Analysis of Shopee PayLater Late Payment Penalty Practices on the Shopee Marketplace from the Perspective of DSN-MUI Fatwa No. 17/DSN-MUI/IX/2000

Ariyan Dwi Wibowo; Ani Mardiantari

doi:10.31943/afkarjournal.v9i3.3429

Authors

Ariyan Dwi Wibowo Program Studi Hukum Ekonomi Syariah, Universitas Ma’arif Lampung
Ani Mardiantari Program Studi Hukum Ekonomi Syariah, Universitas Ma’arif Lampung

DOI:

https://doi.org/10.31943/afkarjournal.v9i3.3429

Keywords:

Late Payment, Shopee PayLater, Fatwa DSN-MUI, Fintech

Abstract

The rapid growth of buy now pay later (BNPL) services within the e-commerce ecosystem has generated normative issues from the perspective of Islamic economic law, particularly concerning the imposition of late payment penalties and their conformity with the principles of justice and the prohibition of additional charges on debt. This study aims to examine the practice of late payment penalties in the Shopee PayLater service and to evaluate its compliance with Fatwa DSN-MUI No. 17/DSN-MUI/IX/2000 issued by the Dewan Syariah Nasional Majelis Ulama Indonesia. This research adopts a qualitative field research design. Primary data were collected through semi-structured interviews with ten users who had experienced late payments, supported by observation and documentation. The data were analyzed using an interactive model consisting of data reduction, data display, and conclusion drawing. To ensure credibility and validity, source and technique triangulation were applied. The findings show that late payment penalties are imposed automatically by the system without assessing users’ financial capacity and without transparency regarding the allocation of penalty funds. As a result, the practice does not fully comply with the principle of ta‘zir, which permits sanctions only for financially capable debtors who deliberately delay payment and requires that the collected funds be allocated for social purposes. Therefore, reconstruction of fintech sanction mechanisms is necessary to align with justice and public welfare principles.

Downloads

Download data is not yet available.

References

Achmad Nazhorie, Anto Apriyanto. 2025. “Analisis Penerapan Ta’zir Dan Ta’widh Relevansinya Pada Penggunaan Dana Denda Nasabah (Studi Kasus Pada Pt. Bprs Riyal Irsyadi Bekasi)” 6 (2): 109–23.

Al- Quran. N.D. Al-Baqoroh Ayat 280.

Arief, Yoyok Suyoto, Mohamad Andi, And Syamsul Maula. 2023. “Implementasi Pembayaran Denda Angsuran Keterlambatan Pembiayaan Murabahah Di Perbankan Syariah ( Ditinjau Dari Fatwa” 9 (17): 1227–36.

Ariyan Dwi Wibowo. 2026. “Denda Keterlambatan Shopee PayLater.” Purwosari,Kec.Metro Utara Kota Metro: Wawancara Pribadi.

Hasan, Sawqi Saad El. 2025. “Drivers Of Buy Now Pay Later (Bnpl) Adoption In Emerging Markets: A Qualitative Exploration Of Shopee Paylater Users In Bogor City, Indonesia” 2 (1): 48–54.

Irfan Harmoko, Se.I, Mm. 2019. “Analisis Penerapan Denda Keterlambatan Pembayaran Angsuran Dalam Akad Pembiayaan Murabahah Di Bank Syariah (Berdasarkan Fatwa.”

Ismail, Indriani H. 2024. “Metode Penelitian Kualitatif,” No. November.

Jami‘ Al-Bayan. N.D. Al-Tabrari.

Khomayny, Muchlish, Muhammad Wahyuddin Badullah, Universitas Islam, Negeri Alauddin, Eksistensi Bisnis, And Business Existence. 2020. “Perlakuan Denda Pembiayaan Berbasis Konsep Al-Adl Dalam Menjaga Eksistensi Bisnis Bank Syariah” 6:91–103. Https://Doi.Org/10.24252/Iqtisaduna.V6i2.18117.

Miftahul ‘Ilmi Marbun, Novien Rialdy. 2024. “Konsep Shopee Pay-Later Dalam Sudut Pandang Manajemen Bisnis Islam” 1 (2): 0–5.

Munawarsyah. 2024. “Transaksi Paylater Pada Aplikasi Shopee Memenuhi Prinsip-Prinsip Syariah . Yang Dikenakan Jika Pembayaran Terlambat , Ketidakpastian Dalam Syarat Dan Pada Keadilan , Transparansi , Dan Larangan Terhadap Praktik Riba , Gharar , Dan Ekonomi Syariah Akan Dig” 02 (02): 89–102.

Murdavutri, Beby. 2025. “Tanggung Jawab Pengguna Shopee Tunda Bayar ( Paylater ) Yang Melakukan Wanprestasi ( Studi Penelitian Di Kota Lhokseumawe )” Viii.

Musanna, Khadijatul. N.D. “Praktik Kredit Era Kontemporer Menurut Pandangan Ulama Fikih Klasik” 14 (1).

Ningsih, Maya Kristia, Abdul Wahab, And Abd Muhaimin. 2023. “Implementasi Fatwa Dsn-Mui No. 17 Pada Pembayaran Angsuran Pembiayaan Kepemilikan Rumah Menggunakan Akad Murabahah Di Bank Syariah Indonesia Jakarta Pusat Maya” 7 (2): 47–66.

Pratika, Yeyen, Dicky Wisnu, Usdek Riyanto, And Titiek Ambarwati. 2021. “Analysis Of Pay Later Payment System On Online Shopping In Indonesia” 23 (3): 329–39. Https://Doi.Org/10.14414/Jebav.V23i3.2343.

Putri Nurhayati, Ani Mardiantari, Dedi Setiawan. 2021. “Implementasi Pendanaan Akad Musyarakah Melalui Fintech Syariah (Studi Kasus Pt Ammana Fintech Syariah)” 4 (1).

Ramandini, Nurul, Hikmah Dzil Hijjah, And Arsalan Bintang Romadi. 2025. “Inovasi Layanan Keuangan Digital (Fintech) Sebagai Pendukung Pertumbuhan E- Commerce : Kajian Literatur” 1 (2): 97–110.

Shopee. N.D. “Https://Shopeepay.Co.Id/Blog/Spaylater?Utm_Source.”

Subagja, Asep Zamzam. 2023. “Tinjauan Shopee PayLater Dalam Perspektif Hukum Ekonomi Syariah : Studi Fenomenologi Di Kota Bekasi” 15 (01): 52–63.

Suhandoyo, Abdurrahman. 2023. “Dampak Keterlambatan Pembayaran Pengguna Shopee Paylater Dalam Akad Qardh” 3 (1): 65–74.

Uswatun Hasanah, Delli Ridha Hayati. 2020. “Crowdfunding Sebagai Inovasi Wakaf Uang Dengan,” 43–56.

Wahidullah, Fitriyani. 2024. “Penerapan Sanksi Bagi Nasabah Di Bsi Kcp Jepara 1 Perspektif Fatwa Dsn Mui No . 17 / Dsn-Mui / Ix / 2000 Tentang Sanksi Atas Nasabah,” No. July.

Wati, Ai, And Sri Hayati. 2023. “Analisis Hukum Ekonomi Syariah Dalam Transaksi Paylater Pada Aplikasi Shopee,” No. C, 1–12.