Analisis Perbandingan Pemberian Kredit dan Pembiayaan Murabahah Pada Bank Konvensional dan Bank Syariah ( Studi Kasus Bank BRI Kisaran dan Bank BSI Medan)

, Halimatusadiyah and , Yayuli. S.Ag.,M.PI (2021) Analisis Perbandingan Pemberian Kredit dan Pembiayaan Murabahah Pada Bank Konvensional dan Bank Syariah ( Studi Kasus Bank BRI Kisaran dan Bank BSI Medan). Skripsi thesis, Universitas Muhammadiyah Surakarta.

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Abstract

Financing using a murabahah contract is where the bank as the party that prepares the funds in conducting transactions with customers. Where both do it according to Islamic law and the customer must also return the loaned funds according to the given period. The purpose of this study was to see the analysis of lending and murabahah financing to conventional and Islamic banks. It uses descriptive qualitative research with primary and secondary sources, besides that it also uses the interview method. The research subjects were 5 customers and 1 employee from a conventional bank, 5 customers and 1 employee from a sharia bank. The results of the study show: The provision of credit to conventional banks, Bank BRI and murabahah financing at Bank BSI, technically has similarities and procedures for granting loans or murabahah financing. The form of difference between Bank BRI and Bank BSI Medan, lies in the process in the application to 2 the disbursement process. 1. The differences in these stages are: the stage of applying for credit and murabahah financing, the time period for the process of granting credit and murabahah financing, the value of collateral for granting credit and murabahah financing. 2. The mechanism for payment of credit installments and murabahah financing installments at Bank BRI and Bank BSI Medan Branch has similarities in using the calculation method, namely the flat method, the effective method and the annuity method, in terms of differences in the mechanism of Bank BSI using the Down Payment (DP) system of 30 % of the total principal as cost recovery.

Item Type:	Thesis (Skripsi)
Uncontrolled Keywords:	comparative analysis, lending, murabahah financing, conventional banks, Islamic banks
Subjects:	B Philosophy (General); Religion > BA Islam > BA12 Hukum Ekonomi Islam
Divisions:	Fakultas Agama Islam > Hukum Ekonomi Syariah (HES)
Depositing User:	HALIMATUSADIYAH
Date Deposited:	17 Nov 2021 03:02
Last Modified:	24 Sep 2022 02:57
URI:	http://eprints.ums.ac.id/id/eprint/95818

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