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All Journal Ahkam: Jurnal Ilmu Syariah Assets : Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Diskursus Islam AL-Fikr Laa Maisyir Jurnal Ekonomi Islam Jurnal Minds: Manajemen Ide dan Inspirasi Equilibrium JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Jurnal Ilmiah Ekonomi Islam Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Al-Amwal : Journal of Islamic Economic Law SENTRALISASI SEIKO : Journal of Management & Business Iqtishoduna: Jurnal Ekonomi Islam Nizham Journal of Islamic Studies NUKHBATUL 'ULUM : Jurnal Bidang Kajian Islam EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Al-Kharaj: Journal of Islamic Economic and Business Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Azhar Islamic Law Review Al-Azhar Journal of Islamic Economics BJRM (Bongaya Journal of Research in Management) Adz Dzahab : Jurnal Ekonomi dan Bisnis Islam Asy-Syarikah : Jurnal Lembaga Keuangan, Ekonomi dan Bisnis Islam Asy Syar'iyyah: Jurnal Ilmu Syari'ah dan Perbankan Islam Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Jurnal Studi Ekonomi dan Bisnis Islam (SEBI) Jurnal Ar-Ribh Jurnal Penkomi : Kajian Pendidikan dan Ekonomi Al-Ubudiyah: Jurnal Pendidikan dan Studi Islam Proceedings of The International Conference on Social and Islamic Studies Shautuna: Jurnal Ilmiah Mahasiswa Perbandingan Mazhab Jurnal Iqtisaduna International Journal of Management Science and Information Technology (IJMSIT) Islamic Accounting and Finance Review International Journal of Multidisciplinary Research and Literature (IJOMRAL) Jurnal Ekonomi Syariah dan Bisnis Islamic Economic and Business Journal Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Maqrizi : Journal of Economics and Islamic Economics Jurnal Riset Hukum, Ekonomi Islam, ekonomi, Manajemen dan Akuntansi AL-QIBLAH: Jurnal Studi Islam dan Bahasa Arab Business and Investment Review Socius: Social Sciences Research Journal Southeast Asia Journal of Graduate of Islamic Business and Economics El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Falah: Jurnal Hukum Ekonomi Syariah At Tawazun Jurnal ekonomi Islam International Journal of Islamic Studies Jurnal Intelek Dan Cendikiawan Nusantara Nomico Jurnal Intelek Insan Cendikia TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah Journal of Ekonomics, Finance, and Management Studies Atestasi : Jurnal Ilmiah Akuntansi Study of Scientific and Behavioral Management (SSBM) Tapis : Jurnal Penelitian Ilmiah Balance: Jurnal Ekonomi Nomico Jurnal Ekonomi, Bisnis, Manajemen dan Akuntansi (JEBIMAN)
Muslimin Kara
Univeristas Islam Negeri Alauddin Makassar
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Journal : Jurnal Ar-Ribh

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This study examines the usage behavior of Shopee PayLater from the perspective of Maqasid Shariah in Sinjai Regency Rahmawati; Muslimin Kara; Sumarlin; Jamaluddin Majid; Muhamatsakree Manyunu
Jurnal Ar-Ribh Vol. 9 No. 1 (2026): April 2026
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/emdrcn77

