Analisis Hukum Islam terhadap Pemberian Jasa Gesek Tunai Menggunakan Shopeepaylater
Authors: Winda Fadilah Juliana Devi  , Iwan Permana  , Liza Dzulhijjah  
Published: October 2024

Abstract. The development of e-commerce in Indonesia has changed the payment system from cash to digital systems such as bank transfers, virtual accounts, and e-wallets. Nonetheless, cash payment remains relevant, especially with the Cash On Delivery option. Since 2018, paylater payment methods have been introduced by e-commerce, including ShopeePaylater. This method allows people to use their ShopeePaylater balance, which is often cashed out into cash, triggering consumptive behavior. ShopeePaylater allows users to shop with a balance and pay in the following month.This study aims to examine the practice of cash swipe service transactions using ShopeePaylater on ruang.ketap accounts and the analysis of Islamic law on these transactions. This research uses qualitative methods with data collection techniques through observation, interviews, and documentation. The data was analyzed by data reduction, data presentation, and conclusion drawing. The results showed that the practice of cash swipe services at ShopeePaylater involves Ijarah and Qardh contracts that are in accordance with the pillars and conditions. However, the sale and purchase transaction in the cash swipe service for disbursing the Shopeepaylater limit does not meet the correct conditions, because it involves engineering the purchase of goods or Bai' Najasy, which is considered manipulation and fraud. Akad in the analysis of Islamic law involves Ijarah and Qardh between users and service providers as well as transactions with Shopee.
Abstrak. Perkembangan e-commerce di Indonesia telah mengubah sistem pembayaran dari yang semula menggunakan uang tunai menjadi sistem digital seperti transfer bank, virtual account, dan e-wallet. Meskipun demikian, pembayaran tunai tetap relevan, terutama dengan adanya opsi Cash On Delivery. Sejak tahun 2018, metode pembayaran paylater diperkenalkan oleh e-commerce, termasuk ShopeePaylater. Metode ini memungkinkan masyarakat untuk menggunakan saldo ShopeePaylater, yang sering dicairkan menjadi uang tunai, memicu perilaku konsumtif. ShopeePaylater memungkinkan pengguna berbelanja dengan saldo dan membayar di bulan berikutnya. Penelitian ini bertujuan untuk mengkaji praktik transaksi jasa gesek tunai menggunakan ShopeePaylater pada akun ruang.ketigap dan analisis hukum Islam terhadap transaksi tersebut. Penelitian ini menggunakan metode kualitatif dengan teknik pengumpulan data melalui observasi, wawancara, dan dokumentasi. Data dianalisis dengan reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa praktik jasa gesek tunai pada Shopeepaylater melibatkan akad Ijarah dan Qardh yang sesuai rukun dan syarat. Namun, transaksi jual beli dalam jasa gesek tunai untuk pencairan limit ShopeePaylater tidak memenuhi syarat yang benar, karena melibatkan rekayasa pembelian barang atau Bai’ Najasy, yang dianggap manipulasi dan penipuan. Akad dalam analisis hukum Islam melibatkan Ijarah dan Qardh antara pengguna dan penyedia jasa serta transaksi dengan Shopee.