Kajian Penggunaan Aplikasi Paylater Dalam Pandangan Maqashid Syariah

Abstract

Abstract

The payment system through the paylater application on various e-commerce platforms has recently grown rapidly in Indonesia. The Buy Now, Pay Later service feature allows consumers to buy goods on credit and pay for them later. The use of this application also needs to be studied from the perspective of maqashid sharia, whether it is in accordance with its principles which focus on protecting five main aspects,This study uses a literature review method, namely collecting relevant information or references for a particular topic. The results of this study explain that the use of paylater in maqashid sharia must be adjusted to the level of need: maslahat daruriyat for urgent needs, maslahat hajiyat to support comfort and maslahat tahsiniyat which should be avoided if only for a consumptive lifestyle. Purchases of goods and transactions using paylater must be in line with the principles of maqashid sharia so that they remain in accordance with Islamic values ​​and do not cause adverse financial impacts. Transactions via paylater are permitted (mubah) as long as they do not violate the law and sharia. However, in its implementation there is an additional handling fee of 1%, an additional bai' at-taqsith fee of 2.95% and a late fine of 5%. Meanwhile, the scholars categorize late fines as usury nasi'ah. Therefore, the use of paylater is considered to comply with the principles of maqashid sharia provided that its use takes into consideration financial policies and capabilities and does not violate the sharia and applicable regulations.

Keywords: Paylater, maqashid sharia, levels of need, riba nasi'ah

Abstrak

Sistem pembayaran melalui layanan paylater di berbagai platform e-commerce belakangan ini semakin berkembang pesat di Indonesia. Fitur layanan Buy Now, Pay Later memungkinkan para konsumen membeli barang secara kredit dan membayarnya di kemudian hari. Penggunaan layanan ini juga perlu dikaji dari sisi maqashid syariah, Penelitian ini menggunakan metode literature review, yaitu mengumpulkan informasi atau referensi yang relevan untuk topik tertentu. Hasil penelitian ini menjelaskan bahwa penggunaan paylater dalam maqashid syariah harus disesuaikan dengan tingkat kebutuhan: maslahat daruriyat untuk kebutuhan mendesak, maslahat hajiyat untuk menunjang kenyamanan dan maslahat tahsiniyat yang sebaiknya dihindari jika hanya untuk gaya hidup konsumtif. Pembelian barang dan transaksi menggunakan paylater harus selaras dengan prinsip maqashid syariah agar tetap sesuai dengan nilali-nilai Islam dan tidak menimbulkan dampak finansial yang merugikan. Transaksi melalui paylater diperbolehkan (mubah) asalkan tidak melanggar hukum dan syariat. Namun, dalam penerapannya dikenakan tambahan biaya penanganan 1%, tambahan biaya bai’ at-taqsith 2,95% dan denda keterlambatan 5%. Sedangkan denda keterlambatan, para ulama mengkategorikannya sebagai riba nasi’ah. Oleh karena itu, penggunaan paylater dianggap memenuhi prinsip maqashid syariah dengan syarat penggunaannya mempertimbangkan kebijaksanaan dan kemampuan finansial serta tidak melanggar syariat dan peraturan yang berlaku.

Kata kunci: maqashid syariah, tingkatan kebutuhan, Paylater,riba nasi’ah