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Online Arbitration in E-Commerce Dispute Resolution During the Pandemic Covid-19 Mohammad Ghozali; Budi Ispriyarso
Jurnal Daulat Hukum Vol 4, No 3 (2021): September
Publisher : Magister of Law, Faculty of Law, Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/jdh.v4i3.16266

Abstract

The Covid-19 pandemic has made online buying and selling activities increasing. E-commerce is full of risks, especially because the consumers have the obligation to make any advance payment while they cannot see the condition or quality of the goods they ordered. With the emergence of business disputes that occur both online and offline, and with the development of increasingly sophisticated technology, it is expected that the settlement of business disputes can be resolved online. The purpose of this study was to analyze the settlement of legal disputes against online buying and selling transactions during the Covid-19 pandemic which was carried out through online arbitration. The research method used was the normative juridical method, which was a method that seeks to analyze dispute resolution carried out through online arbitration which was then linked to the provisions of laws and regulations. The process of conducting online arbitration is by using the internet as media. The room for communication is more like a chat room based on real-time audio-visual streaming. With the application to communicate, the parties can convey their data, facts, information, or responses through this platform. Legal sanctions against online buying and selling transactions that do not match the order are regulated in two general rules (Lex Generalis) and special rules (Lex Specialist).Keywords: E-Commerce; Covid-19, Online Arbitration; Legal Sanctions.
SKRINING THALASSEMIA BETA MINOR PADA SISWA SMA DI JATINANGOR putri alyumnah; Mohammad Ghozali; Nadjwa Zamalek Dalimoenthe
Jurnal Sistem Kesehatan Vol 1, No 3 (2016): Volume 1 Nomor 3 Maret 2016
Publisher : Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (238.88 KB) | DOI: 10.24198/jsk.v1i3.10358

Abstract

Jenis Thalassemia yang paling banyak ditemukan adalah Thalassemia beta. Tercatat 10% penduduk Indonesia merupakan pembawa gen Thalassemia beta. Thalassemia beta minor sulit dideteksi karena bersifat asimtomatik sehingga peranan skrining sebagai deteksi dini sangat diperlukan. Sampai dengan saat ini di Indonesia belum dilakukan program skrining rutin Thalassemia.Tujuan penelitian ini untuk mengetahui frekuensi Thalassemia beta minor pada siswa- siswi SMA di Jatinangor. Metode Penelitan deskriptif kuantitatif, dengan teknik pengambilan data cross sectional telah dilakukan sejak bulan September sampai dengan Oktober 2015. Subyek penelitian terdiri dari siswa-siswi di 5 SMA kelas 10 dan 11 yang terregistrasi di Jatinangor. Hasil Dari seluruh siswa-siswi kelas 10 dan 11 SMA di Jatinangor, hanya ada 292 yang hadir saat penyuluhan, dan hanya 130 orang di antaranya yang bersedia mengikuti penelitian. Pada penelitian ini ditemukan 12 (9,3%) orang sebagai thalassemia beta minor. Pembahasan pada penelitian ini ditemukan 12 (9,3%) orang sebagai thalassemia beta minor. Pada penelitian lain di Banyumas didapatkan 8%.Kata kunci: Skrining,Thalassemia,Thalassemia beta minor
Aplikasi Akad Rahn Pada Pegadaian Syariah Luluk Wahyu Roficoh; Mohammad Ghozali
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 2 (2018)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (621.754 KB) | DOI: 10.30651/jms.v3i2.1736

