TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP PENERAPAN SUKU BUNGA PADA E-COMMERCE

This research aims to analyze the imposition of interest rates in phased payment services (PayLater) on e-commerce platforms, especially on Shopee PayLater, from the perspective of Islamic economic law. In the Islamic economic system, practices involving interest (riba) are considered incompatible with the principles contained in the Qur'an and hadith, which prioritize fairness and transparency in financial transactions. Therefore, this research examines whether the imposition of interest rates in the Shopee PayLater service fulfills the principles of sharia law or is contrary to the applicable provisions. This research uses a qualitative approach by analyzing literature related to sharia economic law, as well as regulations governing financial transactions in the digital context. The results of this study indicate that the practice of interest rates on Shopee PayLater can be categorized as usury, which is contrary to sharia economic principles. In addition, there are several aspects that need to be improved to harmonize e-commerce business practices with sharia values. This research is expected to contribute to the development of e-commerce policies and practices that are more in line with sharia economic law.