ANALISIS TERHADAP UPAYA SHOPEEPAYLATER DALAM MEMINIMALISIR PEMBIAYAAN BERMASALAH PERSPEKTIF HUKUM ISLAM

Siti Lina Fitria, NIM.: 18103080092 (2022) ANALISIS TERHADAP UPAYA SHOPEEPAYLATER DALAM MEMINIMALISIR PEMBIAYAAN BERMASALAH PERSPEKTIF HUKUM ISLAM. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

Shopeepaylater is a payment method with a bailout method from the Shopee application through installments without a credit card. The existence of Shopeepaylater arises because of a contract between the lender and the user. In this era of technological development, people are increasingly following developments including in the payment system, because with the financing, there will be a possibility of a default and how efforts must be made to avoid problematic financing. This study explores how the analysis of shopeepaylater's efforts in minimizing problematic financing from the perspective of Islamic law is explored. This study was conducted to see how Shopeepaylater's efforts in minimizing non-performing financing and to answer some of the problems that have been formulated by the researcher, namely how the efforts made by Shopeepaylater before and after the financing is carried out and how to handle the problematic financing, in this study the researcher examines more deeply about The scoring system used by Shopeepaylater in terms of preventive theory in financing is the 5c principle and saddu dzari'ah. This research is a type of field research using qualitative analysis. The object being targeted in this research is the concept of the 5c principle and saddu dzari'ah and its application to Shopeepaylater. This study uses a descriptive analytical approach to determine the suitability of the basic principles of 5c and saddu dzari'ah in its application to Shopeepaylater. Sources of data needed in this study consisted of primary data and secondary data with data collection methods carried out by means of interviews, documentation and observation. The results of this study indicate that Shopeepaylater's efforts to minimize problematic financing from the Islamic legal perspective in using the 5c principle still have shortcomings and have not even fully implemented an assessment with this principle in several aspects, such as aspects of character assessment by debtors, capacity, capital, collateral and condition of economy. this is still not good, because the terms and conditions stated in the Shopee regulations do not include an assessment using the 5c principle. The practice of Shopeepaylater financing in the analysis of Islamic law using the saddu dzari'ah method is legally prohibited because in its implementation there are more benefits and harm, meaning that the harm is not caused by the act, but is measured by the consequences. In resolving disputes carried out by Shopee and the organizers, they choose to settle internally, and provide administrative sanctions for defaulters.

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