Abdullah Mustaqim's Maqasid-Based Exegetical Analysis of PayLater Practices and Maqasid al-Shari'ah
DOI:
https://doi.org/10.33511/alfanar.v9n2.147-162Keywords:
PayLater, maqasid-based exegesis, Abdullah Mustaqim, Islamic digital financeAbstract
This article examines PayLater practices through Abdullah Mustaqim's maqasid-based exegetical approach, focusing on their compatibility with the objectives of maqasid al-shari'ah in contemporary digital financial transactions. The study is motivated by the rapid growth of PayLater services and the ongoing debate regarding their conformity with Islamic ethical and legal principles. Employing a qualitative approach with content analysis as its primary method, the article utilizes the Quran and Abdullah Mustaqim's works on maqasid-based exegesis as primary sources. Secondary data are derived from the literature on maqasid al-shari'ah, fatwas issued by the National Sharia Council of the Indonesian Ulema Council, relevant regulations, and scholarly studies on PayLater services and Islamic economics. Data were collected through documentation and analyzed using the maqasid-based exegetical framework. The findings indicate that PayLater practices are permissible when they ensure contractual transparency, avoid riba, gharar, and maysir, and provide tangible benefits to users. Conversely, practices involving interest charges, exploitative penalties, and excessive consumerism contradict the objectives of maqasid al-shari'ah, particularly the protection of wealth (hifz al-mal). These findings demonstrate the relevance of maqasid-based exegesis in addressing contemporary financial issues and promoting Sharia-compliant digital financial practices.
References
Adhani, A. S. (2025). Systematic Literature Review (Slr): Fenomena Impulsive Buying Dalam Layanan Buy Now Pay Later (Bnpl) Shopee Dari Perspektif Ekonomi Syariah. Jurnal Ilmiah Edunomika, 9(4). https://doi.org/10.29040/jie.v9i4.18289
Aghisna, M., & Hasmiati, R. A. (2026). Perlindungan Hukum Terhadap Konsumen Dalam Perjanjian Paylater Pada E-Commerce Di Indonesia. Collegium Studiosum Journal, 9(1), 1–7. https://doi.org/10.56301/csj.v9i1.2299
Akem, U., Hamdan, N. M., Iskandar, M., Efendi, Y., & Halimahturrafiah, E. (2025). Digital Technology in Quranic Learning: Opportunities and Challenges. Journal of Quranic Teaching and Learning, 1(2), 49–64. https://joqer.intischolar.id/index.php/joqer/index
Al-Syathibi, A. I. (2003). Al-Muwafaqat fi Ushul al-Syari’ah. Dar al-Kutub al-’Ilmiyyah.
Al-Zuhayli, W. (2011). Al-Fiqh al-Islami wa Adillatuhu (Fiqh Islam wa Adillatuhu). Dar Al-Fikr.
Amtricia, A. (2022). Analisis Hukum Islam Terhadap Pinjaman Uang Elektronik. Jurnal Ekonomika Dan Bisnis Islam, Volume 5 N(2), 131–144. https://doi.org/10.26740/jekobi.v5n2.p131-144
Arianti, N., Arifin, M. Z., & Safitri, S. (2023). Transaksi Jual Beli Online Melalui Sistem Shopee Paylater Dalam Perspektif Hukum Ekonomi Syariah. Syar’ie : Jurnal Pemikiran Ekonomi Islam, 6(2), 111–127. https://doi.org/10.51476/syarie.v6i2.536
Arifah, S. M., Yuli, A., Yusrani, D., & Ichfan, D. H. (2025). Multi Akad dalam Transaksi Paylater: Tinjauan Maqashid Syari’ah terhadap Fatwa MUI dan Darul Ifta’ Mesir Serta Implikasinya Pada Preferensi Gen Z Muslim di Indonesia. Journal of Islamic Studies | Page, 05(1), 389–404. https://doi.org/10.54471/moderasi.v5i1.130
Chapra, M. U. (2008). The Islamic Vision of Development in the Light of. Islamic Research and Training Institute, 10, 1–55.
Cintya, P., & Nisa, F. L. (2024). Pandangan Proses Transaksi PayLater Terhadap Perilaku Konsumtif Dalam Prespektif Ekonomi Syariah. Jurnal Ilmiah Ekonomi, Manajemen, Bisnis Dan Akuntansi, 1(2), 152–162. https://doi.org/10.61722/jemba.v1i2.115
Creswell, J. W. (2018). Mixed methods procedures. In Research Design: Qualitative, Quantitative and Mixed Method Aproaches.
