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Zulham, Zulham
Universitas Islam Negeri Sumatera Utara Medan
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Analisis penyelesaian sengketa cicilan peer to peer lending syariah perspektif fatwa dewan syariah nasional-majelis ulama Indonesia Maharani Tambunan, Shalsabila Putri; Zulham, Zulham
Jurnal EDUCATIO: Jurnal Pendidikan Indonesia Vol. 9 No. 2 (2023): Jurnal EDUCATIO: Jurnal Pendidikan Indonesia
Publisher : Indonesian Institute for Counseling, Education and Therapy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/1202323229

Abstract

Indonesia dengan mayoritas penduduk beragama Islam memberikan ruang P2P Lending dengan Syariah, untuk itu Majelis Ulama Indonesia, mengatur P2P Lending di dalam Fatwa No. 117/DSN-MUI/II/2018 tentang Layanan Pembiayaan berbasis Teknologi Informasi berdasarkan Prinsip Syariah. Meskipun demikian, tidak menutup kemungkinan terjadinya permasalahan dalam P2P Lending Syariah ini, salah satunya mengenai sengketa cicilan yang sudah dibayar yang dapat berdampak pada kerugian nasabah. Tujuan penelitian ini untuk menganalisis penyelesaian sengketa atas tagihan cicilan yang sudah dibayar dalam transaksi P2P Lending Syariah berdasarkan Fatwa No. 117/DSN-MUI/II/2018 tentang Layanan Pembiayaan berbasis Teknologi Informasi berdasarkan Prinsip Syariah di Kota Medan. Metode penelitian yang digunakan adalah penelitian hukum empiris dengan menyajikan analisis temuan berdasarkan interview dan observasi. Hasil penelitian menunjukkan, bahwa tindakan yang paling direkomendasikan dalam menyelesaikan sengketa Financial Technology adalah dengan melalui proses Non-Litigasi, karena proses Non-Litigasi memiliki kelebihan proses yang cepat, nyaman dan biaya ringan. Mekanisme alternatif proses Non-Litigasi dalam penyelesaian sengketa yang menjadi rekomendasi adalah melalui (BASYARNAS). Untuk mencegah terjadinya sengketa yang dapat merugikan konsumen dalam transaksi keuangan Syariah, penulis menyarankan adanya DPS (Dewan Pengawas Syariah) khusus direkomendasikan oleh Komisi Syariah Nasional MUI (DSN-MUI).
PENERAPAN METODE ALGORITMA C4.5 UNTUK MENENTUKAN TINGKAT KEPUASAN KONSUMEN DALAM MENGGUNAKAN KARTU TELKOMSEL Nadia, Isra; Zulham, Zulham; Yasir, Amru
CompTech : Jurnal Ilmu Komputer dan Teknologi Vol 1, No 2 (2025): Maret
Publisher : Compart Digital

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63854/comptech.v1i2.25

Abstract

Telkomsel merupakan perusahaan operator telepon seluler yang menyediakan layanan untuk pengguna telepon seluler. Operator telepon seluler membuatkan kartu SIM dengan ukuran kecil untuk pelanggan dengan cara harus dimasukan ke setiap ponsel untuk mendapatkan akses layanan tersebut. Salah satu operator seluler yang banyak digunakan dan termasuk dalam kategori terbesar di Indonesia yaitu Telkomsel. Dalam Penelitian ini menerapkan metode Algoritma C.45 dalam memutuskan kepuasan pelanggan terhadap penggunaan kartu Telkomsel prabayar. Tujuan dalam penelitian ini untuk mengetahui apakah pengaruh kualitas pelayanan terhadap kepuasaan pelanggan kartu simpati jika di tinjau dari dimensi kepuasaan pelanggan. Metode penelitian yang dipakai yaitu Algoritma C4.5. Dalam Penelitian ini terdapat 500 orang yang merespon, tetapi hanya 20 repon yang menjadi bahan perhitungan. Dalam hasil penelitian pengaruh harga paket sangat berpengaruh secara efektif dan efesien terhadap kepuasan pelanggan di Telkomsel.
Political Behavior of the Chinese Ethnic Community in the 2024 Legislative Election in Lhokseumawe City Fitri, Amanda; Muzaffarsyah, Teuku; Zulhilmi, Zulhilmi; Faisal, Naidi; Zulham, Zulham
Sinthop: Media Kajian Pendidikan, Agama, Sosial dan Budaya Vol. 4 No. 2 (2025): July-December
Publisher : Lembaga Aneuk Muda Peduli Umat, Bekerjasama dengan LaKaspia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69548/sinthop.v4.i2.47.229-238

