Analisis Konsep Akad Qardh Pada Shopee Paylater Dalam Pandangan Ekonomi Islam

Sekar Widyamada Pitaloka, Syavina Nadhira Lubis, Marliyah M, Halimatussakdiyah H

Abstract


This research has the title "Analysis of the Concept of Qardh Contracts on Shopee Paylater from an Islamic Economic View". This research aims to find out how Islamic economics views the Shopee PayLater transactions used by its users. The method used is a qualitative approach with a descriptive approach. The data obtained is secondary data found from library materials in the form of books, journals and library materials. Based on the results of this research, it can be concluded. From the research that has been carried out, it can be concluded that if we look at it from an Islamic economic perspective on buying and selling practices in Qardh contracts, it can be said that Shopee Paylater does not conflict with the law of buying and selling. However, if you look at the payment system used by Shopee Paylater, it contains an element of usury because Shopee Paylater users receive fines if they do not pay according to the specified time (due date). And according to the MUI the minimum interest rate that must be charged is 2.95%, Shopee Paylater is not in accordance with sharia principles because the multiplied installments exceed 2.95%. Obviously this is included in the element of usury.


Keywords


Qardh Agreement, Shopee Paylater, Economy

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References


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DOI: https://doi.org/10.5281/zenodo.11658456

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Journal of Sharia Economics Scholar (JoSES)

ISSN : 2302-6219