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Perkembangan Bank Syariah Di Asia Tenggara: Sebuah Kajian Historis Ghozali, Mohammad; Azmi, Muhammad Ulul; Nugroho, Wahyu
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 | Full PDF (409.139 KB) | DOI: 10.22219/jes.v4i1.8700

Abstract

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.
Analisis Pemikiran Ekonomi Islam Imam Abu Hanifah Zatadini, Nabila; Ghozali, Mohammad
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

Abstract

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.
EKONOMI SYARIAH DALAM HEGEMONI FAHAM KAPITALISME DAN SOSIALISME; SEBUAH SOLUSI POLA HIDUP MUSLIM Ghozali, Mohammad
Ijtihad : Jurnal Hukum dan Ekonomi Islam Vol 13, No 1 (2019): IJTIHAD : Hukum dan Ekonomi
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (414.326 KB) | DOI: 10.21111/ijtihad.v13i1.3234

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Ilmu ekonomi konvensional sebagai suatu disiplin ilmu yang diambil dari ide kapitalis dan sosialis telahdikembangkan selama lebih dari satu abad, hingga majudan berkembang, serta akhirnya mendominasi pemikiranekonomi modern. Kontribusinya sangatlah besar bagikemajuan kehidupan manusia secara materiil. Akan tetapi,seiring perkembangan zaman, sistem ini menunjukkankerapuhannya dan menyebabkan penyimpangan nilai sosialdan moral dalam masyarakat. Krisis ekonomi dan moral yang banyak terjadi pada beberapa negara yang menerapkansistem kapitalis adalah sebagian bukti kegagalan sistemyang dipaksakan oleh negara-negara Barat. Sistem initelah memperlebar jarak pemisah antara orang kaya dan orang miskin, antara pekerja dan pemilik modal, antaranegara maju dan negara berkembang, serta menyebabkantingginya inflasi, bertambahnya jumlah pengangguran, sertahilangnya keseimbangan alam karena aktifitas produksi yangberorientasi pada maksimalisasi profit semata. Di sampingitu, sistem ini juga memiliki andil dalam menciptakangaya hidup hedonisme, egoisme dan konsumerisme tanpabatas. Ironisnya, hal ini tidak hanya terjadi di negara-negaranon Islam, akan tetapi negara Islam pun ikut merasakanimbasnya.Di tengah kondisi seperti ini, muncul wacana untukmembangkitkan kembali sistem ekonomi Islam. Sebuahsistem yang berlandaskan kepada al-Quran dan hadits danpernah mencapai masa emasnya, serta terbukti efektif untukmencegah masalah-masalah sosial ekonomi. Sistem ekonomiyang mengembalikan fitrah ekonomi manusia pada tingkatandan kedudukan yang proporsional. Dari hal tersebut,penelitian ini bertujuan untuk mengungkap kerapuhansistem ekonomi konvensional yang telah menguasaipemikiran masyarakat dunia, sekaligus membuktikan bahwasistem ekonomi yang efektif untuk diterapkan saat iniadalah sistem yang telah dirintis oleh Rasulullah SAW, dandikembangkan oleh para sahabat beliau.
PERAN BAITUL MAL DALAM DAULAH ISLAM SEBAGAI SENTRAL PEREKONOMIAN NEGARA Zahro’, Khurun’in; Ghozali, Mohammad
Jurnal Al-Ashlah Vol 3, No 1 (2019)
Publisher : STAI Ma'arif Jambi

