ANALISIS HUKUM EKONOMI SYARIAH TERHADAP PRAKTIK PERLINDUNGAN KONSUMEN DALAM LAYANAN SHOPEE PAYLATER (Studi pada Gen Z di Kota Bandar Lampung)

ADINDA, AGUSTA KAILA (2025) ANALISIS HUKUM EKONOMI SYARIAH TERHADAP PRAKTIK PERLINDUNGAN KONSUMEN DALAM LAYANAN SHOPEE PAYLATER (Studi pada Gen Z di Kota Bandar Lampung). Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Perkembangan teknologi informasi telah menghadirkan inovasi seperti layanan Buy Now, Pay Later yang menawarkan kemudahan berbelanja dengan pembayaran tertunda. Meskipun memberikan fleksibilitas, layanan ini menimbulkan permasalahan perlindungan konsumen terkait transparansi informasi mengenai bunga dan biaya tambahan serta keamanan data pribadi pengguna. Penelitian ini menganalisis praktik perlindungan konsumen dalam layanan Shopee PayLater pada Gen Z di Kota Bandar Lampung dari perspektif hukum ekonomi syariah. Penelitian ini menggunakann metode penelitian kualitatif dan jenis penelitiannya merupakan penelitian lapangan (field research) yang dilakukan dengan cara menggali informasi untuk mendapatkan data langsung dari lapangan. Penelitian ini fokus pada Gen Z Kota Bandar Lampung.kriteria data yang didapatkan berupa data primer dan data sekunder dengan teknik pengumpulan data yaitu wawancara langsung, observasi, dan dokumentasi setelah itu data baru dianalisis. Hasil penelitian menunjukkan analisis praktik perlindungan konsumen Shopee PayLater pada Gen Z di Kota Bandar Lampung mengalami kesenjangan signifikan antara kebijakan formal dan implementasi lapangan. Transparansi informasi tidak efektif akibat kompleksitas bahasa sehingga konsumen tidak memahami bunga 2,95% per bulan setara dengan 29,4% per tahun. Perlindungan data pribadi menimbulkan kekhawatiran karena kurangnya penjelasan pengguna data yang dikumpulkan. Praktik penagihan melanggaretika dengan intimidasi melalui panggilan berulang setiap 2 jam dan sikap mengancam. Mekanisme pengaduan formal terbukti tidak efektif karena konsumen Gen Z lebih memilih saluran media sosial dibandingkan prosedur resmi. Sedangkan program edukasi konsumen belum optimal dalam meningkatkan literasi keuangan, sehingga banyak pengguna mengalami kesulitan finansial akibat kurangnya pemahaman tentang manajemen utang dan perhitungan bunga. Analisis hukum ekonomi syariah terhadap praktik perlindungan konsumen dalam layanan Shopee PayLater pada Gen Z Kota Bandar Lampung menunjukkan adanya berbagai pelanggaran terhadap asasasas fundamental hukum ekonomi syariah. Meskipun layanan ini menawarkan kemudahan akses, pada hakikatnya masih mengandung unsur garar, dan maysir yang jelas dilarang dalam Islam. Selain itu melanggar prinsip keadlan, maslahah, ta’āwun, dan kesimbangan. Kerentanan Gen Z sebagai target market membuat praktik ini semakin problematis dari perspektif perlindungan konsumen syariah. Kata Kunci: Perlindungan Konsumen; Shopee PayLater; dan Gen Z. ABSTRACT This development of information technology has inroduced innovations such as Buy Now, Pay Later services that offer shopping convenience with deffered payments. Despite providing flexibility, these services raise consumer protection issues related to transparency of information regarding interest and additional fees, as well the security of users’ personal data. This research analyzes consumer protection practices in Shopee PayLater services for Generation Z in Bandar Lampung City from the perspective of sharia economic law. This research uses qualitative research methods and the type of research is field research which is carried out by digging up information to get data directly from the field. This research focuses on Generation Z in Bandar Lampung City. The data criteria obtained are primary data and secondary data with data collection techniques, namely direct interviews, observation, and documentation after which the new data is analyzed. The results showed that the analysis of Shopee PayLater consumer protectuon practices for Gen Z in Bandar Lampung City experienced a significant gap between formal policies and field implementation. Information transparency is ineffective due to language complecity so that consumers do not understand the interest rateof 2,95% /month, equivalent to 29,4%/year. Personal data protection raises concerns due to a lack of user explanation of the data collected. Collection practices are abusive with intimidation through repeated calss every 2 hours and threatening behavior. Formal complaint mechanisms proved ineffectve as Gen Z consumers prefer social media channels over official procedures. Meanwhile, consumer education programs over have not been optimal in improving financial literacy, reculting in many users experiencing financial difficulties due to a lack of understanding about debt management and interest calculations. Analysis of Islamic economic law on consumer protection practices in the Shopee PayLater service for Gen Z in Bandar Lampung City shows that there are various violations of the fundamental principles of Islamic economic law. Although this service offers easy access, in essence it still contains elements of usury, garar, and maysir which are clearly prohibited in Islam. In addition, it violates the principles of justice, maslahah, ta’āwun, and balance. The vulnerability of Gen Z as a target market makes this practice even more problematic from the perspective of sharia consumer protection. Keywords: Consumer Protection; Shopee PayLater; and Generation Z.

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