ANALISIS FIQIH MUAMALAH TERHADAP PENERAPAN AKAD PADA FITUR SHOPEE PAYLATER

Abstract

This study aims to analyze the application of contracts in the Shopee PayLater feature from the perspective of fiqh muamalah, and to identify its compliance with Islamic sharia principles, particularly regarding the qardh contract and the prohibition of riba. This research employs a qualitative approach with a library research type and a normative-juridical approach. Primary data sources include the Qur'an, Hadith, fiqh muamalah books, as well as DSN-MUI Fatwa No. 19/DSN-MUI/IV/2001 concerning Al-Qardh. The results show that the contract used in Shopee PayLater tends to be a qardh contract, but is accompanied by additional conditions in the form of installment interest that benefits the service provider, thus deviating from the provisions of a valid qardh contract. The installment interest determined at the beginning of the contract falls into the category of riba qardh, while the 5% late fee falls into the category of riba jahiliyah that does not comply with the provisions of the DSN-MUI Fatwa. Structurally, Shopee PayLater is not fully in accordance with the principles of fiqh muamalah because it contains elements of riba, does not fulfill the principle of justice, and lacks transparency in cost details. Exceptions apply to users who choose the full payment 1-month tenor and settle their obligations on time because no additional costs are charged.

 Keywords: Shopee PayLater, Fiqh Muamalah, Qardh Contract