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Abstract

Di Indonesia Baitul Mal sebagai salah satu Lembaga Keuangan Syariah(LKS) yang sudah lama tersebar dalam daerah-daerah dan keberadaannya sudahditerima oleh masyarakat luas. Baitul Mal dalam peradaban Islam merupakansuatu lembaga yang mengelola keluar dan masuknya harta dalam tatananpemerintahan. Namun, dalam prakteknya Baitul Mal di masyarakat pada zamansekarang ini sangatlah berbeda dengan Baitul Mal yang telah dipraktekkan dalamsejarah Islam sejak masa Rasulullah SAW. kemudian diteruskan oleh paraKhalifah sesudahnya hingga kehancuran Khilafah di Turki pada tahun 1924.Pemahaman yang selama ini terjadi secepat mungkin harus diubah, belajar dariapa yang dilakukan pada masa Rasulullah SAW.Pada saat itu, Baitul Mal memegang andil bagian yang sangat penting,karena tidak hanya bermanfaat dari aspek ekonomi saja, tapi juga dari semuaaspek kehidupan negara. Maka, faktor terbesar untuk memajukan danmengembangkan Baitul Mal adalah daulah atau negara itu sendiri. Tanpa adanyasuatu negara yang menjunjung tinggi akan pentingnya Baitul Mal dengan tandakutip seperti Baitul Mal pada zaman Nabi dan Khulafaurrasyidin, maka akanmenyulitkan praktisi atau akademi untuk mengembalikan fungsi Baitul Malsebagai sentral perekonomian negara. Tujuan dari penelitian ini adalah untukmengetahui fungsi Baitul Mal dalam daulah Islam yaitu sebagai sentralperekonomian Negara.Kata Kunci: Baitul Mal, Khalifah, Ekonomi.
PARADIGMA FILSAFAT EKONOMI SYARIAH SEBAGAI SUATU SOLUSI KEHIDUPAN MANUSIA Ghozali, Mohammad; Sari, Tryas Titi
DIKTUM: Jurnal Syariah dan Hukum Vol 16 No 2 (2018): Diktum: Jurnal Syariah dan Hukum
Publisher : Fakultas Syariah dan Hukum Islam Institut Agama Islam Negeri (IAIN) Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (390.658 KB) | DOI: 10.35905/diktum.v16i2.615

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The philosophy of Economics Sharia or Islamic real economics have appeared since the existence of the religion of Islam, i.e. Since the days of the Prophet. His goal was to bring humans to the world and the hereafter fallah and putting human beings as the Caliph was given a treasure by God to take advantage of what is on Earth with his best. A Socialist or a capitalist system is not able to answer the problem humans with leaves many problems of life, with evidence that the system is not able to give welfare to humanity as a whole even just for some particular people only. This factor becomes one evidence that economy more Islamic have the right concept and can provide overall well-being to mankind. It can be seen from the deployment of Islamic economic system since the days of the Prophet, which has provided a good impact to the society that existed at the time. And when the system is taken down to the next generation, in fact it can be applied with good and provide solutions for existing problems. Thus Islamic economic philosophy is holding an important role in the development of the economy of humans for the sake of reaching fallah is expected.
ANALISA KRITIS IMPLEMENTASI AKAD WADI’AH DALAM PERBANKAN SYARIAH Candrakusuma, Mushlih; Ghozali, Mohammad
EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Vol 3 No 1 (2016): Jurnal Ekonomi Syari'ah & Bisnis Islam
Publisher : LIPI

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Abstract

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.
ANALISIS PERKEMBANGAN EKONOMI ISLAM DI ASIA TENGGARA (Sebuah Kajian Historis) Akmal, Haerul; Ghozali, Mohammad
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 2, No 1 (2017)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (498.639 KB) | DOI: 10.29300/ba.v2i1.951

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Abstract : The development of Islamic Economy in several Asian countries through many processes, among them is the establishment of a Law or a Government Regulation. The development of Islamic economics in several Asian countries such as Indonesia, Malaysia, Singapore, Thailand and Brunei Darussalam, can be seen from the growth of Banking in each of these countries. The method used in this writing is the Writing Method Library Reseach. This study yielded some important points, that the development of Islamic economics in the countries that become the object of research, originated from the seriousness of the Muslims to establish sharia-based banking, because in the minds of minority Muslims, that they have the right to consume halal banking products and in accordance with their religious teachings. The aspirations of these Muslims are not only heard by the local government, but the government's attention is on their aspirations. In the end, as a proof of the concern, a regulation was issued concerning the opening of banking with profit sharing or non-interest system.Keywords : Islamic Economy,Sharia Banking
CHARACTERISTICS OF ANEMIA IN CHILDREN WITH HIV INFECTION Ghozali, Mohammad; Adhi Sunjaya, Al Farizi; Indrati, Agnes Rengga
Majalah Kedokteran Bandung Vol 50, No 2 (2018)
Publisher : Faculty of Medicine, Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (831.509 KB) | DOI: 10.15395/mkb.v50n2.1236

