Perlindungan Hukum Konsumen dalam Pembebanan Biaya Tambahan Cicilan pada Shopee Paylater Perspektif Peraturan Pemerintah Nomor 4 Tahun 2019 dan Hukum Ekonomi Syariah (Studi Kasus di Desa Mijen Kabupaten Demak)

Abstract

This research to find out how the form of legal protection is for consumers who are disadvantaged due to increased costs, when they make transactions whit Qard contracts that use the credit system offered by the Shopee Paylater feature. This research includes field research where data is obtained directly from the research location whit a qualitative approach. The data collection techniques use three kinds, namely observation, interviews and documentation. This research concludes that the implantation of using Shopee Paylater is in great demand in Mijen Village, Demak Regency, because it is a short solution for users to get these items even though they don’t have enough money. Second, the practice carried out is in accordance whit government Regulation Number 4 of 2019 to carry out the functions of the National Consumer Protection Agency (BPKN), which is contrary to Sharia Economic Law in the use of Qard contracts, because there are characteristics that are not allowed to take interest in a transaction.