Abstract

This study examines the political behavior of the Chinese ethnic community in Lhokseumawe, Aceh, during the 2024 Legislative Election. The research explores how this minority group participates in politics and what factors shape its voting decisions within a post-conflict environment. A qualitative descriptive approach was applied, using in-depth interviews, participant observation, and document analysis conducted between April and May 2025. Ten informants were selected through purposive and snowball sampling, representing community leaders, business actors, first-time voters, and a local academic. The findings show that participation among the Chinese community is active in the formal sense but limited in scope. Voting is treated as a civic responsibility, while involvement in party or campaign activities is minimal. Economic considerations are the strongest influence on political choice, as respondents associate stable governance with the continuity of their businesses. Family and community networks play a guiding role in decision-making, and national parties are preferred for their perceived neutrality and inclusiveness. These orientations produce a pattern of political behavior that values stability and social harmony over ideological alignment or power competition. Interpreted through the lens of rational choice and social identity theories, the findings suggest that political participation among this minority group reflects a pragmatic adaptation to local conditions. Engagement in electoral processes serves as both an affirmation of citizenship and a strategy to maintain coexistence within a socially sensitive environment. The study provides insight into how small ethnic minorities in post-conflict areas negotiate democratic participation through cautious and context-aware practices.
Analisis Semiotik Derrida dalam Gaya Komunikasi Publik Dedi Mulyadi Susanti, Ratna; Zulham, Zulham; Pranawukir, Iswahyu; Kusuma, Ema; Ningsih, Titiek Surya
Petanda: Jurnal Ilmu Komunikasi dan Humaniora Vol 7, No 3 (2025): Desember 2025
Publisher : Universitas Prof. Dr. Moestopo (Beragama)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32509/petanda.v7i3.6084

Abstract

This study aims to analyze Dedi Mulyadi’s public communication style through Derrida’s semiotics, particularly the concept of deconstruction. This approach is used to uncover layers of meaning often manifested by cultural narratives, traditional symbols, and cultural expressions on digital platforms. Using a qualitative method with text and video analysis, interpretation of symbols, diction, and gestures, the study reveals that Dedi Mulyadi’s communication is rich in markers of locality, simplicity, and closeness to the people. However, these meanings are not singular and remain open to deconstruction. Based on Derrida’s conception, it is found that Dedi Mulyadi’s communication style blurs the boundaries between the elite and the people, power and simplicity, representation and reality. His public communication style represents a deconstruction of conventional political communication practices by blending modern and traditional symbols, dissolving the boundary between the elite and the masses through the use of ambiguous yet populist. This approach also helps to reveal how the signs used by Dedi Mulyadi are highly open to multiple interpretations and continuously shifting meanings. The study recommends the importance of applying deconstructive analysis in political communication studies to better understand the dynamics of meaning and imagery within digital public spaces.
Ganti Rugi Atas Kebakaran Gunung Bromo Disebabkan Pengguna Flare Pada Saat Foto Prewedding Perspektif Wahbah Az-Zuhaili Ima Arti Cahyani Sipayung; Zulham Zulham
Jurnal Ilmu Hukum, Humaniora dan Politik Vol. 4 No. 3 (2024): (JIHHP) Jurnal Ilmu Hukum, Humaniora dan Politik (Maret - April 2024)
Publisher : Dinasti Review Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jihhp.v4i3.1903

