An Analytical Study of Shopee Paylater from The Perspective of Fiqh Muamalah: Evaluating Its Mechanism and Proposing Sharia-Compliant Contract Alternatives
DOI:
https://doi.org/10.70904/Keywords:
Shopee PayLater, Riba, Fiqh MuamalahAbstract
Shopee PayLater is one of the most widely used Buy Now Pay Later services in Indonesia because it makes payments easier with an installment system. However, problems arise from the fixed interest rate of 2.95% per month and the 5% late fee, particularly concerning potential usury and its compatibility with the principles of fiqih muamalah. There are three main issues identified in this study focusing on the mechanism of Shopee PayLater as a BNPL service, the potential for elements of usury, and the regulation of late fees in the field of fiqih muamalah. This research aims to describe the mechanism of the Shopee PayLater service, analyze the potential for usury, and examine the legality of fines from a Sharia perspective. This research was conducted using a qualitative approach with a case study design. Data was obtained thru interviews with Shopee PayLater users and experts in fiqih muamalah, and was supported by analysis of official documents, DSN-MUI fatwas, OJK regulations, and relevant classical and contemporary fiqih literature. The research results indicate that Shopee PayLater resembles a qardh contract but with additions, where interest includes riba nasi'ah and fines include riba jahiliyyah, making it incompatible with fiqih muamalah. This research provides recommendations for drafting sharia-based BNPL regulations and restructuring contracts to align with Islamic principles.
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