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This Author published in this journals
All Journal Journal of Innovative and Creativity Journal of Social Humanities and Education: Scripta Humanika
Muhammad Imamul Muttaqin Arisandi
Sekolah Tinggi Agama Islam Darul Hikmah Bangkalan
Humanities Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Shopee Paylater dalam Sorotan Hukum Ekonomi Islam: Analisis Kritis Berbasis Maslahah, Akad dan Impikasi Syariah Muhammad Imamul Muttaqin Arisandi
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.515

Abstract

Fenomena penggunaan layanan Buy Now Pay Later (BNPL) seperti Shopee PayLater (SPayLater) semakin marak di tengah masyarakat, namun menimbulkan persoalan dalam konteks hukum ekonomi Islam, khususnya terkait kejelasan akad, potensi riba, dan implikasi perilaku konsumtif. Penelitian ini bertujuan untuk menganalisis SPayLater dalam perspektif hukum ekonomi Islam dengan menelaah aspek maslahah, kepatuhan syariah, dan implikasinya secara teoritis dan empiris. Metode yang digunakan adalah studi kualitatif dengan pendekatan studi pustaka, yang didukung oleh temuan-temuan dari penelitian terdahulu serta opini kritis penulis. Hasil kajian menunjukkan bahwa SPayLater memberikan manfaat dari sisi inklusi keuangan dan kemudahan transaksi, namun mengandung risiko syariah seperti riba nasi’ah, gharar, dan bay’ al-‘inah karena ketidakjelasan akad dan denda keterlambatan. Kesimpulan dari kajian ini menyatakan bahwa SPayLater belum sepenuhnya memenuhi prinsip maqasid al-shari’ah dan memerlukan reformulasi skema akad agar sesuai dengan hukum ekonomi Islam. Oleh karena itu, disarankan adanya fatwa khusus dari otoritas syariah, edukasi literasi keuangan syariah bagi masyarakat, serta inovasi model pembiayaan digital yang berbasis akad-akad syariah secara eksplisit.
Construction of a Digital Asset Regulation Framework in Islamic Social Finance: Blockchain Integration for Zakat Transparency and Estate Planning Muhammad Imamul Muttaqin Arisandi; Bustomi Arisandi; Bahrul Ulum; M. Khodimul Wahib; Kholid Kholid
Jurnal Sosial Humaniora dan Pendidikan Vol 1 No 4 (2026): May: Jurnal Sosial Humaniora dan Pendidikan: Scripta Humanika
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/4qdt4d43

Abstract

This study examines the construction of an Islamic digital asset governance framework within the context of blockchain integration for zakat transparency and digital estate planning in Indonesia. The research responds to the growing tension between rapid technological transformation in Islamic finance and the absence of comprehensive sharia-oriented regulatory mechanisms governing crypto assets, decentralized transactions, and digital inheritance systems. Employing a non-empirical juridical-normative method, the study analyzes statutory regulations, DSN-MUI fatwas, comparative international regulatory models, and interdisciplinary scholarly literature concerning Islamic fintech, blockchain governance, and Maqasid Shariah. The findings indicate that existing regulatory approaches remain fragmented because financial supervision, sharia compliance, and inheritance governance operate within disconnected institutional frameworks. Blockchain technology demonstrates significant potential to enhance transparency, accountability, and efficiency in zakat and waqf management through immutable ledgers and automated smart-contract mechanisms, although unresolved cyber risks, speculative volatility, and succession vulnerabilities continue to threaten the principle of hifzh al-mal. The study formulates the Islamic Digital Asset Governance Framework (IDAGF), integrating technical supervision, sharia certification, judicial authorization, and social-finance accountability into a multilayered governance structure capable of harmonizing algorithmic innovation with Islamic legal certainty and sustainable digital financial ethics.
Co-Authors Bahrul Ulum Bustomi Arisandi Kholid Kholid M. Khodimul Wahib