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All Journal IDENTITAET Jurnal Ibriez : Jurnal Kependidikan Dasar Islam Berbasis Sains International Journal of Global Operations Research Absorbent Mind JoEMS : Journal of Education and Management Studies Jurnal Ilmu Manajemen dan Pendidikan Prima Wiyata Health TAJDID: Jurnal Ilmu Ushuluddin Jurnal Ilmiah Acton Educational Studies: Conference Series ABDIANDAYA : Jurnal Pengabdian dan Pemberdayaan Masyarakat International Journal of Mathematics, Statistics, and Computing
HASANAH, FARIDATUL
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Journal : International Journal of Mathematics, Statistics, and Computing

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Table Installments Finance Sharia of Motor Vehicle Using Proportional, Annuity, and Effective Rate Method Cahyandari, Rini; Hasanah, Faridatul
International Journal of Mathematics, Statistics, and Computing Vol. 1 No. 4 (2023): International Journal of Mathematics, Statistics, and Computing
Publisher : Communication In Research And Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijmsc.v1i4.40

Abstract

One of the products offered by sharia banks is financing. In this financing, Islamic banks usually take profits in the form of margin or it can also be done by profit sharing. The base profit rate model was introduced to determine margins in Islamic bank financing. The margin generated using the base profit rate model is only in the form of a percentage. Therefore, follow-up was carried out by forming a sharia financing installment table to make it easier to see profits in nominal form. The methods used in making this installment table are the proportional method, annuity method and effective rate method. From research conducted in the case of sharia motor vehicle financing with a term of 1 year, a margin of 66.61785% was obtained and the profit based on the calculation results of the proportional method, annuity method and effective rate method was respectively IDR. 9,992,677.20,- , Rp. 5,945,097.50,-, and Rp. 5,412,700.31. So it can be concluded that the effective rate method takes the smallest profits, then followed by the annuity method and finally the proportional method which takes profits that tend to be larger.
Co-Authors A.A. Ketut Agung Cahyawan W Alsounusi, Salih Abdulrahman Chotimah, Qusnul Fahrur Rozi Farida Hanum Fatmawati, Nisa Fitriyah, Nina Sa'idah Kamalludin Kamalludin, Chodidjah Kholid Fauzi, Ahmad khusnul khotimah Lani, Dea Nisa Rahma Lutfiana, Nisa LUTHFATUN NISA Masruhim, Muh. Amir Maula, Rachma Midiaty, Midiaty Noura, Noura Nurul Inayati, Isna Ramadani , Reni Rifqatul Husna Rini Cahyandari Saputra, Teggar Wardhana, Evi Widi, Herlia Widyatmike Gede Mulawarman Wiyanta, Ulin Ahmad