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All Journal AHKAM : Jurnal Hukum Islam dan Humaniora
Barkah, Achmad Afad El
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Humanities Law, Crime, Criminology & Criminal Justice Social Sciences

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Tinjauan Hukum Islam Kredit Online (Pay Later) dalam Transaksi Jual Beli Online Menurut Imam Madzhab Barkah, Achmad Afad El; Auliya, Rizky Fitra; Aliyah, Nelud Darajaatul
AHKAM Vol 3 No 3 (2024): SEPTEMBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ahkam.v3i3.3450

Abstract

This study examines the compliance of online credit transactions, specifically the Pay Later feature, with Islamic law according to various Islamic jurists (Imam Madzhab). While many Muslims engage in business transactions, they often overlook Islamic principles, focusing on individual profits. The Pay Later system, which allows consumers to purchase items and defer payment, is scrutinized for its alignment with Islamic concepts such as Istijrar. Scholars argue that transactions where the total price is unknown until payment are impermissible. Although services like Shopee Pay Later meet several Islamic contractual criteria, they face criticism for potential riba (usury) due to additional charges. This research employs a descriptive qualitative approach, analyzing literature from books, journals, and Islamic texts, and concludes that while Pay Later transactions can meet Islamic requirements, their permissibility remains debated.
Co-Authors Aliyah, Nelud Darajaatul Auliya, Rizky Fitra