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All Journal Perbanas Journal of Islamic Economics and Business International Journal of Social and Political Sciences
Wahyudi, Ahmad Zulfi
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Penggunaan Paylater Sebagai Metode Pembayaran Uang Kuliah Tunggal Oleh Mahasiswa Dalam Perspektif Maslahah Wahyudi, Ahmad Zulfi; Alfikri, Ahmad Faiz Shobir; Sumidartini, Ai Netty
Perbanas Journal of Islamic Economics and Business Vol 5 No 2 (2025): Perbanas Journal of Islamic Economics and Business
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v5i2.314

Abstract

This study aims to analyze the legality of the use of paylater as a method of paying the Single Tuition Fee (UKT) based on the applicable legal review. This research also aims to evaluate the maslahah aspects resulting from the application of this payment method by students. The novelty of this research lies in the analysis that connects the use of paylater as a UKT payment method by students with a maslahah perspective, which has never been studied in the previous literature. This research is normative legal research with a statute and conceptual approach. The result of this research is that the use of paylater to pay UKT has legality based on OJK regulations but has not been explicitly regulated in the education sector. The paylater agreement must fulfill Article 1320 of the Civil Code. Synchronizing fintech and education regulations is a challenge that must be resolved. From a maslahah perspective, paylater supports education and financial management (hifz al-‘aql and hifz al-mal) if following sharia, but risks becoming maslahah mulgah if not wise. Paylater can be categorized as anemergency (darurat) if there is no other alternative to pay UKT, or an important need (hajat) if it is used to ease the payment burden in the short term. However, at the tahsînat level, paylater is more optional and must be used wisely. The implication of this research is to encourage policy harmonization between OJK and the Ministry of Education and Science to ensure that the use of paylater in the education sector runs according to the principle of maslahah, supports access to education, protects consumers, and avoids practices that have the potential to burden students financially.
The Mobile Court Program as an Instrument for Access to Justice in Remote Areas. An Empirical Study of the Religious Court of Labuha Alfikri, Ahmad Faiz Shobir; Wahda, Maziya Rahma; Wahyudi, Ahmad Zulfi; Rahmatullah, M. Azam
International Journal of Social and Political Sciences Vol. 2 No. 3 (2025): December, 2025
Publisher : Austronesia Akademika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69812/ijsps.v2i3.146

Abstract

Access to justice remains uneven for communities living in remote archipelagic regions, where distance, transport constraints, and administrative barriers limit their ability to obtain formal judicial services. In response to this problem, the Labuha Religious Court has implemented a mobile court program to bring hearings closer to justice seekers. This study aims to examine how the mobile court program is implemented in the jurisdiction of the Labuha Religious Court and to identify the factors that support and hinder its operation. The research uses a qualitative empirical legal method with a socio-legal approach. Data were collected through semi-structured interviews and documentation involving court officials and community members directly connected to mobile court activities, and were analyzed using the Miles and Huberman interactive model. The findings show that mobile court sessions in Kasiruta and Sanana substantially improved access to justice, especially for marriage validation, divorce by talaq, contested divorce, and guardianship cases. The program was supported by strong institutional commitment, inter-agency collaboration, and active community participation. However, its implementation was constrained by difficult geography, weather uncertainty, limited transportation, and incomplete administrative documents among justice seekers. In conclusion, the mobile court program functions as an effective instrument for expanding inclusive judicial services in remote areas across dispersed island communities.
Co-Authors Alfikri, Ahmad Faiz Shobir Rahmatullah, M. Azam Sumidartini, Ai Netty Wahda, Maziya Rahma