PEMBAYARAN SISTEM COD PERSPEKTIF SYARIAH

Abstract

Abstract

This study discusses the Cash on Delivery (COD) payment system in e-commerce transactions from the perspective of Islamic law, specifically the Shafi'i School of Thought. The COD system, which is popular in Indonesia, provides advantages such as a sense of security for consumers in online transactions, despite challenges like the risk of losses for sellers. In Islamic jurisprudence, COD transactions can be analyzed through the concepts of sales contracts and the role of third parties, such as delivery services. This study employs a literature review method to identify the compatibility of the COD system with Islamic principles, such as transparency, clarity, and trustworthiness. The findings indicate that the COD system complies with Islamic law if it fulfills the conditions for a valid contract, is free from gharar (uncertainty), and adheres to principles of fairness and mutual consent. This study provides a legal foundation and practical guidance for businesses and consumers in implementing COD transactions in accordance with Islamic principles.

Keywords: Cash on Delivery, e-commerce, Islamic law, sharia, Islamic jurisprudence.

Abstrak

Penelitian ini membahas sistem pembayaran Cash on Delivery (COD) dalam transaksi e-commerce dari perspektif hukum Islam, khususnya Mazhab Syafi’i. Sistem COD, yang populer di Indonesia, memberikan keuntungan berupa rasa aman bagi konsumen dalam bertransaksi daring, meski menghadapi tantangan seperti risiko kerugian bagi penjual. Dalam kajian fikih Islam, transaksi COD dapat dianalisis melalui konsep akad jual beli dan peran pihak ketiga seperti jasa pengiriman. Penelitian ini menggunakan metode literature review untuk mengidentifikasi kesesuaian sistem COD dengan prinsip-prinsip syariah, seperti transparansi, kejelasan, dan amanah. Hasil kajian menunjukkan bahwa sistem COD sesuai dengan hukum Islam jika memenuhi syarat-syarat akad yang sah, bebas dari gharar, serta didukung oleh prinsip keadilan dan kerelaan kedua belah pihak. Penelitian ini memberikan landasan hukum serta panduan praktis bagi pelaku bisnis dan konsumen dalam menerapkan transaksi COD sesuai syariah.

Kata kunci: Cash on Delivery, e-commerce, hukum Islam, syariah, fikih muamalah.