{"id":273,"date":"2025-07-08T13:00:00","date_gmt":"2025-07-08T06:00:00","guid":{"rendered":"https:\/\/khalifa.or.id\/up\/?p=273"},"modified":"2025-07-08T22:25:35","modified_gmt":"2025-07-08T15:25:35","slug":"bagaimana-hukum-paylater-dalam-islam","status":"publish","type":"post","link":"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/","title":{"rendered":"Bagaimana Hukum Paylater dalam Islam?"},"content":{"rendered":"\n

Paylater atau beli sekarang<\/strong>, bayar nanti adalah sistem transaksi di mana seseorang memperoleh barang atau jasa terlebih dahulu, kemudian membayar di masa depan sesuai tenggat waktu yang sudah ditentukan. Di Indonesia, metode ini banyak digunakan untuk belanja online, transportasi, hingga pembelian tiket.<\/p>\n\n\n\n

Dalam praktiknya, paylater kadang mengenakan biaya layanan, dan jika telat bayar, dikenakan denda keterlambatan yang sifatnya bunga. Hal ini menjadi perhatian utama dalam hukum syariat.<\/p>\n\n\n\n

Allah \ufdfb berfirman, \u201cWahai orang-orang yang beriman! Apabila kamu bermuamalah tidak secara tunai untuk waktu yang ditentukan, hendaklah kamu menuliskannya.\u201d (QS. Al-Baqarah: 282). Ayat ini menjadi dasar bolehnya jual beli tempo (bayar di kemudian hari), dengan syarat harga jelas dan tanpa unsur penipuan.<\/p>\n\n\n\n

Paylater diperbolehkan jika memenuhi syarat berikut: harga sudah disepakati sejak awal dan tidak berubah, tidak ada denda keterlambatan yang menambah beban utang, tidak ada bunga tambahan, serta tidak mengandung unsur gharar (ketidakjelasan).<\/p>\n\n\n\n

Sebaliknya, paylater hukumnya haram jika terdapat tambahan biaya atau bunga yang timbul akibat keterlambatan pembayaran. Misalnya, jika telat bayar, dikenakan bunga 2% per bulan. Tambahan semacam ini termasuk riba yang diharamkan syariat.<\/p>\n\n\n\n

Fatwa DSN-MUI No. 111\/DSN-MUI\/IX\/2017 tentang kartu kredit syariah menegaskan, \u201cTransaksi yang mengandung denda keterlambatan pembayaran berupa bunga adalah riba, dan hukumnya haram.\u201d Majma\u2019 Fiqh Islami (OKI) juga menyatakan, \u201cMenambah beban utang akibat keterlambatan termasuk riba jahiliyah, yang diharamkan syariat.\u201d<\/p>\n\n\n\n

Contoh paylater yang diperbolehkan: harga cash Rp1 juta, harga paylater Rp1,1 juta (harga final, tanpa denda tambahan). Jika sudah disepakati sejak awal, maka harga itulah yang berlaku, meskipun dicicil kemudian.<\/p>\n\n\n\n

Kesimpulannya, paylater hukumnya boleh jika murni jual beli tempo dengan harga final yang jelas, tanpa bunga atau penalti keterlambatan. Namun, jika ada tambahan biaya yang bersifat riba, hukumnya haram.<\/p>\n\n\n\n

Umat Islam dianjurkan membaca syarat dan ketentuan dengan teliti sebelum menggunakan paylater agar tidak terjerumus dalam transaksi riba.<\/p>\n","protected":false},"excerpt":{"rendered":"