Abstract

This study investigates the usage behavior of Shopee PayLater within the framework of Maqasid Shariah in Sinjai Regency, Indonesia. The research aims to explore user behavior patterns, identify the underlying motivations for adopting this digital credit service, and evaluate its alignment with Islamic ethical principles. A qualitative approach within a critical paradigm was employed, involving purposively selected participants, including lecturers, religious leaders, students, and community members who actively use Shopee PayLater. Data were collected through in-depth interviews, observation, and document analysis, and analyzed using the Miles and Huberman interactive model, consisting of data reduction, data display, and conclusion drawing. The findings reveal that Shopee PayLater usage is predominantly influenced by convenience, urgent financial needs, and social factors, leading to two primary patterns: consumptive and productive use. While the service provides benefits such as facilitating access to essential goods and supporting small-scale economic activities, it also encourages impulsive consumption and poses risks of financial distress. From the Maqasid Shariah perspective, the practice partially aligns with the objectives of preserving life and wealth (hifz al-nafs and hifz al-mal), but may contradict the protection of religion and intellect (hifz al-din and hifz al-‘aql) due to elements of riba, excessive consumption, and weak financial discipline. This study contributes to the development of Islamic fintech discourse by integrating behavioral analysis with Maqasid Shariah and offers practical insights for policymakers, fintech providers, and Muslim consumers to promote ethically responsible digital financial practices.
Maqasid al-Shariah-Based Corporate Governance, Service Excellence, and Customer Satisfaction in Islamic Hospitality Sector Titin Hardianti; Muslimin Kara; Nasrullah Bin Sapa; Jamaluddin Majid; Umar Sulaiman
Jurnal Ar-Ribh Vol. 9 No. 1 (2026): April 2026
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/8ftnp713

