Penyusunan Model Cryptocurrency yang Sesuai Syariah
DOI:
https://doi.org/10.15575/kl.v6i1.40641Keywords:
Crypto, Currency, Halal, ShariaAbstract
This study discusses a cryptocurrency model that is in accordance with Islamic sharia principles. The study was conducted using a qualitative method involving interviews with experts in digital technology and Islamic finance, as well as secondary data analysis from various literatures. The results of the study show differences in the views of scholars regarding the permissibility of cryptocurrency, where some state it is halal, some are haram, and others are neutral. The elements that make cryptocurrencycontroversial in sharia include uncertainty, excessive speculation, and the absence of supporting assets. This study offers a halal cryptocurrency model that is free from gharar, maysir, has supporting assets, is under the supervision of sharia authorities, is transparent, safe, free from usury, and is supported by fatwas. This model aims to provide a halal alternative for Muslims in transacting using modern cryptocurrency technology.
References
Abadi, K., Ahmad Taufiq, & Rizka Roikhana. (2023). Cryptocurrency and Crypto Assets in the Perspective of Islamic Legal System Philosophy. Hikmatuna : Journal for Integrative Islamic Studies, 9(2), 131–146. https://doi.org/10.28918/hikmatuna.v9i2.1216
Beincrytpto. (2024). https://id.beincrypto.com/belajar/penasaran-siapa-pemilik-bitcoin-terbanyak-di-2022-cari-tahu-di-sini/
Billah, M. M. (2019a). Cryptocurrency? Its Halal Alternative Model. In M. M. Billah (Ed.), Halal Cryptocurrency Management (pp. 3–14). Springer International Publishing. https://doi.org/10.1007/978-3-030-10749-9_1
Billah, M. M. (2019b). Halal Cryptocurrency: Its Establishment and Operational Mechanisms. In M. M. Billah (Ed.), Halal Cryptocurrency Management (pp. 221–234). Springer International Publishing. https://doi.org/10.1007/978-3-030-10749-9_14
Billah, M. M. (Ed.). (2019c). Halal Cryptocurrency Management. Springer International Publishing. https://doi.org/10.1007/978-3-030-10749-9
Birjaman, M. I., Marits, S. A., & Herman, S. (2024). Cryptocurrency in Islamic View: Sentiment Analysis Method Approach. Jurnal Ilmiah Manajemen Kesatuan, 12(1), 27–32. https://doi.org/10.37641/jimkes.v12i1.2341
Coinvesta. (2024). https://coinvestasi.com/berita/riset-lebih-dari-580-juta-orang-di-dunia-sekarang-punya-aset-kripto
Creswell, J. W., & Creswell, J. D. (2018). Research Design: Qualitative, Quantitative, and Mixed Methods Approaches. 2018, 5.
Digivesta. (2024). https://www.digivestasi.com/news/detail/aset_kripto/prediksi-masa-depan-cryptocurrency-pertumbuhan-global-pemilik
Effendi, S. & Tukiran (Eds.). (2017). Metode penelitian survei (Cetakan ketia pulu dua, (edisi revisi)). LP3ES.
Fuadi, F., Afrizal, A., Shabri Abd. Majid, M., Marliyah, M., & Handayani, R. (2022). A STUDY OF LITERATURE: CRYPTOCURRENCY OF SYARIAH PERSPECTIVE. International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS), 2(1), 1–8. https://doi.org/10.54443/ijebas.v2i1.135
Hasanudin, H. & Nuning Haryati. (2023). REVIEW OF THE AL-SHARF ACADEMIC ON THE PURCHASE AND SALE TRANSACTIONS OF DIGITAL CRYPTOCURRENCY ASSETS IN TOKOCRYPTO APPLICATION. IQTISHOD: Jurnal Pemikiran Dan Hukum Ekonomi Syariah, 2(2), 102–114. https://doi.org/10.69768/ji.v2i2.25
Hassan, M. K., Muneeza, A., & Mohamed, I. (2025). Cryptocurrencies from Islamic perspective. Journal of Islamic Accounting and Business Research, 16(2), 390–410. https://doi.org/10.1108/JIABR-09-2022-0238
Katterbauer, K., Syed, H., Cleenewerck, L., & Genc, S. (2022). Sharia Compliance of Cryptocurrencies: Data-Driven Sharia Compliance Assessment. Talaa : Journal of Islamic Finance, 2(2), 75–85. https://doi.org/10.54045/talaa.v2i2.691
Mohammed Nabeel. K & Dr. M. Sumathy. (2024). Navigating the Halal Frontier: The Legality of Cryptocurrency in Islamic Finance. International Journal of Advanced Research in Science, Communication and Technology, 469–474. https://doi.org/10.48175/IJARSCT-15465
Muneeza, A., Bin-Nashwan, S. A., Abdel Moshin, M. I., Mohamed, I., & Al-Saadi, A. (2023). Zakat payment from cryptocurrencies and crypto assets. International Journal of Islamic and Middle Eastern Finance and Management, 16(3), 482–497. https://doi.org/10.1108/IMEFM-12-2021-0487
Pintu. (2023). https://pintu.co.id/news/67745-pemilik-crypto-capai-580-juta-2023
Rosele, M. I., Muneem, A., Seman, A. B. C., Abdullah, L. H., Rahman, N. N. A., Sukor, M. E. A., & Ali, A. K. (2023). Imposing zakat on cryptocurrency (Bitcoin): A Shariah appraisal. Global Business and Economics Review, 28(1), 91. https://doi.org/10.1504/GBER.2023.127550
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Hendra Setiawan

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).