Dasrizal, D., Rambe, K. F., Sihombing, C. D., Khalid, E., & Safitri, D. A. (2025). Distortion of Quranic Interpretation on Social Media: An Analysis of the Spread of Misleading Meanings. Journal of Quranic Teaching and Learning, 1(2), 65–82. https://joqer.intischolar.id/index.php/joqer/article/view/8
Desky, H., Asiah, N., & Savitri, A. (2025). A Model of Sharia Educational Management: Advancing Sustainable Islamic Financial Inclusion. International Journal of Scientific Research and Management (IJSRM), 13(05), 8995–9001. https://doi.org/10.18535/ijsrm/v13i05.em08
Engkizar, E., Jaafar, A., Alias, M. F. Bin, Guspita, R., & Albizar, A. (2025). Utilisation of Artificial Intelligence in Quranic Learning: Innovation or Threat? Journal of Quranic Teaching and Learning, 1(2), 1–17. https://doi.org/10.67055/8170mw54
Engkizar, E., Jaafar, A., Hamzah, M. I., Syafril, S., Ediz, M. H., Efendi, E., Ridha, A., Febriani, A., & Oktavia, G. (2026). Tartil Method as an Effective Pedagogical Approach for Enhancing Students’ Interest in Quranic Learning. International Journal of Multidisciplinary Research of Higher Education (IJMURHICA, 9(1), 253–267. https://doi.org/10.24036/ijmurhica.v9i1.637
Engkizar, E., Jaafar, A., Hamzah, M. I., Syafril, S., Febriani, A., Oktavia, G., & Satrial, A. (2026). Quran Teachers’ Skills as Pedagogical Foundations: Conceptual and Practical Insights into Nine Competencies. Muaddib: Journal of Islamic Teaching and Learning, 2(1), 22–38. https://doi.org/10.67055/xt598c43
Engkizar, E., Jaafar, A., Masuwd, M. A., Rahman, I., Datres, D., Taufan, M., Akmal, F., Dasrizal, D., Oktavia, G., Yusrial, Y., & Febriani, A. (2025). Challenges and Steps in Living Quran and Hadith Research: An Introduction. International Journal of Multidisciplinary Research of Higher Education (IJMURHICA, 8(3), 426–435. https://doi.org/10.24036/ijmurhica.v8i3.396
Fitriyani, F. M., Solihin, A. M., Kosasih, A. D., Fajrussalam, H., Rahmawan, D. T., & Azzahra, D. A. (2022). Analisis Transaksi Shopee PayLater dalam Perspektif Hukum Islam. JPG: Jurnal Pendidikan Guru, 3(4), 284. https://doi.org/10.32832/jpg.v3i4.7468
Hamid, N. F. F., Achmad, U. H. binti M., & Amin, R. (2026). Design Development of Mobile Application for Quran Memorization Integrating Tajwid and Tahfiz. Journal of Theory and Research Memorization Quran, 2(1), 145-156. https://doi.org/10.67055/e5d60r41
Hapsari, A. B. T., Diastuti, L., Faizahra, N., Fachrezi, M. D., & Baidhowi, B. (2026). Analisis Praktik Paylater Pada Transaksi E-Commerce Berdasarkan Prinsip Larangan Riba Dalam Hukum Ekonomi Syariah. Jurnal Bevinding, 3(01), 29–46. https://doi.org/10.59582/jb.v3i01.1530
Haq, H. D., Farabi, F. M. Al, Budiani, H., Ramadhan, C. O. A. A., Lisani, F. N. H., & Seriawati, D. (2026). Paylater Dalam Ekonomi Digital: Analisis Yuridis Keselarasan Buy Now Pay Later Dengan Prinsip Hukum Ekonomi Syariah di Indonesia. Jimmi: Jurnal Ilmiah Mahasiswa Multidisiplin, 3(2), 1–14. https://doi.org/10.71153/jimmi.v3i2.467
Harahap, M. I., Soemitra, A., & Nawawi, Z. M. (2023). Analysis of the effect of Fear of Missing Out (FOMO) and the use of paylater application on impulse buying behavior (review of Maqashid Syariah). Manajemen Dan Bisnis, 22(2), 67. https://doi.org/10.24123/jmb.v22i2.682
