KAJIAN HUKUM EKONOMI ISLAM TERHADAP PRAKTIK JUAL BELI CRYPTOCURRENCY DI INDONESIA

Ali Hardana* -  Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Indonesia
Hasir Budiman Ritonga -  Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Indonesia

The development of digital technology has brought about various innovations in the financial system, one of which is cryptocurrency as a means of exchange and investment instrument. However, the legality and permissibility of cryptocurrency trading remain controversial, especially from the perspective of Islamic economic law. This study aims to examine the legal status of cryptocurrency trading in light of Islamic economic principles and assess its practice in Indonesia based on core sharia principles such as justice, transparency, and avoidance of gharar (uncertainty) and maisir (speculation). This research employs a qualitative normative approach through library research and in-depth interviews with Islamic economic practitioners, along with analysis of relevant fatwas, including those issued by the Indonesian Ulema Council (DSN-MUI) and opinions of contemporary scholars. The results show that cryptocurrency trading contains a high level of speculation and does not fully comply with sharia principles, particularly regarding price stability and transaction object clarity. Nevertheless, there is a diversity of scholarly opinion; some scholars prohibit its use due to elements of gharar and maisir, while others permit it under specific conditions. In conclusion, cryptocurrency trading practices in Indonesia still require clearer guidance from an Islamic legal perspective. There is a need for more specific regulations, fatwas, and public education to ensure that digital asset transactions align with the principles of Islamic economic law.

Keywords : Islamic Economic Law, Cryptocurrency, Trading, Gharar, Maisir, Sharia

  1. Ajijah Harahap, Budi Gautama Siregar, & Ali Hardana,. (2022). Determinan Pertumbuhan Laba Pada Perusahaan Subsektor Pertanian. Jurnal Mahasiswa Akuntansi Samudra, 3(1), 17-30. Https://Doi.Org/10.33059/Jmas.V3i1.5083

    Al Hasyim, Y., Hamid, A., & Hardana, A. (2023). Analisis Penyerapan Tenaga Kerja Pada Industri Tahu Di Kota Padangsidimpuan. PROFJES: Profetik Jurnal Ekonomi Syariah, 2(2), 731-742.

    Ali Hardana, Nurhalimah, N., & Sulaiman Efendi,. (2022). Analisis Ekonomi Makro Dan Pengaruhnya Terhadap Kemiskinan (Studi Pada Pemerintah Kabupaten Tapanuli Selatan). Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen, 1(4), 21-30. Https://Doi.Org/10.30640/Inisiatif.V1i4.370

    Arifin, I. (2009). Ilmu Komunikasi Dakwah. Jakarta: Kencana.

    Baran, S. J. (2014). Introduction to Mass Communication: Media Literacy and Culture. New York: McGraw-Hill.

    Barney, J. B., & Hesterly, W. S. (2019). Strategic Management and Competitive Advantage: Concepts and Cases (6th ed.). Pearson.

    Bunt, G. R. (2009). iMuslims: Rewiring the House of Islam. Chapel Hill: University of North Carolina Press.

    Bungin, B. (2017). Metodologi Penelitian Kualitatif: Aktualisasi Metodologis ke Arah Ragam Varian Kontemporer. Jakarta: RajaGrafindo Persada.

    Batubara, D., & Hardana, A. (2024). Efektifitas Wisata Dalam Pertumbuhan Ekonomi Di Tapanuli Selatan. El-Kahfi| Journal Of Islamic Economics, 5(01), 52-60. Https://Doi.Org/10.58958/Elkahfi.V5i01.216

    Daft, R. L. (2016). Organization Theory and Design (12th ed.). Cengage Learning.

    DSN-MUI. (2002). Fatwa Nomor 28/DSN-MUI/III/2002 tentang Jual Beli. Jakarta.

    DSN-MUI. (2014). Fatwa Nomor 96/DSN-MUI/IV/2014 tentang Uang Elektronik. Jakarta.

    El-Gamal, M. A. (2006). Islamic Finance: Law, Economics, and Practice. Cambridge: Cambridge University Press.

    Creswell, J. W. (2016). Research Design: Pendekatan Kualitatif, Kuantitatif, dan Mixed. Yogyakarta: Pustaka Pelajar.

    Effendy, O. U. (2003). Ilmu, Teori dan Filsafat Komunikasi. Bandung: Remaja Rosdakarya.

