Model Teknologi Blockchain untuk Meningkatkan Transparansi Transaksi pada Investasi Deposito Berjangka
DOI:
https://doi.org/10.31294/simpatik.v5i1.8318Keywords:
deposito berjangka, teknologi blockchain, peer to peer validationAbstract
Deposito berjangka merupakan salah satu jenis investasi yang diminati masyarakat. Suku bunga yang lebih tinggi dari suku bunga tabungan menjadi salah satu kelebihan deposito berjangka. Namun pada system informasi investasi perbankan tidak memberikan informasi yang transparan kepada nasabah deposito berjangka tentang tingkat bunga, biaya investasi dan informasi lainnya seputar dana yang mereka investasikan di deposito berjangka. Nasabah hanya mendapatkan nominal dana dari persentase bunga tanpa ada jaminan transparansi dan validitas informasi yang mereka dapatkan di akhir periode investasi mereka. Dengan demikian tujuan dari riset ini membangun model teknologi blockchain untuk meningkatkan transparansi informasi bagi nasabah deposito berjangka. Dengan teknologi blockchain setiap transaksi deposito berjangka akan divalidasi oleh semua node dalam jaringan blockchain yang menjamin informasi yang disimpan pada jaringan blockchain transparan dan valid. Riset menggunakan pendekatan kualitatif melalui literature review dan simulasi dengan Hyperledger Fabrics. Dari hasil simulasi dengan Hyperledger fabrics menunjukkan bahwa informasi tentang investasi dana ,pembagian bunga dan biaya deposito berjangka yang diinvestasikan ke bank bisa disimpan jika semua node yang ada pada jaringan blockchain sudah memvalidasi transaksinya.
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