Hardika, R. E. B., & Huda, A. M. (2021). Pengalaman Pengguna Paylater Mahasiswa Di Surabaya. Commercium, 4(2), 19–32. https://doi.org/10.26740/tc.v4i2.41291
Hellyanita, D., Febriyanti, F., Adesta, R., Hanif, U., Elsa, A., & Sisdianto, E. (2024). Analisis Hukum Ekonomi Syariah terhadap Transaksi Paylater pada E-Commerce Shopee. Jurnal Penelitian Ilmu Ekonomi Dan Keuangan Syariah, 2(2), 43–54. https://doi.org/10.59059/jupiekes.v2i2.1168
Iphofen, R., & Tolich, M. (2018). Foundational Issues in Qualitative Research Ethics. In N. K. Denzin & Y. S. Lincoln (Eds.), The SAGE Handbook of Qualitative Research Ethics (Vol. 1, Issue 1, pp. 1–17). SAGE Publications Ltd. https://doi.org/10.4135/9781526435446.n1
Kadir, A., & Asy’ari, Q. (2026). Pengaruh Buy Now Pay Later Terhadap Perilaku Konsumtif Ibu Rumah Tangga Pada Era Keuangan Digital Modern. Jurnal Ekonomi Dan Perbankan Syariah, 4(2), 155–169. https://doi.org/10.32806/currency.v4i2.1842
Kamali, M. H. (2008). Maqasid Al-Shariah Made Simple. The International Institute of Islamic Thought.
Krippendorff, K. (2022). Content Analysis: An Introduction to Its Methodology. In Content Analysis: An Introduction to Its Methodology. SAGE Publications, Inc. https://doi.org/10.4135/9781071878781
Kurniawan, A., & Hudaf, H. (2021). Konsep Maqashid Syariah Imam Asy-Syatibi. In Al-Mabsut (Vol. 15, Issue 1). Jurnal Studi Islam Dan Sosial.
Lahsasna, A. (2013). Maqasid Al-Shariah in Islamic Finance. IBFIM.
Maksum, M., Saputri, A. H., & Anggraini, R. M. (2023). Analisis Hukum Islam Terhadap Transaksi Shopee PayLater Mahasiswa IAIN Ponorogo. Journal of Sharia Economic Law, 1(2), 53–62. https://doi.org/10.37680/jshel.v1i2.4373
Mansyur, M., Chirzin, M., Yusuf, M., Mustaqim, A., Suryadi, Suryadilaga, M. A., & Najwah, N. (2019). Metodologi Penelitian Living Qur’an dan Hadis. CV. Pustaka Egaliter.
Maulida, D. M. (2021). Pandangan Ekonomi Islam terhadap Sikap Konsumerisme Akibat Metode Pembayaran Tunda Bayar (PayLater). Jurnal Transformatif (Islamic Studies), 5(2), 131–144. https://doi.org/10.23971/tf.v5i2.2980
Miles, H. & S. (2015). Qualitative Data A Methods Sourcebook. In Etika Jurnalisme Pada Koran Kuning : Sebuah Studi Mengenai Koran Lampu Hijau (Vol. 16, Issue 2, pp. 39–55).
Miles, M. B., Huberman, A. M., & Saldaña, J. (2014). Qualitative data analysis: A methods sourcebook (3rd ed.). SAGE Publications.
Munawarsyah, M. (2024). Analisis Hukum Ekonomi Syariah terhadap Transaksi Paylater pada Aplikasi Shopee. In Glossary : Jurnal Ekonomi Syariah (Vol. 2, Issue 2). Jurnal Ekonomi dan Bisnis. https://doi.org/10.52029/gose.v2i2.236
Nurawwalin, W., Azzahra, N., Aditya, S., & Damayanti, S. (2026). Pemanfaatan PayLater dalam Memenuhi Kebutuhan Mendesak: Antara Solusi dan Ketergantungan. Al-Zayn: Jurnal Ilmu Sosial & Hukum, 4(3), 2043–2054. https://doi.org/10.61104/alz.v4i3.5562
Nurfitri, A. R., Dimyati, Winarsih, & Setyaningsih, E. (2025). Fenomena Peningkatan Penggunaan Paylater di Indonesia dan Dampaknya Terhadap Perilaku Masyarakat. INNOVATIVE: Journal Of Social Science Research, 5(2), 2807–4246.