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Anemia is a hematologic complication commonly encountered in HIV patients. Although the severity of anemia is generally mild, anemia has been shown to be a strong risk factor for disease progression, particularly in HIV infected person. With different severity and types of anemia in HIV patients, it is necessary to identify the severity and type of anemia in HIV-infected children, thus helping to determine the prognosis and management of their anemia. The purpose of this study was to describe HIV patient staging infection, co-morbidities, and type of anemia in HIV-infected children based on their therapy. A descriptive quantitative research was conducted in Dr. Hasan Sadikin General Hospital Bandung. Data were collected from patients? medical records diagnosed with HIV between 2015?2017. The severity of anemia was set according to World Health Organization standards in 2011 and the types of anemia were identified from the erythrocyte index on routine hematologic examination. Forty-seven of 73 children had anemia. Based on the severity of anemia, 26% mild anemia, 60% moderate anemia, and 15% severe anemia were found. Subsequently, hypochromic microcytic (40%), macrocytic (32%), and normocytic normochromic (28%) anemia were identified. Considering the direct and indirect mechanism to yield anemia in HIV-infected patients, this double sword symptom becomes the most common complication burdened the growth and development of HIV-infected children. This study made it even more pronounced. Key words: Anemia, Children, HIV Karakteristik Anemia pada Anak Terinfeksi HIVAnemia adalah komplikasi hematologi paling sering ditemukan pada pasien HIV. Meskipun tingkat anemia pada umumnya ringan, anemia telah terbukti menjadi faktor risiko kuat terhadap perkembangan penyakit. Terdapat perbedaan tipe anemia pada pasien HIV dengan etiologi yang berbeda pula sehingga perlu dilakukan identifikasi mengenai tingkat dan tipe anemia pada pasien HIV anak, yang pada akhirnya dapat membantu menentukan prognosis dan penatalaksanaan anemia pada pasien ini. Suatu penelitian deskriptif kuantitatif ini bertujuan mengetahuitingkat dan tipe anemia dengan mengklasifikasikannya berdasarkan komorbiditas pada pasien HIV/AIDS anak di RSHS tahun 2015?2017 menggunakan data rekam medik pasien pemeriksaan hematologi rutin. Tingkat anemia ditetapkan berdasar atas standar WHO, sementara jenis anemia dilihat dari indeks eritrosit. Sebanyak 73 pasien anak terinfeksi HIV, didapatkan 47 anak mengalami anemia. Tingkat anemia ditemukan anemia ringan (26%), anemia sedang (60%), dan anemia berat (15%). Tipe anemia yang ditemukan adalah normositik normokromik (28%), makrositik (32%), dan mikrositik hipokromik (40%). Tingkat anemia pada pasien HIV anak di RSHS pada umumnya adalah anemia sedang. Tipe anemia terbanyak pada penelitian adalah mikrositik hipokromik. Kata kunci: Anak, anemia, HIV
APLIKASI KRIOPROTEKTAN EKSTRASELULER TUNGGAL SECARA EFEKTIF MEMPERTAHANKAN KUALITAS SPERMA MANUSIA PASCAVITRIFIKASI Widyastuti, Rini; Syamsunarno, Mas Rizky A. A.; Ghozali, Mohammad
Majalah Kedokteran Bandung Vol 50, No 4 (2018)
Publisher : Faculty of Medicine, Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (176.359 KB) | DOI: 10.15395/mkb.v50n4.1319

