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All Journal Ulul Albab: Jurnal Studi Islam Hukum Islam JURNAL MAHKAMAH Jurnal el-Qanuniy: Jurnal Ilmu-Ilmu Kesyariahan dan Pranata Sosial Tarikhuna: Journal of History and History Education Islam Realitas: Journal of Islamic and Social Studies Al Hurriyah : Jurnal Hukum Islam Jurnal Pema Tarbiyah
Firdaus, Beni
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Religion Arts Humanities Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Islam Realitas: Journal of Islamic and Social Studies

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Buy Now Pay Later Transactions (BNPL) in Indonesia: Implications for Maqāṣid Sharia in the Digital Era Firdaus, Beni; Fauzan, Fauzan; Yenti, Endri; Yufriadi, Ferdi; Rahmiati, Rahmiati; A Afifi, Abdullah
Islam Realitas: Journal of Islamic and Social Studies Vol. 10 No. 2 (2024): December 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/islam_realitas.v10i2.8690

Abstract

Buy Now Pay Later (BNPL) services have gained significant popularity among Indonesian customers, particularly within the younger demographic that values convenience and flexibility in online shopping. This research uses a qualitative approach to examine the applications of Islamic law on the utilization of BNPL inside digital transactions in Indonesia, while also assessing its effects on consumer behavior and economic stability. The findings indicate that although Buy Now Pay Later (BNPL) provides ease and accessibility for consumers, substantial obstacles exist in aligning this practice with maqāṣid sharia principles, especially with usury and consumer protection issues. Factors such as financial literacy, governmental laws, and product transparency significantly impact the adoption of BNPL, shaping customer comprehension and utilization of these services. Islamic financial institutions bear a significant obligation to deliver several itemsthat not only meet the demands of consumers but also sharia compliance. As such, this research contributes to strengthening the integration between digital technology and the financial system, as well as supporting sustainable economic growth that is compliant with Shariah principles.
Co-Authors A Afifi, Abdullah Anita Indria Arsal, Arsal Aryanti, Yosi Busyro, Busyro Endriyenti, Endriyenti Fauzan . Febriyeni, Febriyeni Helfi Helfi, Helfi Hendri Hendri M. Yemmardotillah Maizul Imran Ngardi, Valensius Rahmi, Elvi Rahmi, Yulia Rahmiati Rahmiati Syahriani, Fadilla Usqho, Mutia Urdatul Yufriadi, Ferdi