Algorithmic Injustice in E-Contract Termination: Islamic and Indonesian Legal Analysis of Shopee’s Return Policy
Abstract
Algorithmic automation in digital transactions often overlooks substantive justice, as evidenced by the automatic approval feature within Shopee’s return and refund policy, which triggers systemic injustice for sellers. This research aims to analyze the unilateral termination of contracts by algorithmic systems through the perspectives of Islamic Law and Indonesian Positive Law. Employed a socio legal research method with case, statutory, and comparative approaches, this study discussed the anomaly of termination as a system act. The results indicated the auto-acc feature created technical coercion that paralyzes the seller’s verification rights and violates the principle of An Tarāḍin, thereby triggering buyer moral hazard risks. Theoretically, this research contributes through the integration of Contractual Balance Theory and Maqāṣid al-Mu‘āmalah to identify bargaining position distortions in algorithmic termination. The research conclusion affirmed that the platform’s absolute discretion violates the doctrine of good faith and property protection (ḥifẓ al-māl). It is recommended to establish a digital economic law harmonization model that mandates human oversight, and compensation mechanisms (ta‘wīḍ) to ensure the integrity of a substantively fair e-commerce ecosystem.
Abstrak
Otomatisasi algoritma dalam transaksi digital sering kali mengabaikan keadilan substantif, sebagaimana terlihat pada fitur persetujuan otomatis pada fitur pengembalian barang/dana Shopee yang memicu ketidakadilan sistemik bagi penjual. Penelitian ini bertujuan menganalisis terminasi akad sepihak oleh sistem algoritma melalui perspektif Hukum Islam dan Hukum Positif Indonesia. Menggunakan metode penelitian hukum sosiologis dengan pendekatan kasus, perundang-undangan, dan perbandingan, penelitian ini membedah anomali terminasi sebagai tindakan sistem (system-act). Hasil penelitian menunjukkan bahwa fitur auto-acc menciptakan paksaan teknis (technical coercion) yang melumpuhkan hak verifikasi penjual dan mencederai asas ‘An Tarāḍin, sehingga memicu risiko moral hazard pembeli. Secara teoretis, penelitian ini memberikan kontribusi melalui integrasi Teori Keseimbangan Kontraktual dan Maqāṣid al-Mu‘āmalah untuk mengidentifikasi distorsi posisi tawar dalam terminasi algoritmik. Simpulan penelitian menegaskan bahwa diskresi absolut platform melanggar doktrin itikad baik dan perlindungan harta (ḥifẓ al-māl). Direkomendasikan adanya model harmonisasi hukum ekonomi digital yang mewajibkan pengawasan manusia (human oversight) dan mekanisme kompensasi (ta‘wīḍ) guna menjamin integritas ekosistem e-commerce yang berkeadilan substantif.
References
Alfan, A. (2025). Seller Terancam Rugi Dengan Fitur Pengembalian Barang Di Acc Otomatis Shopee. Retrieved from www.youtube.com website: https://www.youtube.com/watch?v=ejkvrFcnHv8
Andriani, F., & Zulfitri, I. (2021). Berakhirnya Kontrak dalam Perspektif Hukum Islam dan Hukum Perdata. Al-Ahkam: Jurnal Syari’ah Dan Peradilan Islam, 1(2), 18–31.
Anwar, S. (2010). Hukum Perjanjian Syariah: Studi tentang Teori Akad dalam Fikih Muamalat (cet. ke-2). Jakarta: Rajawali Pers.
Ardhiyaningrum, F. (2024). Strategi Penyusunan Kontrak yang Mengurangi Resiko Sengketa Bisnis. Parlementer: Jurnal Studi Hukum Dan Administrasi Publik, 1(4), 246–259.
Basedow, J. (2000). Uniform law Conventions and the UNIDROIT Principles of International Commercial Contracts. Uniform Law Review - Revue de Droit Uniforme, 5(1), 129–139. https://doi.org/10.1093/ulr/5.1.129
Bayyah, A. ibn S. M. ibn. (2018). Maqashid al-Muamalah wa Marashid al-Waqi’at (cet. ke 5). Dubai: Al-Muwatta’ Center.
