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DOI: https:\/\/doi.org\/10.26475\/jcil.2025.10.2.03<\/p>\n[\/et_pb_text][et_pb_tabs admin_label=”Abstract & References” _builder_version=”4.24.3″ _module_preset=”default” body_text_align=”justify” global_colors_info=”{}”][et_pb_tab title=”Abstrak” _builder_version=”4.24.3″ _module_preset=”default” body_text_align=”justify” global_colors_info=”{}”]<\/p>\n
Beli Dahulu Bayar Kemudian (Buy Now Pay Later, BNPL) merupakan satu bentuk pembiayaan ansuran yang berpotensi meringankan beban perbelanjaan pengguna. Walaupun BNPL sering dianggap sebagai inovasi kewangan moden yang menawarkan kemudahan pengurusan belanjawan, kajian-kajian terdahulu menunjukkan pelaksanaannya masih menimbulkan persoalan dari sudut pematuhan terhadap prinsip syariah dan etika Islam. Kajian ini menggunakan pendekatan tinjauan literatur bagi memastikan pencarian bukti yang menyeluruh serta penonjolan hasil kajian yang telus. Oleh itu, fokus utama kajian ini adalah untuk menilai sejauh mana BNPL boleh disesuaikan sebagai medium pengurusan perbelanjaan yang selari dengan syariat dan prinsip etika Islam. Hasil analisis terhadap literatur terpilih mendapati bahawa BNPL berpotensi menjadi instrumen pengurusan kewangan yang menyumbang kepada pengurangan jurang ekonomi, selaras dengan keperluan semasa. Malah, ia juga mampu mengimbangi inovasi teknologi dengan elemen kemudahan, keadilan dan perlindungan pengguna. Penambahbaikan dari segi garis panduan, penggubalan akta serta peningkatan literasi kewangan disarankan agar lebih responsif terhadap keperluan individu dan komuniti Muslim, demi menjamin kelestarian hidup yang beretika dan berlandaskan syariat.<\/p>\n
KATA KUNCI
BNPL, Prinsip Syariah, Etika Islam<\/p>\n
[\/et_pb_tab][et_pb_tab title=”Abstract” _builder_version=”4.24.3″ _module_preset=”default” body_text_align=”justify” global_colors_info=”{}”]<\/p>\n
Buy Now Pay Later (BNPL) is a form of instalment financing that has the potential to ease consumers\u2019 spending burdens. Although BNPL is often considered as a modern financial innovation that facilitates budget management, previous studies have raised concerns regarding its compliance with Shariah principles and Islamic ethics. This study adopts a literature review approach to ensure a comprehensive evidence and transparent presentation of findings. Thus, the main focus of this study is to assess the extent to which BNPL service can be adapted as a budgeting tool that aligns with Shariah and Islamic ethical principles. Analysis of selected literature indicates that BNPL has the potential to become a financial management instrument that contributes to reducing the economic gap, in line with current needs. Furthermore, it has the capability to balance a technological innovation with elements of convenience, fairness and consumer protection. Improvements in regulatory guidelines, legislative frameworks and financial literacy are
recommended to be more responsive to the needs of Muslim individuals and communities, thereby ensuring the sustainability of an ethical and Shariah compliant standard of living.<\/p>\n
KEYWORDS
BNPL, Shariah principles, Islamic ethics<\/p>\n
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DECEMBER 2025Beli Dahulu Bayar Kemudian (BNPL) Sebagai Wahana Perbelanjaan Patuh Syariah dan Beretika: Satu Tinjauan LiteraturBuy Now Pay Later (BNPL) as a Shariah-Compliant and Ethical Spending Mechanism: A Literature ReviewNurlailatul Akma Abu Bakar, naab6162@gmail.comResearch Centre for Sharia, Faculty of Islamic Studies, Universiti Kebangsaan MalaysiaAhmad Dahlan SallehResearch Centre for Sharia, Faculty of Islamic Studies, Universiti Kebangsaan […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-4576","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/pages\/4576","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/comments?post=4576"}],"version-history":[{"count":6,"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/pages\/4576\/revisions"}],"predecessor-version":[{"id":4795,"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/pages\/4576\/revisions\/4795"}],"wp:attachment":[{"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/media?parent=4576"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}