PAYLATER TRANSACTIONS IN INDONESIAN E-COMMERCE: SHARIA BUSINESS PERSPECTIVE

Penulis

  • 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

Abstrak

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.

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Unduhan

Diterbitkan

2025-05-13

Cara Mengutip

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

Terbitan

Vol 9 No 1 (2025): EDUNOMIKA

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