An Analysis of Shopee Pay Later Transactions Based on the Qard Theory

Arifah, Risma Nur (2022) An Analysis of Shopee Pay Later Transactions Based on the Qard Theory. International Journal of Academic Research in Business and Social Sciences, 12 (11). pp. 1453-1465. ISSN 2222-6990

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The Shopee application offers a 'pay later' payment mode known as Shopee Pay Later (SPL)
and features four payment options, which are buy first and pay the total price of the goods
purchased at a later date or payment made in installments over two, three or six months with
accompanying charges. This transaction raises the question of whether SPL complies with the
Qard Theory in fiqh muamalat. This is because qard is a loan that needs to be repaid to the
creditor without any additional payment or charges. Therefore, this study aimed to study the
'pay later' buying and selling method based on the Qard Theory. This qualitative study used
the document analysis method involving documents, such as books, articles, journals,
newspapers and so on as well as the Federal Territory Fatwa for examining the SPL method.
Data were then analyzed using the descriptive analysis method. Results of the study show
that the SPL method is not permitted in Islam because the charges involved are deemed to
be a form of usury (riba). This is because the 'pay later' method is not in accordance with the
Qard Theory in Islam. This study provides knowledge to Muslim Shopee users about payment
methods that are permitted and those that are prohibited in Islam.

Item Type: Journal Article
Keywords: Qard, Shopee, Pay Later, Interest
Subjects: 18 LAW AND LEGAL STUDIES > 1801 Law > 180105 Commercial and Contract Law
18 LAW AND LEGAL STUDIES > 1801 Law > 180106 Comparative Law
18 LAW AND LEGAL STUDIES > 1801 Law > 180127 Mu'amalah (Islamic Commercial & Contract Law) > 18012714 al-Qardh (Hutang-piutang)
Divisions: Faculty of Sharia and Law > Department of Sharia Business Law
Depositing User: Risma Nur Arifah
Date Deposited: 12 Apr 2023 10:49


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