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All Journal Kodifikasia: Jurnal Penelitian Islam Laa Maisyir Jurnal Ekonomi Islam IJTIHAD Islamic Ecomonics Journal EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Jurnal Ekonomi dan Bisnis Islam Falah : Jurnal Ekonomi Syariah HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal Daulat Hukum Jurnal Sistem Kesehatan Jurnal Akta AT-Tahdzib: Jurnal Studi Islam dan Muamalah Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomi Islam al-Afkar, Journal For Islamic Studies Jurnal Ilmiah Al-Syir'ah Al-Iktisab: Journal of Islamic Economic Law Khadimul Ummah Journal of Social Dedication Islamika : Jurnal Ilmu-Ilmu Keislaman Conference on Innovation and Application of Science and Technology (CIASTECH) JURNAL PENDIDIKAN TAMBUSAI Jurnal Literasiologi Syarikat : Jurnal Rumpun Ekonomi Syariah Jurnal Pendidikan Kedokteran Indonesia: The Indonesian Journal of Medical Education JESI (Jurnal Ekonomi Syariah Indonesia) Amwaluna Jurnal Ekonomi dan Keuangan Syariah Jurnal Pendidikan dan Konseling 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 Jurnal Ekonomi Islam Jurnal Ekonomi Syariah At-Tahdzib: Jurnal Studi Islam dan Muamalah Jurnal Hukum, Administrasi Publik dan Negara

Mohammad Ghozali

Unversitas Darussalam Gontor

Author-ID : 802634

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

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Applications of Savings and Deposit Contracts in Islamic Financial Institutions Mohammad Ghozali; Syofi Aruni Mafaza
AL- IKTISAB Journal of Islamic Economic Law Vol 4, No 2 (2020)
Publisher : Universitas Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v4i2.5395

Wadi’ah is one of the forms of contract in Islamic financial institutions. Wadi’ah is the storage of goods accompanied by an agreement between the owner of the property or goods and a trusted party to take care of the property or goods. In principle, wadi’ah is to help the custodian of property or goods and the party in charge of the property or goods is as an assistant. Therefore, this wadi’ah contract is trust. This research study used a descriptive qualitative method with previous literature. The results of this study according to the type of wadi'ah are divided into two: namely the first is wadi'ah yad amanah (trust), where a person who receives a deposit is not allowed to use the goods or assets until it is taken back by the person who owns the property. The second type is wadi'ah yad dhamanah (guaranteed savings), which means that assets or goods can be used by the recipient of the deposit as long as they have not been returned to the depositor. However, if the profit is obtained from the utilization, then all of them are entitled to the recipient of the deposit. The status of the contract change from wadi'ah yad amanah to wadi'ah yad dhamanah can occur if: first, the assets in the deposit have been mixe. Second, recipients use the assets deposited. And third, recipients charge a service fee from the depositor.

Application for Wakalah bi al-Ujrah Contract in Various Banks, Insurance, and Syariah Mutual Funds Indonesia According to Wahbah Zuhaili Mohammad Ghozali; Adinda Muftiviany Nur Jamilah; Mulyono Jamal; Iman Nur Hidayat
AL- IKTISAB Journal of Islamic Economic Law Vol 5, No 1 (2021): Al-Iktisab: Journal of Islamic Economic Law
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v5i1.6204

Wakalah is one of the most frequently used transactions in insurance, mutual funds, and especially Islamic banking. Insurance is one of the economic activities that we often hear about, many of these activities, such as health insurance, education, and etc. This paper uses a literature analysis method by using journals as its primary source. According to Wahbah Zuhaili there is insurance that is allowed to do and there is insurance that is illegal to do. Basically, the purpose of the insurance is having a mutual help. So if the participant does not use the insurance premium they have been paid, this premium will be allocated to others. Until there is a help-seeking action based on sincerity. However, it will be illegal if the purpose of this insurance activity is based solely on profit. Thus, it will create a synergy that will eliminate the benefits. So this insurance being an illegal activity. which is containing five elements, there are riba, gharar, gaban, qimar, and jahalah, which can damage human benefits and harms. Then insurance activity is illegal.

