Jurnal Multidisiplin Indonesia
Vol. 4 No. 3 (2026): September: Jurnal Multidisiplin Indonesia

ANALISIS HUKUM ISLAM TERHADAP SISTEM PAY LATER DAN DROPSHIPPING DALAM TRANSAKSI E-COMMERCE

Arif Maghfur (Universitas Sunan Drajat Lamongan)



Article Info

Publish Date
30 Sep 2026

Abstract

The development of digital technology has given rise to new transaction models in the e-commerce ecosystem, including pay-later systems and dropshipping. These two business models are growing rapidly in Indonesia and attracting the attention of Islamic scholars and academics, who are examining their legal status. This article aims to discuss both systems from an Islamic legal perspective, encompassing aspects of the contract, the conditions for valid transactions, and the potential for elements of gharar, riba, and tadlis that may be contained within them. The method used is a normative library study using the maqasid sharia approach and contemporary fiqh muamalat (Islamic law). The results indicate that the pay-later system has the potential to involve riba if interest or late fees are charged without a clear contract, while dropshipping requires caution in conveying the terms of ownership of goods to avoid the sale of goods that are not yet owned (bai' ma'dum). However, both systems can be considered halal if implemented in accordance with applicable sharia principles.

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Journal Info

Abbrev

JOUMI

Publisher

Subject

Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

Description

Ruang lingkup dan fokus terkait dengan penelitian dengan pendekatan Multidisipliner, yang meliputi: Ilmu Ekonomi dan Bisnis, Matematika dan Ilmu Pengetahuan Alam, Humaniora, Ilmu Sosial, Komunikasi, Teknik, Informatik, Pertanian, Perikanan, Kehutanan, Kesehatan dan ...