Penerapan prinsip syari’ah dalam sistem pembayaran paylater
Abstract
The aim of this research is to examine usage practices, legal basis and prospects for implementing paylater from a Sharia perspective in Indonesia. The research method was carried out by reviewing literature from fatwas from the Indonesian Ulema Council and other regulators and studying documentation from paylater publishing companies. The results of this study show that technological developments have an impact on the online payment and lending process, including payment models such as "paylater" services. In practice, paylaters often adopt an installment model, but with the application of additional interest ranging from 0% to 2.95% per month, depending on the term determined by the service provider. From a sharia economic perspective, this kind of additional interest is considered not to meet the requirements of the qard contract and is considered a form of usury. Because there is an element of usury in the conventional paylater concept, there is a need to develop a paylater model that is in line with sharia principles. Even though in Indonesia there are no sharia paylater services available, PT. Ammana Fintek Syari'ah is the only entity that will soon launch sharia paylater services. This service will follow the guidelines set out in the MUI DSN Fatwa as well as regulations from the Financial Services Authority (OJK), and will offer paylater services with a sharia approach that involves bailout according to sharia provisions, without the application of additional interest, and without collateral requirements.
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