Application Tabarru’ and Tijarah Contract on Sharia Insurance Mohammad Ghozali; Amatullah Nur Afifah
AL- IKTISAB Journal of Islamic Economic Law Vol 4, No 1 (2020)
Publisher : Universitas Darusssalam Gontor

In insurance has a contract that has been determined by sharia and has been written in the DSN-MUI namely there are tabarru’ and tijarah. See the contract offered by sharia insurance then this research aims to analyze how the application tabarru’ and tijarah authorizes in sharia insurance. The method used in this study is qualitative. The result of this study is wherein the tabarru’ have a purpose please help between insurance participants and tijarah authorizes have a commercial purpose, where the participant as a mall and company shohibul as a fundraiser. In this case, the tijarah authorizes can be turned into a tabarru’ contract when the party is willing to release its right to be transferred to tabarru’ fund. But instead, the tabarru’ can not turn into a tijarah.

The Jizyah Concept as the Source of Baitul Maal in Supporting the Country's Economy Syamsuri Syamsuri; Rohul Akbar; Setiawan bin Lahuri; Imam Kamaluddin; Mohammad Ghozali
AL- IKTISAB Journal of Islamic Economic Law Vol 4, No 2 (2020)
Publisher : Universitas Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v4i2.5393

Jizyah is one of the sources of income of baitul maal. Jizyah is an obligation/compensation for the protection of life, property, worship, and military responsibility. Jizyah is defined as a tax paid by non-Muslims. Baitul maal is an institution that has a duty to manage the property of the state, both in the form of income and state expenditure. The modern baitul maal can be interpreted as a financial minister or Indonesian bank that can perform actions in the field of budget and revenue of the state with a view to influence the economic path. This research aims to know if the concept of jizyah can be a source of baitul maal in supporting the country's economy. Research uses a library approach by using analysis content to analyse both primary and secondary data. Then write it with a descriptive method. As for the results of this study, Indonesia is one of the democratic countries, so it is not able to collect taxes only from the kafir dzimmi (non-Muslim). Therefore Indonesia applies various taxes to the community, such as income tax (PPh), value added tax (VAT), sales tax on luxury goods (Vat BM), stamp duty, land and building tax (PBB), land and building rights acquisition (BPHTB) as state income.

Profit and Loss Sharing (PLS) as Basis Characteristic of Islamic Banking: An Analysis of Mudharâbah Contract Mohammad Ghozali; Andy Kurniawan
AL- IKTISAB Journal of Islamic Economic Law Vol 1, No 1 (2017)
Publisher : Universitas Darusssalam Gontor

Mudhârabah constitutes one of the products in Islamic banking. It is a cooperationcontract between two parties, where one party (rabbul mâl) provides 100% fund andother (mudhârib) provide work. Profit will be shared between two parties according to apre-determined profit sharing ratio contract known as nisbah. In the case of loss, thecapital owner shall bear the monetary loss and manager or entrepreneur shall loose thereward of his effort unless caused by negligence or violation by mudhârib. This is coreconcept of mudhârabah, which gives fair business cooperation between two parties. Thisstudy will explore basis characteristics of mudhârabah in Islamic banking. The findingsare that Islamic banking has certain basic characteristics from PLS such as as justsystem, as tool of efficient allocation of capital, as productive contract that support whohave business either micro, middle or macro level, and as medium to reach the objecticveof Islamic economics.

The Management of Cash Waqf on Dinar and Dirham from The View of Islamic Law (Case study at Wakala Parent Bintan) Mohammad Ghozali; Yoanda Syah Putra
AL- IKTISAB Journal of Islamic Economic Law Vol 3, No 2 (2019)
Publisher : Universitas Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v3i2.3909

Waqf is a struggling conscience to give something to the development of people's welfare and struggle facilities. Many evidence conveys moving and stationary objects that can be represented but that is not enough to meet the growing needs of society. Based on the principle of waqf is made innovation of waqf products, namely cash waqf, which is with cash funds. The scholars' past practiced a lot of cash waqf using the dinar and dirham which is currently reappointed by Wakala Parent Bintan. The purpose of this research is to know the theory of Islamic law regarding cash waqf property management, to know the concept and practice of cash, dinar and dirham, to know the Islamic law on the management of cash and dinar Wakalah Parent Bintan. Research method of this study authors using qualitative method, which is a writing aimed at describing and analyzing a phenomenon about what Wakala Parent Bintan did in managing the cash waqf. From this study, researchers concluded that the practice of cash waqf in Wakala Parent Bintan using dinar and dirham, is a cash waqf that replaces it with a stationary object that produces the benefits of education rulings ahlu the madinah is a buy and sell transaction using both dinar and dirham and helps to enrich the surrounding community with market building for merchants without the use of taxes or rental of stalls in the market, as well as build a civilization away from riba. Thus the study can be concluded, but the researcher is aware that the research is far from the word perfection and requires further study that will discuss this issue more clearly. Great researchers hope for the advice and criticism and hopefully this research is beneficial for the authors in particular and the readers in general.

