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All Journal MIMBAR (Jurnal Sosial dan Pembangunan) ASAS : Jurnal Hukum Ekonomi Syariah Kodifikasia: Jurnal Penelitian Islam Laa Maisyir Jurnal Ekonomi Islam IJTIHAD EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Jurnal Ekonomi dan Bisnis Islam FALAH Jurnal Ekonomi Syariah HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam AT-Tahdzib: Jurnal Studi Islam dan Muamalah Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ilmiah Al-Syir'ah Al-Iktisab: Journal of Islamic Economic Law Khadimul Ummah Journal of Social Dedication Conference on Innovation and Application of Science and Technology (CIASTECH) Jurnal Literasiologi Syarikat : Jurnal Rumpun Ekonomi Syariah Amwaluna Jurnal Ekonomi dan Keuangan Syariah Journal of Sharia Economics AL-FALAH : Journal of Islamic Economics Journal of International Conference Proceedings Journal of Islamic Economics Lariba DIKTUM: JURNAL SYARIAH DAN HUKUM

Ghozali, Mohammad

Universitas Darussalam Gontor

Author-ID : 802634

Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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ANALYSIS OF THE DECISION OF THE COURT OF THE RELIGION OF SLEMAN, YOGYAKARTA (NO. 796/ Pdt.G / 2018 / PA. Smn) ON THE RESCHEDULING OF MURABAHAH FINAN Ghozali, Mohammad; Afifah, Isyna
Ijtihad : Jurnal Hukum dan Ekonomi Islam Vol 13, No 2 (2019)
Publisher : Universitas Darussalam Gontor

The increasingly diverse needs of the community place financing as the most sought after product of bankservices. And Financial Institutions are a useful institutionto help launch an economic mechanism. Islamic financialinstitutions are developing very rapidly in Indonesia. Oneof them is the Islamic People?s Financing Bank which helpsin financing. One of the most attractive products for thecommunity is the Murabaha financing contract. However,Murabaha agreements are included in the high level ofproblematic financing. This is caused by the customersgiven that they cannot be fulfilled so that they becomebroken promises. This study aims to find out the descriptionof the decision of the Sleman Religious Court No.796 /Pdt.G / 2018 / PA.Smn, knowing the rescheduling of themurabaha contract in Islam and analyzing the decisions ofthe Sleman Religious Court in handling the renewal of themurabahah agreement according to Islam. The methodused in this study is descriptive qualitative, data presentationand conclusion drawing. In collecting data, researchers usethe method of observation, interviews and documentation.The results of this study are the decisions of the SlemanReligious Court in case No.796 / Pdt.G / 2018 / PA. Smn concerning the rescheduling of murabahah contracts inaccordance with Islamic law because they have used thefoundation of Islamic law. The decision of the SlemanReligious Court only strengthened the decision to bring upa peace agreement and to schedule a murabaha agreement

Kepatuhan Syariah Akad Murabahah Dalam Konsep Pembiayaan Pada Perbankan Syariah Di Indonesia Luluk Wahyu Roficoh; Mohammad Ghozali
AT-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 6 No 2 (2018): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib Ngoro Jombang Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (536.579 KB)

Murabahah contract is a contract of financing an item by affirming the purchase price to the buyer and the buyer paying more prices as an agreed profit. Murabahah form that is carried out by Islamic bank has undergone several changes from the original. Murabahah practiced in Islamic banks is known as Murabahah li al-aamir bi al-syira. Contemporary scholars disagree about the validity of buying and selling Murabahah li al-aamir bi al-syira. The Bank carries out Murabahah with customers, at the same time representing customers so that customers can buy the items they want. Basically, the provisions relating to the Murabahah agreement have been very explicitly described in the DSN MUI Fatwa Number 04 / DSN-MUI/ IV/2000 concerning Murabahah. Thus, what has been practiced by Islamic banking in financing with the Murabahah contract has deviated several provisions in the MUI DSN Fatwa.