Abstract

The Mount Bromo fire caused by the use of flares during prewedding photos raises questions about compensation. The purpose of this research is to find out how compensation for the Mount Bromo Fire Caused by Flare Users During Prewedding Photos in the Perspective of Wahbah Az-Zuhaili. The method used in this research is the normative method, to analyze the obligation of compensation based on positive law in Indonesia. The results of this study are according to the Law Regulations based on the Criminal Code, flare users can be convicted and charged compensation, especially since this fire case was caused by negligence that harmed many parties including the Indonesian state, and has harmed the state budget, nature, and surrounding residents. Meanwhile, according to Wahbah Az-Zuhaili, compensation must be based on the principles of ta'zir and ta'widh. A fair compensation solution can be sought through consensus deliberation involving all relevant parties.
Co-Authors A. A. Ngurah Gunawan Aan Wasan Abdullah Abdullah Aflahani, Samara Aisyah , Andi Nur Aminudin, Aminudin Ananda, Faisar Andini, Farah Andy Satria Antoro, Budi Arief Fahmi Lubis Aryulindah, Adinda Astin Nur Hanifah Awaliyah, Dinda Bambang Ismaya Budi Hermanto, Budi Burhan, Asril Buyung Solihin Hasugian Cahyani Sipayung, Ima Arti Daulay, Mahmud Yunus Deryansyah, Adzan Desar Dina Sakinah Dito Anurogo, Dito Efri Sarnauli Nasution EKA CHANDRA LINA Eka, Muhammad Erni Hastuti Fatmawati Sabur Fauzan . Febrian, Wenny Desty Febriyanti, Indah Firayani Fitri, Amanda Frithadila, Najmah Fuqara, Fantashir Awwal Gandariani, Titis Hafizah, Akhwani Shifa Handayani, Nurdiana HARDIANTO, RISKI Harfika, Meiana Hasan Sazali Hasibuan, Irfan Effendi Hastati Isna Efelia Hayuni, Sabrina Herdiansah, Arief Hidayat, Rahmat Hilal, Achmad Hilarius Wandan Husein S, M. Syarif Ibrahim, Nur Wahyuningsih Ika Yuniwati, Ika Ikbal Ilmi, Khilwa Ima Arti Cahyani Sipayung Imanirubiarko, Sabda Irwansyah Irwansyah Iswahyu Pranawukir Iswanto, Juni Judijanto, Loso Julina, Sinta Khairi, Khairi Khairi, Nur Kurniawati Kurniawati Kusuma, Ema Kusumawati, Indra Kusworo, Singgih Ladjin, Nurjanna Larisu, Zulfiah Latip, Muhammad Lengam, Rino Liesnaningsih, Liesnaningsih Lubis, Halimatussakdiyah M. Syarif Husein S Maharani Tambunan, Shalsabila Putri Mahfudz Masduki, Mahfudz Mahpud, Mahpud Malasari, Citra Azhariat Manik, Indra Prawira Maria Ulfa Marlina Marlina Marlyn, Hazlya Maryani, Halimatul MAURITZ PANDAPOTAN MARPAUNG Meny Sriwati, Meny Muhammad Abdun Jamil Muhammad Aminullah, Muhammad Muhammad Fazil, Muhammad Muhammad Ishaq Shamad Muhammad Latip Muhammad Yasar Mustaqimah Mustaqimah Muzaffarsyah, Teuku Muzammil, Abdul Nadia, Isra Naidi Faisal, Naidi Nashrulloh, Dewi Nasution, Efri Sarnauli Nasution, Fadli Adnin Nasution, Nisrina Thufailah Neliwati Ningrum, Dewa Alyu Sastra Ningsih, Setia Ningsih, Titiek Surya Novrandani, Satrio Nur, Mulyadi Nurfadilah Nurfadilah Nurhayati Nurhayati Oki Candra, Oki Pagar - Pagar Pagar Hasibuan Pagar Pagar Pagar, Pagar Pannyiwi, Rahmat Parulian, Toktong Priyono, Dedit Pulung Riyanto Purwanti, Cindy Mutiara Putri, Hasita Dwi R, Rinovian Raehana, Syarifa Rahmadani, Ahmad Rahman, Arif Muluk Rahman, M. Arif Rahmat, Rezqiqah Aulia Raida Agustina Rakatiwi, Yolanda ramadi, bagus Rasyid, Andi Ulfah Magefirah Ratna Susanti Rety Palupi Rina Susanti Ristati, Ristati Rokan, Mustapa Kamal Rosalia, Olyvia Rukoyah, Rukoyah Sabrina Aulia Rahmah Sahputra, Ngatno salamah salamah Sambo, Sri Wahyuni Sani, Indra Sari, Afni Nia Sari, Lely Meriaya Sarkawi, Sarkawi SIPAHUTAR, SITI NURHALIZAH Sri Mulyati Suat, Hatty Suhendra, Rivansyah Surtikanti Surtikanti Susanto Susanto Susilawati, Susilawati Sutriani Sutriani Syamsuriah, Syamsuriah Tahalele, Olivia Tahir, Musafir Tazali, Imam Teddy Oswari Telussa, Sandra Ivonnie Tetty Marlina Tarigan Tia Nurapriyanti Tia Nurapriyanti TR, A. Taufik Hidayah Usman, Fityatun Wan Rizca Amelia, Wan Rizca Widagdo, Djoko Yakobus, I Ketut Yanianur, Desi Yanti Setianti Yasir, Amru Yose Pratama Syaputra Yusrianto, Yusrianto Zainal Arifin Zaman, Khamarul Zulham Zulham Zulhilmi, Zulhilmi Zulkifli Zulkifli Zulrafli, Zulrafli