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Pemilihan jenis krioprotektan merupakan salah satu kunci keberhasilan dalam mempertahankan motilitas dan viabilitas sperma pascavitrifikasi. Secara konvensional, vitrifikasi menggunakan konsentrasi krioprotektan dan laju kecepatan pembekuan yang tinggi untuk menghindari pembentukan kristal es intra dan ekstraseluler yang menyebabkan kerusakan dan kematian pada sel. Berdasar atas kemampuan menembus membran sel, krioprotektan dibedakan menjadi krioprotektan ekstra dan intraseluler. Sperma manusia memiliki struktur morfologi yang sangat padat dan sedikit mengandung sitoplasma sehingga perpindahan cairan selama proses vitrifkasi sangat kecil. Selain itu, sperma manusia juga mengandung beberapa jenis protein yang dapat berfungsi sebagai krioprotektan intraseluler. Berdasar atas kondisi tersebut, penggunaan krioprotektan pada vitrifkasi sperma manusia memerlukan studi lebih lanjut. Penelitian ini dilakukan di Laboratorium Sentral Universitas Padjadjaran dan dilaksanakan pada bulan Desember 2017?Januari 2018.Penelitian ini bertujuan mengetahui motilitas dan viabilitas sperma pascavitrifikasi dengan menggunakan tipe krioprotektan yang berbeda dan kombinasi keduanya. Earle?s balanced salt solution digunakan sebagai krioprotekan ekstraseluler, sementara EG 0,57% sebagai krioprotektan intraseluler. Sampel yang telah ditambahkan medium vitrifikasi diequilibrasi selama 10 menit, kemudian dikemas di dalam straw 0,25 mL dan langsung dipaparkan ke dalam nitrogen cair. Evaluasi dilakukan dengan melakukan thawing setelah 24 jam penyimpanan. Hasil menunjukkan bahwa motilitas dan viabilitas sperma tertinggi pada kelompok yang menggunakan media vitrifikasi krioprotektan ekstraseluler, walaupun secara statistik tidak berbeda nyata dengan kelompok lainnya (34%; 50%; p<0,05). Sebagai simpulan, krioprotektan ekstraseluler merupakan media vitrifikasi terbaik untuk menjaga motilitas dan viabilitas sperma pascavitrifikasiKata kunci: Krioprotektan, sperma manusia, vitrifikasi  Single Extracellular Cryoprotectant Application Effectively Maintain Post-Vitrification Human Sperm QualitySelection of cryoprotectant is one of the keys to maintain sperm motility and viability after vitrification. Conventionally, vitrification uses cryoprotectants with high concentration and cooling rate to avoid the formation of intra- and extra-cellular ice crystals that can induce cell damage and cell death. Morphology structure of human sperm is very dense and contain less cytoplasm compartment; therefore mobilization of fluid is minimum during vitrification. In addition, human sperm also contains several types of protein that function as intracellular cryoprotectants. Based on this condition, the use of cryoprotectants in human sperm vitrification needs a further study. This study was conducted at the Central Laboratory of Universitas Padjadjaran in December 2017?January 2018. The aim was to determine the motility and viability of post-vitrification sperm by using different types of cryoprotectants. Samples that had been mixed with vitrification medium were equilibrated for 10 minutes, packed in a 0.25 mL straw, and directly exposed to liquid nitrogen. The evaluation was conducted  by thawing after 24 hours of storage. The results showed that the highest sperm motility and viability was  found in the group that used extracellular cryoprotectant vitrification media although it was not statistically different ( 34%; 50%, p <0.05) In conclusion, extracellular cryoprotectants are the best vitrification medium for maintaining motility and viability of post-vitrification sperm.Key words: Cryoprotectant, sperm, vitrification  
MODEL PENERAPAN KONTRAK BISNIS SYARIAH DALAM MANAJEMEN RISIKO BMT UGT SIDOGIRI Ghozali, Mohammad; Zaid, Abdul Hafidz bin; Ulfa, Badria Nur Lailina
Kodifikasia Vol 14, No 1 (2020)
Publisher : IAIN PONOROGO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/kodifikasia.v14i1.1952

