Article Per Year (5 Year)
p-Index From 2021 - 2026
2.461
P-Index
This Author published in this journals
All Journal MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS El-Barka: Journal of Islamic Economics and Business ACTIVA: Jurnal Ekonomi Syariah Proceedings of Annual Conference for Muslim Scholars Ascarya: Journal of Islamic Science, Culture and Social Studies Niqosiya: Journal of Economics and Business Research Journal of Islamic Philanthropy and Disaster Journal of Economics and Social Sciences Jurnal Perbankan Syariah Indonesia (JPSI) Muslim Heritage Proceedings of Femfest International Conference on Economics, Management, and Business Falahiya Amaluna: Jurnal Pengabdian Masyarakat Tapis : Jurnal Penelitian Ilmiah
Hanik Fitriani, Hanik
Institut Agama Islam Negeri Ponorogo
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Social Sciences Other

Published : 21 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 21 Documents
Search

 1   2   3 
Dampak S-Pay Later Terhadap Konsumen Muslim: Perspektif Keuangan Islami Hanik Fitriani
Niqosiya: Journal of Economics and Business Research Vol. 4 No. 1 (2024): Januari-Juni 2024
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v4i01.3758

Abstract

Using the S-Pay Later digital-based payment system in the Shopee marketplace will likely make things easier for its users. Its use increases every year. This can be seen from the Financial Services Authority (OJK) records. In March 2024, debt to S-Paylater reached IDR 6.13 trillion, an increase of 2.90% from March 2023. As a Muslim consumer, it is essential to consider S-Paylater services based on perspective. Islamic finance is based on Sharia law, which contains elements of the prohibition of usury (interest), gharar (transactions must not contain elements of excessive speculation), which harm one party, may (gambling), and fairness. This research uses a qualitative descriptive method, namely by collecting literature studies, namely taking scientific references from books, journals, and other references as well as previous research that suits the researcher's problems; then, the data obtained will be analyzed to conclude. The results of this research are that the impact of S-Paylater on Muslim consumers is divided into two, namely the positive impact, including ease of accessibility and improvement of lifestyle; the negative impact is the potential for being trapped in debt, the potential for waste, compliance with sharia is still doubtful because there is an element of usury and the existence of financial entanglement.
Co-Authors Firly Indriani Kususiyanah, Anjar Nufih Wahda Maulidya Putri Rahayu