    Fauzan, M., Hardana, A., Nasution, A. A., & Pasaribu, M. (2021). Analisis Perbandingan Metode CAMELS Dan Metode RGEC Dalam Menilai Tingkat Kesehatan PT. Bank Panin Dubai Syariah, Tbk. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 6(3), 815–832. Https://Doi.Org/10.30651/Jms.V6i3.9998

    Hamid, A. F. (2020). “Dakwah Digital: Strategi Komunikasi Islam di Era Media Sosial”. Jurnal Komunika, 14(1), 45–60.

    Harahap, S. A., Siregar, B. G., Lubis, A., & Hardana, A. (2023). Analisis Pengimplementasian Akuntansi Aset Tetap Berdasarkan PSAK NO. 16 DI PT Cahaya Bintang Medan. Jurnal Mahasiswa Akuntansi Samudra, 4(4), 175–195. Https://Doi.Org/10.33059/Jmas.V4i4.8371

    Harahap, A. H., Hasibuan, A. N., & Hardana, A. (2021). Analisis Laba Terhadap Kemampuan Membayar Zakat Bank Muamalat. Journal Of Islamic Social Finance Management, 2(2), 237-249. Https://Doi.Org/10.24952/Jisfim.V2i2.5017

    Hardana, A., Hasibuan, L., Nasution, J., Damisa, A., Zein, A. S., & Lestari, S. (2023). Factors Affecting Muzakki's Interest In Distributing Trade Zakat Through Baznas. Indonesian Scientific Journal Of Islamic Finance, 2(1), 1-10. Https://Doi.Org/10.21093/Inasjif.V2i1.7061

    Hardana, A., Hasibuan, A. N., Siregar, S. E., Tuss, H., Harahap, D., & Hasibuan, W. I. (2023, November). Include Islamic Banking's Role As Well As Service Satisfaction, Quality, Trust, And Loyalty In The Framework Of An Integrated Islamic Financial Model. In International Collaboration Conference On Islamic Economics (Vol. 1, No. 01).

    Hardana, A., & Windari, W. (2023). Analisis Efikasi Pengentasan Kemiskinan. Al-Bay': Journal Of Sharia Economic And Business, 2(2), 99-111. Https://Doi.Org/10.24952/Bay.V2i2.9408

    Hardana, A. (2018). Model Pengembangan Kewirausahaan Di Perguruan Tinggi. Al-Masharif: Jurnal Ilmu Ekonomi Dan Keislaman, 6(2), 31. Https://Doi.Org/10.24952/Masharif.V6i2.1146

    Hardana, A. (2022). Keikutsertaan Dana Zakat Dalam Pengentasan Kemiskinan Di Indonesia. Bukhori: Kajian Ekonomi Dan Keuangan Islam, 2(1), 65-74. Https://Doi.Org/10.35912/Bukhori.V2i1.1895

    Hardana, A. (2023). Green Economy Based On Sharia Maqashid Case Study In Sorkam Tengah Village, Sorkam District, Tapanuli Tengah District. Paradigma, 20(2), 320-332. Https://Doi.Org/10.33558/Paradigma.V20i2.7103

    Hardana, A. (2023). Pengaruh Struktur Kepemilikan Terhadap Nilai Perusahaan Dengan Kinerja Keuangan Dan Kebijakan Hutang Sebagai Variabel Intervening. Jurnal Akuntansi, Keuangan, Dan Manajemen, 4(4), 263-272. Https://Doi.Org/10.35912/Jakman.V4i4.2300

    Hardana, A. (2023). Pengaruh Struktur Kepemilikan Terhadap Nilai Perusahaan Dengan Kinerja Keuangan Dan Kebijakan Hutang Sebagai Variabel Intervening. Jurnal Akuntansi, Keuangan, Dan Manajemen, 4(4), 263-272. Https://Doi.Org/10.35912/Jakman.V4i4.2300

    Hardana, A. H., Lismawati Hasibuan, & Sulaiman Efendi Hasibuan,. (2023). Tax Aggressiveness, Capital Structure, Corporate Governance Dan Firm Performance. International Journal Of Economic Research And Financial Accounting (IJERFA), 1(2). Https://Doi.Org/10.55227/Ijerfa.V1i2.28

    Hardana, A., & Hasibuan, A. N. (2023). The Impact Of Probability, Transfer Pricing, And Capital Intensity On Tax Avoidance When Listed Companies In The Property And Real Estate Sub Sectors On The Indonesia Stock Exchange. International Journal Of Islamic Economics, 5(1), 67. Https://Doi.Org/10.32332/Ijie.V5i01.6991