Abstract

KSPPS BMT UGT Sidogiri adalah  salah satu BMT terbesar di Indonesia dengan banyak jaringan kantor cabang yang tersebar di Indonesia. BMT UGT Sidogiri memilikikinerja keuangan bagus dan terbaik dilihat dari perkembangannya beberapa tahun terakhir.Dengan pembiayaan yang semakin besar dan meningkat, maa pihak BMT haruslah siap untuk menghadapi risiko-risiko dalam pembiayaan dan operasionalnya. Maka BMT UGT Sidogiri memerlukan adanya penerapan manajemen yang baiksehingga mampu mengurangi  risiko yang akan dihadapi dari setiap kegiatan yang dilakukan oleh pihak BMT. Penelitian ini merupakan kualitatif yang bersifat induktif. Pada penelitian ini maka permasalahan dibiarkan muncul untuk diinterpretasi. Data dikumpulkan dengan pengamatan, mencakup deskripsi dalam konteks mendetail yang  disertai catatan hasil pengamatan, wawancara, serta hasil analisis dokumen dan catatan. Teknik analisis menggunakan deskriptif analitis. Dengan hasil penelitian bahwa BMT UGT Sidogiri dalam menerapkan kontrak bisnis syariah menggunakan prinsip 5C dan 1S yaitu: 1) Character, 2) Capacity, 3) Capital, 4) Collateral, 5 Condition of Economic dan 6) Sharia. Penerapan prinsip tersebut dalam manajemen risiko digunakan sesuai dengan Standart Operasional Prosedur yang berlaku, sehingga dapat menimialisir risiko yang terjadi dan juga dapat  membantu mengembangkan usaha masyarakat sekitar. [KSPPS BMT UGT Sidogiri is one of the largest BMT in Indonesia with many branch offices in Indonesia. The BMT UGT Sidogiri has good financial performance and best viewed from its development in recent years. With the increasing of financing, the BMT must be ready to deal with the risks that involved in the financing and operations. Therefore, BMT UGT Sidogiri requires the implementation of good management to reduce the risk that will be faced by any activities undertaken by the BMT. This research uses an inductive qualitative method. This research let the problems appear to be treated for interpretation. The data are collected by observations, including the descriptions in a detailed context with the transcript of observations, interviews, documents and record analysis results. The analytical technique that used is descriptive analytic. With the results of study that BMT UGT Sidogiri in implementing of Sharia business contracts using the principles of 5C and 1S as follow: 1) Character, 2) Capacity, 3) Capital, 4) Collateral, 5 Condition of Economic and 6) Sharia. The implementation of these principles in the risk of management is used in accordance with the operational standards of the applicable procedures, so to be able to improve the risks that occur and also can help to develop the community's livelihood.] 
Co-Authors 'Athifa, Rofifa Dhia A.A. Ketut Agung Cahyawan W ABDUL AZIZ, MUHAMMAD Abdul Hafidz Bin Zaid Adhi Sunjaya, Al Farizi Afifah, Amatullah Nur Agnes Rengga Indrati Ahmad Yasin, Ahmad Aini, Yulia Hayatul Akbar, Rohul Amaylia Oehadian Andy Kurniawan, Andy Anggraeni, Neni Annas, Muhamad Arief Boediono Azmi, Muhammad Ulul Bashari, Muhammad H. Candrakusuma, Mushlih Damayanti, Luthfiyah Devid Frastiawan Amir Sup Dewantara, Affrizal Berryl Dwi Wahyudha Wira Dyah Laksmi Dewi Effendi, Ahmat Muzaeni Arif Eko Fuji Ariyanto Fedro, Alfarid Gaga Irawan Nugraha Haerul Akmal Hanifah, Cenia P. Harira, Auna Hasanuddin Yusuf Adan Imam Kamaluddin Iman Nur Hidayat Inayati, Iis Irianto, Gunawan Jamilah, Adinda Muftiviany Nur jayanti, kurnia firmanda Kamri, Norazzah Binti Khafid, M. Ali Zi khoirunnisa, ria khoirunnisa, ria Khristian, Erick Khusniati Rofiah Kusumastuti, Annisa Silvi Laniyati Hamijoyo, Laniyati Lukman Hakim Mafaza, Syofi Aruni Mas Rizky A.A. Syamsunarno Modjaningrat, Ismiana Fatimah Muhammad Irkham Firdaus Mulyono Jamal Nadjwa Zamalek Dalimoenthe Nasyiruddin, Ahmad Zakky Praptama, Suhendra Prastyaningsih, Ika Purnama, Jeri N. Putra, Yoanda Syah putri alyumnah, putri Rachmawati, Andini Rahadiani, Nur Ramdan Panigoro Rangga Setiawan Ratu Safitri Reyhan, Muhammad Rini Widyastuti Rohman, Muchamad Zainur Safitri, Aiza Rahma Sahid, Mualimin Mochammad Sahputra, Jaya Saipul Nasution Sari, Tryas Titi Setiawan Bin Lahuri Siti Nur Fatimah Sonny Zulhuda Sulistiyorini, Ifa Sumirat, Vanessa A. Syamsunarno, Mas Rizky A. A. Syamsunarno, Mas Rizky A.A Syamsuri Syauqoti, Roifatus TAKDIR SAILI Tamliqon, Muhammad Ulfa, Badria Nur Lailina Winangun, Kikin Zahro’, Khurun’in Zatadini, Nabila