Bork, K., & Wandt, M. (2020). “Utmost” good faith in German contract law. Zeitschrift Für Die Gesamte Versicherungswissenschaft, 109(2–4), 243–254. https://doi.org/10.1007/s12297-020-00478-6
Burton, S. J. (1980). Breach of Contract and the Common Law Duty to Perform in Good Faith. Harvard Law Review, 94(2), 369. https://doi.org/10.2307/1340584
Cahyo, Y. T., & Kurnianingsih, M. (2023). Pacta Sunt Servanda: Legal Dynamics in Indonesian Context. Walisongo Law Review (Walrev), 5(1), 31–54. https://doi.org/10.21580/walrev.2023.5.1.14585
Cheong, H. J., & Morrison, M. A. (2008). Consumers’ Reliance on Product Information and Recommendations Found in UGC. Journal of Interactive Advertising, 8(2), 38–49. https://doi.org/10.1080/15252019.2008.10722141
Choliza, T., & Zakiruddin, M. A. (2025). Legal Protection For Customers In Murabahah Transactions Within Islamic Banking. Mu’amalah: Jurnal Hukum Ekonomi Syariah, 4(2), 257–272. https://doi.org/10.32332/muamalah.z28svr77
Comair-Obeid, N. (1996). Particularity of the Contract’s Subject-Matter in the Laws of the Arab Middle East. Arab Law Quarterly, 11(4), 331–349. https://doi.org/10.1163/157302596X00020
Darnia, M. E., Ikhsan, M., Apriansyah, Y., Pitaloka, A. A., Nurhaliza, & Robani, M. (2023). Hukum Perjanjian dalam Ekonomi dan Bisnis di Indonesia. Civilia: Jurnal Kajian Hukum Dan Pendidikan Kewarganegaraan, 2(6), 244–252.
Fadilah, N. (2025). Transformation of Sharia Law by Blockchain and Smart Contracts in Modern Transaction Dynamics. Sipakainge: Inovasi Penelitian, Karya Ilmiah, Dan Pengembangan (Islamic Science), 3(4), 106. https://doi.org/https://doi.org/10.35905/sipakainge.v3i4.14576
Fajriana, M. M. (2021). How Are Business Actors Responsible for Consumer Losses in Default Cases? An Analysis of Indonesian Consumer Protection Law. Journal of Law and Legal Reform, 2(2), 187–196. https://doi.org/10.15294/jllr.v2i2.46614
Farnsworth, E. A. (1963). Good Faith Performance and Commercial Reasonableness under the Uniform Commercial Code. The University of Chicago Law Review, 30(4), 666. https://doi.org/10.2307/1598757
Fitri, A., & Hidayah, A. N. (2023). Tinjauan Yuridis Maqashid Syariah Terhadap Penghimpunan Dana Bank Syariah. Ecobankers : Journal of Economy and Banking, 4(2), 136–145. https://doi.org/10.47453/ecobankers.v4i2.1093
Gad Makhlouf, A. (2024). Continuity and Change of Traditional Islamic Law in Modern Times: tarjīḥ as a Method of Adaptation and Development of Legal Doctrines. Oxford Journal of Law and Religion, 12(1), 55–74. https://doi.org/10.1093/ojlr/rwad010
Hafid, A., Bahri, S., Marzuki, S. N., Muis, M., & Idayanti, R. (2024). The Application of Khiyar Principles to E-Commerce Transaction: The Islamic Economy Perspective. Samarah: Jurnal Hukum Keluarga Dan Hukum Islam, 8(1), 403. https://doi.org/10.22373/sjhk.v8i1.20890
Hassan, H. (2001). The Promissory Theory of Contracts in Islamic Law. Yearbook of Islamic and Middle Eastern Law Online, 8(1), 45–72. https://doi.org/10.1163/221129802X00058
Henke, H. (2024). Contract Law in Germany. In Are Legal Systems Converging or Diverging? (pp. 149–168). Cham: Springer International Publishing. https://doi.org/10.1007/978-3-031-38180-5_9
Herliandis Shodiqin, D., & Rijal Arifin, S. (2021). Optimalisasi Penerapan Akad-Akad dalam Produk Digital Perbankan Syariah. At-Tasharruf: Jurnal Kajian Ekonomi Dan Bisnis Syariah, 3(2), 64.
Hesselink, M. W. (2008). The Common Frame of Reference as a Source of European Private Law. Tulane Law Review, 83(4), 919–971.
Holijah, H., & Rizal, M. (2022). Islamic Compensation Concept: The Consumer Dispute Settlement Pattern in Indonesia. Samarah: Jurnal Hukum Keluarga Dan Hukum Islam, 6(1), 98. https://doi.org/10.22373/sjhk.v6i1.8951
Ishaq, I., & Ridwan, M. (2023). A study of umar bin Khatab’s Ijtihad in an effort to formulate Islamic law reform. Cogent Social Sciences, 9(2). https://doi.org/10.1080/23311886.2023.2265522
Jamil, A. S. (2018). Pembatalan Kontrak dalam Hukum Transaksi Islam. Mu’amalat: Jurnal Kajian Hukum Ekonomi Syariah, 1(1), 55–66.
