TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP KONVERSI LIMIT PAYLATER TIKTOK MELALUI TRANSAKSI JUAL BELI (Studi pada Pengguna Transaksi Konversi Paylater Tiktok di Akun Instagram @gestun_byd)

ASSYIFA, IZZATUSHOLEHAH (2026) TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP KONVERSI LIMIT PAYLATER TIKTOK MELALUI TRANSAKSI JUAL BELI (Studi pada Pengguna Transaksi Konversi Paylater Tiktok di Akun Instagram @gestun_byd). Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Perkembangan teknologi finansial (fintech) menghadirkan beragam kemudahan dalam transaksi, salah satunya melalui fitur Paylater di berbagai platform digital. fenomena Konversi limit Paylater TikTok menjadi uang , yang dikenal sebagai gestun (gesek tunai). Proses Konversi ini memungkinkan pengguna untuk mencairkan batas kredit yang seharusnya digunakan untuk membeli barang menjadi uang melalui perantara pihak ketiga. kemudahan tersebut seringkali disalahgunakan, seperti praktik konversi limit Paylater TikTok menjadi uang tunai melalui transaksi jual beli fiktif. Praktik ini menimbulkan persoalan hukum karena melibatkan unsur rekayasa akad, potensi Gharar (ketidakjelasan), Tadlis (penipuan), serta kemungkinan terjadinya Riba akibat biaya tambahan. Dari sisi hukum positif, praktik ini juga berpotensi melanggar ketentuan penggunaan layanan yang ditetapkan oleh penyedia jasa keuangan digital. Rumusan masalah dalam penelitian ini yaitu bagaimana praktik Konversi Limit Paylater Tiktok Melalui Transaksi Jual Beli di Akun Instagram @gestun_byd dan bagaimana tinjauan hukum Islam Konversi Limit Paylater Tiktok Melalui Transaksi Jual Beli di Akun Instagram @gestun_byd . Penelitian ini bertujuan untuk mengkaji mekanisme praktik konversi limit Paylater TikTok melalui transaksi jual beli fiktif; meninjau dari segi hukum ekonomi syariah berdasarkan bentuk pelanggaran akad yang timbul dari praktik tersebut. Penelitian ini menggunakan metode kualitatif dengan jenis penelitian lapangan (Field research) yang bersifat deskriptif-analitis. Pengumpulan data dilakukan melalui tiga teknik utama: wawancara (interview) dengan penyedia layanan dan para pengguna layanan, observasi akun media sosial penyedia layanan, serta dokumentasi dari sumber-sumber relevan. Sampel penelitian sebanyak 10 responden dipilih menggunakan teknik purposive sampling berdasarkan kriteria keterlibatan langsung dalam transaksi. Hasil penelitian menunjukkan bahwa proses Konversi limit dilakukan melalui pembelian produk fiktif dimana pengguna dikenakan biaya layanan sekitar 10%–15%. Praktik konversi limit Paylater TikTok melalui transaksi jual beli akun Instagram @gestun_byd merupakan bentuk transaksi jual beli fiktif karena kebutuhan dana cepat berpotensi menimbulkan penipuan, kredit macet, pencurian data pribadi. Tinjauan Hukum Ekonomi Syariah Terhadap Konversi Limit Paylater Tiktok Melalui Transaksi Jual beli ini tidak sesuai karena melibatkan unsur rekayasa akad. Transaksi jual beli fiktif ini menimbulkan Gharar dan Tadlis yang menyebabkan akad menjadi fasid (rusak). ABSTRACT The development of financial technology (fintech) presents a variety of conveniences in transactions, one of which is through the Paylater feature on various digital platforms. The phenomenon of converting TikTok's Paylater limit into money, known as gestun (cash swipes). This conversion process allows users to cash out the credit limit that would otherwise be used to buy goods into money through third-party intermediaries. These conveniences are often abused, such as the practice of converting TikTok's Paylater limit into cash through a fictitious buying and selling mechanism. This practice raises legal problems because it involves elements of contract engineering, the potential for Gharar (ambiguity), Tadlis (fraud), and the possibility of usury due to additional costs. From a positive legal perspective, this practice also has the potential to violate the terms of service use set by digital financial service providers. The formulation of the problem in this study is how to practice Tiktok Limit Paylater Conversion Through Buying and Selling Transaction on @gestun_byd Instagram Account and how to review Islamic law Tiktok Limit Paylater Conversion Through Buying and Selling Transaction on Instagram @gestun_byd Account. This study aims to examine the mechanism of Paylater Tiktok limit conversion practices through fictitious buying and selling, review in terms of sharia economic law based on the form of violation of contract arising from the practice. This research uses a qualitative method with a descriptive-analytical type of field research. Data collection was carried out through three main techniques: interviews with service providers and service users, observation of the service provider's social media accounts, and documentation from relevant sources. A research sample of 10 respondents was selected using purposive sampling techniques based on the criteria of direct involvement in transactions. The results of the study show that the limit conversion process is carried out through the purchase of fictitious products where users are charged a service fee of around 10%–15%. The practice of converting TikTok's Paylater limit through Instagram account buying and selling is @gestun_byd a form of fictitious buying and selling transactions because the need for quick funds has the potential to cause fraud, bad credit, and personal data theft. Review of Sharia Economic Law on the of Paylater Tiktok Limit Conversion Through Transaction This purchase and sale transaction is inappropriate because it involves elements of contract engineering. This fictitious buying and selling transaction gives rise to Gharar and Tadlis which causes the contract to become fasid (damaged).

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