KONSEP WELFARE STATE PADA KEBIJAKAN UMAR BIN ABDIL AZIZ SEBAGAI KHALIFAH BANI UMAYYAH Annisa Silvi Kusumastuti; Mohammad Ghozali
JURNAL ASAS Vol 12, No 01 (2020): Asas, Vol. 12, No. 01 Juli 2020
Publisher : Universitas Islam Negeri Raden Intan Lampung

Caliph Umar bin Abdul Aziz succeeded in implementing the concept of welfare state, namely prosperous state. Umar has a new policy to change the lives of people. One of the evidence is that there is no find one who can accept zakat because the whole community has been sufficient. Therefore, this research aims to know how Umar's strategy is to create prosperity for the community. The study used qualitative methods using the literature review taken from several books, journals, and several relevant reading sources. From the results of the research is known that Umar's policy strategy is by distributing a wealth of government officials with a fair and flat, but Umar also spent the Harat in Baitul Maal to pay the debt of society. Even when he was appointed Caliph, he gathered his people and announced and handed over all his unnatural possessions and family to Baitul Maal. In the event that Umar banned the sale of land Kharaj because it could be the main source of State acceptance. In the time of his glory, Caliph Umar received a source of acceptance of the state from Zakat, Jizyah, Kharaj, ' Usyr, and Ghanimah and Fa'i.Keywords: welfare state, policy, caliph Umar bin Abdul Aziz

Analisis Pemikiran Ekonomi Islam Imam Abu Hanifah Nabila Zatadini; Mohammad Ghozali
AL-FALAH : Journal of Islamic Economics Vol 3, No 1 (2018)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v3i1.404

Islamic economics has been practiced since the time of the Prophet Muhammad, but at that time until several centuries later there is no classification of specific disciplines for economics, causing some Muslim works lost by the western historians drowned. Therefore it is necessary to study the classical Islamic economic thinking. This paper aims to review Abu Hanifah's economic ideas by comparing it with the opinion of some scholars and match whether Abu Hanifah's thoughts can be used today. The method used is literature research with documentary method to collect data. The results of this study, that Abu Hanifah does not have a special idea in the economy but has a special view in every akqqhatat fiqh such as greetings, charity honey, and hawalah. Some of Abu Hanifah's opinions are different from other priests causing a Muslim today to sort out the khilafiyah.

Konsep Welfare State Pada Kebijakan Umar Bin Abdil Aziz Sebagai Khalifah Bani Umayyah Annisa Silvi Kusumastuti; Mohammad Ghozali
LAA MAISYIR: Jurnal Ekonomi Islam Vol 6 No 2 (2019)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v6i2.11891

Khalifah Umar bin Abdul Aziz berhasil menerapkan konsep welfare state, yaitu Negara yang sejahtera. Yang mana Umar memiliki kebijakan baru guna merubah taraf hidup masyarakat. Salah satu buktinya yaitu tidak temukan seorang pun yang dapat menerima zakat karena seluruh masyarakat telah berkecukupan. Oleh karena itu penelitian ini bertujuan untuk mengetahui bagaimana strategi Umar dalam menciptakan kesejahteraan untuk masyarakat. Penelitian ini menggunakan metode kualitatif dengan menggunakan literature review yang diambil dari beberapa buku, jurnal, dan beberapa sumber bacaan yang relevan. Dari hasil penelitian diketahui bahwa strategi kebijakan Umar yaitu dengan membagikan seluruh harta kekayaan para pejabat Negara dengan adil dan rata, selain itu Umar juga membelanjakan harta yang ada di baitul maal untuk membayar hutang masyarakat. Bahkan ketika diangkat sebagai Khalifah, beliau mengumpulkan rakyatnya dan mengumumkan serta menyerahkan seluruh harta kekayaan diri dan keluarganya yang tidak wajar kepada Baitul Maal. Bidang pertanian Umar melarang penjualan tanah kharaj karena itu dapat dijadikan sumber utama penerimaan Negara. Khalifah Umar menerima sumber penerimaan Negara dari zakat, jizyah, kharaj, ‘usyr, dan ghanimah dan fa’i.

Riba dan Ketidakadilan Sistem Ekonomi Kapitalisme: Sebuah Kajian Teoritis Yusi Septa Prasetia; Mohammad Ghozali
EKSYAR : Jurnal Ekonomi Syari'ah & Bisnis Islam Vol. 2 No. 2 (2015): EKSYAR : Jurnal Ekonomi Syari'ah & Bisnis Islam
Publisher : Study Program Ekonomi Syari'ah, Sekolah Tinggi Agama Islam Muhammadiyah Tulungagung

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Economic failures of capitalism in the justice and welfare system is due to interest (usury system) has applied. In the long term usurious system pose a huge gap between communities. So that cause various effects on the economy of the people. As the imbalance of the real sector and monetary sector, poverty and others. Islamic Economics as an economic system that re-echoed back to try to achieve justice and prosperity followers to abolish interest (usury) and replacing it with a system of profit sharing (profit loss sharing). As one alternative to achieve economic justice. The underlying revenue sharing system embodiment keadialan in various financial sector and the real sector. In an effort to expunge ribawi the centuries took place in various countries.

