The Legal Status of Using 'Paylater' Services from the Perspective of Islamic Jurisprudence on Transactions (Fiqh Muamalah) and Islamic Consumption Ethics
DOI:
https://doi.org/10.61166/ushulalhukm.v2i1.30Keywords:
Paylater, Fiqh Muamalah, Riba Nasi’ah, Consumption Ethics, Sharia MurabahahAbstract
This study analyzes the legal status of Paylater (BNPL) services from the perspective of Fiqh Muamalah and Islamic Consumption Ethics, and examines the gap between practice and Sharia principles. The research uses library research and analyzes questionnaires from 12 respondents (Gen Z & Millennials, 18–35 years old). Findings show conventional Paylater services, such as Shopee PayLater (66.7% of respondents), are haram according to the East Java MUI and DSN-MUI (Maskanah, 2025b) because they contain Riba Nasi’ah (interest/late payment fines of 2.95% per month and a 5% penalty), violating the principles of qardh hasan and bai’ taqsith. Although 91.7% understand that late fees constitute riba, ease of borrowing encourages israf and consumer debt, contradicting wasathiyah. Therefore, Paylater should be restructured using non-ribawi contracts (Murabahah Muajjal or Wakalah bi al-Ujrah Murni) with late payment fines allocated to charitable funds (ta’zir).
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