Penggunaan Paylater Pada Praktik Jual Beli Secara Digital Dalam Pandangan Agama Islam (original) (raw)
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Konsep Paylater Online Shopping dalam Pandangan Ekonomi Islam
Jurnal Ilmiah Ekonomi Islam, 2021
In today's digital era, the PayLater payment phenomenon has emerged. The main concept of PayLater's payment feature is "buy now, pay later". Buying and selling in this way where the consumer (buyer) buys / takes goods from the seller, then at the end of a certain period that is mutually agreed upon, the total will be paid. This is called buying and selling Istijrar. The scholars have a different opinion, if the price is not known by the buyer when buying / taking goods, and the buyer only knows the price after it has been totaled at the end when they want to make a payment, then buying and selling is prohibited. This is the opinion of jamahir ulama (almost all scholars) from 4 schools of thought. However, buying and selling will be valid and allowed as long as there is a market price (as-Si'rul Mitsl) which is generally accepted. This is one of the opinions of the syafiiyah scholars, one of the narrations in the Hambali school of thought, and the opinion chosen by Ibn Taymiyyah and Ibnul Qoyim. So that Istijar or PayLater is allowed where the price is determined after all buying and selling transactions are carried out relevant to the Islamic economy with certain conditions. The PayLater feature is rapidly gaining popularity due to advances in payment system technology in e-commerce (online shopping). We really need to consider us when we want to take advantage of the convenience of this feature. Besides being easy, PayLater does not require special guarantees, so the PayLater feature is in high demand. However, don't let us as humans become complacent and crazy in using it so that we become consumptive (wasteful) and even go into debt when shopping via online (online shopping). So, the positive side of PayLater also needs to be balanced with an understanding of the potential risks that it can cause. Therefore, before using the PayLater facility, consumers (buyers) must consider their needs and wants according to their abilities.
Transaksi Kredit Digital (Shopee Paylater) dalam Perspektif Islam
Labatila, 2023
Various digital financial services are currently widely used by the public. Shopee PayLater is a loan service from Shopee for online shopping. This study aims to analyze transactions on Shopee PayLater from an Islamic perspective. This study uses a qualitative approach in describing how digital credit transactions, namely Shopee PayLater, are carried out in the perspective of the Alquran and Hadith. The practice of Shopee PayLater which provides services in the form of money loans using the application of a qardh contract or debt is not in accordance with the fatwa. This is because in practice there are several things that are not in accordance with Islamic law. Meanwhile in the fatwa it has been explained that the use of electronic money must be avoided from transactions that contain elements of ribawi and things that can be detrimental to both parties during a sale and purchase.
Pengaruh Penggunaan Paylater Terhadap Perilaku Impulse Buying Pengguna E-Commerce di Indonesia
Jurnal Riset Bisnis dan Investasi
The development of e-commerce has had an impact on payment methods which were originally only known as cash payments, paper-based, card based, are now being introduced with new electronic-based payment systems such as m-banking, virtual accounts, payment applications. Paylater is a type of online credit payment. Paylater allows its users to have a credit card without a card and without a complicated manufacturing process. This study uses a quantitative descriptive analysis method so that the data used is the result of distributing questionnaires to 404 samples who meet the criteria. The results of this study indicate that the ease of use oftechnology paylaterhas an effect of 6.4% on the impulsive buying behavior ofusers e-commerce in Indonesia. From the results of data processing, it can be concluded that the ease of use oftechnology paylater byusers e-commerce in Indonesia is very good andusers paylater tend to make impulse buying when shopping
Kajian Yuridis Terhadap Transaksi Jual Beli Online Dengan Menggunakan Fitur Paylater
TATOHI: Jurnal Ilmu Hukum
Introduction: Shopee Paylater is a payment method which means users or consumers will get loans instantly. Each agreement of the parties has an obligation to fulfill achievements to other parties, in practice some of the Consumers do not carry out their obligations properly and correctly, some of the Consumers are not in good faith when carrying out product or service transactions, there are also buyers who do not pay in accordance with the agreed maturity date, therefore the Consumer is deemed to have defaulted.Purposes of the Research: Analyze and review the dispute resolution process if the consumer defaults on the Shopee Paylate payment method. Methods of the Research: : This research is included in normative legal research, namely research examining various positive legal provisions, various legal principles, legal principles and doctrines to answer legal issues faced by.Results of the Research: The results of the study show that the The procedure for carrying out online buying...
