Analisis Legal Tender Uang Digital Bank Sentral Indonesia
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Keywords:
Digital Money, CBDC, Central Bank.
Abstract
This study aims to analyze Indonesia’s Central Bank Digital money as a legitimate digital currency. This study uses descriptive qualitative research methods that describe objects in the form of journals, books, news, and articles published on the internet in order to obtain the necessary data. Based on the result of the study, it was found that the issuance of gigital money did not only consider the rapid growth of cryptocurrencies, but also on the declining use of cash, limited banking services and the diversity of payment types. Because digital money is one of the currencies issued by the central bank, its legality has been regulated and guaranteed by the central bank. It has a value and underlying that is equivalent to cash so that digital money can be used as a solution for all forms of innovation an transaction demands in the era of technological and cryptocurrency advancements.
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Akhbar, 2019. Mengenal Uang Lebih Dekat. Akhbar, Medan.
Akun Intagram OJK Indonesia, 2021. Waspadai Risiko Perdagangan Aset Kripto [WWW Document]. URL https://www.instagram.com/p/COt5v-qF4Cx/
Allen, S., Čapkun, S., Eyal, I., Fanti, G., Ford, B., Grimmelmann, J., Juels, A., Kostiainen, K., Meiklejohn, S., Miller, A., Prasad, E., Wüst, K., Zhang, F., 2020. Design Choices for Central Bank Digital Currency: Policy and Technical Considerations (No. w27634). National Bureau of Economic Research, Cambridge, MA. https://doi.org/10.3386/w27634
Aplikasi KAI Access, 2021. KAI Access [WWW Document]. URL https://apps.kereta-api.co.id/
Asep Zaenal Ausop, Elsa Silvia Nur Aulia, 2018. . J. Sosioteknologi 17. http://dx.doi.org/10.5614%2Fsostek.itbj.2018.17.1.8.
Ayuso, J., Conesa, C., 2020. An introduction to the current debate on central bank digital currency (CBDC). Banco Esp., Occasional Papers 2005 32. http://dx.doi.org/10.2139/ssrn.3617558
Bank Indonesia, 2020. Jumlah Uang Elektronik Beredar.
Chandra Gian Asmara, 2018. BI Bereskan 44 Toko di Bali yang Pakai Bitcoin [WWW Document]. CNBC Indones. URL https://www.cnbcindonesia.com/tech/20180122124750-37-2144/bi-bereskan-44-toko-di-bali-yang-pakai-bitcoin
Claeys, G., Demertzis, M., 2019. The next generation of digital currencies: in search of stability. Policy Contrib. URL https://www.bruegel.org/2019/12/the-next-generation-of-digital-currencies-in-search-of-stability/
Cœuré, B., Cunliffe, J., Bank für Internationalen Zahlungsausgleich, Bank of Canada, Europäische Zentralbank, Nihon Ginkō, Sveriges Riksbank, Schweizerische Nationalbank, Bank of England, Federal Reserve System, Board of Governors, 2020. Central bank digital currencies: foundational principles and core features report no. 1 in a series of collaborations from a group of central banks.
Daniel Rusyad, 2020. Gold will always remain gold: fikih kontemporer tentang harta, produk keuangan dan etika bisnis berbasis syariah. Daniel Rusyad.
Dibrova, A., 2016. Virtual Currency: New Step in Monetary Development. Procedia - Soc. Behav. Sci. 229, 42–49. https://doi.org/10.1016/j.sbspro.2016.07.112
Hofert, E., n.d. Regulating Virtual Currencies 32.
Ilyas, R., 2016. Konsep Uang Dalam Perspektif Ekonomi Islam. J. Bisnis Dan Manaj. Islam 4, 23. http://dx.doi.org/10.21043/bisnis.v4i1.1695
Iyah Faniyah, 2018. Kepastian Hukum Sukuk Negara Sebagai Instrumen Investasi di Indonesia, 1st ed. Deepublish, Sleman.
Kubát, M., 2015. Virtual Currency Bitcoin in the Scope of Money Definition and Store of Value. Procedia Econ. Finance 30, 409–416. https://doi.org/10.1016/S2212-5671(15)01308-8
Kustoro Budiarta, Sugianta Ovinus Ginting, Janner Simarmata, 2020. Ekonomi dan Bisnis Digital. Yayasan Kita Penulis, Medan.
