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All Journal JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) JIEPS: Jurnal Ilmiah Ekonomi Islam dan Perbankan Syariah Fakultas Agama Islam Universitas Muhammadiyah Aceh Al-Iqtishad ZONA: Jurnal Pengabdian Masyarakat SAWEU: Jurnal Pengabdian Kepada Masyarakat SAWEU: Jurnal Pengabdian Kepada Masyarakat
Hendrawan, Yoni
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Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Journal : JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)

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Pengembangan Sistem Pembayaran Berbasis Blockchain dalam Perbankan Syariah: Peluang, Tantangan, dan Perspektif Regulasi Harahap, Khairunnisa; Hendrawan, Yoni
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 9 No 2 (2025): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v9i2.31707

Abstract

The digital transformation in the Islamic financial sector requires the development of more efficient, secure, and transparent payment systems. This study aims to explore the opportunities and challenges of blockchain-based Islamic payment systems and proposes a conceptual framework for developing secure and sharia-compliant digital payment systems. Using a conceptual literature review method and qualitative content analysis of academic sources and regulatory documents, this study finds that blockchain can enhance the efficiency and transparency of Islamic payment systems but requires dual auditing (shariah and technical) and adaptive regulations. This article introduces the “Sharia-Compliant Blockchain Payment Framework”, an original model that integrates Islamic principles from the design stage of digital payment systems. This study represents one of the first conceptual efforts to propose a sharia-compliant blockchain-based payment system framework, contributing to the advancement of Islamic economic law in the digital era.
Co-Authors & Jalaluddin, Asra Febriani Abadi, Khairul Adila, Monica Alam, Tahjul Ali muhajir, Ali Ananda, M. Aditya Ansari, Putri Ardiana, Wirda ASRIL ASRIL Ayu, Putri Azhar, Zahroel Bahrizal Bahrizal Erick, Benni Fika Puspita, Dela Fitri, Rozatul hamsa, amrizal Harahap, Khairunnisa Heriyanto Heriyanto Irayana, Rizka Jamal, Anton Julimas, Alovin Leo Kamelya, Vitrah Lia Murlisa, Lia Maidar, Maidar Mainan, Cut Maslijar, Heri Muhammad Azhari Muhammad Iqbal Mukhsinin, Iqbal Mukhsinuddin, Mukhsinuddin Muliza Muliza, Muliza Munanda, Faddil MZ, Husamuddin Nasrullah Nasrullah Nazaruddin, Saiful Nurita, Cut Rianda, Cut Nova rinaldi, mikhral Rita Sari Rosa, Virda Rosdiana Rosdiana Sumardi Efendi Susantri, Yulia Tanzila, Ridha Taufiq Taufiq Yongna, Icha Zulfarhan, Zulfarhan