Transaksi Non Tunai terhadap Volalitas Uang Serta Pertumbuhan Ekonomi di Indonesia Ditinjau dari Fiqih Muamalah

Abstract

Abstract

This research investigates the impact of non-cash transactions before, during, and after the COVID-19 pandemic on the money supply and economic growth Indonesia, utilizing a literature review approach and Islamic economic theory. The results indicate that non-cash transactions, such as debit card, credit card, and electronic money usage, have become the primary choice for Indonesian society, particularly during the COVID-19 pandemic due to concerns about virus transmission through cash. Bank Indonesia has supported this transition by encouraging the adoption of non-cash transactions through policies such as the QR Code Indonesia Standard (QRIS) and the Cashback Attack program. The impact of non-cash transactions on the money supply is highly positive, accelerating the circulation of money in society and enhancing financial inclusion. Although research findings regarding the impact of non-cash transactions on economic growth are inconsistent, non-cash transactions overall provide a positive contribution to Indonesia's economic growth. From the perspectives of Fiqh Muamalat and Islamic Economic Theory, non-cash transactions adhere to Sharia principles, support economic efficiency and transparency, and help maintain Indonesia's economic stability. This research emphasizes the importance of cashless transactions in the modern economy and suggests further research to understand the complex dynamics that influence the impact of cash payments on Indonesia's economic growth in greater depth.

Abstrak

Penelitian ini menginvestigasi dampak transaksi non-tunai sebelum, selama, dan setelah pandemi COVID-19 terhadap jumlah uang beredar dan pertumbuhan ekonomi Indonesia, dengan menggunakan pendekatan tinjauan literatur dan teori ekonomi Islam. Hasilnya menunjukkan bahwa transaksi non-tunai, seperti kartu debit, kartu kredit, dan penggunaan uang elektronik, telah menjadi pilihan utama bagi masyarakat Indonesia, terutama selama pandemi COVID-19 karena adanya kekhawatiran akan penularan virus melalui uang tunai. Bank Indonesia telah mendukung transisi ini dengan mendorong adopsi transaksi non-tunai melalui kebijakan seperti QR Code Indonesia Standard (QRIS) dan program Cashback Attack. Dampak transaksi non-tunai terhadap jumlah uang beredar sangat positif, mempercepat peredaran uang di masyarakat dan meningkatkan inklusi keuangan. Meskipun hasil penelitian dampak transaksi non-tunai terhadap pertumbuhan ekonomi belum konsisten, namun secara keseluruhan transaksi non-tunai memberikan kontribusi positif terhadap pertumbuhan ekonomi Indonesia. Dari perspektif Fiqh Muamalat dan Teori Ekonomi Islam, transaksi non-tunai sesuai dengan prinsip-prinsip Syariah, mendukung efisiensi dan transparansi ekonomi, serta membantu menjaga stabilitas ekonomi Indonesia. Penelitian ini menekankan pentingnya transaksi non-tunai dalam perekonomian modern dan menyarankan penelitian lebih lanjut untuk memahami dinamika kompleks yang mempengaruhi dampak pembayaran secara tunai bagi pertumbuhan ekonomi Indonesia dengan lebih mendalam.

Keywords: Covid-19; Money; Non-Cash; Economy; Fiqh Muamalah.