ISLAMIC FINANCIAL LITERACY: TINJAUAN KONSEP TRANSAKSI BUY NOW PAY LATER DALAM ISLAM

Abstrak

Semenjak adanya kehadiran layanan financial technology, masyarakat dapat leluasa bertransaksi, berinvestasi serta melakukan jual beli dalam hitungan detik tanpa dibatasi ruang dan waktu. Adapun salahsatu layanan financial technology yang kini populer digunakan oleh masyarakat yaitu layanan transaksi jual beli berbasis PayLater. PayLater merupakan metode transaksi pembayaran dimana pengguna dapat membeli barang maupun jasa dengan sistem angsuran dalam jangka waktu yang relatif panjang. Selain itu, syarat pengajuannya pun tergolong cepat dan mudah karena tidak serumit pengajuan sistem kredit sehingga tak heran jika fitur paylater ini dapat membius masyarakat khususnya yang memiliki kendala dana dalam bertransaksi jual beli. Namun jika ditinjau dari perspektif islam, penggunaan fitur paylater ini masih dipertanyakan keabsahannya. Oleh karena itu, bagi umat muslim penting untuk mengetahui serta memahami kesesuaian antara alur pembayaran paylater dengan syarat dan rukun jual beli akad qardh guna menghindari potensi kemudharatan dalam penggunaanya.

Since the presence of financial technology services, people can freely transact, invest and buy and sell in seconds without being limited by time and space. One of the financial technology services that is now popularly used by the public is the PayLater-based buying and selling transaction service. PayLater is a payment transaction method where users can buy goods and services with an instalment system in a relatively long period of time. In addition, the submission requirements are relatively fast and easy because it is not as complicated as applying for a credit system so it is not surprising that this paylater feature can sedate the public, especially those who have financial constraints in buying and selling transactions. However, when viewed from an Islamic perspective, the use of this paylater feature is still questionable. Therefore, it is important for Muslims to know and understand the suitability of the paylater payment flow with the terms and conditions of the qardh contract to avoid potential harm in its use..