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Haerunnisa Haerunnisa, Haerunnisa
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Journal : At-Ta’awun: Jurnal Mu’amalah dan Hukum Islam

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Sistem Paylater dalam Transaksi Digital dan Implikasinya terhadap Hukum Fikih Muamalah Kontemporer Haerunnisa, Haerunnisa; Sugitanata, Arif
At-Ta’awun: Jurnal Mu’amalah dan Hukum Islam Vol 4 No 2 (2025): At-Ta'awun: Jurnal Mu'amalah dan Hukum Islam
Publisher : Program Studi Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59579/8vtqqe35

Abstract

This study aims to analyze the impact of the paylater system on the dynamics of digital transactions in Indonesia and to examine its legal status from the perspective of contemporary Islamic commercial jurisprudence (fiqh al-mu’āmalāt). Employing a qualitative research design grounded in library research, this study draws upon academic literature, official financial institution reports, and relevant Islamic legal sources. The findings reveal that the paylater system has transformed consumer behavior in Indonesia—from prudence-based spending to a consumption pattern driven by instant credit access. While it contributes to financial inclusion, particularly for populations underserved by formal financial institutions, the system also poses significant risks of consumer debt, especially among youth with low financial literacy. From the perspective of fiqh al-mu’āmalāt, paylater schemes are categorized under deferred payment sales contracts (al-bay’u bi thaman ājil), which are permissible provided that contractual conditions are met. However, in digital practice, these schemes often involve elements of gharar (uncertainty) due to the lack of clear information and the potential for riba (usury) stemming from unauthorized interest and penalty mechanisms. Furthermore, the hybrid nature of these contracts—combining elements of loans, sales, and services—introduces additional legal complexities. Therefore, the paylater system must be restructured in accordance with the principles of justice, transparency, and consumer protection, aligning with the objectives of Islamic law (maqāṣid al-sharī’ah). These findings underscore the urgency of implementing sharia-compliant oversight in digital financial services and enhancing consumer literacy as a necessary adaptation of Islamic jurisprudence to the evolving digital economy.
Co-Authors Abal, Hubertus Ageng Abdi Putra Agus Kurniawan B Agustina, Syarifa Ahmad Yani Ahmadi Zamsi Amin, Akriandi Anak Agung Istri Sri Wiadnyani Andi Nurul Hikmah Andi Riska Andi Sompa Andi Tenri Angka Andika Ramadhani Aras, Usri Arifki, Muhammad Andrian Armayanti, Andi Kurnia Arqam, Syaiful Aslidayanti Aso, Ambo Asri, Muh. Rahmat Aziza, Nida Maulana Bakhtiar Bakhtiar Besse Reski Novianti Budimawan Budimawan Burdawani, Amirul Mujaddid Cahya Nabila Civa Cahyani, Regita Cici Andani Dwi Pratiwi Siregar Dwi Wulandari Edi, Baso Bambang Juni Elimas Gombo Erni Kasim Erwan , Erwan Ester Indah Sari Sinaga Fatmawati Firdaus, Ahmad Zainul Fitri Yani Fitriah, Rahmatul Ginting, Rafael Lisinus Hariani, Widika Shepia Hendra Surisman Herlina, Besse Herlisa Ramadan Ibrahim, Ferbian Imam Suyitno Iqbal Burhanuddin, Iqbal Jufry, Ady Jumiati Jumiati Junaidi Aziz Karimullah, Suud Sarim Khatimah, Khusnul Kurniawan, M. Rafli Kurniawati Kurniawati Lage, Tabah Surying Lalu Takdir Jumaidi Lestari, Sri Ayu Linda Arisanty Razak Mandala, Wilad Surya Mausulin, Silman Muchriana Muchran Muh. Reski Muhammad Erik Kurniawan Muhammad Rusdi Muhammad, Adamu Abubakar Mulyadi Musdalifah N, Zohrah Nani Nani Nasution, Annio Indah Lestari Ningsi, Fitri Nurahma, Unin Nurcaya Nurcaya Nurfadillah Mukti Nurfiana, Rika Nurul Mutmainnah Patmawati Patmawati, Patmawati Prihartini, Nandwi Suci Priskilla Br Purba Rahayu, Putri Rahman, Asri Rahmawati Rahmawati Ramli Ramli Risma Risma, Risma Rizki, Septien Widyawati Rona Aulia Marbun Roshada, Amrina Ruslang, Ruslang Rustan, Jukarnang Sahriah Rahim Sau, Tenri Septian, Desak Putu Jessy Septian, I Gede Nano Septiani, Azisah Shabila Husna Sholihin Sholihin Sidiaji, Habib Silvi Andini Harahap Sitti Aminah Sompa, Andi St. Hardianti Safaruddin Suci Afrah Muti'ah Suci Mulya Lestari Sugandi, Ahmad Sugitanata, Arif Suhartiningsih Suhartiningsih Sulfiani Sulfiani Sulfiani, Sulfiani Sumahiradewi, Luh Gede Sumarni Sumarni Supra, Supra Supriyadi Supriyadi Syabandi, Ramandika Syafrurrahman, Syafrurrahman Syah, Uswah Trywulan Syamsiah, Syamsiah Tenri Sau Theresia Angelita Sembiring Turrahmah, Annisa Ulya, Ahmad Rosyadi Wahyu Andy Wahyuni, Andi Panca Wardanengsih, Ery Yetti Anita Yusuf, Raidah Intizar Zaenab, St Zulmawati, Baiq Risa