Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal International Journal of Educational Review, Law And Social Sciences (IJERLAS)
Helvinasari Nasution
Universitas Islam Negeri Sumatera Utara
Religion Humanities Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
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

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.
Co-Authors Muhammad Habibi Siregar Nasution, Muhammad Irwan Padli