Khafifi, U. A. (2024). Consumer protection in the perspective of law no. 8 of 1999 and the perspective of islamic law for users of boat transportation services in Medang Hamlet, West Secotong Village. Ex Aequo Et Bono Journal Of Law, 2(1), 55. https://doi.org/10.61511/eaebjol.v2i1.2024.862
Kirana, C., & Yunanto, Y. (2023). Perlindungan dan Tanggung Jawab Hukum Atas Pembatalan Transaksi Jual Beli Melalui Metode Cash On Delivery di E-Commerce. AL-MANHAJ: Jurnal Hukum Dan Pranata Sosial Islam, 5(2), 1977. https://doi.org/10.37680/almanhaj.v5i2.3443
Koch, S. (2023). An Introduction to German Legal Culture. In Handbook on Legal Cultures (pp. 611–662). Cham: Springer International Publishing. https://doi.org/10.1007/978-3-031-27745-0_16
Krippendorff, K. (2019). Content Analysis: An Introduction to Its Methodology (Fourth Edi). Fourth Edi. Thousand Oaks, California: SAGE Publications, Inc.
Lie, C., Natashya, Clarosa, V., Yonatan, Y. A., & Hadiati, M. (2023). Pengenalan Hukum Kontrak Dalam Hukum Perdata Indonesia. Jurnal Kewarganegaraan, 7(1), 918. https://doi.org/10.31316/jk.v7i1.4831
Munawar, M. (2022). The Legality of Smart Contract in the Perspectives of Indonesian Law and Islamic Law. Al-Istinbath : Jurnal Hukum Islam, 7(1), 269. https://doi.org/10.29240/jhi.v7i1.4140
Muslimah, F. A.-F., & Faslah, R. (2025). Analisis Hukum Positif Dan Syariah Di Indonesia Pada Kontrak Bisnis Dan Jual Beli Perdagangan. Jurnal Ekonomi Dan Bisnis Digital, 2(4), 2305–2312.
Nilamsari. (2015). Kontrak (Akad) dan Implementasinya pada Perbankan Syariah di Indonesia. Banda Aceh: PeNA.
Noor, A. (2023). Socio-Legal Research: Integration of Normative and Empirical Juridical Research in Legal Research. Jurnal Ilmiah Dunia Hukum, 7(2), 94. https://doi.org/10.56444/jidh.v7i2.3154
Nst, A. A. & Imsar, I. (2025). Analisis Fiqih Muamalah dalam Transaksi Jual Beli Online Menurut Perspektif Hukum Islam dan Syariah. Jurnal Ilmiah Ekonomi, Akuntansi, Dan Pajak, 2(3), 191–201. https://doi.org/10.61132/jieap.v2i3.1543
Nurhalis. (2015). Consumer Protection In The Perspective Of Islamic Law And Law Number 8 of 1999. Jurnal Ius Kajian Hukum Dan Keadilan, 3(3). https://doi.org/https://doi.org/10.12345/ius.v3i9.267
Nwafor, N., Orabueze, C., Erinne, U., Iyoyoejie, L., & Aduaka, C. (2022). Modern Issues and Challenges in Contract Frustration. Business Law Review, 43(Issue 3), 122–125. https://doi.org/10.54648/BULA2022017
Pauzi, M., Arianti, F., Masum, A., & Rani, M. (2024). Actualizing Islamic Economic Law in the Digital Era: A Study of the Application of Khiyar al-Majlis in Electronic Contracts. Juris: Jurnal Ilmiah Syariah, 23(2), 205–214. https://doi.org/10.31958/juris.v23i2.11573
Piryanti, M. (2014). Akibat Hukum Perjanjian (Akad) dan Terminasi Akad. At-Tahdzib, 2(1), 1–26.
