IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah
Vol. 5 No. 1 (2026): Volume 5 Nomor 1 Tahun 2026

Comparison of the Legitimacy of Digital Gold Investment from the Perspective of Islamic Economic Law: A Normative Approach

Nurul Isna Faizatul Munna (UIN Sayyid Ali Rahmatullah Tulungagung)



Article Info

Publish Date
23 Apr 2026

Abstract

This study aims to examine the comparison of digital gold investment practices on the DANA and Tring! By Pegadaian applications and the legitimacy of digital gold investment from the perspective of Sharia Economic Law. The approach used in this study is normative qualitative. The types of data used are primary and secondary data. Primary data was obtained using the observation method on both applications. Meanwhile, secondary data was obtained through literature study. The data analysis technique used descriptive analysis by grouping data, interpreting data, and providing an overall interpretation. This resulted in the finding that the digital gold investment mechanisms on the DANA and Tring! by Pegadaian applications both make it easy for people to invest in gold digitally through account creation, balance top-ups, purchases, price monitoring, and gold sales. DANA Emas offers a simpler process with disbursement generally in the form of balance, while Tring! by Pegadaian provides more diverse services through savings and gold installments as well as physical gold exchange. From the perspective of Sharia Economic Law, digital gold investment on both applications is deemed valid because it uses Sharia-compliant contracts, namely the sale and purchase contract (bai'), wadi'ah, and wakalah bil ujrah, as well as the murabahah contract for the gold installment service on Tring! by Pegadaian.

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Journal Info

Abbrev

JI

Publisher

Subject

Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

Description

JThis journal focused on Islamic law on economics and finance studies and present developments through the publication of articles. Specifically, the journal will deal with topics, including but not limited to Islamic law on Islamic Banking, Islamic Marketing, Islamic Human Resources, Islamic ...