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All Journal ADDIN FKIP e-PROCEEDING Jurnal Pendidikan Islam Indonesian Jurnal Penelitian Pendidikan IPA (JPPIPA) Communications in Science and Technology Pendas : Jurnah Ilmiah Pendidikan Dasar Jurnal Ilmu Hukum The Juris Jurnal Ilmiah Edunomika (JIE) ADDIN Muẚṣarah: Jurnal Kajian Islam Kontemporer Jurnal Literasi Pendidikan Fisika (JLPF) Jurnal Pembelajaran Fisika Jurnal Akuntansi AKUNESA Fikrah: Jurnal Ilmu Aqidah dan Studi Keagamaan ISTIQRA: JURNAL HASIL PENELITIAN
Nur Ahmad
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Journal : Jurnal Ilmiah Edunomika (JIE)

 1 
PAYLATER TRANSACTIONS IN INDONESIAN E-COMMERCE: SHARIA BUSINESS PERSPECTIVE Wahyudi, Tri Nur; Muhammad Sholahuddin; Henri Dwi Wahyudi; Muhammad Amir Anshori; Nur Ahmad; Sri Padmantyo; Imronudin
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 1 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i1.16490

Abstract

Engaging in financial transactions (muamalah) must adhere to sharia principles to ensure ethical and just practices, particularly in modern innovations such as PayLater systems. This study aims to analyze the alignment of PayLater transactions on Indonesian e-commerce platforms with sharia business principles. The research adopts a qualitative design with literature study approach. Data were collected through documentation methods, including journals, articles, and websites. The analysis was conducted using the Miles and Huberman model, involving three stages: data reduction, data display, and conclusion drawing. The findings indicate that PayLater transactions in Indonesian e-commerce platforms are largely inconsistent with sharia business principles. These inconsistencies include the presence of riba (usury) in the form of interest-based charges, gharar (uncertainty) in unclear contractual terms, violations of ba’i (trade ethics), and a lack of fairness in penalty structures. The study highlights the need for reforming PayLater systems to ensure compliance with Islamic principles and foster ethical financial practices.
Co-Authors Aldes Lesbani Anjar Putro Utomo Arista Eka Kumalasari Aulia Rosa Nasution Clarissa Jeanny Defi Shofiyani Endah Suliasti Ningsih Erlia Narulita Farandika Nanda Pratama Fayza Dwi Ega Leonida Febrianti Dwi Anggita Hanifah, Yulizah Henri Dwi Wahyudi Imronudin M. Sholahuddin Mardianto Mochamad Setiawan Muhammad Amir Anshori Nanda Tiara Putri Niken Kartika Candra Pramudya Dwi Aristya Putra Risfidian Mohadi Saleh Ridwan Siti Latifatun Nisak Sri Padmantyo Sri Wahyuni Suheryanto Supeno Supeno Supeno Tri Nur Wahyudi