Perspektif Hukum Islam tentang Akad Qardh dalam Pembayaran (Paylater) Jual-beli Online Aplikasi Marketplace Shopee

Authors

  • Muflihatul Isnaeni Universitas Islam 45 Bekasi
  • Intan Cahnia Universitas Islam 45 Bekasi
  • Indah Nurazizah Universitas Islam 45 Bekasi
  • Musyaffa Amin Ash Shabah Universitas Islam 45 Bekasi

DOI:

https://doi.org/10.55606/ai.v5i1.401

Keywords:

Islamic Law, Qardh Contract, Shopee Paylater

Abstract

Paylater in e-commerce creates a contemporary business style not directly, so there is no need to bring in real buying and selling actors and without wearing an original signature. The paylater payment method is a method that can be paid in installments, where buyers can get orders before paying, because paylater is a financial tool from Shopee. This research is to describe the perspective of Islamic law regarding qardh contracts in payments paylater for online buying and selling of the Shopee marketplace application and the benefits for its users. This type of research is directed and focused on discussing library materials, both books, web and journals. Using a qualitative approach which is carried out through online research to look for theories and concepts of Islamic law qardh contract, especially in payments (paylater) on the Shopee marketplace application according to the DSN-MUI Fatwa No.19/DSN-MUI/IV/2001 concerning qardh. Analyzed using the Descriptic-Analytic method to describe the thoughts of these scholars. The results of this study, according to DSN-MUI Fatwa No.19/DSN-MUI/IV/2001 regarding qardh, that in its provisions, qardh customers are required to return the principal amount received at the agreed time. So this is legally permissible because there is a clear agreement.

References

Aritonang, Witry Octasary. “Jurnal Al-Iqtishad Tinjauan Fiqh Muamalah Terhadap Pemakaian Sistem Paylater dalam Aplikasi Jual Beli Online Shopee.” Ekonomi Syari’ah 3, no. 02 (2022): 23–24.

DSN-MUI. “Uang Elektronik Syariah.” Fatwa Dewan Syariah Nasional, no. 19 (2017): 1–12.

Fajrussalam, Hisny, Devi Hartiani, Dini Anggraeni, Ine Malida, Nina Merliana, Rifka Laelatul Ropiah, Universitas Pendidikan Indonesia, and Kampus Purwakarta. “Analisis Pembayaran Paylatter Dalam Aplikasi Shopee Menurut Perspektif Islam” 6, no. 2 (2022): 266.

Ginee. “Sejarah Shopee Di Indonesia: Marketplace Sukses Di Tanah Air,” 2021.

IT. “Ingin Tahu Cara Kredit Di Shopee? Ini Cara Mengaktifkan Shopee Pay,” 2022. https://shopee.co.id/inspirasi-shopee/cara-menggunakan-shopeepaylater-di-shopee/.

Khasanah, Rahmatul, and Muannif Ridwan. “Tinjauan Hukum Islam Tentang Transaksi E-Commerce Aplikasi Shopee Dengan Metode Paylater.” Jurnal Indragiri Penelitian Multidisiplin 2, no. 2 (2022): 124. https://doi.org/10.58707/jipm.v2i2.205.

Mustofa, Imam. “Transaksi Elektronik (E-Commerce) Dalam Perspektif Fikih.” Jurnal Hukum Islam (JHI) 10, no. 2 (2012): 157. http:e-journal.stain-pekalongan.ac.id/index.php/jhi.

Oswaldo, Ignacio Geordi. “Besaran Bunga Shopee Paylater, Denda, Dan Cara Menghitungnya.” detikfinance, 2022. https://finance.detik.com/fintech/d-6187390/besaran-bunga-shopee-paylater-beserta-denda-dan-cara-bayarnya.

Prastiwi, Iin Emy, and Tira Nur Fitria. “Konsep Paylater Online Shopping Dalam Pandangan Ekonomi Islam.” Jurnal Ilmiah Ekonomi Islam 7, no. 1 (2021): 3.

Purwanto, Hery, and Siswahadi. “Paradigm of National Income in Islamic Economy.” Syariati : Jurnal Studi Al-Qur’an Dan Hukum Jurnal Studi Al Qur’an Dan Hukum VII (2021): 93. https://doi.org/https://doi.org/10.32699/syariati.v7i1.1851.

Sahroni, Oni. Fikih Muamalah Kontemporer Jilid 3. Edited by M Santosa. 1st ed. Jakarta: Republika Penerbit, 2020.

Tafsirweb.com. “Surat Al-Baqarah Ayat 245.” Accessed May 22, 2023. https://tafsirweb.com/979-surat-al-baqarah-ayat-245.html.

Tafsirweb.com. “Surat An-Nisa Ayat 29.” Accessed May 28, 2023. https://tafsirweb.com/1561-surat-an-nisa-ayat-29.html .

Wafa, Ah Khairul. “Tinjauan Hukum Ekonomi Syariah Terhadap Shopeepay Later.” Jurnal Hukum Ekonomi Syariah 4, no. 1 (2020): 19–20.

Wulandari, Puji Try Rahayu, Muhammad Iqbal Fasa, and A. Kumedi Ja’far. “Kredit Berbasis Paylater Terhadap Konsumen Milenial Dalam Pandangan Hukum Ekonomi Syariah(Studi Pada Marketplace Shopee).” SALAM: Islamic Economics Journal 3, no. 2 (2022): 127–28.

Downloads

Published

2023-06-28

How to Cite

Muflihatul Isnaeni, Intan Cahnia, Indah Nurazizah, & Musyaffa Amin Ash Shabah. (2023). Perspektif Hukum Islam tentang Akad Qardh dalam Pembayaran (Paylater) Jual-beli Online Aplikasi Marketplace Shopee. Al Itmamiy Jurnal Hukum Ekonomi Syariah (Muamalah), 5(1), 76–90. https://doi.org/10.55606/ai.v5i1.401