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All Journal Socius: Social Sciences Research Journal
Phelia, Angela
Unknown Affiliation
Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media

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Students’ Perspectives on the Use of PayLater Services from the Perspective of Islamic Law and Financial Technology (FinTech) Phelia, Angela; Nazira, Chika Raisa Ayu; Salamah, Dwina Fitria; Apriliyani, Khalisha Anggita; Sukmawati, Linda; Ramadan, Muhammad Wildan; Suresman, Edi
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 3, No 10 (2026): May 2026
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20123826

Abstract

The digital technology revolution has driven a massive transformation in the financial system through the emergence of financial technology (fintech), one of which is the paylater service. Currently, the convenience of paylater actually impacts consumer behavior and sparks legal implications in Islamic economics. The purpose of this study is to analyze the views of university students in Bandung on the use of paylater based on Islamic law and fintech perspectives. The research method is descriptive quantitative, with a questionnaire spread to 53 university students in Bandung. The result indicates that students have a good understanding of the paylater mechanism, including its interest rates and late fees. However, from an Islamic law perspective, the majority of respondents consider that conventional paylater services potentially contain elements of usury (riba) and uncertainty (gharar), meaning they are not fully in accordance with sharia principles. There is a dilemma between adhering to sharia principles and the reality of urgent needs and digital lifestyles. Therefore, increasing sharia financial literacy is crucial so students can make wiser financial decisions in the digital era.
Co-Authors Apriliyani, Khalisha Anggita Edi Suresman Nazira, Chika Raisa Ayu Ramadan, Muhammad Wildan Salamah, Dwina Fitria Sukmawati, Linda