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All Journal Demagogi: Journal of Social Sciences, Economics and Education Values: Jurnal Kajian Islam Multidisiplin
Lailatul Berliana
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Religion Humanities Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Indonesian Political System Post Reformation Lailatul Berliana; Siti Nurhalizah; Nasya Amelia Putri; Mashudi
Demagogi: Journal of Social Sciences, Economics and Education Vol. 3 No. 3 (2025): June
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/demagogi.v3i3.81

Abstract

This article discusses the changes and developments in the political system in Indonesia after the reformation. The reformation brought significant changes in the distribution of power and the repositioning of a more democratic political system, including direct elections for regional heads and members of the DPR/DPRD and DPD. However, the implementation of a better system faces challenges, especially in understanding and utilizing the distribution of power at the local level, which is often accompanied by a culture of corruption. This article also highlights the role of society in promoting political stability through intergenerational mobility and how the Indonesian political system adapts to external and internal influences.
Comparison of E-Wallet, QRIS and Paylater Digital Payment Methods from a Sharia Perspective Lailatul Berliana; Nasya Amelia Putri; Siti Nurhaliza; Helmi, Helmi; Umar Gibran Assidqi; Hawa Gazani
Values: Jurnal Kajian Islam Multidisiplin Vol. 2 No. 5 (2025)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/values.v2i5.111

Abstract

The development of financial technology has given rise to various digital payment instruments, including e-wallets, QRIS, and Paylater, which are increasingly popular among the public. This study aims to analyze these three payment methods from an Islamic perspective, by reviewing the contracts used and their compliance with Sharia principles. The study results indicate that e-wallets are essentially permissible because they function as a storage medium (wadi'ah contract) and a transaction tool supported by sale and purchase contracts and ijarah, as long as they are not used for transactions of prohibited goods/services. QRIS is also permissible because it only functions as a QR code-based transfer and payment facility, provided it is free from elements of usury, gharar, and maysir. Meanwhile, Paylater has generated controversy; some scholars permit it if the installment contract clearly states without additional interest, but in practice, it is often accompanied by interest and late fees, thus constituting prohibited usury. This study concludes that the use of e-wallets and QRIS is in line with Sharia principles, while the use of Paylater should be avoided or limited to avoid violating Islamic law.
Co-Authors Hawa Gazani Helmi Helmi Mashudi Nasya Amelia Putri Siti Nurhaliza Siti Nurhalizah Umar Gibran Assidqi