ANALISIS TRANSAKSI UANG CRYPTOCURRENCY DALAM PANDANGAN ISLAM

Abstract

Cryptocurrency is a digital currency that resides in an open source P2P (peer-to-peer) payment network system. Cryptocurrency is often referred to as Bitcoin, which is a form of payment instrument that uses cryptography or a special security algorithm to control the management and manufacture of Bitcoin. Meanwhile, the Indonesian government, especially the Commodity Futures Trading Supervisory Agency (BAPPEBTI), is still continuing to review and issue several regulations regarding Cryptocurrency assets. The purpose of this study is to see how the use of crypto money is in an Islamic perspective, and how the MUI views regarding the use of crypto money. The design of this scientific work uses a qualitative research approach by using a literature study of 16 Sinta indexed papers that are relevant to the research question. Therefore the researcher is interested in digging deeper into how to use crypto money in an Islamic view. Furthermore, the researcher wants to discuss how the MUI views the use of crypto money. The results of this study indicate that the existence of cryptocurrency still has pros and cons both in terms of regulation and legality, especially from the point of view of Islamic law for its use. And from the halal aspect, cryptocurrency is synonymous with high speculation (maytsir) and this is not allowed in Islamic economics. In addition, the absence of legality given by the state to cryptocurrencies makes its activities in the Islamic economy fall into the realm of haram. From a social/environmental aspect where the nature of crypto is very speculative and related to money laundering and crime, it will be difficult to understand who is actually behind this particular project.