Author
Ahmad Muhajir(1
), Mukhtar Lutfi(2), Misbahuddin M(3), Abdul Wahid Haddade(4), Abd Syatar(5),
(1) Pascasarjana, Universitas Islam Negeri Alauddin Makassar,
(2) ,
(3) ,
(4) ,
(5) ,
Corresponding Author
| Article Analytic |
Available online: 2025-01-30 | Published : 2025-01-30
Copyright (c) 2025 Ahmad Muhajir, Mukhtar Lutfi, Misbahuddin M, Abdul Wahid Haddade, Abd Syatar
Article can trace at:
Article Metrics
Abstract Views: 85 times
PDF Downloaded: 110 times
Abstract
This study aims to examine the transformation of blockchain technology within the Islamic financial system at Bank Syariah Indonesia, Makassar Branch, South Sulawesi (from the perspective of fiqh muamalat). The specific objectives of this research are: 1) To analyze the presence and application of blockchain technology in Indonesia's Islamic financial system. 2) To explore the perspective of Fiqh Muamalat regarding the feasibility of utilizing blockchain technology in the Islamic financial system. 3) To identify opportunities and challenges in implementing blockchain technology within the Islamic financial sector. This research employs a qualitative method with a descriptive approach. The findings indicate that: 1) Blockchain has the potential to enhance efficiency, transparency, and reliability in financial systems; however, its implementation in the Islamic sector is hindered by unclear regulations and the necessity to adhere to Sharia principles. 2) The perspective of fiqh muamalat at Bank Syariah Indonesia Makassar recognizes blockchain's potential to support Islamic finance, provided it is designed in compliance with Sharia values. 3) Blockchain technology offers opportunities such as increased transparency, efficiency, financial inclusion, and innovation in Islamic financial products, while its challenges include regulatory readiness, infrastructure development, resistance to change, and data security and privacy.
Keywords
References
Ahmad, A Kadir, ‘Dasar-Dasar Metodologi Penelitian Kualitatif’, Makassar: Indobis Media Centre, 2003
Arwani, Agus, And Unggul Priyadi, ‘Eksplorasi Peran Teknologi Blockchain Dalam Meningkatkan Transparansi Dan Akuntabilitas Dalam Keuangan Islam: Tinjauan Sistematis’, Jurnal Ekonomi Bisnis Dan Manajemen, 2.2 Se-Articles (2024), Pp. 23–37, Doi:10.59024/Jise.V2i2.653
Ata, Sobhi Noureldin, Ahmed K. Hassan, Hossam S. Selim, Badry E. Hammad, Hussien M. Abdelhalim, Abeer M. Abdelhalim, And Others, ‘43| I ’ T H I S O M : J U R N A L E K O N O M I S Y A R I A H Analisis Pengaruh Penggunaan Teknologi Blockchain Dalam Transaksi Keuangan Pada Perbankan Syariah’, Open Journal System Semnasteknomedia Online, 1.1 (2022), Pp. 27–35
Syahrum, Salim, ‘Metodologi Penelitian Kualitatif’, Citapustaka Media, 2012
Dewan Syariah Nasional Majelis Ulama Indonesia, ‘Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia No: 117/Dsn-Mui/Ii/2018 Tentang Layanan Pembiayaan Berbasis Teknologi Informasi Berdasarkan Prinsip Syariah’, 2018, P. 14
Djumadi, ‘Teknologi Blockchain Dalam Perspektif Ekonomi Islam / Keuangan Islam’, Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, 6.4 (2024), Pp. 4335–51, Doi:10.47467/Alkharaj.V6i4.887
Dr. Erwandi Tarmizi, L M A, M B A Suwidi, And P.T.E.T. Konsultan, Harta Haram Muamalat Kontemporer (Hhmk): Dr. Erwandi Tarmizi, Ma (Pt. Erwandi Tarmizi Konsultan)
Dusuki, Asyraf Wajdi, And Nurdianawati Irwani Abdullah, ‘Maqasid Al-Shariah, Maslahah, And Corporate Social Responsibility’, 2007
