PAYLATER TRANSACTIONS IN INDONESIAN E-COMMERCE: SHARIA BUSINESS PERSPECTIVE

Authors

  • Tri Nur Wahyudi Universitas Muhammadiyah Surakarta, Indonesia
  • Muhammad Sholahuddin Universitas Muhammadiyah Surakarta, Indonesia
  • Henri Dwi Wahyudi
  • Muhammad Amir Anshori Universitas Muhammadiyah Karanganyar, Indonesia
  • Nur Ahmad Universitas Muhammadiyah Surakarta, Indonesia
  • Sri Padmantyo Universitas Muhammadiyah Surakarta, Indonesia
  • Imronudin Universitas Muhammadiyah Surakarta, Indonesia

DOI:

https://doi.org/10.29040/jie.v9i1.16490

Abstract

Engaging in financial transactions (muamalah) must adhere to sharia principles to ensure ethical and just practices, particularly in modern innovations such as PayLater systems. This study aims to analyze the alignment of PayLater transactions on Indonesian e-commerce platforms with sharia business principles. The research adopts a qualitative design with literature study approach. Data were collected through documentation methods, including journals, articles, and websites. The analysis was conducted using the Miles and Huberman model, involving three stages: data reduction, data display, and conclusion drawing. The findings indicate that PayLater transactions in Indonesian e-commerce platforms are largely inconsistent with sharia business principles. These inconsistencies include the presence of riba (usury) in the form of interest-based charges, gharar (uncertainty) in unclear contractual terms, violations of ba’i (trade ethics), and a lack of fairness in penalty structures. The study highlights the need for reforming PayLater systems to ensure compliance with Islamic principles and foster ethical financial practices.

References

Ananda, A., Islam, E., Surabaya, U. N., Islam, P. E., & Surabaya, U. N. (2022). Analisis Hukum Islam Terhadap Pinjaman Uang Elektronik Shopee Paylater Pada Marketplace Shopee. Jurnal Ekonomika Dan Bisnis Islam, 5, 131–144.

Asmuni & Mujiatun, S. (2016). Bisnis Syariah: Suatu Alternatif Pengembangan Bisnis yang Humanistik dan Berkeadilan. In Sudirman (Ed.), Perdana Publishing (Ketiga). https://doi.org/10.31538/adlh.v8i1.3315

Creswell, J. W. C. & J. D. (2018). Research Design Qualitative, Quantitative, and Mixed Methods Approaches (Fifth). SAGE Publications, Inc.

Darmawati H. (2018). Akad Dalam Transaksi Ekonomi Islam. Sulesana, 12(2), 144–167. http://journal.uin-alauddin.ac.id/index.php/sls/article/view/7578

Dominic, N., & Pardamean, B. (2023). Decision theory and risk simulation analysis for optimizing profit in paylater services. Procedia Computer Science, 219(2022), 60–67. https://doi.org/10.1016/j.procs.2023.01.264

Fauzan, M., Lubis, I. F., Muda, I., & Soemitra, A. (2024). THe Effect Of Payment Gateway , Level Of Ethnocentrism , And Lifestyle On Purchase Decisions Using Shopee Paylater With Islamic Consumer Ethics As A Moderating Variable. 6(4), 1158–1170. https://doi.org/10.48047/AFJBS.6.4.2024.1158-1170

Fitriyah, N. W., & Nadlifatin, R. (2024). Behavioral factors of intention to use pay later services. a systematic literature review. E3S Web of Conferences, 501(2024). https://doi.org/10.1051/e3sconf/202450102010

Guttman-Kenney, B., Firth, C., & Gathergood, J. (2023). Buy now, pay later (BNPL) …on your credit card. Journal of Behavioral and Experimental Finance, 37, 100788. https://doi.org/10.1016/j.jbef.2023.100788

Handayani, K., Nurfadillah, P. A., Lince, T., & Robiansyah, F. (2024). Penggunaan Paylater Dalam Prespektif Ekonomi Islam. 1, 72–86.

Huda, R. (2019). Akad Construction on Credit Card Products (Analysis of Sharia Economic Laws). Syariah: Jurnal Hukum Dan Pemikiran, 19(1), 119–131. https://doi.org/10.18592/sjhp.v19i1.2041

Ilham. (2024). Apakah Pembayaran Menggunakan PayLater dengan Bunga 2,95% Termasuk Riba? https://muhammadiyah.or.id/2023/11/apakah-pembayaran-menggunakan-paylater-dengan-bunga-295-termasuk-riba/

Juita, V., Pujani, V., Rahim, R., & Rahayu, R. (2024). Dataset on online impulsive buying behavior of buy now pay later users and non-buy now pay later users in Indonesia using the stimulus-organism-response model. Data in Brief, 54, 110500. https://doi.org/10.1016/j.dib.2024.110500

