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All Journal International Journal of Educational Review, Law And Social Sciences (IJERLAS) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal)
Helvinasari Nasution
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Social Sciences Other

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Analysis of The Impact of Riba Nasi'ah Practices on Digital Consumer Protection and Sharia Business Ethics of Halal Cake Umkm in E-Commerce Helvinasari Nasution; Muhammad Irwan Padli Nasution; Muhammad Habibi Siregar
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 6 No. 3 (2026)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v6i3.5554

Abstract

The development of the digital culinary ecosystem through e-food delivery applications encourages the use of paylater features that offer payment convenience, but potentially contain elements of riba nasi'ah in the form of additional fees for delayed payments. This practice raises issues from the perspective of digital consumer protection and Islamic business ethics. This study analyzes the impact of riba nasi'ah practices on digital consumer protection and Islamic business ethics in halal cake MSMEs in the e-commerce ecosystem. This study addresses the issue of hidden interest mechanisms embedded in digital financial features such as buy now pay later (BNPL) and fintech-based loans, which are contrary to Islamic principles. The research questions focus on how riba nasi'ah affects Islamic business ethics and digital consumer protection, and what Sharia-based solutions can be implemented. This study uses a qualitative normative-conceptual approach based on a literature review of reputable journals, books, and regulatory sources. The findings indicate that riba nasi'ah practices lead to violations of justice (adl), honesty (sidq), and virtue (ihsan), increase production costs, reduce product quality, and weaken consumer trust. Furthermore, these practices create risks of gharar and tadlis in digital transactions. This study contributes by offering an integrative framework that links riba nasi’ah, Islamic business ethics, and consumer protection, and proposes sharia-compliant solutions such as murabahah and wakalah contracts.
THE RESILIENCE OF SHARIA-COMPLIANT AND CONVENTIONAL MSMES IN FACING DIGITAL DISRUPTION IN MEDAN: AN ANALYSIS OF STRATEGIES AND MAQASID SHARIA Muslim Marpaung; Helvinasari Nasution; Inayatul Widad Nasution; Widya Khaidir
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 6 No. 2 (2026): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.19318781

Abstract

Digital transformation has become inevitable for micro, small, and medium enterprises (MSMEs) in Indonesia. However, MSMEs' preparedness and resilience to digital disruption still vary. According to data from the Ministry of Cooperatives and SMEs, more than 64 million MSMEs contribute 60% of the national Gross Domestic Product (GDP), yet only a small portion are truly digitalized. This study aims to analyze the differences in resilience between Sharia-compliant MSMEs and conventional MSMEs in Medan City in facing digital disruption, by examining aspects of adaptation strategies and the values of Maqasid Sharia. This research method uses a qualitative-descriptive approach through literature analysis, semi-structured interviews, and secondary data from official government reports and scientific publications. The research results show that conventional MSMEs are quicker to adopt digital technology, while Sharia MSMEs have more stable social resilience and customer loyalty due to their ethical and trust-based foundation based on Islamic principles. The implications of this research demonstrate the importance of integrating Maqasid Sharia values into MSME digitalization strategies to achieve sustainable economic resilience.
Co-Authors Inayatul Widad Nasution Muhammad Habibi Siregar Nasution, Muhammad Irwan Padli Widya Khaidir