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All Journal Agregat: Jurnal Ekonomi dan Bisnis Jurnal Riset Akuntansi Aksioma
Nurwahidah Firdaus
085861747880
Economics, Econometrics & Finance

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Pay Later E-Commerce Development Phenomenon Review From Sharia Economic Point Nurwahidah Firdaus; Eko Suyono; Dewi Susilowati3 Susilowati; Wahyudin Wahyudin
Agregat: Jurnal Ekonomi dan Bisnis Vol. 6 No. 2 (2022)
Publisher : Universitas Muhammadiyah Prof. DR HAMKA.

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Abstract

Pay later is a financial technology (fintech) innovation that has the concept of buying now and paying later. The problem highlighted in Islam is that pay later leads to a consumptive lifestyle to be a spendthrift which is not recommended according to the Shari'a laws. The purpose of this study is to find out and dig deeper into the use of the right contract in e-commerce pay later transactions as well as to find out and dig deeper into Sharia-compliant etiquette in e-commerce pay later transactions.  This paper is a causal relationship study that is using a qualitative approach. Data are collected through an archival study based on the literature.  Based on the analysis this study concludes that online credit buying and selling contracts which are suitable with Islamic laws are Qardh and Murabahah contracts as the right and appropriate contracts to be applied in Pay later transactions. It is because Qardh and Murabahah are in accordance with the fatwa of Majelis Ulama Indonesia where the contracts explain how the delay in payment or debit transactions are carried out.
Pay Later E-Commerce Development Phenomenon Review From Sharia Economic Point Nurwahidah Firdaus; Eko Suyono; Dewi Susilowati3 Susilowati; Wahyudin Wahyudin
Agregat: Jurnal Ekonomi dan Bisnis Vol. 6 No. 2 (2022)
Publisher : Universitas Muhammadiyah Prof. DR HAMKA.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/agregat_vol6/is2pp157-173

Abstract

Pay later is a financial technology (fintech) innovation that has the concept of buying now and paying later. The problem highlighted in Islam is that pay later leads to a consumptive lifestyle to be a spendthrift which is not recommended according to the Shari'a laws. The purpose of this study is to find out and dig deeper into the use of the right contract in e-commerce pay later transactions as well as to find out and dig deeper into Sharia-compliant etiquette in e-commerce pay later transactions.  This paper is a causal relationship study that is using a qualitative approach. Data are collected through an archival study based on the literature.  Based on the analysis this study concludes that online credit buying and selling contracts which are suitable with Islamic laws are Qardh and Murabahah contracts as the right and appropriate contracts to be applied in Pay later transactions. It is because Qardh and Murabahah are in accordance with the fatwa of Majelis Ulama Indonesia where the contracts explain how the delay in payment or debit transactions are carried out.
TRANSFORMASI DIGITAL UMKM: KAJIAN LITERATUR KESIAPAN ADOPSI CLOUD ACCOUNTING DI ERA DIGITALISASI (A Systematic Literature Review) Firdaus, Nurwahidah; Septiandi, Indra Dwi Cahya; Anggraeni, Naufa Julia; Purnamasari, Wulan
Jurnal Riset Akuntansi Vol 24 No 2 (2025): Jurnal Riset Akuntansi Aksioma, Desember 2025
Publisher : Jurusan Akuntansi Fakultas Ekonomi Dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/aksioma.v24i2.560

Abstract

Digital transformation has become an urgent necessity for Micro, Small and Medium Enterprises (MSMEs) to remain competitive in the modern era. However, the adoption of cloud-based accounting technology still faces various challenges. The objective of this research is to identify key factors influencing cloud accounting adoption among MSMEs. The methodology employed is a systematic literature review using to analyze technology, organization, environment and individual factors affecting adoption. The research findings indicate that technology factors such as ease of use and data security, organizational factors including management support and resources and environmental factors like competition and regulation significantly influence cloud accounting adoption decisions. This research contributes guidance for academics and practitioners in understanding MSME digital transformation dynamics and assists governments in formulating more effective policies to support technology adoption
Co-Authors Anggraeni, Naufa Julia Eko Suyono Laksono Trisnantoro Septiandi, Indra Dwi Cahya Susilowati, Dewi WULAN PURNAMASARI, WULAN