Kyriazis, N.A., 2020. Herding behaviour in digital currency markets: An integrated survey and empirical estimation. Heliyon 6, e04752. https://doi.org/10.1016/j.heliyon.2020.e04752
Lokadata, 2020. Metode pembayaran transaksi online, 2020. Lokadata. URL https://lokadata.beritagar.id/chart/preview/metode-pembayaran-transaksi-online-2020-1601532712 (accessed 5.5.21).
Morales-Resendiz, R., Ponce, J., Picardo, P., Velasco, A., Chen, B., Sanz, L., Guiborg, G., Segendorff, B., Vasquez, J.L., Arroyo, J., Aguirre, I., Haynes, N., Panton, N., Griffiths, M., Pieterz, C., Hodge, A., 2021. Implementing a retail CBDC: Lessons learned and key insights. Lat. Am. J. Cent. Bank. 2, 100022. https://doi.org/10.1016/j.latcb.2021.100022
Mustafa Kamal Rokan, 2013. Bisnis Ala Nabi: Teladan Rasulullah Saw dalam Berbisnis. PT. Bentang Pustaka, Yogyakarta.
Nopirin, 2012. Ekonomi Moneter-Buku 1. BPFE-Yogyakarta, Yogyakarta.
Nurul Huda, Handi Risza Idris, Mustafa Edwin Nasution, Ranti Wiliasih, 2018. Ekonomi Makro Islam: Pendekatan Teoreti, 1st ed. Kencana, Jakarta.
Peraturan Bank Indonesia No 20/6/PBI/2018, n.d.
Regulatory Challenges and Risks for Central Bank Digital Currency, 2019.
S Lo, Wang JC, 2014. Bitcoin As Money? [WWW Document]. Fed. Reserve Bank Boston. URL https://www.bostonfed.org/publications/current-policy-perspectives/2014/bitcoin-as-money.aspx
Sanches, D., 2020. Central Bank Digital Currency: Is It a Good Idea? Fed. Reserve Bank Phila. Res. Dep. 6.
Shirai, S., 2019. Money and Central Bank Digital Currency. SSRN Electron. J. https://doi.org/10.2139/ssrn.3362952
Sistem Pembayaran dan Pengelolaan Uang Rupiah [WWW Document], 2020. . Bank Indones. URL https://www.bi.go.id/id/fungsi-utama/sistem-pembayaran/default.aspx
Tarmizi Erwandi, 2012. Kriteria Mata Uang Dalam Islam, 28th ed, Majalah Pengusaha Muslim. Yayasan Bina Pengusaha Muslim, Bogor.
Teguh Permana, Puspitaningsih, A., 2019. FENOMENA UANG DIGITAL. JEP J. Ekon. Pembang. 9, 363–373.
Tim Riset Majalah Stabilitas LPPI, 2019. MASA DEPAN UANG VIRTUAL. Lemb. Pengemb. Perbank. Indones.
Tradingview, 2020. Bitcoin / Indonesia Rupiah ( Calculated By Tradingview ) [WWW Document]. Tradingview. URL https://id.tradingview.com/symbols/BTCIDR/ (accessed 5.5.20).
Twitter Bank Indonesia, 2018.
Ward, O., Rochemont, S., 2019. Understanding Central Bank Digital Currencies (CBDC) 53.
Wijaya, K., 2019. Mata Uang Digital Bank Sentral. Lemb. Pengemb. Perbank. Indones. No. A.11, 5.
Wouter Bossu, Masaru Itatani, Catalina Margulis, Arthur Rossi, Hans Weenink, Akihiro Yoshinaga, 2020. Legal Aspects of Central Bank Digital Currency: Central Bank and Monetary Law Considerations. Int. Monet. Fund, IMF Working Paper.
Published
2021-11-01
How to Cite
Baharudin Vanani, A., & Suselo, D. (2021). Analisis Legal Tender Uang Digital Bank Sentral Indonesia. JAE (JURNAL AKUNTANSI DAN EKONOMI), 6(3), 74-83. https://doi.org/10.29407/jae.v6i3.16225
Section
Volume 6 No 3 Tahun 2021
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