Pinjaman Online Lazada Paylater Perspektif Fatwa DSN–MUI Nomor 116/DSN-MUI/IX/2017 Tentang Uang Elektronik Syariah

Abstract

Lazada Paylater is an online loan feature on the Lazada marketplace that is used for online shopping where payments can be made in installments. This study will examine how the law of using Lazada paylater online loans from the perspective of DSN-MUI Fatwa Number 116/DSN-MUI/IX/2017 concerning sharia electronic money. This research uses the type of field research (field research). The data collection techniques in this study used observation, interview, and documentation techniques. The results of this study can be concluded that the perspective of Fatwa DSN-MUI Number 116/DSN-MUI/IX/2017 on sharia electronic money on the practice of using Lazada paylater online loans on the Lazada marketplace that these loans are not allowed, because there are elements of usury that clearly violate sharia principles. First, there are additions to the principal money that must be paid in monthly installment payments, these additions include interest which is prohibited. Second, there is an additional fee on late fees so that it is a type of usury of jahiliyah. Third, giving a maturity time that is not in accordance with the contract.