طراحی و تبیین مدل کیفی کاربردهای ارزهای دیجیتال در رشد اقتصادی کشور در چارچوب اقتصاد اسلامی

The primary objective of this study is to design and clarify a qualitative model for the applications of cryptocurrencies in national economic growth within the framework of Islamic economics. To identify and explain the criteria and variables, a qualitative method based on the Delphi-driven content analysis approach was applied using MAXQDA software. The categories were determined and finalized through expert consensus obtained in the qualitative phase of the research. In total, the opinions of 15 experts were collected through structured interviews conducted in spring 2024, including specialists from the Central Bank’s Vice Presidency for New Technologies, the Economic Policy Department of the Ministry of Economic Affairs and Finance, Iranian cryptocurrency exchanges, and academic experts in theoretical economics, Islamic economics, monetary economics, econometrics, and financial management.
The findings indicate that the qualitative model was constructed around several major conceptual dimensions. The dimension of “Cryptocurrency Applications in the Micro-economy” includes variables such as the creation of modern employment and business opportunities, and high-speed international transfers for natural and legal persons. The dimension of “Cryptocurrency Applications in the Macro-economy” includes preventing excessive money creation, enhancing security, and improving transparency in international financial transfers. The dimension of “Micro-economic Growth Elements” includes promoting economic stability for governmental organizations and home-based businesses, as well as supporting fairness in income distribution. The dimension of “Macro-economic Growth Elements” includes increasing employment rates, attracting foreign investment, and ensuring economic equity for organizations. The “Implementation of Islamic Economics in the Micro-economy” includes improving household resilience to inflation, the potential eradication of poverty, and controlling inflation for essential goods through customer relationship management systems. Finally, the “Implementation of Islamic Economics in the Macro-economy” includes reducing economic tensions arising from sanctions, achieving sustainable economic development, and overcoming the constraints imposed by economic sanctions.