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Analisis AKad Bai" Taqsith Terhadap Fitur Kredit Bunga Nol Persen Shopee Paylater

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"Objective : This study aims to analyze the permissibility of zero percent interest
credit products offered in the paylater service of the online shopping site Shopee
Indonesia from the perspective of sharia economic law. Interest-free credit
products, which are often promoted as a more affordable financing alternative,
attract the attention of many consumers, but in the context of sharia economics,
the existence of such products must be considered carefully regarding sharia
principles that prohibit the practice of usury (interest).
Method : This study uses a qualitative approach by analyzing legal provisions in
sharia economics or fiqh muamalah, and evaluating whether zero percent interest
credit products meet applicable sharia principles. Data were collected through
literature studies, interviews with sharia economic experts, and analysis of the
product scheme from Shopee Paylater.
Result : The results of the study show that although the offering of this product
seems to not involve usury (zero percent interest), this is not necessarily a
sufficient benchmark to say that this product is halal. It may be that within the
agreed period if there are no obstacles in payment then there is no interest charge
initially, but this becomes invalid if the consumer is late in paying off the
installments, there will still be a fine or whatever the name it is called. Taking
risk with the mindset that says it is very possible to pay off on time because of
sufficient work and salary or others, is also not justified because it seems to
precede the destiny that has been determined by Allah Ta'ala. Therefore, even
though it is written that the interest is zero percent, Muslim consumers must be
vigilant and wise in considering whether this kind of product, whether Shopee or
other platforms, is halal or not. This study aims to contribute towards society in
order to increase their sharia financial literacy, especially considering the rise"

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Availability

Detail Information

Series Title

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Call Number

REF 346.08 SAM a

Publisher

Bogor : Universitas Islam Tazkia., 2025

Collation

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Language

Indonesia

ISBN/ISSN

NIM.2110204017

Classification

346.08

Content Type

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Media Type

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Carrier Type

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Edition

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Subject(s)

Sharia Economic Law
shopee paylater
Zero Percent Interst Credit

Specific Detail Info

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Statement of Responsibility

Muhammad Hegi Samudra

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