ANALYSIS OF PAYLATTER TRANSACTIONS ON SHOPEE AND TIKTOK SHOP MASLAHAH PERSPECTIVE

Abstract

Digital transformation has a very significant impact on all aspects of life, especially in the economic and business fields. Many economic transactions are starting to shift from manual to completely electronic and digital. Online markets such as Shopee and Tiktok Shop offer various convenience facilities, including payment models, from paying on the spot, transfer, paying through merchants, and the newest payment method is paylater, with a choice of terms ranging from one month to 12 months. In this way, it indirectly provides consumers with the opportunity to carry out credit transactions with easy facilities and without collateral. The principle of muamalah according to Islamic law is to realize benefits and avoid harm. The impact of paylatter really makes things easier for consumers, but apart from that, it also makes them addictive, so it can cause misery for those who cannot manage their desires and finances well. This research is qualitative research with descriptive empirical methods. Primary data in this research are paylatter users on Shopee and TikTok Shop, while secondary data was obtained from books, scientific works, journals and other sources relevant to this research.