Construction of M. Umer Chapra's Economic Thoughts in Realizing Efficiency and Justice Khusniati Rofiah; Mohammad Ghozali
AL- IKTISAB Journal of Islamic Economic Law Vol 4, No 1 (2020)
Publisher : Universitas Darusssalam Gontor

A study of thought in the economic setting of Muslims. This study aims to find out the concept of thinking of a Muslim economist, M. Umer Chapra examines the existence of universal economic problems faced by the nations of the world, namely the lack of human well-being due to lack of efficiency and justice in the allocation of God-given resources, which cannot be solved by the conventional system. As an alternative to achieving efficiency and justice, Chapra proposes an Islamic economic system that has a worldview and strategy in line with the Islamic sharia that enables it to print a fair and viable solution in Muslim countries. For Chapra, the main purpose of the management of allocation and distribution should not deviate from the maqashid al-sharia (sharia goal) which is the well-being of the people. Method of this study using literacy, data collection and collection of objects, In this study it is found that the world view of Islamic economy according to Chapra is based on three basic principles: monotheism, caliphate and 'is. Harmony between the al-sharia and the worldview is not enough to bring efficiency and justice to the well-being of the people, according to Chapra needed a strategy for organizing the economic system with four necessary and mutually supportive elements: filter mechanism, correct motivation, socio-economic and financial restructuring, and the role of the nation.

The Merger of Indonesian Islamic Banks: Impact on the Islamic Economy Development Mohammad Ghozali; Norazzah Binti Kamri; M. Ali Zi Khafid
AL- IKTISAB Journal of Islamic Economic Law Vol 6, No 1 (2022): Al-Iktisab: Journal of Islamic Economic Law
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v6i1.7551

The development of Islamic banking and financial institutions in Indonesia is getting better from year to year. This development is a benchmark for the success of the Islamic economy. To become a new economic force in Indonesia, the Minister of State Owned Enterprises stated that there are plans to merge state owned Islamic banks namely BRI Syariah, BNI Syariah, and Bank Syariah Mandiri, as the total assets of Islamic banks will increase and become larger in Indonesia. This research aims to determine the impact of the merger of three Indonesian Islamic banks in the development of the Islamic economy. The research employed a qualitative method with a library research approach. The results have shown that the merger of three Islamic banks consisting of Bank BRI Syariah, Bank BNI Syariah, and Bank Syariah Mandiri into Bank Syariah Indonesia (BSI) has positive impacts on the Islamic economy development in Indonesia. Firstly, the increase in banking capital as a result of the merger of the three banks, the increase in economic activity in the field of Islamic capital markets, the promotion of the halal system in all service activities in banking. Secondly, the merger still allows customers to transact using their old accounts from their respective banks throughout the transaction period starting from e-Money, Tapcash, Brizzi, and or card based electronic money. Thirdly, all employees of the three banks are still employees of BSI and there are no layoffs despite the merger of three Islamic banks, and BSI opens talent development programs to all Indonesians to prepare Islamic bank leaders in the future. Fourthly, BSI created a talent development program for the Indonesian community to increase literacy and understanding of Islamic economics and work with economists and Islamic institutions to support the program, promote Islamic economic development by accelerating the completion of the halal value chain.Perkembangan perbankan dan lembaga keuangan syariah di Indonesia semakin baik dari tahun ke tahun. Perkembangan ini menjadi tolak ukur keberhasilan ekonomi syariah. Untuk menjadi kekuatan ekonomi baru di Indonesia, Menteri Badan Usaha Milik Negara menyatakan rencana untuk menggabungkan bank syariah milik negara yaitu BRI Syariah, BNI Syariah, dan Bank Syariah Mandiri, karena total aset bank syariah akan meningkat dan menjadi lebih besar di Indonesia. Penelitian ini bertujuan untuk mengetahui dampak merger tiga bank syariah Indonesia terhadap perkembangan ekonomi syariah. Penelitian ini menggunakan metode kualitatif dengan pendekatan penelitian kepustakaan. Hasil penelitian menunjukkan bahwa penggabungan tiga bank syariah yang terdiri dari Bank BRI Syariah, Bank BNI Syariah, dan Bank Syariah Mandiri ke dalam Bank Syariah Indonesia (BSI) berdampak positif bagi perkembangan ekonomi syariah di Indonesia. Pertama, peningkatan permodalan perbankan akibat penggabungan ketiga bank tersebut, peningkatan kegiatan ekonomi di bidang pasar modal syariah, promosi sistem halal dalam semua kegiatan pelayanan di perbankan. Kedua, penggabungan masih memungkinkan nasabah untuk bertransaksi menggunakan rekening lama dari bank masing-masing selama periode transaksi mulai dari e-Money, Tapcash, Brizzi, dan atau uang elektronik berbasis kartu. Ketiga, seluruh pegawai ketiga bank tersebut masih pegawai BSI dan tidak ada PHK meskipun tiga bank syariah telah bergabung, dan BSI membuka program pengembangan talenta kepada seluruh masyarakat Indonesia untuk mempersiapkan pemimpin bank syariah di masa depan. Keempat, BSI membuat program pengembangan talenta bagi masyarakat Indonesia untuk meningkatkan literasi dan pemahaman ekonomi syariah serta bekerjasama dengan para ekonom dan lembaga syariah untuk mendukung program tersebut, mendorong pengembangan ekonomi syariah dengan mempercepat penyelesaian rantai nilai halal.

