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This is a Quantitative Study study.

October 20, 2025Al Urwah.Open Access

Financial Innovation and Sharia Governance: An Empirical Study of Cryptocurrencies and Traditional Banking Risk–Return Dynamics in Indonesia

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Cryptocurrencies exhibit high potential returns but significant risk, making them suitable for high-risk investors.
Bank deposits offer stable, modest returns, supported by guarantees from Indonesia Deposit Insurance Corporation.
Sharia governance poses challenges for bank deposits due to riba, while cryptocurrencies raise concerns over gharar and maysir.
Emerging sharia-compliant options, like sukuk and gold-backed digital currencies, present ethical alternatives.

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This empirical study compares risk-return dynamics of cryptocurrencies and bank deposits, highlighting sharia governance issues.

Rasyid et al. (2025) studied this question.

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