Analysis of Cryptocurrency in Islamic Perspective and Its Existence
in Indonesia
Ahmad Ulil Albab Al Umar
1*
, Muhammad Iqbal Adrian
2
, Yuni Inawati
1
,
Muammar Taufiqi Lutfi Mustofa
1
, Arum Teguh Fitriyani
1
1
Islamic Economics and Business Faculty, IAIN Salatiga, Indonesia
2
Faculty of Economics and Business, Universitas Langlangbuana Bandung, Indonesia
Email: ahmadulil.asfebi@gmail.com
Abstract. Along with the erosion of traditional currencies, namely paper money and
coins due to the impact of modernization of global financial technology, digital currencies
have emerged, one of which is cryptocurrency. Cryptocurrency is a digital currency that
uses cryptographic technology as a security system that is difficult to fake, transactions
can be carried out via the internet (online) and each data transaction uses a certain
cryptographic algorithm encoding. However, the existence of cryptocurrencies is still a
matter of debate in Indonesia. This may be due to differences in Islamic law regarding
cryptocurrencies. to find out how the existence of cryptocurrencies in Indonesia,
secondly, to find out how cryptocurrency law is in an Islamic perspective. The research
method uses a qualitative approach. The data in the study are secondary data derived from
articles, websites, and other sources. The results show that cryptocurrency is an illegal
transaction according to the government but not an illegal transaction because it has been
inaugurated by the Commodity Futures Trading Regulatory Agency. Transactions in
cryptocurrencies are legal but against the law because there is speculation, gharar and
maysir.
1. Introduction
Technological developments today cannot be ignored, growing rapidly and rapidly. The global
financial industry circulating around the world is now also developing, which used to use paper and metal
to become digital. Along with the increasing globalization of the world economy in the payment system,
banknotes and coins are always available with a variety of existing denominations and must provide a lot
in the wallet. Now with just the hand of a card or even a smartphone, payments can be completed quickly
and easily. Along with the erosion of traditional currencies, namely paper money and coins due to the
impact of modernization of global financial technology, digital currencies have emerged, one of which is
cryptocurrency.
According Mulyanto (2015) [10] Cryptocurrency is a digital currency that uses cryptographic
technology as a security system that is difficult to fake, transactions can be carried out via the internet
(online) and each data transaction uses a certain cryptographic algorithm encoding. According
Dwicaksana & Pujiyono (2020) [4], The difference between cryptocurrencies and currencies circulating
globally is that they are not issued by a central authority, there is no interference or manipulation from the
85
1st Virtual Workshop on Writing Scientific Article for International Publication Indexed SCOPUS
DOI: 10.2478/9788366675827-016
© 2022 Authors. This is an open access article licensed under the Creative Commons Attribution
NonCommercial-NoDerivs License (http://creativecommons.org/licenses/by-nc-nd/4.0/)