Prastiwi, I. E., & Fitria, T. N. (2021). Konsep Paylater Online Shopping dalam Pandangan Ekonomi Islam. Jurnal Ilmiah Ekonomi Islam, 7(1), 425. https://doi.org/10.29040/jiei.v7i1.1458
Putri, V. A., Tartila, L., Nadya, A., & Sari, N. (2025). Implikasi Buy Now Pay Later (Bnpl) Pada Perilaku Konsumtif Generasi Z Dalam Perspektif Ekonomi Islam. Media Riset Bisnis Manajemen Akuntansi, 1(1), 114–126. https://doi.org/10.71312/mrbima.v1i1.351
Rahayu, S., & Aenina, D. (2021). Tinjauan hukum Islam terhadap penggunaan fitur paylater pada e-commerce di Indonesia. Jurnal Ekonomi Syariah Indonesia, 11(1), 45–56.
Ramadani, M., Al-Kalimantani, N. Z., Mahendra, Y. I., & Lisnawati, L. (2025). Belanja Sekarang, Bayar Nanti: Analisis Shopee Paylater Dalam Perspektif Kaidah-Kaidah Khusus Fiqh Muamalah. JISH: Jurnal Ilmu Syariah Dan Hukum, 5(2), 89–104. https://doi.org/10.36915/jish.v5i2.448
Ramandini, N., Hijjah, H. D., & Romadi, A. B. (2025). Inovasi Layanan Keuangan Digital (Fintech) Sebagai Pendukung Pertumbuhan E- Commerce : Kajian Literatur. Media Riset Bisnis Manajemen Akuntansi, 1(2), 97–110. https://doi.org/10.71312/mrbima.v1i1.447
Rohman, M. M., Rohman, R., & Taufikurrahman, T. (2026). Mengejawantahkan Metode Istimbath Al-Ahkam Berbasis Maqāshid Al-Syarī’ah Dalam Menjawab Persoalan Kekinian. In Qisth: Jurnal Studi dan Penelitian Hukum Islam (Vol. 3, Issue 1). Jurnal Studi dan Penelitian Hukum Islam. https://ejournal.iaimu.ac.id/index.php/Qisth
Saphira, N., Putri, F. M., Miqdad, M., & Jalil, M. (2025). Pendekatan Maqashid Syariah Dalam Kegiatan Sosial Dan Ekonomi Pada Perspektif Praktik Fiqh Muamalah Kontemporer. Media Riset Bisnis Manajemen Akuntansi, 1(2), 1–11. https://doi.org/10.71312/mrbima.v1i1.376
Sari, D. A., Dasrizal, D., Masyhudi, F., Darwati, D., Hamdi, I., & Desvia, L. (2025). Effectiveness of the Talaqqi Method in Memorizing the Quran. Journal of Theory and Research Memorization Quran, 1(1), 15–25. https://doi.org/10.67055/m44dmw35
Shobirin, S. (2016). Jual Beli Dalam Pandangan Islam. In BISNIS : Jurnal Bisnis dan Manajemen Islam (Vol. 3, Issue 2). Jurnal Bisnis Dan Manajemen Islam. https://doi.org/10.21043/bisnis.v3i2.1494
Silalahi, P. R., Althariq, G. N., & Wijaya, I. R. (2022). Pengaruh Sistem Paylater Terhadap. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 7(30), 1538–1548. https://doi.org/https://journal.unesa.ac.id/index.php/jei/article/view/18248
Sinaga, E. R., & Baidhowi. (2025). Tinjauan Hukum Ekonomi Syariah Terhadap Penerapan Suku Bunga Pada E-Commerce. MIZANUNA: Jurnal Hukum Ekonomi Syariah, 3(1), 58–77. https://doi.org/10.59166/mizanuna.v3i1.310
Ulum, Z., & Asmuni, A. (2023). Transaksi Paylater Perspektif Hukum Islam. Al-Mawarid Jurnal Syariah Dan Hukum (JSYH), 5(1), 59–72. https://doi.org/10.20885/mawarid.vol5.iss1.art5
Yanti, R., Bunyamin, A., Lawang, H., & Raehana, S. (2026). Sistem Jual Beli Handphone Dengan Skema Kredit Menurut Tinjauan Hukum Ekonomi Syariah. Pendas: Jurnal Ilmiah Pendidikan Dasar, 11(01), 189–201. https://doi.org/10.23969/jp.v11i01.43026