    Hardana, A., & Nasution, J. (2022). Pengaruh Rasio Keuangan Pemerintah Daerah Terhadap Indeks Pembangunan Manusia. Global Financial Accounting Journal, 6(1), 52. Https://Doi.Org/10.37253/Gfa.V6i1.6452

    Hardana, A., Gautama, B., & Annam, R. (2022). Pengaruh Investasi Aktiva Tetap, Modal Kerja Dan Ukuran Perusahaan Terhadap Profitabilitas Pada Pt. Charoen Pokphand Indonesia Tbk. Al-Bay, 1(1). Https://Doi.Org/10.24952/Bay.V1i1.5769

    Hardana, A., Nasution, J., & Damisa, A. (2022). Pelatihan Manajemen Usaha Dalam Meningkatkan Usaha UMKM Kuliner. Medani : Jurnal Pengabdian Masyarakat, 1(1), 16-22. Https://Doi.Org/10.59086/Jpm.V1i1.87

    Hardana, A., Royani, I., Situmorang, I. S., & Ariyanda, B. (2022). Financial Performance Analysis At PT. Bank Syariah Mandiri With Method Economic Value Adde (Eva). Journal Of Islamic Financial Technology, 1(1). Https://Doi.Org/10.24952/Jiftech.V1i1.5025

    Hardana, A., Sahri, M. Z., & Ramadhan, A. (2022). Comparative Analysis Of The Profitability Of PT. Bank Panin Syariah Securities Before And After Going Public. Journal Of Islamic Financial Technology, 1(2). Https://Doi.Org/10.24952/Jiftech.V1i2.6683

    Hardana, A., Sahri, M. Z., & Ramadhan, A. (2022). Comparative Analysis Of The Profitability Of PT. Bank Panin Syariah Securities Before And After Going Public. Journal Of Islamic Financial Technology, 1(2). Https://Doi.Org/10.24952/Jiftech.V1i2.6683

    Hardana, A., Syahuri Zein, A., Johanna, A., & Avinash, B. (2023). Factors Influencing Non-Performing Financing (NPF) In Sharia Banking. Journal Markcount Finance, 1(2), 87-97. Https://Doi.Org/10.55849/Jmf.V1i2.87

    Hardana, A., Replita, R., Damisa, A., & Nasution, J. (2025). The Effect Of Advertising And Sales Promotion On Television On Brand Awareness Bukalapak On Visitors To Padangsidimpuan City. Journal Of Management Science (JMAS), 8(1), 331-341. Https://Doi.Org/10.35335/Jmas.V8i1.552

    Hasibuan, A. N., Hardana, A., Hasibuan, L., Utami, T. W., & Siregar, S. E. (2023). Penerapan Akuntansi Publik Dalam Pertanggungjawaban Kinerja Instansi Pemerintah Di Kantor Koperasi Usaha Kecil Kabupaten Mandailing Natal. Jurnal Simki Economic, 6(2), 288-295. Https://Doi.Org/10.29407/Jse.V6i2.241

    Indah, E., Hasibuan, A. N., Hardana, A., & Annam, R. (2021). Determinants Of Customer Loyalty. Journal Of Sharia Banking, 2(1). Https://Doi.Org/10.24952/Jsb.V2i1.4835

    Lismawati, L., Hardana, A., Utami, T. W., & Mutiah, N. (2023). Kontribusi Data Akuntansi Biaya Terhadap Peningkatan Nilai Perusahaan Dan Tanggung Jawab Pemangku Kepentingan Pada Perusahaan Manufaktur Semen Indonesia. Etihad: Journal Of Islamic Banking And Finance, 3(1), 1–10.

    Littlejohn, S. W., & Foss, K. A. (2009). Theories of Human Communication. Belmont: Wadsworth.

    Lubis, A., Hardana, A., & Isa, M. (2025). Kesejahteraan Masyarakat Akibat Aktivitas Ekonomi Terhadap Di Kawasan Kalangan Kabupaten Tapanuli Tengah. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 10(2). Https://Doi.Org/10.30651/Jms.V10i2.25778

    Lubis, A. Y. (2016). Islam dan Media: Antara Representasi dan Ideologi. Jakarta: Prenadamedia Group.

    Marito, N., Nofinawati, N., & Hardana, A. (2021). Pengaruh Zakat Perbankan Dan Corporate Social Responsibility Terhadap Kinerja PT. Bank Muamalat Indonesia. Journal Of Islamic Social Finance Management, 2(2), 190–209.