Abstract

Rahn merupakan salah satu akad yang diberlakukan dalam usaha pegadaian syariah di Indonesia, selain sebagai akad konsep rahn juga merupakan nama produk di Pegadaian Syariah. Pegadaian syariah adalah pegadaian yang dalam menjalankan operasionalnya berpegang teguh kepada prinsip syariah. Gadai syariah dalam hal pemenuhan prinsip-pripsip syariah berpegang pada Fatwa DSN MUI No. 25/DSN-MUI/III/2002 tentang rahn, Fatwa DSN MUI No. 26/DSN-MUI/III/2002 tentang gadai emas, Fatwa DSN MUI No. 68/DSN-MUI/III/2008 tentang Rahn Tasjily, Peraturan Pemerintah Nomor 103 Tahun 2000. Pembentukan Pegadaian Syariah selain karena tuntutan idealisme juga disebabkan oleh keberhasilan terlembaganya bank, BMT, BPR dan asuransi syariah, maka pegadaian mendapat perhatian untuk dibentuk di bawah naungan suatu lembaga tersendiri. Aspek syariah tidak hanya menyentuh bagian operasionalnya saja, pembiayaan kegiatan dan pendanaan bagi nasabah, harus diperoleh dari sumber yang benar-benar terbebas dari unsur riba.  Lembaga Keuangan Syariah di Indonesia menerapkan berbagai macam produk dan akad dalam menjalankan kegiatan usahanya, salah satu produknya adalah akad rahn yang ada di Pegadaian Syariah, adanya kebebasan untuk mendesain bentuk akad akan memberikan keberagaman produk, Namun demikian analisis fiqh dilakukan untuk menghindari hal-hal yang dilarang, mrngingat salah satu kaidah dalam ushul fiqh adalah pada dasarnya semua transaksi diperbolehkan kecuali ada dalil yang jelas melarangnya. Berdasarkan rukun akad rahn secara praktik mulai dari marhun, marhun bih, shighah, dan ‘aqidaini sudah sesuai dengan dengan teori syariah, tetapi masih ada beberapa hal yang harus diperjelas untuk mendapatkan praktik yang benar secara teori syariah. Yaitu tentang pemanfaatan barang gadai yang belum dijelaskan secara rinci tentang pemanfaatan dari pihak rahin maupun dari pihak murtahin.
Studi Empiris Tentang Perkembangan Sistem Ekonomi Syariah Di Timur Tengah Nur Azizah Latifah; Mohammad Ghozali
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 4, No 2 (2019)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (735.49 KB) | DOI: 10.30651/jms.v4i2.2110

Abstract

Perkembangan Ekonomi Syariah di Timur Tengah Sebelum lahirnya era minyak pada awal ke-20, kawasan Teluk utamanya di pesisir pantai selatan, berperan sebagai jalur penghubung ke pasar-pasar India dari Barat dan Somalia dari Timur. Salah satunya Aden, sebuah pelabuhan alamiah Yaman, di mana kapal-kapal dari Ethiopia dan India berlabuh. Jalur timur melalui pesisir pantai semenanjung Arab bagian selatan dan hingga teluk Persia merupakan jalur penguhubung melalui lautan dari Yaman ke Irak dan menerukan melalui darat ke Syam. Di jalur itu, para pedagang melintasi pasar-pasar Yaman, Irak, Palmyra, dan Syiria. Di setiap wilayah mereka menjual komoditas yang tidak ada di sana dan juga membeli komoditas wilayah itu untuk dibawa ke wilayah-wilayah lain. Oleh karena beberapa faktor, untuk sementara waktu, perkembangan ekonomi kawasan ini bisa dibilang stagnan dan luput dari perhatian dunia. Seiring perkembangan ilmu pengetahuan dan teknologi pada awal abad dua puluh, kebutuhan bahan bakar minyak mulai meningkat. Sementara itu, di Eropa sebagai tempat lahirnya alat-alat industri tidak dapat memenuhi kebutuhan akan minyak tersebut. Sehingga pada masa-masa ini, selain tetap berdagang, bangsa Eropa, terutama Inggris mulai mencari sumber minyak bumi yang bisa dieksploitasi untuk kepentingan pemenuhan kebutuhan industri mereka. Sumber minyak bumi-pun ditemukan di kawasan teluk dan hingga saat ini menjadi pemasok terbesar bagi kebutuhan minyak bumi dunia.
Sejarah Perkembangan Hukum Perbankan Syariah Di Indonesia Dan Implikasinya Bagi Praktik Perbankan Nasional A'yun Nadhira; Yunita Wulandari; Mohammad Ghozali
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 4, No 1 (2019)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (604.132 KB) | DOI: 10.30651/jms.v4i1.2564