Faccia, Alessio, And Narcisa Roxana Mosteanu, ‘Accounting And Blockchain Technology: From Double-Entry To Triple-Entry’, The Business And Management Review, 10.2 (2019), Pp. 108–16
Faozi, Mohamad, And Edo Segara Gustanto, ‘Kripto, Blockchain, Bitcoin, Dan Masa Depan Bank Islam: Sebuah Literatur Review’, Quranomic: Jurnal Ekonomi Dan Bisnis Islam, 1.2 (2022), Pp. 127–51
Fatoni, Abdurrahman, ‘Metodologi Penelitian Dan Teknik Penyusunan Tesis’, Jakarta: Ptrineka Cipta, 2009
Fattah, H, I Riodini, W Hasibuan, D N A Rahmanto, M Layli, M H Holle, And Others, Fintech Dalam Keuangan Islam: Teori Dan Praktik (Publica Indonesia Utama, 2022)
Gadai, P B, And A Ihwanuddin, ‘Analisis Hukum Islam Terhadap’, Core.Ac.Uk, 1.3 (2023), Pp. 372–88
Gulo, W, ‘Metodelogi Penelitian’, Jakarta: Grasindo, 2002
Hakim, Ayu Sukreni, And Fauzatul Laily Nisa, ‘Pengembangan Ekonomi Syariah: Tantangan Dan Peluang Di Era Digital’, Jurnal Rumpun Manajemen Dan Ekonomi, 1.3 (2024), Pp. 143–56
Hasan, Asyari, Farid Adhitya Nugraha, Muamar Aditya, Melati Aysah Putri, M Hibatul Azizi, And Hartini, ‘Fungsi Investasi Dalam Perspektif Islam’, Co-Value: Jurnal Ekonomi, Koperasi & Kewirausahaan, 14.2 (2023), Pp. 44–45
Hasan, Rashedul, Mohammad Kabir Hassan, And Sirajo Aliyu, ‘Fintech And Islamic Finance: Literature Review And Research Agenda’, International Journal Of Islamic Economics And Finance (Ijief), 3.1 (2020), Pp. 75–94, Doi:10.18196/Ijief.2122
Hasan, Z., ‘Teori Dan Praktik Ekonomi Islam’, Rajawali Pers., 2020
Hidayanto, M. Fajar, ‘Praktek Riba Dan Kesenjangan Sosial’, La_Riba, 2.2 (2008), Pp. 239–61, Doi:10.20885/Lariba.Vol2.Iss2.Art6
Hidayat, Rahmat, Fikih Muamalah Teori Dan Prinsip Hukum Ekonomi Syariah, Fikih Muamalah Teori Dan Prinsip Hukum Ekonomi Syariah, 2022, I
Ihsan, Rafiqi, ‘Peluang Dan Tantangan Penggunaan Blockchain Technology Pada Perbankan Syariah Di Indonesia’, Jurnal Ekonomi Dan Bisnis, 11.3 (2022), Pp. 1037–49
Indraprakoso, Dondy, And Haripin, ‘Eksplorasi Potensi Penggunaan Blockchain Dalam Optimalisasi Manajemen Pelabuhan Di Indonesia: Tinjauan Literatur’, Sanskara Manajemen Dan Bisnis, 1.03 Se-Articles (2023), Pp. 140–60, Doi:10.58812/Smb.V1i03.131
Irawan, Heri, Ilfa Dianita, And Andi Deah Salsabila Mulya, ‘Peran Bank Syariah Indonesia Dalam Pembangunan Ekonomi Nasional’, Jurnal Asy-Syarikah: Jurnal Lembaga Keuangan, Ekonomi Dan Bisnis Islam, 3.2 (2021), Pp. 147–58, Doi:10.47435/Asy-Syarikah.V3i2.686
Lexy, J Moleong, ‘Metodologi Penelitian Kualitatif’, Bandung: Remaja Rosdakarya, 2002
Lincoln, Y S, And E G Guba, ‘Naturalistic Inquiry. 1985, Beverly Hills, Calif’ (Sage)
M B A Ismail, Perbankan Syariah (Kencana, 2017)
Mahargiyantie, Sri, ‘Penerapan Prinsip-Prinsip Ekonomi Syariah’, Al-Misbah, 1.1 (2020), Pp. 6–14
Martinelli, Imelda, Nabilla Mahva Tsabita, Amanda Fitriani, Eka Putri, And Devina Novela, ‘Legalitas Dan Efektivitas Penggunaan Teknologi Blockchain Terhadap Smart Contract Pada Perjanjian Bisnis Di Masa Depan’, Unes Law Review, 6.4 (2024), Pp. 10761–76
Misbahuddin, Misbahuddin, ‘Fleksibilitas Penerapan Syariah Islam’, Jurnal Ushuluddin: Media Dialog Pemikiran Islam, 14.3 (2010), Pp. 435–46
Mohammad Ali Ma’ruf, Muhammad Hifdil Islam, And Hayatul Millah, ‘Eksplorasi Penggunaan Teknologi Blockchain Dalam Transaksi Keuangan Syari’ah Bsi Kcp Probolinggo’, Economic Reviews Journal, 3.2 (2024), Pp. 1087–95, Doi:10.56709/Mrj.V3i2.341