Abstract

This study investigates the effect of Maqāṣid al-Sharīʿah–based Good Corporate Governance (GCG) on customer satisfaction, with service excellence as a mediating variable in the Islamic hospitality sector. The research adopts an explanatory quantitative design and is conducted at Sultan Alauddin Hotel & Convention Makassar. Data were collected from 212 customers using structured questionnaires and analyzed employing Partial Least Squares–Structural Equation Modeling (PLS-SEM). GCG is operationalized through three core dimensions: transparency, accountability, and responsibility, grounded in Maqāṣid al-Sharīʿah principles. The findings reveal that transparency does not have a significant direct effect on customer satisfaction but significantly influences it indirectly through service excellence. Accountability demonstrates a strong positive and significant effect on customer satisfaction, both directly and indirectly, indicating its dominant role in shaping customer perceptions. Conversely, responsibility does not significantly affect either service excellence or customer satisfaction. Furthermore, service excellence has a significant positive effect on customer satisfaction and serves as a crucial mediating variable linking governance practices to customer outcomes. These results suggest that the effectiveness of Maqāṣid al-Sharīʿah based governance depends on its practical implementation in service delivery. Integrating ethical governance with high-quality service enhances customer satisfaction and organizational sustainability. This study contributes to the literature by bridging Islamic governance principles with service management and provides practical insights for improving competitiveness in the Islamic hospitality industry.
Co-Authors A. M. Nur Atma Amir A. Syatir Sofyan Abdul Wahab Abdul Wahab Abdul Wahid Haddade Abdullah AF Abdullah, Muhammad Wahyuddin Abdut Tawwab, Muhammad Afifah, Andi Nur Ahmad Busyairi Ahmad Busyairi, Ahmad Ahmad Efendi Ahmad Nouruzzaman Ahmad Ramadlan Ahmad Zikri Dwiatmaja Ainan Radiyah Rustan Akramunnas Akramunnas, Akramunnas Ali Bawafie, Aniq Akhmad Amalia Nur Rahman Amin, Asbi Amiruddin Amiruddin Amiruddin K Amiruddin K. Ampauleng An Ras Try Astuti Andi Sulfati Andi Suwandi Putra Suaib Aniq Akkhmad Ali Bawafie AR, Muh. Sabri Arifin, Asriadi Asbi Amin Askar Fatahuddin Askar Patahuddin Astuti, An Ras Try Aswar Aswar Awaluddin Awaluddin Ayu Andi Sri Rahayu Ayu Ruqayyah Yunus Ayu, Vera Azwar Anwar Azwar Azwar Budi Iswanto Bukhari Bukhari Bukhari Cahuur Usman Danto, Andi Muhammad Jaka Dedi Mardianto Desi Yuniarti Desy Rahmawati Anwar Elvi Syahria Maznawati Fajar Rahmani Ashari Fatahuddin, Askar Fatimah, Emi Sri Rahayu Fauziah Fauziah Furqan, Achmad Gagaring Pagalung Gunawan Gunawan Hamka Hamka, Hamka Hamzah Khaeriyah Hamzah, M. Nasir Haslinda Haslinda Hasriliandi Halim Hassan Alaaraj, Hassan Hasyim M Hasyim M Hurriah Ali Hasan Ilham Ilham Inatul Hinaya Indradewa, Rhian Irawati Irawati Ismayanti Ismayanti Iswanto, Budi Jafar, Ahmad Jamaluddin Jamaluddin Majid K, Amiruddin Kadir, Syahruddin Kamaruddin Kartika KARTINI Kasim, Sjaiful Katman, Muh. Nasri Khuratul Ayu Koemar, Fadillah Zaskia Kurniawan, Muhammad Zuhud Lince Bulutoding M, Misbahuddin M. Nasir Hamzah M. Nasir Hamzah M. Wahyuddin Abdullah Mahendra, Yusril Mansyur, Alif Ilman Moh Sabri AR Muammar Bakry Muh Munafri S Muh Shadiqul Fajri AF Muh. Ridwan Markarma Muhamatsakree Manyunu Muhammad Alwi Muhammad Fachrurrazy Muhammad Fadel Muhammad Fajar Ramadan Muhammad Mellong Noni Muhammad Nasri Katman Muhammad Sabri Mukhtar Lutfi Mumtihani, Andi Fakhriyah Murtiadi Awaluddin Muslihati Muslimah Muslimah Muslimah Muslimah Mustofa Umar Nabir, Abd. Muhaemin Nahda Dahlan Nahlah, Nahlah Nashrullah Hidir Nasrullah Bin Sapa Noni, Muhammad Mellong Nur Taufiq Nurfiah Nurfiah Nurfyana Narmia Sari Nurjannah Nurjannah Nurwahida Nurwahida, Nurwahida Oskar Hutagaluh Pratiwi, Dhita Purnama Purnama Purnama Purnama Putra Suaib, Andi Suwandi Raehana, Syarifa Rahayu, Andi Sri Rahman Ambo Mase Rahman Ambo Masse Rahmawati Rahmawati Muin Rahmawati mu’in Rahmi Qurania Ramadani Ramadan, Muhammad Fajar Ramdani Nur Reo Zaputra ridwan, hardiyanti Ridwan, Mukminati Rifqah Alfiyyah Rika Dwi Ayu Parmitasari Risaldi Risna Risna Rizka Damayanti Rusanti, Ega Rusdi Raprayogha Ruslang Ruslang Ruslang Ruslang Rusydi, Bahrul Ulum S, Arifin Sabbar Dahham Sabbar Sahdiah Desriana Karim Salmah Abdullah Salmah Said Samsidar Sandi, Ahmad Sapinah Sappeami, Sappeami Shahid Bashier Sirajuddin Sirajuddin Sirajuddin Sirajuddin Sirajuddin Sirajuddin SITI FATIMAH Sofyan, Idha Fadhilah Sohrah Sri Hardianti Marsawal Sudirman Sudirman Suharli Sultan, Zulfadli Sumarlin Sumar’in Syaharuddin Syaharuddin Syaharuddin Syamsiah, Syamsiah Syamsul Bahri Syamsul Maarif Syamsul Rijal Syamsul Rijal Syarifuddin Syarifuddin Titin Hardianti Trisno Wardy Putra Umar Sulaiman Unzhila Nur Ilmiatun P Usman, Cahuur Wahyuddin Abdullah Wahyuddin Abdullah Wahyuddin Abdullah, Muhammad Waode Mabrukah Azzahrah Wulan Purnamasari Wulan Purnamasari WULAN PURNAMASARI, WULAN Yuliansyah Zikri Dwiatmaja, Ahmad Zulfahmi Alwi