Analisa Kritis Implementasi Akad Wadi’ah dalam Perbankan Syariah Mushlih Candrakusuma; Mohammad Ghozali
EKSYAR : Jurnal Ekonomi Syari'ah & Bisnis Islam Vol. 3 No. 1 (2016): EKSYAR : Jurnal Ekonomi Syari'ah & Bisnis Islam
Publisher : Study Program Ekonomi Syari'ah, Sekolah Tinggi Agama Islam Muhammadiyah Tulungagung

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Islamic banking does not only have the opportunity, but also a variety of problems. Among these current accounts and savings products sharia, which is based on contract wadi'ah. In its application, the trust receives deposits of Islamic banks in storing and channeling funds so that people can benefit optimally. In principle, the wadi'ah uptake of a deposit in the form of any legal limits. Wadi'ah applied in Islamic banking, more relevant to the contract qard (of debt). Islamic banking implement the agreement or contract wadi qard'ah. The purpose of Islamic law (maqasid al-shari'ah) on guaranteeing the consignment (hifz al-mal), embodied in the product save deposit box. In the save deposit box, a treasure entrusted to the bank, stored in a special storage area, which is maintained by the bank. At the primary level (al-daru Riyah), maintaining wealth is something fundamental, so it must be fought for the sustainability of maintenance. At the secondary level (al-hajjiyah), save deposit box is one means of facilitating bank to keep up the maintenance of the property.

KONSEP PENGELOLAAN KEUANGAN ISLAM MENURUT PEMIKIRAN ABU UBAID Mohammad Ghozali; Ria Khoirunnisa
Jurnal Ekonomi dan Bisnis Islam | Journal of Islamic Economics and Business Vol. 4 No. 1 (2018): JANUARI-JUNI 2018
Publisher : Universitas Airlangga

The State compile a variety of planning that aims to realize the prosperity evenly. In the concept of BaitulMaal it is balance budget. The concept that emphasizes on the balance between the budget accepted by the budget issued. Thus, Islam allows the debtor but does not recommend. In the management of State finances, the Messenger as the leader is always trying to implement policies aimed at kemashlahatan of the Muslims. Abu Ubaid in Al-Amwal, who explained that the distribution of wealth in a fair and equitable should be based on the principles of good fiscal justice and perfect as possible. One of the biggest sources of funding over the financing of all government spending gained at this time is through taxes. In Indonesia it is the backbone of the tax revenue of the State. Therefore, in order for tax not incriminating peng in the community then the Government of Indonesia to make related the poll rules. The existence of such a regulation is expected to appropriate tax proportional voting so that no one is harmed. Therefore, the Government of Indonesia sought to maintain the principle of fairness in the poll tax, namely by improving tax laws if found weaknesses in it. However, improvements for the sake of improvement Government Indonesia has done is not bearing fruit, even saw unfairly. So from this it takes an alternative rule that can manifest justice in society. This research uses a type of research literature (library research) with the theoretical approach. This research study using the method of analysis and critique of the study research. This research using primary and secondary data. Methods of data analysis, using inductive techniques descriptive. The results of this research is the essence of thought Abu Ubaid on managing the finances of the State. This can be substantiated after review paradigm revenue from public ownership and State As like, sadaqah, kharaj, & ursy and khumus zakat, Jizya, and others that are tied to the halal-haram defined by Sharia law.Keywords: Management of Public Finances of Abu Ubayd, Baitul Maal

Perkembangan Bank Syariah Di Asia Tenggara: Sebuah Kajian Historis Mohammad Ghozali; Muhammad Ulul Azmi; Wahyu Nugroho
Falah: Jurnal Ekonomi Syariah Vol. 4 No. 1 (2019): Februari 2019
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v4i1.8700

The development of Islamic Banking in Southeast Asia is growing rapidly. Statistical data shows that Southeast Asia has become one of the centers for the development of the global Islamic finance industry. Literally, Indonesia and Malaysia is two countries in the region that have become dynamos for the development of the Islamic banking industry in ASEAN countries, this condition has encouraged other countries to be discussed in the development of the Islamic banking industry. The method of this paper is historical approach, which documentary methods in data collection techniques by analyzing documents that are relevant to the research topic. The conclusion of this study is that significant developments still occur in two countries, namely Malaysia and Indonesia, whereas in some countries such as Thailand, Singapore and the Philippines the development of Islamic banking is still minimal.

