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All Journal Syariah: Jurnal Hukum dan Pemikiran MUBEZA Pemikiran Hukum dan Ekonomi Islam
Pane, Siti Rif’atussa’adah Sitorus
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Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Other

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Sikap Beragama dan Kondisi Keberagamaan Masyarakat Kabupaten Aceh Tengah Menjelang Pilkada Tahun 2024 Sutrisno, Sutrisno; Pane, Siti Rif’atussa’adah Sitorus; Futra, Salmandi
Mubeza Vol. 14 No. 1 (2024): Maret 2024
Publisher : IAIN Takengon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54604/mbz.v14i1.436

Abstract

Pemilihan kepala daerah serentak dilaksanakan pada 27 November 2024, namun suhu politik di Kabupaten Aceh Tengah sudah mulai muncul kepermukaan. Segmentasi masyarakat dengan mengidentifikasi calon berdasarkan belah uken dan belah toa selalu muncul dalam kontestasi politik di Aceh Tengah. Penelitian ini menggunakan pendekatan dekskriptif kualitatif untuk menggambarkan sikap beragama dan kondisi keberagamaan masyarakat Kabupaten Aceh Tengah menjelang Pilkada tahun 2024. Data didapatkan dari observasi langsung, wawancara mendalam dan dokumentasi. Hasil penelitian ini menemukan bahwa sikap beragama dan kondisi keberagamaan masyarakat Kabupaten Aceh Tengah dalam kondisi kondusif, menjalankan ibadah dan ajaran agama tanpa adanya opini maupun isu yang mengarah kepada politisasi agama. Hal yang muncul selanjutnya dimana politik belah/klan antara uken dan toa masih mendominasi ditambah dengan urang paloh (orang pesisir) sebagai identifikasi baru calon bupati yang merepresentasikan calon bukan berasal dari belan uken ataupun belah toa.
Reconstructing Paylater Schemes in Islamic Fintech: A Normative Analysis of Deferred Payment Contracts Under Sharia Economic Law Hayati, Anisah Norlaila; Fitrianoor, Wahyu; Saliro, Sri Sudono; Fadillah, Nor; Pane, Siti Rif’atussa’adah Sitorus
Syariah: Jurnal Hukum dan Pemikiran Vol 25 No 1 (2025)
Publisher : Universitas Islam Negeri Antasari Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/sjhp.v25i1.18517

Abstract

The proliferation of financial technology (fintech) innovations has reshaped consumer behavior through digital payment models such as paylater, enabling deferred payments in online transactions. Despite its practical benefits, the paylater mechanism raises legal and ethical concerns in Islamic economic law due to possible elements of riba (usury), gharar (uncertainty), and contractual ambiguity. This study investigates the normative validity of paylater schemes within the framework of Sharia economic law by reconstructing them through Sharia-compliant contractual models. Using a normative-juridical method supported by doctrinal analysis, this research examines primary sources such as the Compilation of Sharia Economic Law (KHES), relevant fatwas of the National Sharia Council–Indonesian Ulema Council (DSN-MUI), and international Sharia standards (AAOIFI and IFSB), supplemented by secondary literature on Islamic finance and e-commerce. The findings indicate that paylater is permissible under Sharia when structured as bai‘ bi tsaman ajil (deferred payment sale) or murabahah (cost-plus sale), provided that price, ownership, and risk are clearly defined and that penalties do not involve interest. Conversely, a paylater model based on qardh (loan) with fixed returns constitutes riba and violates Islamic principles. The study further offers practical recommendations for regulators and fintech operators to design transparent, fair, and Sharia-compliant digital financing systems aligned with maqāṣid al-sharī‘ah to protecting religion, life, intellect, wealth, and lineage. This reconstruction contributes to the global discourse on Islamic fintech by proposing a viable Islamic “Buy Now Pay Later” (BNPL) model that balances consumer protection, market competitiveness, and ethical finance.
Co-Authors Fadillah, Nor Fitrianoor, Wahyu Futra, Salmandi Hayati, Anisah Norlaila Sri Sudono Saliro Sutrisno, Sutrisno