The Shopee application offers a 'pay later' payment mode known as Shopee Pay Later (SPL) and features four payment options, which are buy first and pay the total price of the goods purchased at a later date or payment made in installments over two, three or six months with accompanying charges. This transaction raises the question of whether SPL complies with the Qard Theory in fiqh muamalat. This is because qard is a loan that needs to be repaid to the creditor without any additional payment or charges. Therefore, this study aimed to study the 'pay later' buying and selling method based on the Qard Theory. This qualitative study used the document analysis method involving documents, such as books, articles, journals, newspapers and so on as well as the Federal Territory Fatwa for examining the SPL method. Data were then analyzed using the descriptive analysis method. Results of the study show that the SPL method is not permitted in Islam because the charges involved are deemed to be a form of usury (riba). This is because the 'pay later' method is not in accordance with the Qard Theory in Islam. This study provides knowledge to Muslim Shopee users about payment methods that are permitted and those that are prohibited in Islam.
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In-Text Citation: (Ahmad et al., 2022)
To Cite this Article: Ahmad, A. A., Hashim, N. A., Arifah, R. N., & Nordin, N. (2022). An Analysis of Shopee Pay Later Transactions Based on the Qard Theory. International Journal of Academic Research in Business and Social Sciences, 12(11), 1380– 1391.
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