bayar nanti adalah sistem transaksi di mana seseorang memperoleh barang atau jasa terlebih dahulu, kemudian membayar di masa depan sesuai tenggat waktu yang sudah ditentukan. <\/p>\n","protected":false},"author":4,"featured_media":275,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[161,54,159,162,160],"class_list":{"0":"post-273","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-fiqh","8":"tag-akad-jual-beli","9":"tag-fiqih-muamalah","10":"tag-hukum-paylater","11":"tag-riba-modern","12":"tag-transaksi-syariah"},"yoast_head":"\nBagaimana Hukum Paylater dalam Islam?<\/title>\n<meta name=\"description\" content=\"Bagaimana hukum paylater dalam Islam? Simak penjelasan lengkap, dalil, dan syarat agar terhindar dari riba.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bagaimana Hukum Paylater dalam Islam?\" \/>\n<meta property=\"og:description\" content=\"Bagaimana hukum paylater dalam Islam? Simak penjelasan lengkap, dalil, dan syarat agar terhindar dari riba.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/\" \/>\n<meta property=\"og:site_name\" content=\"Khalifa.or.id\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-08T06:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-08T15:25:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/khalifa.or.id\/up\/wp-content\/uploads\/2025\/07\/6478204e-b4cd-4f58-a063-09ef496b8c1e.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"900\" \/>\n\t<meta property=\"og:image:height\" content=\"500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mundzir\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Ditulis oleh\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mundzir\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimasi waktu membaca\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 menit\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/\"},\"author\":{\"name\":\"Mundzir\",\"@id\":\"https:\/\/khalifa.or.id\/up\/#\/schema\/person\/df39d6b3f3927de978a073dac4a4e03b\"},\"headline\":\"Bagaimana Hukum Paylater dalam Islam?\",\"datePublished\":\"2025-07-08T06:00:00+00:00\",\"dateModified\":\"2025-07-08T15:25:35+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/\"},\"wordCount\":293,\"publisher\":{\"@id\":\"https:\/\/khalifa.or.id\/up\/#organization\"},\"image\":{\"@id\":\"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/khalifa.or.id\/up\/wp-content\/uploads\/2025\/07\/6478204e-b4cd-4f58-a063-09ef496b8c1e.jpeg\",\"keywords\":[\"Akad Jual Beli\",\"Fiqih Muamalah\",\"Hukum Paylater\",\"Riba Modern\",\"Transaksi Syariah\"],\"articleSection\":[\"Fiqih\"],\"inLanguage\":\"id\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/\",\"url\":\"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/\",\"name\":\"Bagaimana Hukum Paylater dalam Islam?\",\"isPartOf\":{\"@id\":\"https:\/\/khalifa.or.id\/up\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/khalifa.or.id\/up\/wp-content\/uploads\/2025\/07\/6478204e-b4cd-4f58-a063-09ef496b8c1e.jpeg\",\"datePublished\":\"2025-07-08T06:00:00+00:00\",\"dateModified\":\"2025-07-08T15:25:35+00:00\",\"description\":\"Bagaimana hukum paylater dalam Islam? Simak penjelasan lengkap, dalil, dan syarat agar terhindar dari riba.\",\"breadcrumb\":{\"@id\":\"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/#breadcrumb\"},\"inLanguage\":\"id\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"id\",\"@id\":\"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/#primaryimage\",\"url\":\"https:\/\/khalifa.or.id\/up\/wp-content\/uploads\/2025\/07\/6478204e-b4cd-4f58-a063-09ef496b8c1e.jpeg\",\"contentUrl\":\"https:\/\/khalifa.or.id\/up\/wp-content\/uploads\/2025\/07\/6478204e-b4cd-4f58-a063-09ef496b8c1e.jpeg\",\"width\":900,\"height\":500,\"caption\":\"Tampilan aplikasi ShopeePay di ponsel. Paylater diperbolehkan dalam Islam jika tanpa bunga atau denda keterlambatan. (.Ist)\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Beranda\",\"item\":\"https:\/\/khalifa.or.id\/up\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Bagaimana Hukum Paylater dalam Islam?