    Mintzberg, H. (1993). Structure in Fives: Designing Effective Organizations. Prentice-Hall.

    McQuail, D. (2010). McQuail's Mass Communication Theory (6th ed.). London: Sage Publications.

    Munir, M. (2021). “Efektivitas Dakwah Melalui Podcast di Era Digital”. Jurnal Komunika, 15(2), 201–215.

    Nasser, A. N., Hardana, A., & Erlina, E. (2022). Effect Of Operating Costsonal Operating Income (Bopo) And Non-Perfoming Financing (Npf) On Return On Assets (Roa) In Pt. Bank Rakyat Indonesia Syariah, Tbk For The Period 2009-2017. Journal Of Sharia Banking, 3(2), 136-143. Https://Doi.Org/10.24952/Jsb.V1i2.6431

    Nasrullah, R. (2015). Media Sosial: Perspektif Komunikasi, Budaya, dan Sosioteknologi. Bandung: Simbiosa Rekatama Media.

    Nasution, J., Hardana, A., & Damisa, A. (2022). Implementasi Akad Murabahah Untuk Pembiayaaan Modal Usaha Di Bank Syariah Indonesia Sipirok. Jurnal Pengabdian Masyarakat: Pemberdayaan, Inovasi Dan Perubahan, 2(4). Https://Doi.Org/10.59818/Jpm.V2i4.237

    Nasution, J., Hardana, A., Damisa, A., & Rasyid, A. (2022). Pelatihan Manajemen Usaha Dalam Meningkatkan Usaha UMKM Kuliner. Jurnal Pengabdian Masyarakat Bestari, 1(5), 271-280. Https://Doi.Org/10.55927/Jpmb.V1i5.927

    Nasution, K. A., Hasibuan, S. S., Utami, A., Hasibuan, F., Ardiansyah, F., & Hardana, A. (2022). Strategi LPTQ Dalam Meningkatkan Kualitas SDM Yang Unggul Dan ‎Qur’ani. Jurnal Indragiri Penelitian Multidisiplin, 2(3), 187-197. Https://Doi.Org/10.58707/Jipm.V2i3.353

    Nasution, A. S., Safitri, R. A., Saleh, I., Hardana, A., Simamora, C., & Nasution, E. (2025, May). Determinants Of Service Use Decisions For J&T Express Users In Padangsidimpuan City. In Proceedings Of International Conference On Islamic Economic Finance And Social Finance (Vol. 6, No. 1, Pp. 26-33).

    Nurhudawi, N., Zein, A. S., & Hardana, A. (2023). Strategy For Increasing Financial Accountability In Wakaf Management In Islamic Religious Organizations In North Sumatera. Al-Masharif: Jurnal Ilmu Ekonomi Dan Keislaman, 11(2), 188-201. Https://Doi.Org/10.24952/Masharif.V11i2.10124

    Nurudin. (2017). Pengantar Komunikasi Massa. Jakarta: Rajawali Pers.

    Nur Mutiah, Ali Hardana, & Try Wahyu Utami,. (2023). Analysis Of Batik Marketing Management In South Tapanuli Regency. International Journal Of Economic Research And Financial Accounting (IJERFA), 1(3). Https://Doi.Org/10.55227/Ijerfa.V1i3.31

    OECD. (2015). G20/OECD Principles of Corporate Governance. OECD Publishing.

    Oktarina, N., & Yuliana, Y. (2023). Hubungan Ketimpangan Pendapatan Dan Pertumbuhan Ekonomi Di Sumatera Barat: Pembuktian Hipotesis Kuznet. Jurnal Greenation Ilmu Akuntansi, 1(1), 25–31.

    Porter, M. E. (2008). Competitive Advantage: Creating and Sustaining Superior Performance. Free Press.

    Pratama, F. (2020). “Transformasi Media Dakwah: Studi Kasus Konten Video di YouTube”. Jurnal Dakwah dan Media, 8(1), 91–105.

    Qodir, Z. (2019). Media Sosial dan Dakwah: Kontestasi Wacana Keislaman di Dunia Maya. Yogyakarta: LKiS.

    Rabasa, Angel. “Islamic Education In Southeast Asia.” Hudson Institute, September 12, 2005. Http://Www.Hudson.Org/Research/9814-Islamic-Education-In-Southeast-Asia.

    Rasyid, H. (2020). “Jurnalisme Islam dalam Era Digital: Peluang dan Tantangan”. Jurnal Komunikasi Profetik, 2(2), 87–99.