Abstract

Abstract A law must have a historical until it’s applied in life. The importance of a banking activity that affects the pattern of people's lives, especially Islamic banking which is increasingly in Indonesia. So this article will describe the history of the development of Sharia Banking Law in Indonesia and the implications of its development in the Practice of National Banking. The method used in this case uses a descriptive analysis approach. A qualitative method with library studies in the existing problems. Then, it can be seen that the regulations concerning banking have undergone several amendments which in the end of Law Number 21 Year 2008 has become the basis of applicable law. In its implications, there are also three stages, namely the stages of recognition, recognition and purification. So that as a legal practitioner in Islamic banking, it is necessary to carry out a continuous review to monitor banking activities in accordance with Islamic principles. And to improve knowledge and understanding so that the existing guidelines are not just regulations but are truly implied in accordance with applicable law.Keywords: history; Islamic banking; implications Abstrak Suatu hukum pasti memiliki perjalanan historis hingga diterapkannya dalam kehidupan. Melihat pentingnya suatu akivitas perbankan yang mempengaruhi pola kehidupan masyarakat, khususnya perbankan syariah yang semakin hari semakin bertambah di Indonesia. Maka artikel ini akan memaparkan sejarah perkembangan Hukum Perbankan Syariah di Indonesia dan implikasi perkembangannya dalam Praktik Perbankan Nasional. Metode yang digunakan dalam hal ini menggunakan pendekatan deskriptif analisis. Sebuah metode kualitatif dengan kajian- kajian kepustakaan dalam pemaparan permasalahan yang ada. Dengan ini dapat dilihat bahwa peraturan tentang perbankan mengalami beberapa amandemen yang pada akhirnya UU Nomor 21 Tahun 2008 menjadi dasar dalam hukum yang berlaku. Dalam implikasinya juga mengalami 3 tahapan, yaitu tahapan pengenalan, pengakuan dan pemurnian (Introduction, Recognition, Purification). Sehingga sebagai praktisi hukum dalam perbankan syariah perlu dilakukan penelaahan secara terus menerus untuk mengawasi kegiatan perbankan agar sesuai dengan prinsip Islam. Dan untuk meningkatkan ilmu pengetahuan serta pemahamannya agar pedoman yang ada tidak hanya sekedar peraturan namun benar-benar diimplikasikan sesuai dengan hukum yang berlaku.Kata Kunci: Sejarah; perbankan Syariah; implikasi
MODEL PENERAPAN KONTRAK BISNIS SYARIAH DALAM MANAJEMEN RISIKO BMT UGT SIDOGIRI Mohammad Ghozali; Abdul Hafidz bin Zaid; Badria Nur Lailina Ulfa
Kodifikasia: Jurnal Penelitian Islam 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.] 
Paradigma Ekonomi Syariah Dalam Faham Hegemoni Kapitalisme dan Sosialisme Sebuah Solusi Pola Hidup Muslim Ika Prastyaningsih; Mohammad Ghozali; Andi Triyawan
Islamic Economics Journal Vol 3, No 2 (2017)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (391.014 KB) | DOI: 10.21111/iej.v3i2.2718

Abstract

Western countries with the economic system of capitalism have hegemonize all aspects of the economy of society, so that they dominate all countries in the world including Islam. The hegemony according to five things, that are:Defence, economic, socio-cultural, political, religion. The actualization and contextualization of the Islamic economic system is a form of criticism, and it will becomes a solution to the theory and economic system built on unhumanity (not egalitarian), especially capitalism and socialism. So that A Moslem must take Islam as a living system that regulates all sides of human life, which promises the welfare and falah.Because human life does not stop only in the world and it will be held accountable later in the world. The concept of Islamic Economics is not a collection of the good that exists in the capitalist and socialist economic system. But more than that though it looks the same but the value built on the Qur’an and Sunnah. The Kindness that exists in Islamic Economics has the greatness of value based on the revelation of Allah and Sirah Nabawiyah. The system of Islamic Economy can be accepted by all people in the world. Because it contains maslahah value for all creatures that exist on earth. The concept of justice built by Islam not only exist on the physical aspects but also the metaphysical. As well as welfare, not only in the realm of the body but also the Spiritual.
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

Abstract

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

Abstract

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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1838.718 KB) | DOI: 10.21111/al-iktisab.v4i1.4352

Abstract

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.
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