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All Journal Al-'Aqdu: Journal of Islamic Economics Law Jurnal Ekonomi Dan Bisnis
Erwan Setyanoor
Institut Agama Islam Darul Ulum Kandangan, Kalimantan Selatan
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Buy Now Pay Later (BNPL) dan Pengelolaan Keuangan Individu: Perspektif Keuangan Islam Ahmad Ramdani Ihsan; Erwan Setyanoor; Muhammad Raihan Fadillah; Muhammad Zhidan Al Fariza; Muhammad Adi; Reza Syaputra
Surplus: Jurnal Ekonomi dan Bisnis Vol. 5 No. 1 (2026): Juli-Desember 2026
Publisher : Yayasan Pendidikan Tanggui Baimbaian

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71456/sur.v5i1.2241

Abstract

Perkembangan teknologi keuangan digital telah melahirkan layanan Buy Now Pay Later (BNPL) atau PayLater yang semakin masif digunakan oleh masyarakat Indonesia, khususnya generasi muda. Kemudahan akses dan proses yang cepat menjadikan PayLater sebagai pilihan populer dalam bertransaksi, namun di sisi lain berpotensi mendorong perilaku konsumtif yang bertentangan dengan prinsip-prinsip manajemen keuangan Islam. Artikel ini bertujuan untuk menganalisis fenomena penggunaan layanan BNPL dan implikasinya terhadap pengelolaan keuangan individu dalam perspektif Islam. Metode yang digunakan adalah kajian pustaka (library research) dengan pendekatan deskriptif-analitis berbasis sumber-sumber primer dan sekunder dari jurnal nasional dan internasional tahun 2021–2026. Hasil kajian menunjukkan bahwa layanan BNPL, apabila tidak diimbangi literasi keuangan yang memadai, cenderung mendorong perilaku israf (berlebih-lebihan) dan tabdzir (pemborosan), serta menimbulkan risiko jeratan utang konsumtif. Tinjauan maqashid syariah, khususnya aspek hifzh al-mal (penjagaan harta), menegaskan bahwa penggunaan PayLater harus dilandasi perencanaan keuangan yang matang, pengendalian diri, dan tanggung jawab finansial. Artikel ini menyimpulkan bahwa Islam tidak melarang utang secara mutlak, namun sangat menekankan etika dan kehati-hatian dalam berhutang, jauh dari unsur riba, gharar, dan pemborosan.
Green Economy Construction in the Medina Charter: Integration of Maqashid Sharia and Communicative Action Theory Erwan Setyanoor; Kurniati Yunus; Noor Hasanah; Mir’atun Hasanah; Mowafg Masuwd
Al-'Aqdu: Journal of Islamic Economics Law Vol 6, No 2 (2026): Issue in Press
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/ajiel.v6i2.4547

Abstract

This study analyzes the Medina Charter as a historical-juridical foundation for reconceptualizing Islamic economic law and contemporary muamalah based on sustainability principles. Utilizing a qualitative approach with a library research method, this research integrates contemporary Maqasid al-Shari'ah theory (specifically the pillar of hifz al-bi'ah), Green Economy theory, and Habermas's Theory of Communicative Action. The findings demonstrate that the designation of the Yathrib Valley as a haram (sacred) zone (Article 39) served not only as a political-security consensus but also as an early form of ecological conservation regulation that restricted the exploitation of natural resources. Furthermore, the charter's anti-mafsadah principles and distributive justice lay the ethical foundation for organizing an inclusive Islamic financial market. From a legal-practical perspective, the charter's core values of ta'awun (mutual assistance) and joint financial cost-sharing provide historical legitimacy for structuring contemporary muamalah contracts. This is reflected in the framework of Green Sukuk based on DSN-MUI fatwas, the governance of productive Green Waqf regulated by the Financial Services Authority (OJK), and the transformation of the ma'aqil tradition into a risk-protection scheme based on the tabarru' contract in Takaful. Consequently, the Medina Charter proves to provide a normative blueprint connecting muamalah contract compliance with modern green financial governance.
Co-Authors Ahmad Ramdani Ihsan Kurniati Yunus Mir’atun Hasanah Mowafg Masuwd Muhammad Adi Muhammad Raihan Fadillah Muhammad Zhidan Al Fariza Noor Hasanah Reza Syaputra