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All Journal Tahkim (Jurnal Peradaban dan Hukum Islam) Al Mashaadir : Jurnal Ilmu Syariah
Fadhilah, Salma Nurul
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Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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TINJAUAN HUKUM ISLAM TERHADAP KEUNTUNGAN (DISKON) MELALUI METODE PEMBAYARAN SHOPEEPAY Nur Arifah, Siti Asiyah; Fattah, Athiyatul; Fadhilah, Salma Nurul; Agus Putra, Panji Adam
Tahkim (Jurnal Peradaban dan Hukum Islam) Vol 7, No 2 (2024)
Publisher : Prodi Hukum Keluarga Islam (Ahwal Asy-Syakhsiyyah) Fakultas Syariah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/tahkim.v7i2.11160

Abstract

Pada zaman yang serba digital, para pembeli maupun penjual sudah terbiasa dengan melakukan penggunaan pembayaran secara digital seperti yang diterapkan oleh aplikasi online yaitu shopee dengan adanya Shopeepay. Tujuan penelitian ini adalah untuk mengetahui tinjauan hukum Islam terhadap transaksi Shopeepay dan hukum diskon melalui metode pembayaran Shopeepay. Pendekatan dalam penelitian ini menggunakan yuridis normative. Jenis penelitian ini tergolong ke dalam penelitian studi Pustaka dengan metode kualitatif. Hasil penelitian menunjukkan bahwa Ada beberapa pendapat perihal dasar hukum dalam penggunaan Shopeepay dalam transaksinya. Pendapat pertama mengatakan bahwa pada dasarnya hukum muamalah ialah boleh selama tidak ada dalil yang melarangnya. Dengan syarat ialah tidak adanya transaksi riba di dalamnya dan aplikasi Shopee ini hanya menyediakan pembayaran online saja. Pendapat kedua mengatakan bahwasannya pembayaran melalui Shopeepay hukumnya haram karena Shopeepay ini sama halnya dengan funding dana yang bertujuan untuk menghimpun dana dari masyarakat dengan berbagai macam promo yang ditawarkan dan didalamnya terdapat riba. Keuntungan atau diskon dari metode pembayaran Shopeepay seperti voucher diskon dan lain sebagainya dalam Islam termasuk ke dalam riba qordh, karena keuntungan tersebut didapatkan dari simpanan dana yang disimpan di Shopeepay yang dananya akan digunakan untuk kegiatan shopeepay later. In this digital era, both buyers and sellers have become accustomed to using digital payments, as implemented by online applications such as Shopee with its ShopeePay feature. The purpose of this study is to examine the perspective of Islamic law on ShopeePay transactions and the ruling on discounts through the ShopeePay payment method. This research adopts a normative juridical approach. The type of research is classified as a library study using qualitative methods. The results of the study indicate differing opinions regarding the legal basis for the use of ShopeePay in transactions. The first opinion states that, in principle, the law of muamalah (transactions) is permissible as long as there is no evidence prohibiting it. This is subject to the condition that there is no usurious transaction involved and that the Shopee application merely provides an online payment method. The second opinion argues that payments through ShopeePay are prohibited because ShopeePay is similar to a funding platform aimed at collecting funds from the public through various promotional offers, which include elements of riba (usury). Discounts or benefits from ShopeePay payment methods, such as discount vouchers and others, are classified as riba qardh in Islamic law because these benefits are derived from funds deposited in ShopeePay. These funds are subsequently used for ShopeePay Later activities.
Analysis of Discounts in Shopeepay Transactions: Perspective of Islamic Law and Sociology of Law Fadhilah, Salma Nurul; Nurcahyono, Arinto
Al Mashaadir : Jurnal Ilmu Syariah Vol. 5 No. 2 (2024)
Publisher : STIS Ummul Ayman, Meureudu, Pidie Jaya, Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/jis.v5i2.257

Abstract

The development of digital technology has driven changes in economic transactions, including the increasing use of digital wallets such as shopeepay. Shopeepay offers ease of transactions as well as various promos such as discounts and cashback that attract consumers. However, from the perspective of Islamic law, there is a debate about the validity of this transaction, especially related to the element of riba in the profits obtained by users. In addition, from the perspective of legal sociology, the use of shopeepay reflects how society navigates Islamic legal norms in modern economic practices. This research uses a descriptive qualitative method with a legal sociology approach. Data is collected through literature studies by analyzing relevant literature, including journals, books, and articles. The analysis was carried out by identifying people’s behavior patterns in the use of shopeepay as well as the influence of social norms and economic interests on compliance with Islamic law. Promos and incentives provided by shopeepay can be categorized as riba nasi’ah because they come from funds saved by users. Despite this, many people continue to use shopeepay because of its economic benefits, showing that economic interests are often more dominant than compliance with Islamic law. Therefore, stricter supervision from regulators and public education regarding digital transactions in accordance with sharia principles is needed.
Co-Authors Arinto Nurcahyono Fattah, Athiyatul Nur Arifah, Siti Asiyah Panji Adam Agus Putra