Analysis of Online Sales Contracts Using Shopee Paylater in the Perspective of Fiqh Muamalah
Abstract
This study aims to explore the suitability of the deferred payment mechanism through Shopee PayLater with the principles of Islamic law, especially in terms of debt-receivables transactions and the prohibition of usury. This study uses a qualitative approach with descriptive analysis of secondary data to explore issues of legality and morality of BNPL transactions in the context of Islamic economics. Based on an analysis of sharia provisions, it was found that the existence of additional fees and late payment fines in the Shopee PayLater system can be categorized as the practice of usury, which is contrary to Islamic teachings. The findings of this study are expected to provide a better understanding of the impact of the delayed payment system in electronic commerce and provide recommendations related to the implementation of transactions that are more in accordance with sharia principles.
Keywords
Full Text:
PDFReferences
Al Munawar, Faishal Agil, dan M. Iqbal Vad’aq. “The Views of Nahdlatul Ulama and Muhammadiyah Figures on Credit Transactions with a Savings System.” Indonesian Journal of Islamic Economics and Finance 4, no. 1 (2024): 103–120.
Anuar, Saiful. “JULA-JULA AS A MODEL OF SHARIAH-COMPLIANT MICROFINANCE: COMMUNITY PRACTICES IN RURAL INDONESIA.” Share: Journal of Islamic Economics & Finance/Jurnal Ekonomi dan Keuangan Islam 14, no. 1 (2025). https://search.ebscohost.com/login.aspx?direct=true&profile=ehost&scope=site&authtype=crawler&jrnl=20896239&AN=185373529&h=gQHKjM%2BmBi9Q16sdH0fQPJXr2kxhWvLq0CCKPW7zHxsFPh2sqglX47jBOszMeMLrgYEbQ8dHWSkVquXR3SLdEA%3D%3D&crl=c.
“Apa Itu Shopee PayLater, dan Dampaknya jika Terlambat Bayar Tagihan.” Diakses 18 Juni 2025. https://www.kompas.com/tren/read/2022/04/06/200000765/apa-itu-shopee-paylater-dan-dampaknya-jika-terlambat-bayar-tagihan?page=all.
Bhanurasmi, Bhanurasmi, dan Gyandra Fisnawati. “Islamic Law Analysis of PayLater Contracts in Online Marketplace Applications.” SYARIAT: Akhwal Syaksiyah, Jinayah, Siyasah and Muamalah 1, no. 3 (2024): 132–139.
Chan, Thomas MH, Oleksandr Pidchosa, Anastasiya Hunda, Chuanchuan Mo, Dianlan Liu, dan Tao Liang. “The Rise of Cross-Border E-Commerce in Southeast Asia: Trends, Players, and Market Dynamics.” Hong Kong Review of Belt and Road Studies, no. 1 (2024): 67–99.
COMMIT, SHOPEE PAYLATER USERS WHO. “SHOPEE’S LEGAL RELATIONSHIP WITH SHOPEE PAYLATER USERS WHO COMMIT DEFAULTS (Research Study In Lhokseumawe City).” Diakses 18 Juni 2025. https://proceedings.unimal.ac.id/micolls/article/download/1161/887.
Hashimov, Elmar. “Qualitative Data Analysis: A Methods Sourcebook and The Coding Manual for Qualitative Researchers: Matthew B. Miles, A. Michael Huberman, and Johnny Saldaña. Thousand Oaks, CA: SAGE, 2014. 381 Pp. Johnny Saldaña. Thousand Oaks, CA: SAGE, 2013. 303 Pp.” Technical Communication Quarterly 24, no. 1 (2 Januari 2015): 109–12. https://doi.org/10.1080/10572252.2015.975966.
Haspada, Deny. “Legal Analysis of Abuse of Conditions in Banking Credit Agreements in Indonesia: Implications for International Consumer Protection.” Cogent Social Sciences 11, no. 1 (31 Desember 2025): 2492837. https://doi.org/10.1080/23311886.2025.2492837.
Hendawi, Manal, Ghadah Al Murshidi, Asrori Asrori, Muhammad Fazlurrahman Hadi, Miftachul Huda, dan Terence Lovat. “The development of Islamic education curriculum from the Quranic perspective.” Ar-Fachruddin: Journal of Islamic Education 1, no. 2 (2024): 93–123.
“HUKUM BUNGA (INTEREST/FA’IDAH).” Diakses 18 Juni 2025. https://mui.or.id/baca/fatwa/hukum-bunga-interestfaidah.
“Ini Fatwa Terbaru DSN-MUI tentang Uang Elektronik dan Layanan Pembiayaan Berbasis IT – Majelis Ulama Indonesia.” Diakses 18 Juni 2025. https://mirror.mui.or.id/berita/11352/ini-fatwa-terbaru-dsn-mui-tentang-uang-elektronik-dan-layanan-pembiayaan-berbasis-it/.
