This paper aims to analyze and provide an understanding of the application of gharar and maysir in financial institutions. Islamic financial institutions must avoid the components of gharar and maysir in the implementation of financing and funding. Gharar is often associated with a risk or danger faced in a transaction or investment activity; we can see the component of gharar in two parts, namely gharar fahisy and gharar yasir. Maysir is often met with conditions of speculation when investing both in the capital market and money market, causing one party to feel disadvantaged. Therefore both gharar and maysir components must be avoided in the Islamic financial institutions. Source: https://ejournal.cyberdakwah.com/index.php/Islam-Universalia/article/view/107

Abstract: This article aims to find out the history of the development of science from time to time recorded by existing historical literature and mentions some of the figures behind the discovery of scientific theories and their development. The phases of the development of science are called periodization in the history of the development of science starting from ancient times, middle ages, modern times and contemporary times. While the phases of the development of science in the Islamic world began from the time of the Prophet, Khulafau ArRashidin, the Umayyads, Daula Abbasids and the revival of Islam until now. When science in the European world suffered a setback but on the contrary what happened in the Islamic world of science developed rapidly until the peak of glory. Source: https://ejournal.cyberdakwah.com/index.php/Islam-Universalia/issue/view/4

This research is a study of the thought of Al-Ghazali about Islamic education leadership criteria. The purpose of this study was to analyze the concept of Islamic education leadership criteria. This research applied library research. The results of this study are Al-Ghazali argued that the appointment of a leader is a syar'i obligation, not an aqli obligation. He emphasized the essence of Islam that Islam is a shari'a in the world and the hereafter. In addition, Al-Ghazali also argued that power was sacred because the people were obliged to follow all his orders. Power, according to Al-Ghazali, is mastering the hearts of the people. So that they can obey and respect all the rules that have been set. Source: https://ejournal.cyberdakwah.com/index.php/Islam-Universalia/article/view/106

Terrorism in Islam is a legacy of the khawarij ideology that disbelieved and fought with Ali bi Abi Talib RA and the Muslims at that time. Khawarij's ideology then became a terrorism movement in various countries including Indonesia. In 2014, ISIS declared in Syria brought the concept of khawarij with the thought of ghuluw fii takfir which disbelieved anyone who did not support and join the struggle of ISIS. The social impact of ISIS in Indonesia on divorce and marriage caused by ISIS women has the idea of ghuluw fii takfir then disbelieves and divorces her husband who does not join ISIS and then remarries ISIS supporters. Marriage conducted by ISIS women is deformed by Shari'a because it does not involve a marriage guardian. Marriage in Islam is a sacred and holy matter. Islam regulates the rules of marriage so that the function of Maqosid Asy Sharia, namely the maintenance of offspring can be maintained, while for cases of marriage and divorce involving ISIS, there are many things that Islamic rules violate the provisions of the Shari'a. The research method was taken by studying literature and then interviewing various sources. ISIS marriages and divorce studies become studies related to Sharia irregularities in divorce and marriage issues for ISIS women in Indonesia Source: https://ejournal.cyberdakwah.com/index.php/Islam-Universalia/article/view/125

The integration of mathematical concepts with Islamic values is very important to be applied as one way of character formation of the nation. KH Fahmi Basya began his research on the Qur'an since 1972 and summarized his research findings under the sub-field of Islamic mathematics in 1982. Through his discovery, the field of Islamic mathematics was one of the subjects of Universitas Islam Negeri Syarif Hidayatullah Jakarta in 2002 until this day. This study is a qualitative study that applies the content analysis design. Survey data through primary source of result of authorship of KH. Fahmi Basya, the book ‘Matematikaa Islam 1, Matematikaa Islam 2 dan Matematikaa Islam 3'. In addition, the data was also obtained by interviewing three key informants namely KH. Fahmi Basya, her manager and one field expert. The data was analyzed using a document analysis approach to the study material either primary or secondary. The results showed KH. Fahmi Basya’s thought in the field of Islamic mathematics among others with the creation of works in the form of scientific writing. His writings were full of ideas and thoughts among them in answering the phenomenon of numbers in Islam. In addition, in the form of humanitarian issues in the form of increased faith and confidence by learning Islamic mathematics. KH Fahmi Basya has a strong educational background in the field of mathematics, and added his love to the Qur'an. For that reason he is very concerned and creative to conduct research on the miracles of al-Qur'an through a mathematical approach. It could be concluded that Islamic Mathematics according to KH. Fahmi Basya’s thoughts are based on al-Qur’an and alSunnah Source: https://ejournal.cyberdakwah.com/index.php/Islam-Universalia/article/view/102

