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All Journal Yustisia Mulawarman Law Review
Setiyo Utomo
Faculty of Law, Universitas Mulawarman
Law, Crime, Criminology & Criminal Justice Social Sciences

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Cash Swipe Spaylater: an Overview of Sharia Economic Law Fidya Fitra Munjir Munjir; Irma Suriyani; Setiyo Utomo
Jurnal Mulawarman Law Review Vol 10 No 1: Mulawarman Law Review - June 2025
Publisher : Faculty of Law, Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/

Abstract

Spaylater cash swipe is the process of disbursing the SPaylater credit limit by manipulating transactions by making engineering orders. This practice of engineering Spaylater transactions can be called an illegal practice because it is contrary to shopee regulations and policies and misuses the true function of SPayLater. Where the credit limit on the Spaylater cannot be disbursed in the form of cash but can only be used to purchase goods or make payments through the installment method according to the terms and conditions stated in the Spaylater settings. In the perspective of Sharia Economic Law, Spaylater's cash swipe services are contrary to Islamic business law and sharia principles, where there are elements of gharar, mudharat, tadlis and injustice. This research uses socio-legal research by analyzing and studying the operation of law in society. This research uses data sources from primary data, secondary data, and tertiary data. The data obtained is done with data collection techniques through observation, interviews and documentation. By using the socio-legal research method, this research is expected to produce complete, valid, and in-depth findings or data to achieve the research objectives.The results showed that the transaction mechanism on cash swipe through Spaylater uses a checkout system, but does not receive real goods but only fictitious orders. Because it is considered contrary to Shopee's policy, the Civil Code, and is not in accordance with the principles of sharia, the legal consequences are that this practice is considered fasid and bathil because there is injustice, there is no good faith in the transaction, and there is no honesty. In addition, service providers and consumers can get consequences to the extent of sanctions that can be carried out by Shopee.
The Digital Age and Human Rights Protection in Indonesia: Legal Framework, Challenges, and Reform Directions Setiyo Utomo
Yustisia Vol 14, No 2: August 2025
Publisher : Faculty of Law, Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/yustisia.v14i2.85404

Abstract

The digital age in Indonesia has changed social, economic, and legal domains, making human rights protection difficult. The rapid adoption of technology has exacerbated privacy and constitutional concerns due to data leaks, cybercrime, and speech restrictions. Digitalisation's impact on human rights protection and Indonesia's legal framework is examined in this study. The analysis uses conceptual, statutory, and doctrinal legal research. It highlights constitutional provisions, national legislation, the Information and Electronic Transactions and Personal Data Protection Law, and relevant comparative observations. Despite progress in sector-specific legislation, Indonesia's legal system remains fractured and unsuitable for comprehensive protection. Inadequate enforcement, legal uncertainty, public ignorance of digital rights, and digital divide increase vulnerabilities. The study emphasises that privacy, freedom of expression, and secure digital transactions are crucial to human rights in the digital age. It proposes unifying sectoral laws, improving law enforcement, and creating a data protection authority with explicit powers and resources. Multi-stakeholder governance, international collaboration, and digital literacy must be integrated into educational and public awareness programs. In Indonesia's digital revolution, these reforms must ensure that technological advancement supports human rights
Co-Authors Fidya Fitra Munjir Munjir Irma Suriyani