Pandangan Ekonomi Islam terhadap Sikap Konsumerisme Akibat Metode Pembayaran Tunda Bayar (PayLater)

Maulida, Dian Maya

doi:10.23971/tf.v5i2.2980

Cited by 6 publications

(8 citation statements)

References 15 publications

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“…Kemampuan untuk mengajukan pinjaman dan mendapatkan dana dengan cepat tanpa proses yang rumit menjadi magnet bagi masyarakat yang membutuhkan dana dalam waktu singkat. Selain itu, persyaratan yang lebih fleksibel membuat layanan ini lebih terbuka bagi individu dengan keterbatasan akses terhadap lembaga keuangan formal atau yang tidak memenuhi syarat untuk mendapatkan pinjaman dari lembaga keuangan tradisional (Maulida, 2021).…”

Section: Hasil Penelitian Dan Pembahasan Pola Peminjaman Melalui Pinj...unclassified

Dampak Sosial Ekonomi Pinjaman Online di Palangkaraya: Kajian Terhadap Pola Peminjaman dan Pengaruhnya terhadap Masyarakat

Dopin,

Setiawan,

Renopasi

et al. 2024

blnc

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This study aims to assess the socio-economic impacts of online lending in palangkaraya. Focusing in lending patterns and their implications for the community. The research merhod use was a qualitative approach through interviews with a number of respondents who have used online lending services. The results show that the dominant pattern of borrowing is influenced by urgent needs, but the high interest rate of this service increases the financial risk for individuals. There are also indications of changes in consumption patterns, with some respondents having difficulty repaying loans leading to a sacrifice of long-term financial balance. The implication is the potential for local economic growth to be stunted and quality of life to suffer as a result of the growing financial burden on the people of palangkaraya

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Section: Hasil Penelitian Dan Pembahasan Pola Peminjaman Melalui Pinj...unclassified

Dampak Sosial Ekonomi Pinjaman Online di Palangkaraya: Kajian Terhadap Pola Peminjaman dan Pengaruhnya terhadap Masyarakat

Dopin,

Setiawan,

Renopasi

et al. 2024

blnc

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“…Dan pada dasarnya konsumsi dalam Islam terbagi kepada dua hal yaitu pertama kebutuhan (hajat) dan yang kedua kegunaan (manfaat). Seseorang yang berpikir secara rasional akan melakukan konsumsi jika dia membutuhkan serta terdapat manfaat dari barang yang dibelinya, sehingga dalam prespektif Ekonomi Islam keduanya merupakan unsur yang erat kaitannya dengan konsumsi dan menjadi bagian dari karakteristik konsumsi itu sendiri (Maulida, 2021).…”

Section: Kesimpulanunclassified

The Effect of Financial Literacy and Paylater Payment System on Student Consumptive Behavior in Ciamis Regency in Sharia Economic Perspective

Maulida

Munandar

Nurochani

2023

Journal of Education Technology Information Social Sciences and

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Financial literacy is a knowledge that everyone should know and understand, not just to manage income but to manage their finances well. More and more e-commerce that provide various kinds of payment systems, for example paylater, this is also a reason that someone must understand financial literacy. Students are synonymous with life that follows trends and likes to shop online which in turn causes consumptive behavior because they do not know how to manage finances properly. Therefore, financial literacy is essential for students when facing individual or group financial problems, but its implementation in everyday life will be even better. From this background, this research was conducted with the title "The Influence of Financial Literacy and the Paylater Payment System on Consumptive Behavior of Students in Ciamis Regency in the Perspective of Sharia Economics". This study used quantitative research methods and for primary data collection, data collection techniques were carried out by distributing Google form questionnaires and this study also used purposive sampling as a sampling method so that 100 samples were found, namely students in Ciamis Regency with data analysis using multiple linear regression. The purpose of this research is to find out the effect of financial literacy and the paylater payment system on the consumptive behavior of students in Ciamis Regency in the perspective of Islamic Economics. The results of this study show that the results of the T-test variable financial literacy partially have a negative and significant effect on consumptive behavior (Y) of students in Ciamis Regency, the results of tcount -2.236 and ttable 1.984 means that tcount ttable with a significance of 0.028 0.05. The results of the T-test of the paylater payment system partially have a positive and significant effect on student consumptive behavior, the results of tcount 3.116 and ttable 1.984 mean that tcount ttable with a significance of 0.02 0.05. While the F test obtained Fcount of 8,135 and Ftable of 3.09 meaning that Fcount Ftable with a significance of 0.00 0.05 so the variables of financial literacy and the paylater payment system simultaneously have a positive and significant effect on the consumptive behavior of students in Ciamis Regency

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“…Tambahan cicilan pada Shopee termasuk riba karena tidak sesuai dengan syariat Islam dan Fatwa MUI. Adanya biaya tambahan dalam pinjaman termasuk riba (Maulida, 2021). Termasuk denda dalam jatuh tempo tersebut termasuk riba karena termasuk dalam biaya tambahan.…”

Section: ) Ijab Dan Qabulunclassified

Jasa Gestun Shopee Paylater Sistem Barcode Di E-Commerce Marketplace Shopee Perspektif Ekonomi Syari’ah

Indah,

Mahfudz

2023

jkep

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The existence of Shopee Paylater is a form of development in the world of technology that makes it easy for everyone to shop from anywhere and at any time through the Shopee Paylater marketplace. The limit provided at Shopee Paylater also makes it easier for buyers who don't have money to use the existing limit on Shopee Paylater, which ranges from 750,000 to tens of millions. The system implemented in Shopee Pay later is buy now pay later. However, as time went on, many did not follow the existing regulations at Shopee Paylater with the emergence of a cash swipe service or commonly called a gestun which was used to withdraw the existing limit on Shopee Paylater. Actions like this clearly violate the regulations in the Shopee application itself. The purpose of this study is to find out whether the Shopee Paylater gesture service is in accordance with the principles of the Shari'ah Economy. The method used in this study is a descriptive qualitative method in which the researcher describes how the practice of gestune barcode services on Shopee Paylater and a review of Islamic law is in accordance with the principles of shari'ah. The results of this study are that the practice of gestune services is not allowed because it has violated the rules in the Shopee Paylater marketplace. From the point of view of Islamic law, withdrawing the limit on e-money is one of the conditions if you want to use e-money. However, in terms of liquidating the limit on Shopee Paylater it is not allowed because it has clearly violated the regulations in the Shopee marketplace.

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Pandangan Ekonomi Islam terhadap Sikap Konsumerisme Akibat Metode Pembayaran Tunda Bayar (PayLater)

Cited by 6 publications

References 15 publications

Dampak Sosial Ekonomi Pinjaman Online di Palangkaraya: Kajian Terhadap Pola Peminjaman dan Pengaruhnya terhadap Masyarakat

Dampak Sosial Ekonomi Pinjaman Online di Palangkaraya: Kajian Terhadap Pola Peminjaman dan Pengaruhnya terhadap Masyarakat

The Effect of Financial Literacy and Paylater Payment System on Student Consumptive Behavior in Ciamis Regency in Sharia Economic Perspective

Jasa Gestun Shopee Paylater Sistem Barcode Di E-Commerce Marketplace Shopee Perspektif Ekonomi Syari’ah

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