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All Journal Syariah: Jurnal Hukum dan Pemikiran Bulletin of Counseling and Psychotherapy
Sri Sudono Saliro
Universitas Tanjungpura, Indonesia
Humanities Health Professions Law, Crime, Criminology & Criminal Justice Public Health Other

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Psychological Dimensions of the Family in the Uleman Ago Nikahken Anak Tradition of the Lampung Pepadun: Perspectives of Marcel Mauss's Reciprocity and 'Urf Annikmah Farida; Bustanul Arifin; Sri Sudono Saliro; Saipudin Saipudin; Etika Rini; Khairul Aripin
Bulletin of Counseling and Psychotherapy Vol. 7 No. 3 (2025): Bulletin of Counseling and Psychotherapy
Publisher : Kuras Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51214/002025071787000

Abstract

The traditional practice of Uleman in the Lampung Pepadun community is often only seen as an Uleman ritual, even though there is a reciprocity mechanism that has a profound impact on the psychological and economic dimensions of the family. This study aims to analyze the practice of Uleman ago nikahken children as a construction of moral obligations using the perspective of Reciprocity Marcel Mauss and the concept of 'Urf Islamic law. Through the qualitative method of field studies in Central Lampung, it was found that the Uleman is an instrument of social legitimacy with four symbolic levels: nagau, cloth, cigarettes, and cleaning tools. Psychologically, the high intensity of the Uleman creates chronic strain for the family in order to maintain dignity (Pi'il Pesenggiri). The inability to reciprocate giving is perceived as a social failure, thus triggering a coping strategy through collective support. Although financially burdensome, this tradition is categorized as 'Urf Saheeh because its essence strengthens solidarity (Sakai Sambayan) and friendship. This study concludes that the psychological dimension in Ulemans is born from the negotiation between moral responsibility, economic capacity, and efforts to maintain family honor under community supervision. The sustainability of this tradition depends on the balance between the preservation of honorary values and the principle of welfare so as not to become a structural burden on Muslim families.
Reconstructing Paylater Schemes in Islamic Fintech: A Normative Analysis of Deferred Payment Contracts Under Sharia Economic Law Anisah Norlaila Hayati; Wahyu Fitrianoor; Sri Sudono Saliro; Nor Fadillah; Siti Rif’atussa’adah Sitorus Pane
Syariah: Jurnal Hukum dan Pemikiran Vol 25 No 1 (2025)
Publisher : Universitas Islam Negeri Antasari Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/sjhp.v25i1.18517

Abstract

The proliferation of financial technology (fintech) innovations has reshaped consumer behavior through digital payment models such as paylater, enabling deferred payments in online transactions. Despite its practical benefits, the paylater mechanism raises legal and ethical concerns in Islamic economic law due to possible elements of riba (usury), gharar (uncertainty), and contractual ambiguity. This study investigates the normative validity of paylater schemes within the framework of Sharia economic law by reconstructing them through Sharia-compliant contractual models. Using a normative-juridical method supported by doctrinal analysis, this research examines primary sources such as the Compilation of Sharia Economic Law (KHES), relevant fatwas of the National Sharia Council–Indonesian Ulema Council (DSN-MUI), and international Sharia standards (AAOIFI and IFSB), supplemented by secondary literature on Islamic finance and e-commerce. The findings indicate that paylater is permissible under Sharia when structured as bai‘ bi tsaman ajil (deferred payment sale) or murabahah (cost-plus sale), provided that price, ownership, and risk are clearly defined and that penalties do not involve interest. Conversely, a paylater model based on qardh (loan) with fixed returns constitutes riba and violates Islamic principles. The study further offers practical recommendations for regulators and fintech operators to design transparent, fair, and Sharia-compliant digital financing systems aligned with maqāṣid al-sharī‘ah to protecting religion, life, intellect, wealth, and lineage. This reconstruction contributes to the global discourse on Islamic fintech by proposing a viable Islamic “Buy Now Pay Later” (BNPL) model that balances consumer protection, market competitiveness, and ethical finance.
Co-Authors Anisah Norlaila Hayati Annikmah Farida Bustanul Arifin Etika Rini Khairul Aripin Nor Fadillah Saipudin Saipudin Siti Rif’atussa’adah Sitorus Pane Wahyu Fitrianoor