Ratrisari, E. P., Rajagukguk, J. P., Napitu, P. O., Manalu, V. E., & Ginting, G. N. (2025). Dynamics of Contract Cancellation in Civil Law and its Relevance for Consumer Protection. International Journal of Law and Emerging Research, 20(2). https://doi.org/https://doi.org/10.21070/ijler.v20i2.1290
Robbani, S., Yasid, A., & Sanuri, S. (2021). The revitalization of Maqasid al-Mu‘amalat according to Abdullah bin Bayyah and Its implications on Islamic law. Research, Society and Development, 10(14). https://doi.org/10.33448/rsd-v10i14.21295
Santosa, D. G. G., Dewi, E., & Fardiansyah, A. I. (2026). Constraining Bankruptcy as an Ultimum Remedium. International Journal of Business, Law, and Education, 7(1), 35–42. https://doi.org/10.56442/ijble.v7i1.1332
Saputra, B. S. P., Nasrullah, M. H., Muslim, N. A., Hakim, & Abdul, M. H. (2025). Relevansi Legalitas Akad Syariah dalam Mewujudkan Kepastian Hukum dan Keadilan Ekonomi Islam. Jurnal Ilmu Sosial Dan Humaniora, 1(3), 588. https://doi.org/https://doi.org/10.63822/qd375r30
Shopee. (2025). Kebijakan Pengembalian Barang dan/atau Dana.
Solihin, M., Haryadi, A. M., & Rohanda, R. (2024). Islamic Jurisprudence (Fiqh Science) in an Epistemological Perspective. International Journal of Social Science and Human Research, 07(12), 9617. https://doi.org/10.47191/ijsshr/v7-i12-100
Sulistianingsih, D., Wijaya, C. C., Yusoff, R. M., & Adhi, Y. P. (2024). Juridical Consequences of Anticipatory Breach as a Form of Breach of a Contract. Journal of Indonesian Legal Studies, 9(1), 131–154. https://doi.org/10.15294/jils.vol9i1.4537
Sup, D. F. A., Hartanto, S., & Muttaqin, R. (2020). Konsep Terminasi Akad dalam Hukum Islam. Ijtihad: Jurnal Hukum Dan Ekonomi Islam, 14(2), 137–152. https://doi.org/10.21111/ijtihad.v14i2.4684
Suwikromo, S. (2015). Pemberlakuan Asas Kebebasan Berkontrak Menurut Hukum Perdata terhadap Pelaksanaannya dalam Praktek. Lex Privatum, 3(4).
Tandiono, R. O., & Lumban Gaol, H. S. (2025). Perlindungan Hukum bagi Konsumen terhadap Pembatalan Transaksi Jual Beli Online menggunakan Metode Paylater. Kertha Patrika, 47(2), 179. https://doi.org/10.24843/KP.2025.v47.i02.p04
Visi Yustisia, T. (2015). Kitab Undang-undang Hukum Perdata (KUH Perdata). Jakarta Selatan: Visimedia.
Wahidah, Z. (2020a). Berakhirnya Perjanjian (Akad) Menurut Hukum Islam. Tahkim: Jurnal Peradaban Dan Hukum Islam, 3(2), 21–38.
Wahidah, Z. (2020b). Berakhirnya Perjanjian Perspektif Hukum Islam dan Hukum Perdata. Tahkim (Jurnal Peradaban Dan Hukum Islam), 3(2), 21–37. https://doi.org/10.29313/tahkim.v3i2.6435
Wiwin Dwi Ratna Febriyanti. (2022). Abuse of Circumstances (Misbruik Van Omstandigheden) in Developing Contract Law in Indonesia. US-China Law Review, 19(2). https://doi.org/10.17265/1548-6605/2022.02.003
Yunita, I., & Suganda, R. (2023). Interkonektif Hukum Islam dan Hukum Positif pada Berakhirnya Kontrak (Akad) Bisnis Syariah. Jurnal Ilmiah Ekonomi Islam, 9(3), 3705. https://doi.org/10.29040/jiei.v9i3.11002
Copyright (c) 2026 Ahmad Musadad, Achmad Badarus Syamsi, Fajar, Muttaqin Choiri, Imamuddin

This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
By submitting an article manuscript, the author agrees to this policy. No special document approval is required.
- The author warrants that the article is original, written by a specific author, and has not yet been published. contains no illegal statements, authorizes the co-authors to enter into these agreements, does not infringe the rights of others, is subject to copyright owned solely by the author, Written permission to quote from other sources obtained from the authors that they are free from the rights of third parties;
- The author retains the copyright and grants initial publication rights to the journal, as well as licensing the work under the Creative Commons Attribution License. This allows others to share their work, crediting the authors of the work and their initial publication in this journal;
- Authors can distribute published articles by sharing the article link or DOI in the Tadayun: Jurnal Hukum Ekonomi Syariah. Authors may use articles for any legal purpose they deem necessary without written permission from the journal, with approval for initial publication in that journal;
- The author acknowledges that All articles published open access are immediately and such access will be free to view and download by anyone.

_(1).png)
.png)
.png)
1.png)
_(1)1.png)


All articles in the Tadayun: Jurnal Hukum Ekonomi Syariah are licensed under a