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/khalifa.or.id\/up\/#website\",\"url\":\"https:\/\/khalifa.or.id\/up\/\",\"name\":\"Pesantren Pramuka Khalifa\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/khalifa.or.id\/up\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/khalifa.or.id\/up\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"id\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/khalifa.or.id\/up\/#organization\",\"name\":\"Pesantren Pramuka Khalifa\",\"url\":\"https:\/\/khalifa.or.id\/up\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"id\",\"@id\":\"https:\/\/khalifa.or.id\/up\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/khalifa.or.id\/up\/wp-content\/uploads\/2025\/07\/Logo-Square.png\",\"contentUrl\":\"https:\/\/khalifa.or.id\/up\/wp-content\/uploads\/2025\/07\/Logo-Square.png\",\"width\":417,\"height\":501,\"caption\":\"Pesantren Pramuka Khalifa\"},\"image\":{\"@id\":\"https:\/\/khalifa.or.id\/up\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/khalifa.or.id\/up\/#\/schema\/person\/df39d6b3f3927de978a073dac4a4e03b\",\"name\":\"Mundzir\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"id\",\"@id\":\"https:\/\/khalifa.or.id\/up\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/6d6a553693398a7662666f51f6e7fea30ba12287c8c13cf31ddb7b65192155ef?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/6d6a553693398a7662666f51f6e7fea30ba12287c8c13cf31ddb7b65192155ef?s=96&d=mm&r=g\",\"caption\":\"Mundzir\"},\"description\":\"Ketua Dewan Pengasuh Pesantren Pramuka Khalifa, Tasikmalaya. Pembina satuan pandega di Gudep Tasikmalaya 05.109. Pelath pembina pramuka di Pusdiklat \u2018Sukapura\u2019 Kwarcab Gerakan Pramuka Tasikmalaya. Fasilitator Pembinaan Kesadaran Bela Negara, Kemhan RI.\",\"sameAs\":[\"https:\/\/udex.my.id\"],\"url\":\"https:\/\/khalifa.or.id\/up\/author\/udexam\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Bagaimana Hukum Paylater dalam Islam?","description":"Bagaimana hukum paylater dalam Islam? Simak penjelasan lengkap, dalil, dan syarat agar terhindar dari riba.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/","og_locale":"id_ID","og_type":"article","og_title":"Bagaimana Hukum Paylater dalam Islam?","og_description":"Bagaimana hukum paylater dalam Islam? Simak penjelasan lengkap, dalil, dan syarat agar terhindar dari riba.","og_url":"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/","og_site_name":"Khalifa.or.id","article_published_time":"2025-07-08T06:00:00+00:00","article_modified_time":"2025-07-08T15:25:35+00:00","og_image":[{"width":900,"height":500,"url":"https:\/\/khalifa.or.id\/up\/wp-content\/uploads\/2025\/07\/6478204e-b4cd-4f58-a063-09ef496b8c1e.jpeg","type":"image\/jpeg"}],"author":"Mundzir","twitter_card":"summary_large_image","twitter_misc":{"Ditulis oleh":"Mundzir","Estimasi waktu membaca":"2 menit"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/#article","isPartOf":{"@id":"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/"},"author":{"name":"Mundzir","@id":"https:\/\/khalifa.or.id\/up\/#\/schema\/person\/df39d6b3f3927de978a073dac4a4e03b"},"headline":"Bagaimana Hukum Paylater dalam Islam?","datePublished":"2025-07-08T06:00:00+00:00","dateModified":"2025-07-08T15:25:35+00:00","mainEntityOfPage":{"@id":"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/"},"wordCount":293,"publisher":{"@id":"https:\/\/khalifa.or.id\/up\/#organization"},"image":{"@id":"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/#primaryimage"},"thumbnailUrl":"https:\/\/khalifa.or.id\/up\/wp-content\/uploads\/2025\/07\/6478204e-b4cd-4f58-a063-09ef496b8c1e.jpeg","keywords":["Akad Jual Beli","Fiqih Muamalah","Hukum Paylater","Riba Modern","Transaksi Syariah"],"articleSection":["Fiqih"],"inLanguage":"id"},{"@type":"WebPage","@id":"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/","url":"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/","name":"Bagaimana Hukum Paylater dalam Islam?","isPartOf":{"@id":"https:\/\/khalifa.or.id\/up\/#website"},"primaryImageOfPage":{"@id":"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/#primaryimage"},"image":{"@id":"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/#primaryimage"},"thumbnailUrl":"https:\/\/khalifa.or.id\/up\/wp-content\/uploads\/2025\/07\/6478204e-b4cd-4f58-a063-09ef496b8c1e.jpeg","datePublished":"2025-07-08T06:00:00+00:00","dateModified":"2025-07-08T15:25:35+00:00","description":"Bagaimana