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All Journal SAINTEK Jurnal Pelita Ilmu Ekonomi Syariah (JPIES)
Ifa Nurul Fauziah
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Automotive Engineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Engineering Industrial & Manufacturing Engineering

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Tinjauan Hukum Ekonomi Syariah Terhadap Praktik ShopeePayLater Sebagai Produk Fintech Kontemporer Ifa Nurul Fauziah; Ahmad Zulfa Aulia Rahman; Muhammad Hafidz Faujan; Andhika Ulhaq Faturrahman
JPIES: Jurnal Pelita Ilmu Ekonomi Syariah Vol. 2 No. 01 (2025): JPIES Edisi Januari 2025
Publisher : LPPM STEBIS YPII

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71195/fb3n6w67

Abstract

The development of financial technology (fintech) has brought various innovations in payment systems, including the PayLater service that allows consumers to make purchases with deferred payments. Shopee PayLater, as one of the contemporary fintech products, has become a phenomenon in Indonesian consumer behavior. This study aims to analyze the practice of Shopee PayLater from the perspective of Islamic economic law using qualitative methods. The research method used is a qualitative approach with descriptive analysis techniques through literature studies and normative-juridical studies of Islamic economic principles. The results of the study based on the literature review indicate that the practice of PayLater contains elements that potentially conflict with Islamic principles, particularly related to the concepts of usury and gharar, and can encourage excessive consumptive behavior that is detrimental to Muslim consumers. This study recommends the need to develop a Sharia fintech model that is more in line with Islamic economic principles.
Pengamanan Data Pemesanan Pelanggan Menggunakan Algoritma AES-256-CBC: Studi Kasus pada UMKM Siti Furniture Dita Tiara Putri; Ifa Nurul Fauziah; Nur Laila; Suci Maolia
Prosiding Sains dan Teknologi Vol. 5 No. 1 (2026): Seminar Nasional Sains dan Teknologi (SAINTEK) ke 5 - Februari 2026
Publisher : DPPM Universitas Pelita Bangsa

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Abstract

Keamanan data pada sistem e-commerce menjadi aspek krusial dalam melindungi informasi sensitif pelanggan dan menjaga kepercayaan terhadap platform digital. Penelitian ini mengimplementasikan algoritma enkripsi AES-256-CBC dengan pendekatan field-level encryption pada data pemesanan pelanggan di UMKM Siti Furniture, Cikarang, Jawa Barat. Implementasi menggunakan kunci 256-bit dan initialization vector (IV) acak yang dihasilkan secara otomatis pada setiap proses enkripsi untuk mencegah terbentuknya pola ciphertext yang identik. Evaluasi keamanan dilakukan melalui pengujian fungsional enkripsi-dekripsi dan pengujian tingkat keacakan ciphertext menggunakan Entropi Shannon. Pengujian fungsional menunjukkan bahwa seluruh data sensitif pelanggan berhasil dikembalikan tanpa perubahan. Pengujian Entropi Shannon menghasilkan nilai entropi berkisar antara 7,9224 hingga 7,9845 bit/byte, setara dengan 99,03% hingga 99,81% dari nilai entropi ideal yaitu sebesar 8 bit/byte, menunjukkan tingkat keacakan ciphertext yang sangat tinggi. Penggunaan IV acak memastikan plaintext yang identik menghasilkan ciphertext berbeda pada setiap proses enkripsi. Hasil membuktikan bahwa AES-256-CBC dengan enkripsi field-level dapat diterapkan efektif pada sistem e-commerce UMKM dengan sumber daya terbatas tanpa mengurangi keamanan data dan integritas informasi pelanggan.
Co-Authors Ahmad Zulfa Aulia Rahman Andhika Ulhaq Faturrahman Dita Tiara Putri Muhammad Hafidz Faujan Nur Laila Suci Maolia