Jawaid, Syed Tehseen, Almas Saleem, dan Ilma Sharif. “Antecedents of Islamic credit card adoption in Pakistan: an empirical study based on the decomposed theory of planned behavior.” Journal of Islamic Marketing 15, no. 8 (2024): 1942–1964.
Karimuddin, Karimuddin, Muhammad Haeqal, Rahmad Efendi, Marhadi Marhadi, dan Ahmad Rezy Meidina. “Bank Interest in the Contemporary Era: Problem of Ad’afan Muda’afah Interpretation in Determining Law of Usury.” MILRev: Metro Islamic Law Review 3, no. 1 (2024): 43–65.
Kusnaedy, Dina, dan Reni Budi Setianingrum. “Legal Construction and Dispute Resolution of Non-Payment Debtors in Paylater Shopee.” Law Research Review Quarterly 10, no. 1 (2024). https://journal.unnes.ac.id/journals/snh/article/view/8082.
Meidi, Ganang. “The Phenomenon of Using Shopeepaylater in Tanjung Village Reviewed in the Perspective of Sharia Economic Law.” Dalam International Conference on Islamic Economics (ICIE), 1:1291–1301, 2024. https://proceeding.uingusdur.ac.id/index.php/icie/article/view/1586.
Mohammed Naseer, C. T. “Influence of impulse buying behaviour of women consumers in Kerala.” PhD Thesis, Department of Commerce MES Keveeyam College, Valanchery, University of Calicut, 2024. http://scholar.uoc.ac.in/handle/20.500.12818/2411.
Muhit, Mugni, Sofyan Al-Hakim UIN, dan Iwan Setiawan. “Flexibility of Al-Ijarah Contract Perspective of Islamic Economic Law.” al-Afkar, Journal For Islamic Studies 7, no. 1 (2024): 762–787.
MUNICIPALITY, GEORGE. “CUSTOMER CARE, CREDIT CONTROL AND DEBT COLLECTION POLICY 2024/25.” POLICY, 2024, 25.
Ozuna, Edna, dan Lena Steinhoff. “‘Look me in the eye, customer’: How do face-to-face interactions in peer-to-peer sharing economy services affect customers’ misbehavior concealment intentions?” Journal of Business Research 177 (2024): 114582.
Putro, Dimas Handoyo, Mulawarman Hannase Nurwahidin, Muhammad Cholil Nafis, Nur Fatwa, dan Mohammad Izdiyan Muttaqin. “Contextualization of Ushul Fiqh in Muamalah and Modern Banking: Sharia Solutions in the Global Economic System,” 2024. https://www.researchgate.net/profile/Dimas-Putro-6/publication/387021760_Contextualization_of_Ushul_Fiqh_in_Muamalah_and_Modern_Banking_Sharia_Solutions_in_the_Global_Economic_System/links/675c51c92547a96a92304f1c/Contextualization-of-Ushul-Fiqh-in-Muamalah-and-Modern-Banking-Sharia-Solutions-in-the-Global-Economic-System.pdf.
Rafaheh, Nur Raqibah. “Smart Contracts and the Possibility of Gharar.” iEco| Islamic Economics Journal 2, no. 1 (2024): 60–84.
Roszko-Wójtowicz, Elżbieta, Gagan Deep Sharma, Barbara Dańska-Borsiak, dan Maria M. Grzelak. “Innovation-driven e-commerce growth in the EU: An empirical study of the propensity for online purchases and sustainable consumption.” Sustainability 16, no. 4 (2024): 1563.
Shomad, Rohmatun, dan Salma Mansur. “Critical Review of Spaylater Practices of LPI Educators. Darul Ulum Banyuanyar Putri Maqasid Dain Jasser Auda Perspective.” Amkop Management Accounting Review (AMAR) 5, no. 1 (2025): 232–249.
Sudiarti, Sri. “Fiqh muamalah kontemporer,” 2018. http://repository.uinsu.ac.id/5517/12/Repositori%20Fiqh%20Muamalah%20Kontemporer.pdf.
Team, DailySocial. “RISE by DailySocial | DailySocial Team | Substack,” 16 Juni 2025. https://dailysocial.id/.
Yahya, Muhammad Tahir, dan Ismail Danjuma Yusuf. “APPROACHES TO REFORM OR RENEWAL (TAJDῙD) OF USUL FIQH (ISLAMIC LAW OF JURISPRUDENCE).” Fountain University Law Journal 1, no. 2 (2024): 220–234.DOI: https://doi.org/10.24952/multidisipliner.v12i1.15182
Refbacks
- There are currently no refbacks.
Copyright (c) 2025 Ai Samrotul Fauziah
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
View My Stats
Editorial Office:
Pascasarjana UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan;
Jl. T. Rizal Nurdin Km. 4,5 Sihitang 22733 Padangsidimpuan, North Sumatera, Indonesian.
Phone: (+62) 634 22080 Faximili: (+62) 634 24022 e-mail: studimultidisipliner01@gmail.com
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.