Pengembangan Konseptual Model Pay Latter Syariah Dalam Perspektif Maqasid Syariah
DOI:
https://doi.org/10.37385/ceej.v7i2.11630Keywords:
Pay Later Syariah, Maqasid Syariah, Fintech, BNPL, Ekonomi SyariahAbstract
Penelitian ini bertujuan mengembangkan model konseptual pay later syariah dalam perspektif maqasid syariah sebagai alternatif terhadap sistem Buy Now Pay Later (BNPL) konvensional yang mengandung unsur riba, gharar, dan risiko perilaku konsumtif. Penelitian menggunakan metode library research dengan pendekatan deskriptif kualitatif melalui kajian jurnal, buku, fatwa DSN-MUI, dan berbagai publikasi ilmiah terkait fintech dan ekonomi syariah. Analisis data dilakukan menggunakan content analysis. Hasil penelitian menunjukkan bahwa pengembangan pay later syariah perlu menggunakan akad yang sesuai syariah seperti murabahah, bai’ bi tsaman ajil, ijarah, dan kafalah dengan sistem transaksi yang transparan dan bebas eksploitasi. Selain itu, diperlukan pengawasan syariah, perlindungan konsumen, dan edukasi literasi keuangan syariah agar sistem pembiayaan digital dapat menciptakan keadilan dan kemaslahatan masyarakat sesuai prinsip maqasid syariah.
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