PERAN BAITUL MAL WA TAMWIL (BMT) DALAM PENGEMBANGAN EKONOMI UMAT Soritua Ahmad Ramdani Harahap; Mohammad Ghozali
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 7 │ No. 1 │ 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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AbstractIndonesian nation does’nt want to be positioned as a consumerist nation and the largest debtor country in the world. The important thing that is needed by the people of Indonesia today is the emergence of hope for the optimization of BMT in the field of empowering the poor in developing the people's economy. This study aims to determine the role of BMT as an Islamic financial institution in developing the current economic community. The results showed that the role of the Baitul Mal wa Tamwil (BMT) as a microfinance institution operated with a profit sharing concept, developed a sharia micro business that aimed to raise the degree and dignity and defend the interests of the poor and disadvantaged groups. As a sharia financial institution engaged in the economic development of the people, BMT must continue to evaluate each activity in order to improve the products offered. Therefore, BMT must now try to optimize development with a precise strategy so that people can continue to believe in BMT rather than conventional financial institutions.Keywords: BMT, Sharia Micro Enterprises, Islamic financial institutions AbstrakBangsa Indonesia tidak ingin diposisikan sebagai bangsa konsumeris dan negara pengutang terbesar di dunia. Hal penting yang dibutuhkan oleh masyarakat Indonesia saat ini adalah munculnya harapan terhadap optimalisasi BMT dalam bidang pemberdayaan masyarakat miskin dalam mengembangkan ekonomi umat. Penelitian ini bertujuan untuk mengetahui peran BMT sebagai lembaga keuangan Islam dalam mengembangkan ekonomi umat saat ini. Hasil penelitian menunjukkan bahwa peran Baitul Mal wa Tamwil (BMT) sebagai lembaga keuangan mikro yang dioperasikan dengan sebuah konsep bagi hasil, mengembangkan bisnis usaha mikro syariah yang bertujuan mengangkat derajat dan martabat serta membela kepentingan kaum fakir miskin dan golongan orang tidak mampu. Sebagai lembaga keuangan syariah yang bergerak dalam pengembangan ekonomi umat, BMT harus terus mengevaluasi setiap aktivas dalam rangka meningkatkan produk-produk yang ditawarkan. Maka dari itu, BMT saat ini harus berusaha mengoptimalkan pengembangan dengan strategi yang jitu agar masyarakat bisa terus percaya pada BMT daripada lembaga keuangan yang konvensional.Kata kunci: BMT, Usaha Mikro Syariah, lembaga keuangan islam

Co-Authors A'yun Nadhira Abdul Hafidz Bin Zaid Adinda Muftiviany Nur Jamilah Affrizal Berryl Dewantara Afifah, Isyna Ahmad Zakky Nasyiruddin Ahmat Muzaeni Arif Effendi Amatullah Nur Afifah Ana Sopanah Andy Kurniawan Annisa Silvi Kusumastuti Annisa Silvi Kusumastuti Anwar Fatoni Badria Nur Lailina Ulfa Hamid Fahmy Zarkasyi Hendri Setyo Wibowo Imam Kamaluddin Iman Nur Hidayat Intan Muthoharoh Isyna Afifah Iza Hanifuddin Khusniati Rofiah Kurnia Firmanda Jayanti Lukman Hakim Luluk Wahyu Roficoh M. Ali Zi Khafid Maharani Pradnya Paramita Mohamad Andi Syamsul Maula Muhamad Fajar Pramono Muhamad Muhamad Muhammad Irkham Firdaus Muhammad Tamliqon Muhammad Ulul Azmi Mulyono Jamal Mushlih Candrakusuma Nabila Zatadini Nur Azizah Latifah Resi Handayani Ria Khoirunnisa Rofifa Dhia ‘Athifa Rohul Akbar Setiawan Bin Lahuri Setiawan bin Lahuri Setiawan Bin Lahuri Soritua Ahmad Ramdani Harahap Syamsul Bahri Syamsuri Syamsuri Syofi Aruni Mafaza Tesa Mellina Tesa Mellina Tryas Titi Sari Wahyu Nugroho Wahyu Nugroho Wahyudi Bakri Yoanda Syah Putra Yunita Wulandari Yunita Wulandari Yusi Septa Prasetia

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