    Replita, R., Hardana, A., Effendi, N., Ophiyandri, T., & Miko, A. (2025). Pengaruh Modal Insani Dan Modal Sosial Terhadap Kinerja UKM Kota Padangsidimpuan. EKOMA: Jurnal Ekonomi, Manajemen, Akuntansi, 4(2), 3425-3443. Https://Doi.Org/10.56799/Ekoma.V4i2.6093

    Replita, R., Effendi, N., Ophiyandri, T., Miko, A., & Hardana, A. (2025). Pengembangan Julo-Julo Dalam Meningkatkan Ekonomi Pedagang Pasar Sangkumpal Bonang Kota Padangsidimpuan. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 10(2). Https://Doi.Org/10.30651/Jms.V10i2.25795

    Ridwan, M. (2021). Digitalisasi Dakwah: Studi atas Perkembangan Dakwah Melalui Media Baru. Bandung: CV Pustaka Setia.

    Ritzer, G. (2011). The McDonaldization of Society. Los Angeles: Sage.

    Sallim Asrobi Harahap, Budi Gautama Siregar, Aswadi Lubis, & Ali Hardana,. (2023). Analisis Pengimplementasian Akuntansi Aset Tetap Berdasarkan Psak No. 16 Di Pt Cahaya Bintang Medan. Jurnal Mahasiswa Akuntansi Samudra, 4(4), 175-195. Https://Doi.Org/10.33059/Jmas.V4i4.8371

    Setiawan, A. (2022). “Pemanfaatan TikTok Sebagai Media Dakwah di Kalangan Gen Z”. Jurnal Komunikasi Islam Digital, 1(1), 1–12.

    Shohib, M. (2020). Manajemen Dakwah Digital. Surabaya: UINSA Press.

    Siregar, B. G., & Hardana, H. A. (2022). Metode Penelitian Ekonomi Dan Bisnis. Merdeka Kreasi Group

    Sofiyah, A., Ritonga, K., Aini, I., & Hardana, A. (2020). Analysis Of The Role Of The Manindo Siabu Cooperative Partners In Increasing The Income Of Cooperative Members (Case Study In Simaninggir Village). Journal Of Sharia Banking, 1(1). Https://Doi.Org/10.24952/Jsb.V1i1.4683

    Sriwanna, E., Harahap, I., Windari, W., & Hardana, A. (2020). The Effect Of Knowledge On Voting Interest Products Pt. Mandiri Sharia Bank Padangsidimpuan (Case Study To Guru Al-Azhar Bi. Journal Of Sharia Banking, 1(1). Https://Doi.Org/10.24952/Jsb.V1i1.4676

    Sugiyono. (2019). Metode Penelitian Kualitatif, Kuantitatif dan R&D. Bandung: Alfabeta.

    Syahputra, I. (2018). Komunikasi Dakwah di Era Digital. Yogyakarta: Deepublish.

    Taufiqurrahman, M. (2021). “Dakwah di Era Media Baru: Antara Virtualisasi dan Fragmentasi Audiens”. Jurnal Dakwah dan Komunikasi, 15(2), 89–104.

    Yana, D., Windari, W., Hardana, A., & Hasibuan, A. N. (2020). Analysis Of The Determinants Of Third Party Funds PT. Bank Muamalat Indonesia Tbk. Journal Of Sharia Banking, 1(2). Https://Doi.Org/10.24952/Jsb.V1i2.4745

    Yusuf, M. (2012). Jurnalisme Kontemporer. Jakarta: Prenadamedia Group.

    Windari, W., Hardana, A., Hutagalung, M. W. R., Lestari, S., & Fitrah, F. (2023). Does Reading Increase The Younger Generation's Intention To Use Islamic Non-Bank Financial Products?. Al-Kharaj: Journal Of Islamic Economic And Business, 5(4). Https://Doi.Org/10.24256/Kharaj.V5i4.4383.


Open Access Copyright (c) 2025 Yurisprudentia: Jurnal Hukum Ekonomi
Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Yurisprudentia: Jurnal Hukum Ekonomi diterbitkan Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan Fakultas Syariah dan Ilmu Hukum 

Jl. HT. Rizal Nurdin KM. 4,5 Sihitang Padangsidimpuan

e-mail : yprudentia@gmail.com

ISSN CETAK: 2442-6822

ISSN ONLINE: 2580-5134

 

 Flag Counter

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License