Konsep dasar uang dalam perspektif ekonomi islam
Analisis fungsi dan nilai dalam sistem keuangan modern
Abstract
Money in Islamic economics is viewed as a medium of exchange used to support real economic activities, not as a commodity for profit through usury or speculation. This study uses a library research method, reviewing various literature, scientific journals, and references related to Islamic economics and the modern financial system. The results of the discussion indicate that the function of money in Islamic economics is not only as a means of transaction, but also has social and moral dimensions through the principles of justice, wealth distribution, zakat, alms, and sharia investment. The development of modern financial systems such as financial digitalization, fintech, cryptocurrency, and e-money presents new challenges to the implementation of the concept of money in Islam. Nevertheless, Islamic economics remains able to provide solutions through the application of sharia principles, profit-sharing systems, strengthening the real sector, and prohibiting usury, gharar, and maysir. Therefore, the concept of money from an Islamic economic perspective is considered relevant in facing the development of the modern financial system because it is able to create economic stability, equitable distribution of welfare, and social balance in society.
Downloads
References
Aan, A. (2016). Digitalisasi Ekonomi Syariah. Ekonomi Keuangan Dan Bisnis Islam, 7(1), 1–18.
Abdianti, D., Restu, A., Al Ayyubi, S., & Hidayat, F. (2023). Konsep Kebijakan Moneter dalam Perspektif Ekonomi Islam. Trending: Jurnal Ekonomi, Akuntansi Dan Manajemen, 1(3), 213–226.
Assiddiqie, M. J. (2026). Konsep time value of money dalam perspektif syariah. Jurnal Studi Ekonomi Islam. https://urj.uin-malang.ac.id/index.php/mij/article/view/20897
Chamidah, N. (2025). Konsep uang dan Time Value Of Money (TVM). Maliki Interdisciplinary Journal (MIJ) EISSN, 3, 528–542.
Djalaluddin, A. (2023). Actualization of Islamic social finance during disasters: The Covid-19 pandemic’s lessons in Indonesia. IQTISHODUNA: Jurnal Ekonomi Islam, 12, 145–160. https://repository.uin-malang.ac.id/16161/
Ely Elsanti. (2025). Konsep Uang Dalam Perspektif Ekonomi Islam Dan Konvensional: Kajian Komparatif Berbasis Literatur. 3(4), 930–939.
Fajar, D. A. (2021). Kajian Perbedaan Time Value of Money dan Economic Value of Time. Jurnal Ekonomi Islam, 12(2), 1435–1440.
Fawa’id, M. W. (2021). Uang Dalam Pandangan Konvensional Dan Islam. Al-Muhasib: Journal of Islamic Accounting and Finance, 1(1), 22–46.
Herawan, J., & Athoillah, M. A. (2023). Sistem Keuangan Syariah Halalan Thayyiba (Telaah Teoritis Perspektif Hukum Ekonomi Syariah). Ad-Deenar: Jurnal Ekonomi Dan Bisnis Islam, 07(02), 365–379. https://doi.org/10.30868/ad.v7i02.4488
Hidayani, F. (2021). Fungsi uang dalam perspektif ekonomi Islam dan ekonomi konvensional. Al-Qalam: Jurnal Ekonomi Islam. 9(2), 88–99.
Ifhadiyanti, N. (2022). Resume Ekonomi Makro Syariah Konsep dan Teori Uang Dalam Perspektif Islam.
Ilyas, R. (2016). Konsep Uang Dalam Perspektif Ekonomi Islam. CMAJ : Canadian Medical Association Journal = Journal de l"Association Medicale Canadienne, 150(9), 1379.
Kato, T. (2022). Islamic and capitalist economies: Comparison using econophysics models of wealth exchange and redistribution. PLoS ONE, 17(9 September), 1–17. https://doi.org/10.1371/journal.pone.0275113
Khasanah, U. (2023). Ekonomi Islam: Manajemen keuangan syariah. UIN Malang Repository. https://repository.uin-malang.ac.id/23932/
Malik, A. (2020). Knowledge Diffusion Process & Common Islamic Banking Governance Principles: Integrative Perspective (s) of Managers and Shariah Scholars.
Mukhsinin, I., & Nazaruddin, S. (2024). Konsep Penempatan Uang Dalam Persektif Ekonomi Islam Terhadap Publics Goods (Flow Concept) di Kehidupan Sehari-Hari. Jimmi: Jurnal Ilmiah Mahasiswa Multidisiplin, 1(1), 53–63.
Munir, M. (2016). Analisis tematik terhadap konsep uang dalam Islam. UIN Malang Repository. https://repository.uin-malang.ac.id/2145/
Nasywa Putri Tsabitah, Muhammad Nurfauzi Maliki, Nava Diah Neviana, Regina Yuniar Lestari, & Amalia Nuril Hidayati. (2024). Konsep dan Peran Uang dalam Perspektif Ekonomi Islam. Journal Economic Excellence Ibnu Sina, 2(4), 68–78.
Ningsih, S., & Aisyah, R. (2022). Konsep fungsi uang dalam sistem ekonomi Islam. Urnal Ekonomi Syariah Indonesia, 12(1), 34–45.
Novianti. (2025). Konsep time value of money vs economic value of time.
Pratama, N. I. (2025). Uang Dalam Perspektif Ekonomi Islam. SYIRKAH: Jurnal Ekonomi Syariah. 1, 55–69.
Rahma Ulfa Maghfiroh. (2019). Konsep Nilai Waktu Dari Uang Dalam Sudut Pandang Ekonomi Islam. Litigasi, 9(20). https://doi.org/10.23969/litigasi.v20i2
Rahmawati, L. (2023). Peran uang dalam mendukung kegiatan ekonomi riil perspektif syariah. Jurnal Ilmiah Ekonomi Islam. 9, 210–221.
Ropiah, S. (2025). Transformasi Digital Dalam Layanan Keuangan Syari’ah: Peluang Dan Tantangan Di Era Fintech. Interdisciplinary Explorations in Research Journal (IERJ), 3(2), 763–781.
Salsabila, N., & Karim, M. A. (2024). Flow concept dalam distribusi uang perspektif ekonomi Islam. Jurnal Riset Ekonomi Syariah, 4(1), 55–66.
Sangaswari, G. O. (2024). Digitalisasi Ekonomi Islam di Indonesia: Antara Potensi dan Tantangan. 10, 445–453.
Santoso, S. B., & Astuti, H. J. (2019). A framework for conceptualizing islamic bank socialization in Indonesia. Journal of Critical Reviews, 6(4), 43–47.
Saputri, R. (2023). Pengungkapan Pelaporan Keuangan Segmen Pt Bayu Buana TBK Periode Tahun 2018-2022. 12, 351–359.
Sofiastuti, N. (2024). Kampus Akademik Publisher Fungsi Uang Dalam Perspektif Ekonomi Islam Institut Agama Islam Negeri Kediri. 1(2), 222–232.
Copyright (c) 2026 Syezita Al Fajria
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work’s authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
