LEGAL ANALYSIS OF DEFAULT IN SALE AND PURCHASE TRANSACTIONS USING THE CASH ON DELIVERY PAYMENT METHOD ON THE SHOPEE MARKETPLACE
Keywords:
breach of contract, Customer Protection, Cash on Delivery, Islamic JurisprudenceAbstract
The development of the e-commerce banking system in Indonesia has led to the rise of the Cash on Delivery (COD) payment method, which is a popular choice among consumers. However, the practice of COD also poses a risk of default: consumers refusing to pay or accept goods without a valid reason, which is detrimental to sellers and couriers. This study aims to analyse the problem of default in COD transactions on the Shopee marketplace from the perspectives of positive law, muamalah fiqh, and the Consumer Protection Law. The research method employs a normative-empirical approach, including a review of legal documents and the literature, as well as interviews with Shopee consumers and couriers. The results of the study show that COD transactions have the characteristics of a cash sale-and-purchase agreement (bai’mutlaq) but contain elements of uncertainty (gharar) for the seller. Formal law enforcement is limited to small transactions, so platform law becomes a practical mechanism for resolving disputes internally. This study emphasises the need to strengthen regulations, transparent internal marketplace procedures, and consumer legal education to ensure that COD transactions are fair, safe, and in accordance with Sharia principles.
References
Achyar, Muhammad, Chairul Fahmi, and Riadhus Sholihin. ‘ISLAMIC LAW REVIEW OF MONOPOLY PRACTICES IN MODERN ECONOMICS’. Al-Mudharabah: Jurnal Ekonomi Dan Keuangan Syariah 5, no. 2 (2024): 288–308.
Akbar, Wahyu, Rahmad Kurniawan, Ahmad Dakhoir, and Chairul Fahmi. ‘Optimization of Sharia Banking Regulations in Developing the Halal Cosmetic Industry in Indonesia’. Jurnal Ilmiah Al-Syir’ah 22, no. 1 (June 2024): 1–12. https://doi.org/10.30984/JIS.V22I1.2611.
Ali, Zainuddin. Metode Penelitian Hukum. Jakarta: Sinar Grafika, 2018.
Az-Zuhaili, Wahbah. Al-Fiqh al-Islami Wa Adillatuhu. Damaskus: Dar al-Fikr, 2011.
Badriyah, Hurriyah. Rahasia Sukses Besar Bisnis Tanpa Modal. Jakarta: Kunci Komunikasi, 2014.
Fahmi, Chairul. ‘Analysis Of Legal Aspects On Capital Investment Fraud In Indonesia’. Proceeding of International Conference on Sharia Economic Law (ICoShEL) 1, no. 1 (September 2024): 1.
Fahmi, Chairul, Audia Humairah, and Ayrin Sazwa. ‘MODEL OF LEGAL DISPUTE RESOLUTION FOR BUSINESS CONTRACT DEFAULT’. JURISTA: Jurnal Hukum Dan Keadilan 7, no. 2 (December 2023): 242–63. https://doi.org/10.22373/JURISTA.V7I2.228.
Fahmi, Chairul, Peter-Tobias Stoll, Shabarullah Shabarullah, Malahayati Rahman, and Syukri Syukri. ‘The State’s Business Upon Indigenous Land in Indonesia: A Legacy from Dutch Colonial Regime to Modern Indonesian State’. Samarah: Jurnal Hukum Keluarga Dan Hukum Islam 8, no. 3 (August 2024): 1566–96. https://doi.org/10.22373/SJHK.V8I3.19992.
Fuady, Munir. Hukum Kontrak (Dari Sudut Pandang Hukum Bisnis). Bandung: Citra Aditya Bakti, 2016.
‘Goodstats.Id, “Daftar e-Commerce Terfavorit Dikunjungi”, Dikutip Pada Www.Goodstats.Id.’
Hasil Wawancara Bersama Hasan, Kostumer Shopee (COD) Di Lampulo. n.d.
Hasil Wawancara Bersama Muhammd Iqbal, Kurir Shopee (COD) Di Kuta Alam. n.d.
Huda, Zinol. ‘Analisis Akad Dalam Transaksi Cash On Delivery (COD) Menurut Perspektif Fiqh Muamalah’. Jurnal Ekonomi & Bisnis Syariah 1, no. 1 (2025): 127–42.
Ibrahim, Johnny. Teori Dan Metodologi Penelitian Hukum Normatif. Malang: Bayumedia Publishing, 2012.
Khairandy, Ridwan. ‘Pembaharuan Hukum Kontrak Sebagai Antisipasi Transaksi Electronic Commerce’. Jurnal Hukum IUS QUIA IUSTUM 8, no. 16 (2001): 42.
Kirana, Indra, and Rahmi Ayunda. ‘Sistem Belanja Cash on Delivery (COD) Dalam Perspektif Hukum Perlindungan Konsumen Dan Transaksi Elektronik’. Jurnal Surya Kencana Satu:Dinamika Masalah Hukum Dan Keadilan 13, no. 1 (2022): 69–73.
Kitab Undang-Undang Hukum Perdata, Pasal 1266.
Kitab Undang-Undang Hukum Perdata, Pasal 1320 Dan Pasal 1457.
Kristiyanti, Celina Tri Siwi. Hukum Perlindungan Konsumen. Jakarta: Sinar Grafika, 2019.
Mansur, and Didik M. Cyber Law: Aspek Hukum Teknologi Informasi. Jakarta: Refika Aditama, 2005.
Marzuki, Peter Mahmud. Penelitian Hukum. Jakarta: Kencana, 2017.
Miles, Matthew B, and A. Michael Huberman. Qualitative Data Analysis. California: Sage Publications, 2014.
Miru, Ahmadi, and Sutarman Yodo. Hukum Perlindungan Konsumen. Jakarta: Raja Grafindo Persada, 2017.
Rahman, Abdul. ‘Wanprestasi Dalam Transaksi Jual Beli Online Melalui Fitur Cash On Dilevery Pada Aplikasi Marketplace’. Jurnal Penelitian Hukum 31, no. 2 (n.d.): 110–28.
Soekanto, Soerjono. Faktor-Faktor Yang Mempengaruhi Penegakan Hukum. Jakarta: Rajawali Pers, 2015.
Subekti. Hukum Perjanjian. Jakarta: Intermasa, 2014.
Undang-Undang
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
