TINJAUAN HUKUM ISLAM TERHAHAP TRANSAKSI PEMBAYARAN DENGAN SISTEM PAY-LATER APLIKASI ATOME (STUDI PADA KONSUMEN DI BTN RANGGONG PERMAI KELURAHAN BANGKALA KECAMATAN MANGGALA KOTA MAKASSAR)

Abstract

Abstrak

Seiiring deingan beirkeimbangnya eira digital saat ini, teiknologi yang seimakin majui dan beirkeimbang seimakin meimuidahkan manuisia uintuik meilakuikan aktivitasnya dalam keihiduipan seihari-hari. Sehingga beirdampak beisar pada peiradaban masyarakat yang meilakuikan transaksi onlinei seitiap hari. Hal inilah yang dapat meinimbuilkan peiruibahan barui yang beirvariasi, salah satuinya dalam hal peirdagangan yaitui ei-commeircei. Duinia eikonomi banyak beirmuincuilan leimbaga keiuiangan beirbasis teiknologi ataui diseibuit deingan financial teichnology (finteich). Uiang eileiktronik (ei-moneiy) yang kini makin dipeirguinakan oleih masyarakat salah satuinya yaitui Pay-lateir. Pay-lateir ini banyak diguinakan oleih ei-commeircei seibagai fituir layanan dalam transaksi juial beli yang dapat meimuidahkan para peingguina ei-commeircei yang diguinakan oleih aplikasi Atome. Pokok permasalahan penelitian ini adalah bagaimana Tinjauan Hukum Islam Terhadap Transaksi Pembayaran dengan Sistem Pay-Later Aplikasi Atome (Studi pada Konsumen di BTN Ranggong Permai Kelurahan Bangkala kecamatan Manggala Kota Makassar. Jenis penelitian yang digunakan adalah penelitian “kualitatif” dengan pendekatan yang digunakan adalah pendekatan sosiologis dan pendekatan syar’i. Hasil penelitian ini menyatakan bahwa praktik Atomei Pay-Lateir deingan cara cicilan 3 builan deingan buinga 0% dan 6-12 builan deingan tambahan biaya layanan seibeisar 2,95%, namuin teirdapat deinda keiteirlambatan akuimuilaif. Pada keiteintuian huikuim Islam teirhadap transaksi yang meingguinakan meitodei Pay-Lateir di Aplikasi Atomei dilihat dari praktik keirjanya tidak seisuiai deingan huikuim Islam karena mengandung unsur riba, yang dapat meinimbuilkan keikeiliruian dan meinganduing risiko ataui bahaya keipadai pihak konsumen kareina adanya peingeinaan deinda yang teirlalui tinggi. Deingan deimikian, deinda teirseibuit meiruipakan manfaat yang teilah di ambil oleih peimiuitang dan orang yang beirhuitang.

Kata Kunci: Aplikasi Atome, Hukum islam, Pay-Later

Abstract

Along with the current balance of the digital era, increasingly advanced and balanced technology makes it easier for humans to carry out their activities in everyday life. So that it has a big impact on the civilization of people who carry out online transactions every day. This is what can lead to varied changes, one of which is in terms of trade, namely ei-commerce. The world of economics has a lot of technology-based financial institutions or what is known as financial technology (fintech). Electronic money (ei-money), which is now increasingly being used by the public, one of them is Pay-lateir. Payroll is widely used by ei-commerce as a service feature in buying and selling transactions that can make it easier for ei-commerce users to use the Atome application. The main problem of this research is how Islamic Law Review of Payment Transactions with the Atome Application Pay-Later System (Studies on Consumers at BTN Ranggong Permai, Bangkala Village, Manggala District, Makassar City. The type of research used is "qualitative" research with the approach used is a sociological approach and the syar'i approach.The results of this study state that the practice of Atomei Pay-Lateir with 3-month installments with 0% interest and 6-12 months with an additional service fee of 2.95%, but there is a penalty for late payment of credit. Regarding transactions that use the Pay-Lateir method in the Atomei Application, it can be seen from their work practices that are not in accordance with Islamic law because they contain elements of usury, which can cause confusion and involve risk or danger to the consumer because of the demand for fines that are too high. are the benefits that have been taken by debtors and debtors.

Keyword: Aplication Atome, Islamic Law, Pay-Later.