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Muhammad Iqbal
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Journal : Al-Mudharabah

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LEGAL ANALYSIS OF DEFAULT IN SALE AND PURCHASE TRANSACTIONS USING THE CASH ON DELIVERY PAYMENT METHOD ON THE SHOPEE MARKETPLACE Mufijar Ajam; Muhammad Iqbal
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 7 No. 1 (2026): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

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Abstract

The development of the e-commerce banking system in Indonesia has led to the rise of the Cash on Delivery (COD) payment method, which is a popular choice among consumers. However, the practice of COD also poses a risk of default: consumers refusing to pay or accept goods without a valid reason, which is detrimental to sellers and couriers. This study aims to analyse the problem of default in COD transactions on the Shopee marketplace from the perspectives of positive law, muamalah fiqh, and the Consumer Protection Law. The research method employs a normative-empirical approach, including a review of legal documents and the literature, as well as interviews with Shopee consumers and couriers. The results of the study show that COD transactions have the characteristics of a cash sale-and-purchase agreement (bai’mutlaq) but contain elements of uncertainty (gharar) for the seller. Formal law enforcement is limited to small transactions, so platform law becomes a practical mechanism for resolving disputes internally. This study emphasises the need to strengthen regulations, transparent internal marketplace procedures, and consumer legal education to ensure that COD transactions are fair, safe, and in accordance with Sharia principles.
Co-Authors Abda Abda Abdul Hadi Al-Ghani Abdurahman . Ade Irma Suryani Adilla Sandia Fitri Afrinald Rizhan Agung Nugroho Ahmad Gunawan Dalimunthe Ahmad Wahyudi Zein Alfaza Rizki Alfi Syahri Ali Franata Alirahman Mukhtiar Tanjung Amir Andika Saputra Anggun Salsabila Samosir Aprinelita Arfan Abrar Arisandi, Muhammad Diki Wahyu ARofif D. Adly Asni Asni Basalamah, Muhammad Syafi'i A. Batubara, M. Syavriaji Aqila Benny Ansari carsiwan, carsiwan Cut Najla Seirin Darlina Tanjung Dela Sisilia Deni Hartanto Diah Komala Sari Diah Kurniawati Dila Fairuz Salsabila Dimas Pramudya Dina Hermina Dynia Fitri Edi Ismanto Eka Septiana Elviani Faizal Fatimah Az-Zahra Fauza Addinunnisa Feby Inge Dwiyanti Firyal Nafilah Az zahra Fitria Ghina Ulfah Saefurrohman Gusti Ayu Widayanti Hermansyah Alam Hery Sasongko Iba Elisa Ihsanti Dwi Rahayu Ikhwani Imsar Imsar Ina Aprillia ISKANDAR Ita Iryanti Jupriah Sarifah Kezia Lase Latifatuz Zahra Lutfiyah Rizqulloh Luthfi Parinduri M Fikri al Baihaqi Siregar M. Shofwan Donny Cahyono, S.ST., M.T. M.Hafid Mahmudi Mahfidzul Amal Marwan Lubis Minanda Ndrey Faza Brata Mufidah Zahro Mufijar Ajam Muhammad Abror Firdaus Muhammad Aziz Muhammad Fajar Muhammad Farhan Muhammad Luthfi Ma'sum Nasution, Indra Niken Silmi Surjandari Nizar Herdiansyah NUR ARIFAH Nur Fitriani Ginting Nurlia Farida nusantara, yudhidwi Pradana, Firmansyah Kholiq Puji Aulia Ananta Putri Junita Neno Lestari Qonita, Qonita Rafiustha Adi Kusuma Rahita Rahmadya Waluyo Ramadhan Triyandi Randi Syafutra Rismahayani, Rismahayani Rismayandi Ansari Safari Daud Samsul Abdul Rahman Sidik Hasibuan Septian Dwi Cahya Shilvirichiyanti Shofiyyah Shofwatun Niswah Sibarani, Nurhasanah Silvia Fauziah Nasution Steven Natanael Tumanggor Suriagiri Tasliati Djafar Ulan Sari Warman, Ressalia Shoumadani Yusep Purwana Muslih Zulham Siregar