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All Journal Arus Jurnal Psikologi dan Pendidikan Jejak digital: Jurnal Ilmiah Multidisiplin
Natasya Kamila
Universitas Islam Negeri Sultan Maulana Hasanuddin Banten
Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Pengaruh Pinjaman Online terhadap Kondisi Ekonomi Mahasiswa Yunita Ria Anjani; Natasya Kamila; M. Fauzan Nawawi Ali
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 4 (2026): JUNI-JULI
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/tr0pyq02

Abstract

The rapid development of financial technology (fintech) has increased the accessibility of online lending services among various groups, including university students. The ease of access, fast disbursement process, and minimal requirements have made online loans an alternative source of funding for students facing financial difficulties. This study aims to analyze the influence of online loans on students’ economic conditions, identify the factors affecting their usage, examine the resulting impacts, and propose possible solutions to minimize associated risks. This research employs a descriptive qualitative approach using a literature review method by examining various relevant scientific articles, journals, and academic references. The findings indicate that the use of online loans among students is primarily influenced by economic needs, low levels of financial literacy, consumptive lifestyles, and the convenience of digital financial services. Although online loans provide benefits such as quick access to funds for urgent needs, their negative impacts tend to be more dominant, including increased debt burdens, poor financial management, consumptive behavior, and psychological stress. Therefore, efforts to address these issues should focus on improving financial literacy, strengthening awareness of the risks associated with online lending, promoting responsible financial behavior, providing safer financing alternatives, and enhancing the role of higher education institutions in offering financial guidance and support. Through these measures, students are expected to make more informed financial decisions and reduce their dependence on online lending services.
Analisis Hukum Islam terhadap Praktik Denda Keterlambatan pada Shopeepaylater Berdasarkan Fatwa DSN-MUI No. 17/DSN-MUI/IX/2000 Muhammad Fauzan Nawawi Ali; Natasya Kamila; Syaeful Bahri
Arus Jurnal Psikologi dan Pendidikan Vol 5 No 2: Juni (2026)
Publisher : Arden Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57250/ajpp.v5i2.2743

Abstract

Perkembangan layanan Buy Now Pay Later (BNPL) dalam ekosistem perdagangan digital telah memperluas akses masyarakat terhadap fasilitas pembiayaan. Di sisi lain, penerapan denda keterlambatan pada layanan tersebut menimbulkan persoalan mengenai kesesuaiannya dengan prinsip-prinsip syariah. Penelitian ini bertujuan untuk menganalisis praktik denda keterlambatan pada layanan ShopeePayLater serta menilai kesesuaiannya dengan Fatwa DSN-MUI No. 17/DSN-MUI/IX/2000 tentang Sanksi atas Nasabah Mampu yang Menunda Pembayaran. Penelitian ini menggunakan metode penelitian hukum normatif dengan pendekatan peraturan perundang-undangan (statute approach) dan pendekatan konseptual (conceptual approach). Data penelitian diperoleh melalui studi kepustakaan terhadap fatwa, regulasi, literatur ilmiah, dan ketentuan resmi ShopeePayLater. Hasil penelitian menunjukkan bahwa denda keterlambatan pada ShopeePayLater memiliki karakteristik yang lebih dekat dengan konsep ta'zir dan gharamah dibandingkan dengan ta'widh. Dari sisi tujuan, penerapan denda menunjukkan keselarasan dengan fungsi sanksi sebagai instrumen pengendalian dan pendisiplinan. Namun demikian, masih ditemukan persoalan pada aspek penentuan subjek yang dikenai sanksi serta transparansi pengelolaan dana yang berasal dari denda keterlambatan. Penelitian ini menyimpulkan bahwa praktik denda keterlambatan pada ShopeePayLater menunjukkan kesesuaian yang bersifat parsial terhadap Fatwa DSN-MUI No. 17/DSN-MUI/IX/2000.
Co-Authors M. Fauzan Nawawi Ali Muhammad Fauzan Nawawi Ali Syaeful Bahri Yunita Ria Anjani