Optimal: Jurnal Ekonomi dan Manajemen
Vol. 5 No. 2 (2025): Jurnal Ekonomi dan Manajemen

Dari E-Wallet Hingga Cryptocurrency : Analisis Inovasi Keuangan di Kalangan Gen-Z Berdasarkan Perspektif Hukum Islam

Rinaldi Rinaldi (Universitas Negeri Medan)
Ramadhan Saleh Lubis (Universitas Negeri Medan)
Fidia Wati (Universitas Negeri Medan)
Uswatul Akmalia (Universitas Negeri Medan)
Rina Rina (Universitas Negeri Medan)
Salma Diani (Universitas Negeri Medan)



Article Info

Publish Date
07 Jun 2025

Abstract

The development of financial technology (fintech) has given birth to many financial innovations. For the younger generation, especially gen-z, of course this is a supporting tool in everyday life. One real form of technological progress is the emergence of various digital financial services. This study is intended to review existing financial innovations from an Islamic perspective. The research method used is a qualitative research method, where data is obtained through literature studies. The results and discussion state that the use of E-Wallet can still be justified, while the use of pay-later is still debated because it contains elements of usury or fines. Cryptocurrency itself has not yet been found to be clear regarding its law, but the majority of scholars forbid it because of the elements of gharar (unclarity), and elements of gambling in its investment. However, if used in transactions, some scholars still accept it. Regarding other innovations such as Qurban, Sedekah and Zakat fitrah online, generally the law is permitted as long as the requirements for its validity can be met. However, most scholars recommend it offline or face-to-face.

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Journal Info

Abbrev

optimal

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Description

OPTIMAL: Jurnal Ekonomi dan Manajemen berfokus pada penerbitan artikel berkualitas tinggi yang didedikasikan untuk semua aspek penelitian, masalah, dan perkembangan terbaru di bidang Ilmu Manajemen. Topik dalam Jurnal ini berkaitan dengan aspek apapun dari manajemen, namun tidak terbatas pada topik ...