Tinjauan Hukum Islam tentang Transaksi E-Commerce Aplikasi Shopee dengan Metode Paylater
Jurnal Indragiri Penelitian Multidisiplin
Shopee is an application that is engaged in buying and selling online and can be accessed easily by using a smartphone. This application provides various types of payments, one of which is shopee paylater / pay later. Pay Later is a payment method that supports consumers to “buy now, pay later”. With this payment method, consumers are given the opportunity to buy something without having to pay for a certain period of time. In the Islamic view, this paylater transaction is usury.
Analisis Penggunaan Pembayaran Paylater terhadap Perilaku Konsumsi Masyarakat dalam Pandangan Islam
Al-Kharaj, 2024
The market has experienced unprecedented growth in recent years, which has significantly impacted the way consumers conduct their consumption behavior by offering a new payment method called PayLater. PayLater is intended to direct people to consumptive behavior in purchasing products because of the payment process later. In fact, Islam has certain principles regarding consumption activities, including the prohibition of waste in personal and collective consumption. So, in Islam, consumption must be based on needs, not just to fulfill desires which of course have no end. This research aims to determine the effect of using PayLater on Islamic consumption behavior by using three X variables including Convenience (X1), Trust (X2) and Lifestyle (X3). This research uses a quantitative approach with a population of 150 respondents. The data collection technique used was by distributing questionnaires online via Google Form. Data analysis techniques use the Classic Assumption test, Multiple Linear Regression Test using the t test, F test and coefficient of determination test. The results obtained from this research using the SPSS program obtained results from the coefficient of determination test of 94% while the remaining 6% was influenced by external variables. Multiple linear regression of the variables Convenience (X1), Trust (X2) and Lifestyle (X3) which have an influence on the PayLater Usage Behavior variable (Y).
EKONOMIKA45 : Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan
Tujuan penelitian ini adalah untuk mengetahui pengaruh literasi keuangan dan Pengalaman Finansial Generasi Milenial terhadap penggunaan PayLater di E-Commerce. 2) Penelitian ini dilakukan pada mahasiswa KSPM (Kelompok Studi Pasar Modal) di 7 Perguruan Tinggi di Kota Palembang. 3) Jenis penelitian ini adalah penelitian kuantitatif dengan menyebarkan kuesioner penelitian melalui Google Form. Jumlah populasi 180 dengan sampel 150 responden. 4) Berdasarkan hasil analisis uji t menunjukkan bahwa literasi keuangan berpengaruh signifikan terhadap penggunaan PayLater di E-Commerce. 5) Sedangkan Financial Experience tidak berpengaruh signifikan terhadap penggunaan PayLater di E-Commerce. 6) Kemudian hasil analisis uji F (simultan) menunjukkan literasi keuangan dan pengalaman keuangan secara bersama-sama berpengaruh terhadap penggunaan PayLater pada E-Commerce di 7 perguruan tinggi Kota Palembang. 7) Bahwa perkembangan era digital memberikan pengalaman finansial bagi mahasiswa untuk mengenal ...
Perspektif Ekonomi Islam Terhadap Transaksi Shopee Paylater
Al-Azhar Journal of Islamic Economics
This study discusses an overview of Islamic economics on the use of Shopee Paylater transactions in the city of Makassar. The purpose of this study is to reveal an overview of Islamic economics on the practice of using Shopee Paylater transactions in the city of Makassar. This research is a field research with a qualitative approach method, sourced from primary data and secondary data. The results of the study reveal that Shopee Paylater provided by Shopee aims to benefit from user loans. Electronic loans provided by Shopee to users through the Shopee Paylater feature in terms of the Islamic economy are not justified because this feature draws profits from loan proceeds while Islam forbids taking advantage of loans. Loans provided by Shopee Paylater are usurious and contrary to Islamic economic principles.
Tinjauan Hukum Ekonomi Syariah Akad Murabahah terhadap Praktik Paylater di Market Place
2020
Abstract. In the millennial era, online credit buying and selling how in the Murabahah contract in the ShoppePaylater there is a handling fee in how the murabaha contract this research aims to find out a review of Sharia economic law on the murabaha contract on Paylater practices in the Marketplace. The object of this research is the Shoppe company. The research method used is qualitative. Data collection techniques using secondary data support discussion and research, for several sources of books or data obtained will help research. The type of literature study data in the literature study finds relevant theory references to strengthen the problem for analyzing the application of Paylater in the Shoppe Application. Based on the results of the study showed that ShoppePaylater has met the terms and conditions of murabaha contract to avoid usury users make 1x payment. Keywords: Murabahah Agreement, Paylater, Shoppe Application. Abstrak. Dalam zaman milineal, jual beli kredit online ba...