ANALYSIS OF IMAM MALIK'S MASLAHAH ON THE SHOPEEPAY APPLICATION IN INDONESIA BASED ON DSN MUI FATWA NO. 116 DSN-MUI/IX/2017

Abstract

This study aims to analyze ShopeePay in Indonesia from the perspective of Imam Malik’s concept of maslahah by referring to DSN-MUI Fatwa No. 116/DSN-MUI/IX/2017 concerning Sharia electronic money. This research employs a qualitative approach using library research with descriptive-analytical and normative juridical methods. The data were obtained from DSN-MUI fatwas, Islamic legal literature, books on ushul fiqh, journal articles, and regulations related to electronic money and Sharia fintech. The findings show that ShopeePay has the potential to provide maslahah through transaction efficiency, payment convenience, wider access to digital services, and support for digital economic activities. However, its Sharia compliance is conditional and depends on contract clarity, transparent fund management, transaction security, lawful transaction purposes, user protection, and the avoidance of riba, gharar, and maysir. From Imam Malik’s maslahah perspective, ShopeePay may be considered beneficial when it supports public welfare without contradicting Sharia principles. Nevertheless, features related to deferred payments, PayLater services, promotional schemes, and reward mechanisms require separate Sharia assessment because they may contain different legal implications. This study concludes that ShopeePay can be aligned with DSN-MUI Fatwa No. 116/DSN-MUI/IX/2017 if it is implemented as a transparent, secure, and responsible digital payment instrument. Strengthening Sharia supervision, user education, and clearer separation between payment services and credit-based features is necessary to ensure that ShopeePay contributes to a Sharia-compliant digital financial ecosystem in Indonesia.