Islamic financial institutions instruments are required to synergize and provide new patterns and ideas in reconstructing previous ideas with the current context so that Islamic financial instruments can be applied by the current generation. This study uses qualitative research methods. The purpose of this study is to identify the implementation of the sharia funding agreement on gala. The research approach used in this study is a phenomenological approach. The type of data used is primary data. Data collection techniques use interviews and observation. The practice of traditional gala found in the lives of southwest Acehnese people was built from generation to generation from the 16th century to the present, approaching the pattern of contract existing in the Islamic economic system where one of them is a mudharabah contract. This contract is expected to be an alternative solution for islamic financial institutions in the future for productive financing which is based on the business practices of the Southwest Aceh community that are local wisdom. Source: https://ejournal.cyberdakwah.com/index.php/Islam-Universalia/article/view/113

Language acquisition is a measurement of children to bring their mother language. It is achieved from both spontan and learning when the children in development phase. The language where the children live is called mother language which is obtained by practice it gradually. The process of acquiring language is a storyline that always passed by a newborn child so that they can understand the meaning of words and sentences and also they understand how to use them in communication. Mastering the language of a child process of the first language acquisition often called mother tongue. It is a language where when firs of all children know how the language used in the neighborhood is not the language of the mother. Shortly, Acquisition is a process of language understanding by the child both nature and nurture when they first learn the first language. Both contribute to the acquisition and development of the child’s language and both are interconnected. The conscious process in the acquisition of language and language use are all described in the interdisciplinary science of psycholinguistics Source: https://ejournal.cyberdakwah.com/index.php/Islam-Universalia/article/view/131

Abstract: The objective of this conceptual paper is to describe the resilience of Islamic banks during the 2008 and 2009 global financial meltdown. The growth of complex financial instruments which was aimed at spreading risk actually increased instability due to market fluctuations and speculative activities resulted to the Global Financial Crisis (GFC). Inadequate liquidity is the immediate cause of financial meltdown. The paper reviews the causes of liquidity risk in Islamic banks which is based on Shariah (Islamic Law) that prohibits charging of interest in business transactions. The study highlights the challenges of Islamic banks on liquidity in spite of its resilience during the crisis. Major causes of liquidity risk in Islamic banks were also discussed. The paper concludes with managerial and policy implications and the need to address the problem of managing liquidity risk in Islamic banks against possible future financial crisis Source: https://ejournal.cyberdakwah.com/index.php/Islam-Universalia/issue/view/4

Abstract Employees are important assets of the organization, so many things that need to be considered related to improving performance. An employee's performance will be in accordance with the wishes of the company if the quality of human resources is good. Good performance can also be supported by the presence of occupational safety and health guarantees from the company. The Implementation of the Occupational Safety and Health (OSH) system also influences employee performance. This study aims to determine the effect of Occupational Safety and Health (OSH) on the performance of midwives at the XYZ Islamic Hospital Fetomatenal Installation Riau Province, Indonesia. The results of analyze of primary data using SPSS Version 23, it can be concluded that the work safety variable has a significant effect on performance, knowing that occupational health variables have a significant effect on performance. In addition, it can be concluded that occupational safety and health variables together have a significant influence on performance variables. Source: https://ejournal.cyberdakwah.com/index.php/Islam-Universalia/article/view/146 Islam Universalia: International Journal of Islamic Studies and Social Sciences. Publish your articles with us. Email: editorislamuniversalia@gmail.com | Web: https://ejournal.cyberdakwah.com