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All Journal Al-Mashrof: Islamic Banking and Finance
Juang, Muhammad Juang Harfian
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Economics, Econometrics & Finance

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Analysis Cash On Delivery Cost Efficiency on Shopee Sharia Based Ethical Perspective User Satisfaction Juang, Muhammad Juang Harfian; Euis Amalia; Roikhan Mochamad Aziz
Al-Mashrof: Islamic Banking and Finance Vol. 6 No. 2 (2025): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/h7twcb25

Abstract

This study examines the efficiency of Cash On Delivery (COD) handling costs and their impact on user satisfaction within Indonesia’s digital marketplace, framed within the context of Islamic fintech and sharia-based financial ethics. In Islamic financial systems, payment mechanisms are required to uphold the principles of justice, transparency, mutual consent, and social welfare. Using a quantitative approach, data were collected from 210 Shopee users and analyzed through Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal a significant negative relationship between COD handling costs and user satisfaction, indicating that higher and less transparent costs reduce perceived value and consumer trust. These results highlight that cost efficiency grounded in sharia ethical principles is essential for strengthening consumer protection and sustaining the credibility of Islamic fintech ecosystems.   Keywords: Cash On Delivery Efficiency, Handling Cost Analysis, User Satisfaction, Consumer Trust, Ethical Business Values
Co-Authors Euis Amalia Roikhan Mochamad Aziz, Roikhan Mochamad