hukum paylater dalam Islam? Simak penjelasan lengkap, dalil, dan syarat agar terhindar dari riba.","breadcrumb":{"@id":"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/#breadcrumb"},"inLanguage":"id","potentialAction":[{"@type":"ReadAction","target":["https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/"]}]},{"@type":"ImageObject","inLanguage":"id","@id":"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/#primaryimage","url":"https:\/\/khalifa.or.id\/up\/wp-content\/uploads\/2025\/07\/6478204e-b4cd-4f58-a063-09ef496b8c1e.jpeg","contentUrl":"https:\/\/khalifa.or.id\/up\/wp-content\/uploads\/2025\/07\/6478204e-b4cd-4f58-a063-09ef496b8c1e.jpeg","width":900,"height":500,"caption":"Tampilan aplikasi ShopeePay di ponsel. Paylater diperbolehkan dalam Islam jika tanpa bunga atau denda keterlambatan. (.Ist)"},{"@type":"BreadcrumbList","@id":"https:\/\/khalifa.or.id\/up\/bagaimana-hukum-paylater-dalam-islam\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Beranda","item":"https:\/\/khalifa.or.id\/up\/"},{"@type":"ListItem","position":2,"name":"Bagaimana Hukum Paylater dalam Islam?"}]},{"@type":"WebSite","@id":"https:\/\/khalifa.or.id\/up\/#website","url":"https:\/\/khalifa.or.id\/up\/","name":"Pesantren Pramuka Khalifa","description":"","publisher":{"@id":"https:\/\/khalifa.or.id\/up\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/khalifa.or.id\/up\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"id"},{"@type":"Organization","@id":"https:\/\/khalifa.or.id\/up\/#organization","name":"Pesantren Pramuka Khalifa","url":"https:\/\/khalifa.or.id\/up\/","logo":{"@type":"ImageObject","inLanguage":"id","@id":"https:\/\/khalifa.or.id\/up\/#\/schema\/logo\/image\/","url":"https:\/\/khalifa.or.id\/up\/wp-content\/uploads\/2025\/07\/Logo-Square.png","contentUrl":"https:\/\/khalifa.or.id\/up\/wp-content\/uploads\/2025\/07\/Logo-Square.png","width":417,"height":501,"caption":"Pesantren Pramuka Khalifa"},"image":{"@id":"https:\/\/khalifa.or.id\/up\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/khalifa.or.id\/up\/#\/schema\/person\/df39d6b3f3927de978a073dac4a4e03b","name":"Mundzir","image":{"@type":"ImageObject","inLanguage":"id","@id":"https:\/\/khalifa.or.id\/up\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/6d6a553693398a7662666f51f6e7fea30ba12287c8c13cf31ddb7b65192155ef?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6d6a553693398a7662666f51f6e7fea30ba12287c8c13cf31ddb7b65192155ef?s=96&d=mm&r=g","caption":"Mundzir"},"description":"Ketua Dewan Pengasuh Pesantren Pramuka Khalifa, Tasikmalaya. Pembina satuan pandega di Gudep Tasikmalaya 05.109. Pelath pembina pramuka di Pusdiklat \u2018Sukapura\u2019 Kwarcab Gerakan Pramuka Tasikmalaya. Fasilitator Pembinaan Kesadaran Bela Negara, Kemhan RI.","sameAs":["https:\/\/udex.my.id"],"url":"https:\/\/khalifa.or.id\/up\/author\/udexam\/"}]}},"_links":{"self":[{"href":"https:\/\/khalifa.or.id\/up\/wp-json\/wp\/v2\/posts\/273","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/khalifa.or.id\/up\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/khalifa.or.id\/up\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/khalifa.or.id\/up\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/khalifa.or.id\/up\/wp-json\/wp\/v2\/comments?post=273"}],"version-history":[{"count":1,"href":"https:\/\/khalifa.or.id\/up\/wp-json\/wp\/v2\/posts\/273\/revisions"}],"predecessor-version":[{"id":276,"href":"https:\/\/khalifa.or.id\/up\/wp-json\/wp\/v2\/posts\/273\/revisions\/276"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/khalifa.or.id\/up\/wp-json\/wp\/v2\/media\/275"}],"wp:attachment":[{"href":"https:\/\/khalifa.or.id\/up\/wp-json\/wp\/v2\/media?parent=273"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/khalifa.or.id\/up\/wp-json\/wp\/v2\/categories?post=273"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/khalifa.or.id\/up\/wp-json\/wp\/v2\/tags?post=273"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}