Principle 5C as an Effort to Settle Problem Financing at Shopepaylater

Abstrak

Shopeepaylater is a payment method using the bailout method from the Shopee application via installments without a credit card. In the current period of technological development, people are increasingly abreast of existing developments, including in the payment system, because with the financing made, there will be the possibility of a default being made and the efforts that must be made to avoid problematic financing. This study reviews how to minimize problematic financing on shopepaylater by using the 5C principles and saad al-dzari’ah. This research includes field research, namely by using descriptive qualitative. Sources of data needed in this study consisted of primary data and secondary data with data collection methods carried out using interviews, documentation, and observation. This study concludes that the 5C principle as an effort to resolve problem financing has fulfilled the prevention criteria but in the evaluation of the shopee application it has not been fully implemented the 5C principle has fulfilled sadd Al-dzari’ah because these efforts can hinder mafsadatan which can cause damage.