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All Journal Jurnal Media Akademik (JMA) Demagogi: Journal of Social Sciences, Economics and Education Values: Jurnal Kajian Islam Multidisiplin Regulate: Jurnal Ilmu Pendidikan, Hukum dan Bisnis Al-Abqori: Journal of Islamic Thought Studies
Hawa Gazani
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Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Values: Jurnal Kajian Islam Multidisiplin

 1 
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 Abel Fitriyaningrum Afaf Fitriati Andini Maulidya Anvio Dzul Cahyono Issudi Bilal Kautsar Setiabudi Citra Nur Islamiyah Deva Sukmawati Devi Triana Dian Irawati Elisa Tri Rahayu Fatmi Itsnaini Helmi Helmi Ida Farida Julia Eka Firmanda Kamelia Khasanah Karimatul Amaliyah Kholilur Rohman Lailatul Berliana LAILATUL FITRIA Linawati M. Firdaus Tri Kuncoro M.Firman Ardiansyah Maratus Solihah Moh Az Fahani Zain Moh Iqbal Maulana Moh. Zaini Muhammad Ersya Faraby Musleh, Musleh Muzhirul Alam Nadhiriotul Jannah Najla Shafaa Kamila Najmi Maulita Amaliya Nanda Alfia Nasya Amelia Putri Noer Cahya Khoirony Nur Komariyah Nuzhuliya Mega Avifa Putri Firda Febrianti Putri Leni Asyari Rania Ningsih Refani Nafisara Rusdun Kamil Sayful Arif Sholahuddin Siti Nurhaliza Syahroni Wahyu Pratama Tatha Amelia Fretika Umar Gibran Assidqi Vifin Nadzary A Zalqira Najarillah