Co-Authors A'yun Nadhira Abdul Hafidz Bin Zaid Achadiyani Adinda Muftiviany Nur Jamilah Affrizal Berryl Dewantara Afifah, Isyna Ahmad Zakky Nasyiruddin Ahmat Muzaeni Arif Effendi Akhmad Novandi Nurtajuddin Akmal Hibatullah Ramadhan Amatullah Nur Afifah Ana Sopanah, Ana Andi Triyawan Andy Kurniawan Annas, Muhamad Annisa Silvi Kusumastuti Annisa Silvi Kusumastuti Anwar Fatoni As Saif Miftahul Husain Badria Nur Lailina Ulfa Bashari, Muhammad Hasan Budi Ispriyarso Devid Frastiawan Amir Sup Eko Fuji Ariyanto Hamid Fahmy Zarkasyi Hendri Setyo Wibowo Ika Prastyaningsih Imam Kamaluddin Iman Nur Hidayat Intan Muthoharoh Isyna Afifah Iza Hanifuddin Khusniati Rofiah Kurnia Firmanda Jayanti Lukman Hakim Luluk Wahyu Roficoh Luluk Wahyu Roficoh M. Ali Zi Khafid M. Ali Zi Khafid Maharani Pradnya Paramita Mohamad Andi Syamsul Maula Muhamad Fajar Pramono Muhamad Muhamad Muhamad Said Muhammad Irkham Firdaus Muhammad Tamliqon Muhammad Ulul Azmi Mulyono Jamal Mushlih Candrakusuma Nabila Zatadini Nadjwa Zamalek Dalimoenthe Norazzah Binti Kamri Nur Azizah Latifah Nur Ramadani Meliani Syukri Nurmayunita Nurmayunita putri alyumnah Putri Halleyana Rahman Resi Handayani ria khoirunnisa Ria Khoirunnisa ria khoirunnisa Rofifa Dhia 'Athifa Rofifa Dhia ‘Athifa Rohul Akbar Soritua Ahmad Ramdani Harahap Syamsul Bahri Syamsul Bahri Syamsuri Syamsuri Syofi Aruni Mafaza Tajul Arifin Tesa Mellina Tesa Mellina Tryas Titi Sari Umar Ma’ruf Wahyu Nugroho Wahyu Nugroho Wahyudi Bakri Yoanda Syah Putra Yuni Susanti Pratiwi Yunita Wulandari Yunita Wulandari Yusi Septa Prasetia Zulfi Dian As Salam

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Journal : Al-Iktisab: Journal of Islamic Economic Law