TINJAUAN PENGGUNAAN E-VOUCHER PADA SISTEM PEMBAYARAN PAY-LATER DALAM PERSPEKTIF FIKIH MUAMALAH KONTEMPORER

Nuraini Salsabila, Silfi Dahliya, Rivany Rida Firdaus

Abstract


Currently, the use of the marketplace as an online shopping site is not a new thing.  Effortless and varied payment systems make people turn to online shopping applications to buy their daily needs.  Not to mention that recently there was a pay later payment system with the advantage of using this system, one of which was being able to use discount vouchers or free shipping.  Thus, this article was created to discuss the law on the use of e-vouchers in pay later payment systems in online shopping transactions based on Islamic law and principles in a review of muamalah fiqh, especially in contemporary muamalah fiqh.  The research method used in this article is a qualitative research method by collecting and analyzing secondary data in the form of journals, articles, books, mass media related to the research.  The results of the discussion show that in the perspective of Islamic law, the use of vouchers for payment later is considered not under Islamic law.  This pay-later transaction uses an al-qardh contract (debt receivable) where the user will borrow the money first and pay it at the end of the month, although it is helpful due to additional fees or fines, it causes the implementation of paying later to become usury.  Thus, the use of vouchers in pay-later payments is included in usury nasi'ah because of the benefits obtained in the transaction and there is an additional loan principal if late payments.


Keywords


Voucher, Pay-later, Fiqh, Muamalah, Contemporary

Full Text:

PDF

References


Cahyadi, O. E. (2021). ( PAYLATER ) DALAM TRANSAKSI E-COMMERCE PADA APLIKASI PANDANGAN HUKUM ISLAM TERHADAP TUNDA BAYAR ( PAYLATER ) DALAM TRANSAKSI E-COMMERCE PADA APLIKASI.

Drs. Harun, M. H. (2017). Fiqh Muamalah. Muhammadiyah University Press.

Firdaus, A. (2021). TINJAUAN FATWA DSN-MUI TERHADAP PRAKTIK JUAL BELI ONLINE MENGGUNAKAN METODE PEMBAYARAN SHOPEEPAYLATER PADA MARKETPLACE SHOPEE.

Harahap, D. A. (2018). Perilaku Belanja Online Di Indonesia: Studi Kasus. JRMSI - Jurnal Riset Manajemen Sains Indonesia, 9(2), 193–213. https://doi.org/10.21009/jrmsi.009.2.02

Husain, S. A. (2021). OPTIMALISASI PERAN BANK SYARIAH DALAM MENGEMBANGKAN INDUSTRI HALAL DI INDONESIA MELALUI SINERGI KELEMBAGAAN. 6(September), 303–310.

Kementerian Agama RI. (2021). Qur’an KEMENAG. https://quran.kemenag.go.id/

Muhammad Abduh Tuasikal, M. S. (n.d.). Riba dalam e-wallet, dompet digital (Go Pay, OVO, dkk). Rumaysho.Com. https://rumaysho.com/25681-riba-dalam-e-wallet-dompet-digital-go-pay-ovo-dkk.html

Muhammad Abduh Tuasikal, M. S. (2017). Kaedah Umum dalam Memahami Riba. Rumaysho.Com. https://rumaysho.com/15201-kaedah-umum-dalam-memahami-riba.html

Panji Adam, S.Sy., M. . (2021). Fikih Muamalah Kontemporer (I). Intelegensia Media.

Prastiwi, I. E., & Fitria, T. N. (2021). Konsep Paylater Online Shopping dalam Pandangan Ekonomi Islam. 7(01), 425–432.

Prof.Dr.A.Muri Yusuf, M. P. (2014). Metode Penelitian Kuantitatif, Kualitatif, dan Penelitian Gabungan. KENCANA.

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

Rohmaniyah, W. (2019). FIQIH MUAMALAH KONTEMPORER. Duta Media Publishing. https://books.google.co.id/books?hl=id&lr=&id=47j8DwAAQBAJ&oi=fnd&pg=PA1&dq=pengertian+fiqih+muamalah+kontemporer&ots=KpNMM1KOIj&sig=646KQDB-h4CrRt54_uyVgzShp5A&redir_esc=y#v=onepage&q=pengertian fiqih muamalah kontemporer&f=false

Taufiqur Rahman, S.HI., M. E. I. (2021). Buku Ajar Fiqih Muamalah Kontemporer (I). Academia Publications. https://books.google.co.id/books?hl=id&lr=&id=inU8EAAAQBAJ&oi=fnd&pg=PA1&dq=pengertian+fiqih+muamalah+kontemporer&ots=1wHnFmNroN&sig=mj70nab6X5Ttc2AqCjksPhFy4Xs&redir_esc=y#v=onepage&q=pengertian fiqih muamalah kontemporer&f=false

Tho’in, M. (2016). LARANGAN RIBA DALAM TEKS DAN KONTEKS (Studi Atas Hadits Riwayat Muslim Tentang Pelaknatan Riba). 02(02), 63–72.

Ustadz Fadly Gugul, S. A. g. (2020). Hukum Gratis Ongkir dan Cashback dari Marketplace Dalam Islam. Bimbingan Islam. https://bimbinganislam.com/hukum-gratis-ongkir-dan-cashback-dari-marketplace-dalam-islam/




DOI: https://doi.org/10.37058/jes.v7i1.4338

Refbacks

  • There are currently no refbacks.


Journal index by:

   

 

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.Â