Pengaturan virtual currency (bitcoin) sebagai alat tukar pembayaran perdagangan

Torina, Amalia Salsabila (2025) Pengaturan virtual currency (bitcoin) sebagai alat tukar pembayaran perdagangan. Masters thesis, Universitas Pelita Harapan.

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Abstract

Perkembangan teknologi digital telah membawa transformasi signifikan dalam sistem pembayaran global, termasuk dengan hadirnya mata uang virtual (virtual currency) seperti Bitcoin yang mulai digunakan dalam transaksi perdagangan internasional. Namun demikian, di tengah tren global tersebut, masih terdapat ketidakjelasan mengenai posisi hukum dan kebijakan Indonesia dalam menyikapi penggunaan aset digital ini, khususnya dalam konteks pembayaran perdagangan barang. Penelitian ini merumuskan dua permasalahan utama: (1) Bagaimana pengaturan penggunaan mata uang virtual currency dalam perdagangan lintas negara, dan (2) Bagaimana pengaturan yang ideal memberi kepastian hukum dalam penggunaan mata uang virtual currrency (Bitcoin) sebagai alat pembayaran perdagangan. Penelitian ini menggunakan pendekatan yuridis normatif dengan metode analisis deskriptif-kualitatif melalui studi pustaka terhadap peraturan perundang-undangan, kebijakan lembaga keuangan, dan pernyataan resmi pejabat negara. Hasil penelitian menunjukkan bahwa meskipun pemerintah Indonesia secara tegas melarang penggunaan cryptocurrency sebagai alat pembayaran domestik berdasarkan UU No. 7 Tahun 2011 tentang Mata Uang, masih terdapat kebutuhan strategis untuk menyusun regulasi adaptif yang memungkinkan fleksibilitas dalam perdagangan global. Pemerintah juga harus mempertimbangkan risiko terhadap stabilitas sistem keuangan nasional, perlindungan konsumen, serta peluang inovasi teknologi dengan tetap menjaga kedaulatan ekonomi melalui kebijakan yang bijak dan progresif. / The advancement of digital technology has significantly transformed the global payment system, notably with the emergence of virtual currencies such as Bitcoin, which are increasingly used in international trade transactions. However, amid this global trend, there remains uncertainty regarding Indonesia's legal position and policy stance on the use of digital assets, particularly in the context of trade payment systems. This research addresses two main questions: (1) How does the legal framework of international trade regulate the use of virtual currency, and (2) How should the use of Bitcoin virtual currenccy be regulated as a medium of exchange for commercial transactions in order to achieve legal certainty. The study employs a normative juridical approach using descriptive-qualitative analysis through literature review of legislation, financial institution regulations, and official government statements. The findings reveal that although the Indonesian government strictly prohibits the use of cryptocurrency as a legal payment method domestically under Law No. 7 of 2011 on Currency, there remains a strategic need to formulate adaptive regulations that allow flexibility in global trade. The government must also consider the risks to national financial system stability, consumer protection, and opportunities for technological innovation, while maintaining economic sovereignty through prudent and progressive policies.
Item Type: Thesis (Masters)
Creators:
Creators
NIM
Email
ORCID
Torina, Amalia Salsabila
NIM01659230082
sasbyl.work@gmail.com
UNSPECIFIED
Contributors:
Contribution
Contributors
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Email
Thesis advisor
Bako, Ronny
NIDN0312036201
UNSPECIFIED
Uncontrolled Keywords: virtual currency ; Bitcoin ; sistem pembayaran ; perdagangan internasional
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law
Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law
Depositing User: Amalia Salsabila Torina
Date Deposited: 09 Jul 2025 02:06
Last Modified: 09 Jul 2025 02:06
URI: http://repository.uph.edu/id/eprint/69609

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