Kemenag. (2022). Qur’an Kemenag. Lajnah Pentashihan Mushaf Al-Qur’an, Jakarta. https://quran.kemenag.go.id/quran/per-ayat/surah/3?from=130&to=200

Kurniasari, F., Prihanto, J. N., & Andre, N. (2023). Identifying Determinant Factors Influencing User’S Behavioral Intention To Use Traveloka Paylater. Eastern-European Journal of Enterprise Technologies, 2(13–122), 52–61. https://doi.org/10.15587/1729-4061.2023.275735

Latief, F., Dirwan, D., & Maulana, A. A. (2024). Interest in Using Paylater on the Shopee Application in terms of Convenience, Lifestyle and Risk. … Dan Akuntansi, 9(2), 387–396. https://jurnalekonomi.unisla.ac.id/index.php/jpensi/article/view/2041%0Ahttps://jurnalekonomi.unisla.ac.id/index.php/jpensi/article/download/2041/1196

Leonita, D., & Wulandari, S. (2024). Pengaruh Fitur Shopee Paylater, Literasi Keuangan Dan Gaya Hidup Terhadap Perilaku Konsumtif Berbelanja Online Di Shopee (Studi Kasus Pada Mahasiswa Universitas Pelita Bangsa Progam Studi Manajemen Angkatan 2020). Jurnal Manajemen Terapan Dan Keuangan, 13(02), 554–566. https://doi.org/10.22437/jmk.v13i02.33657

Min, L. H., & Cheng, T. L. (2023). Consumers’ Intention to Use “Buy Now Pay Later†in Malaysia. Conference on Management, Business, Innovation, Education and Social Science, 3(1), 261–278.

MUI-Jatim. (2022). Fatwa Majelis Ulama Indonesia Jawa Timur Nomor 04 Tahun 2022 Tentang Transaksi Digital dengan Sistem Paylater. 5, 1–14. https://muijatim.or.id/wp-content/uploads/2022/09/Fatwa-No.4-Tahun-2022-tentang-transaksi-digital-menggunakan-Paylater.pdf

Prastiwi, I. E., & Fitria, T. N. (2021). Konsep Paylater Online Shopping dalam Pandangan Ekonomi Islam. Jurnal Ilmiah Ekonomi Islam, 7(1), 425. https://doi.org/10.29040/jiei.v7i1.1458

Rahayu, K. M. (2021). Apakah Pola Transaksi Paylater Diperbolehkan Dalam Syariat Islam…? Universitas Al Azhar Indonesia. https://wr4.uai.ac.id/apakah-pola-transaksi-paylater-diperbolehkan-dalam-syariat-islam/

Saputro, B. (2024). Otoritas Jasa Keuangan (OJK) di Indonesia tentang pembiayaan melalui PayLater. ANTARA: Kantor Berita Indonesia. https://www.antaranews.com/berita/4372791/ojk-catat-pembiayaan-lewat-paylater-capai-rp799-t-per-agustus-2024

Savila, L. N., Kurniawati, F., & Gunawan, A. (2024). Analisis Hukum Ekonomi Syariah Terhadap Transaksi Bayar Nanti (Paylater) Pada Aplikasi Shopee. Jurnal Sahmiyya, 3(1), 58–66. https://e-journal.uingusdur.ac.id/sahmiyya/article/download/1895/1722/13512#:~:text=Ditinjau dari hukum ekonomi syariah,adanya riba pada transaksi tersebut.

Syamsudin, M. (2020). Kartu Kredit Online atau Paylater menurut Hukum Islam. Nuonline. https://nu.or.id/syariah/kartu-kredit-online-atau-paylater-menurut-hukum-islam-m7kV1

Ubaidillah. (2020). Analisis Hukum Islam terhadap Shopee Paylater Pada Sistem Jual Beli Online. Jurnal Ekonomi Dan Hukum Islam, 7(1), 53–65. https://doi.org/10.35316/istidlal.v7i1.163

Ulum, Z., & Asmuni, A. (2023). Transaksi Paylater Perspektif Hukum Islam. Al-Mawarid Jurnal Syariah Dan Hukum (JSYH), 5(1), 59–72. https://doi.org/10.20885/mawarid.vol5.iss1.art5

Downloads

Published

2025-05-13

How to Cite

Wahyudi, T. N., Muhammad Sholahuddin, Henri Dwi Wahyudi, Muhammad Amir Anshori, Nur Ahmad, Sri Padmantyo, & Imronudin. (2025). PAYLATER TRANSACTIONS IN INDONESIAN E-COMMERCE: SHARIA BUSINESS PERSPECTIVE. JURNAL ILMIAH EDUNOMIKA, 9(1). https://doi.org/10.29040/jie.v9i1.16490

Issue

Vol. 9 No. 1 (2025): EDUNOMIKA

Section

Articles

Citation Check