Krisis Kepatuhan Syariah dalam Praktik Buy Now Pay Later (BNPL) di Indonesia: Rekonstruksi Model Hybrid Contract Berbasis Maqāṣid al-Syarī‘ah
DOI:
https://doi.org/10.51590/salsabil.v2i2.70Kata Kunci:
Buy Now Pay Later (BNPL); kepatuhan syariah; maqāṣid al-syarī‘ah; hybrid contract; fintech syariah.Abstrak
Perkembangan layanan Buy Now Pay Later (BNPL) di Indonesia menghadirkan kemudahan akses pembiayaan, namun sekaligus memunculkan krisis kepatuhan syariah akibat ketidakjelasan akad, potensi riba, serta praktik gharar dalam mekanisme transaksinya. Penelitian ini bertujuan untuk menganalisis problem kepatuhan syariah dalam praktik BNPL serta merumuskan model solusi regulatif yang sesuai dengan prinsip hukum ekonomi Islam. Metode yang digunakan adalah penelitian normatif dengan pendekatan maqāṣid al-syarī‘ah dan analisis konseptual terhadap praktik hybrid contract dalam fiqh muamalah kontemporer yang didukung oleh kajian literatur mutakhir. Hasil penelitian menunjukkan bahwa praktik BNPL yang berkembang saat ini belum sepenuhnya memenuhi prinsip keadilan, transparansi, dan perlindungan harta (ḥifẓ al-māl), sehingga berpotensi bertentangan dengan tujuan syariah. Sebagai temuan utama, penelitian ini menawarkan rekonstruksi model BNPL berbasis hybrid contract yang mengintegrasikan akad murābaḥah, wakālah, dan ujrah secara sistematis untuk menghindari unsur riba dan gharar. Model ini juga diperkuat dengan pendekatan maqāṣid al-syarī‘ah sebagai landasan normatif dan diarahkan menjadi kerangka regulasi alternatif bagi otoritas keuangan syariah di Indonesia. Dengan demikian, penelitian ini memberikan kontribusi teoretis dalam pengembangan hukum ekonomi Islam sekaligus menawarkan solusi praktis yang adaptif terhadap dinamika fintech modern.
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