Muhammad Bahanan, And Muhammad Wahyudi, ‘Analisis Pengaruh Penggunaan Teknologi Blockchain Dalam Transaksi Keuangan Pada Perbankan Syariah’, I’thisom : Jurnal Ekonomi Syariah, 2.1 Se-Articles (2023), Pp. 43–54, Doi:10.70412/Its.V2i1.42
Muhammad Syahrul Hidayat, Agus Eko Sujianto, And Binti Nur Asiyah, ‘Mengkaji Sistem Keuangan Berbasis Teknologi Blockchain Dalam Ekonomi Moneter Islam’, Muqaddimah: Jurnal Ekonomi, Manajemen, Akuntansi Dan Bisnis, 1.3 Se-Articles (2023), Pp. 244–62, Doi:10.59246/Muqaddimah.V1i3.381
Najibulloh, Imam Kharits, And Leny Rahmalia, ‘Penerapan Teknologi Blockchain Dalam Industri Keuangan Syariah : Tantangan Dan Peluang’, J-Ebi: Jurnal Ekonomi Bisnis Islam, 3.01 (2024), Pp. 61–72, Doi:10.57210/J-Ebi.V3i01.295
Nana, Sudjana, ‘Penelitian Dan Penilaian Pendidikan’, Bandung: Sinar Baru, 1989
Nurhayati, Sri, Akuntansi Syariah Di Indonesia, Edisi 5 (Penerbit Salemba, 2023)
Otoritas Jasa Keuangan, ‘Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 10 /Pojk.05/2022 Tentang Layanan Pendanaan Bersama Berbasis Teknologi Informasi’, 184, 2022, Pp. 1–27
Pangestu, Dimas Agung, ‘Penggunaan Teknologi Blockchain Dalam Transaksi Keuangan Syari’ah’, 2023, Pp. 1–102
Putra, Suntama, M Syahran Jailani, And Faisal Hakim Nasution, ‘Penerapan Prinsip Dasar Etika Penelitian Ilmiah’, Jurnal Pendidikan Tambusai, 7.3 (2021), Pp. 27876–81
Renz, André, And Romy Hilbig, ‘Prerequisites For Artificial Intelligence In Further Education: Identification Of Drivers, Barriers, And Business Models Of Educational Technology Companies’, International Journal Of Educational Technology In Higher Education, 17.1 (2020), P. 14, Doi:10.1186/S41239-020-00193-3
Reza Syafrizal, And Jamaludin, ‘Vol. 12 No. 1, Januari-Juni 2020’, Jurnal Hukum Ekonomi Syariah, 12.1 (2020), P. 5
Sebayang, Saimara, ‘Manajemen Kepatuhan Dan Meningkatkan Kesehatan Perbankan Syariah’, Jurnal Kajian Ekonomi Dan Kebijakan Publik, 5.2 (2020), Pp. 181–97
Septianda, Daffa Eka, Sitti Fatimah Khairunnisaa, And Rachma Indrarini, ‘Blockchain Dalam Ekonomi Islam’, Sibatik Journal: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan, 1.11 (2022), Pp. 2629–38, Doi:10.54443/Sibatik.V1i11.407
Shihab, M. Quraish, Tafsir-Al-Mishbah-Jilid-01-M.-Quraish-Shihab, Jakarta : Lentera Hati, 2002
Sihabudin, Fahmi, Listian Indriyani Achmad, Muhammad Hamdan 'Ainulyaqin, Kisanda Midisen, And Sarwo Edy, ‘Analysis Of Blockchain Technology And Security Principles In Cryptocurrency Transactions According To The Perspective Of Islamic Economics: Case Study : Smart Contract On The Ethereum Blockchain Network’, Ta’amul: Journal Of Islamic Economics, 1.1 Se-Articles (2022), Pp. 11–20, Doi:10.58223/Taamul.V1i1.2
Singarimbun, Masri, ‘Effendi, Sofyan.(1995)’, Metode Penelitian Survey
Sri Sudiarti, ‘Fiqh Muamalah Kontemporer’, Uinsu Press, 2018
Subroto, Subino Hadi, ‘Pokok-Pokok Pengumpulan Data, Analisis Data, Penafsiran Data Dan Rekomendasi Dalam Penelitian Kualitatif’, Bandung: Ikip, 1999
Sudarmanto, Eko, Indah Yuliana, Nanik Wahyuni, Sitti Rabiah Yusuf, And Ahmad Zaki, ‘Transformasi Digital Dalam Keuangan Islam: Peluang Dan Tantangan’, Jurnal Ilmiah Ekonomi Islam, 10.1 (2024), P. 645, Doi:10.29040/Jiei.V10i1.11628
Sugiyono, Metode Penelitian Pendidikan, Digilib.Unigres.Ac.Id (Digilib.Unigres.Ac.Id, 2010)
Sutopo, A H, Pemrograman Blockchain Smart Contract Di Polygon (Topazart, 2023)
Swan, Melanie, ‘Blockchain: Blueprint For A New Economy.–O’reill Media’, Inc., Sebastopol, Ca, 2015
Refbacks
- There are currently no refbacks.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
