Legalitas dan Kesesuaian Syariah Central Bank Digital Currency: Studi terhadap Implementasi Rupiah Digital sebagai Instrumen Transaksi
DOI:
https://doi.org/10.67096/demokrasi.v1i3.405Keywords:
Rupiah Digital, Central Bank Digital Currency, kesesuaian syariah, Fiqh Muamalah, UU P2SKAbstract
Penelitian ini mengkaji legalitas hukum positif dan kesesuaian syariah Central Bank Digital Currency (CBDC) dalam konteks implementasi Rupiah Digital sebagai instrumen transaksi resmi di Indonesia. Menggunakan pendekatan yuridis-normatif yang dipadukan dengan analisis hukum Islam komparatif, penelitian ini menganalisis kerangka regulasi Rupiah Digital pascaenaktmen UU P2SK Tahun 2023 serta mengevaluasi kesesuaiannya terhadap prinsip-prinsip fiqh muamalah dan maqashid al-syariah. Hasil penelitian menunjukkan bahwa UU P2SK telah memberikan landasan yuridis bagi Rupiah Digital, namun masih memerlukan regulasi teknis derivatif yang komprehensif. Dari perspektif syariah, Rupiah Digital dinilai mubah dengan syarat eliminasi mekanisme remunerasi berbasis bunga, pembatasan programmability yang berpotensi melanggar kebebasan berakad, serta pelembagaan pengawasan syariah secara formal. Penelitian ini menyimpulkan bahwa harmonisasi legalitas hukum positif dan kesesuaian syariah merupakan keniscayaan strategis bagi keberhasilan implementasi Rupiah Digital secara inklusif dan bermartabat.
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Copyright (c) 2026 Agung Hadi Wijanarko, Dhiwangkoro Aji Kadarmo, Ibnu Mas’ud, Arsyad Ali Fahmi (Author)
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