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All Journal Jurnal Humaniora : Jurnal Ilmu Sosial, Ekonomi dan Hukum Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Hulwati Hulwati
UIN Imam Bonjol Padang
Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Economic Fiqh Analysis on Cryptocurrency as a Payment Instrument in Islam Nurul Qosimah Siregar; Nikma Sari Harahap; Anisa Tul Fitri; Hulwati Hulwati; Duhriah Duhriah
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 10 No. 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v10i1.19105

Abstract

The use of cryptocurrencies as a payment instrument is an interesting social phenomenon to discuss. The use of cryptocurrencies as an official payment instrument is still prohibited by Bank Indonesia, but the use of cryptocurrencies continues to grow in Indonesia. BI limits the use of cryptocurrencies only as assets to be invested, not as legal tender. This research aims to analyze the law of cryptocurrency as a payment instrument from the perspective of economic fiqh. The data analysis technique in this study uses a qualitative analysis method that is descriptive-analytical. The researcher analyzed the suitability of the characteristics of cryptocurrency as a payment instrument with the principles of economic fiqh. A conceptual approach is used to explain the concept of cryptocurrency and a normative-theological approach is used to relate the concept to the provisions of Islamic law. The results of the study show that cryptocurrencies can, in principle, be recognized as objects of legal ownership (maal mutaqawwam) in Islam because they have value, can be owned and transferred. Cryptocurrencies can be used as a medium of exchange in Islam on a limited basis, if their use complies with Sharia principles: it is done transparently, free from speculation and usury, and supported by legitimate authorities and systems that guarantee clarity of value and security of transactions. This research emphasizes the importance of developing regulations that are adaptive to digital financial technology, as well as the need to emphasize transparency and avoidance of practices that are contrary to Islamic economic principles.Keywords: Cryptocurrency; Economic Fiqh; Payment Instrument.
Transformation and Resilience of Traditional Markets Amid the Presence of E-commerce Saipul Azis; Adol Bastian; M. Reski M. Reski; Hulwati Hulwati; Johan Septian Putra
Jurnal Humaniora: Jurnal Ilmu Sosial, Ekonomi dan Hukum Vol. 8 No. 2 (2024): October 2024
Publisher : Center for Research and Community Service (LPPM) University of Abulyatama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30601/humaniora.v8i2.5549

Abstract

The rapid growth of e-commerce has changed the modern retail sector dramatically over the past few decades. The recent evolution of the physical retail market, driven by a shift in consumer shopping behavior to online shopping, has caused more and more traditional stores to close. This research aims to determine the transformation and resilience of traditional markets amidst the existence of E-commerce. This type of research uses a descriptive qualitative approach with analytical techniques in the form of content analysis. The research results show that in facing the challenges of this transformation, traditional markets need to adapt by entering the digital realm. Despite being faced with obstacles such as lack of digital literacy, limited resources, and infrastructure constraints, efforts to overcome these obstacles reflect the resilience of traditional markets in facing change. The resilience of traditional markets is reflected in their ability to adapt to new technology, collaborate between business players and government, increase digital literacy, innovate to maintain competitiveness, manage privacy and data security risks, and develop resources through an inclusive financial approach. The government's role is very important in encouraging transformation and facilitating the resilience of traditional markets through support policies, training programs and infrastructure facilitation. In this way, traditional markets can continue to develop, remain an integral element in the economic ecosystem, while maintaining and preserving their cultural and social identity.
Co-Authors Adol Bastian Anisa Tul Fitri Duhriah, Duhriah Johan Septian Putra M. Reski M. Reski Nikma Sari Harahap Nurul Qosimah Siregar Saipul Azis