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All Journal Religio : Jurnal Studi Agama-agama Tafaqquh: Jurnal Penelitian Dan Kajian Keislaman Al Mi’yar: Jurnal Ilmiah Pembelajaran Bahasa Arab dan Kebahasaaraban Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Manarul Qur'an: Jurnal Ilmiah Studi Islam ALSUNIYAT: Jurnal Penelitian Bahasa, Sastra, dan Budaya Arab Andragogi : Jurnal Ilmiah Pendidikan Agama Islam Intelegensia : Jurnal Pendidikan Islam Tafkir: Interdisciplinary Journal of Islamic Education Journal of Instructional and Development Researches PROFETIK: Jurnal Mahasiswa Pendidikan Agama Islam Jurnal Terapan Ekonomi dan Bisnis (JTEB) Lucerna : Jurnal Riset Pendidikan dan Pembelajaran Al-Mau'izhoh: Jurnal Pendidikan Agama Islam NGARSA: Journal of Dedication Based on Local Wisdom Journal of Social Work and Science Education E-Amal: Jurnal Pengabdian Kepada Masyarakat AZKIYA
Taufikur Rohman
Institute Dirosat Islamiyah al-Amien Prenduan Sumenep, Madura
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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COMPARISON OF REAL COSTS OF MORTGAGE FINANCING: A COMPARATIVE STUDY OF FIXED MARGINS OF BANK SYARIAH INDONESIA (BSI) WITH FLOATING INTEREST RATES OF CONVENTIONAL BANKS Rohman, Taufikur; Muttaqin, Muhammad Wildan
JURNAL PROFIT Vol 10, No 1 (2026): Economic And Investment
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v10i1.14041

Abstract

The development of Islamic banking in Indonesia has accelerated following the merger of Bank Syariah Indonesia (BSI), but remains fraught with debate over the high financing margins compared to conventional bank interest rates. This study aims to analyze and compare the real costs of financing Home Ownership Loans (KPR) between BSI and conventional banks using the pure annuity method, assuming extreme margin levels and non-promotional interest rates for a 10-year term. The research approach used is an exploratory case study with qualitative methods, supported by secondary data from official banking reports and financing calculation simulations. The results show that conventional mortgages tend to result in lower total costs under stable interest rates, but this advantage is conditional due to the risk of floating interest rates. In contrast, Islamic financing at BSI offers installment certainty and protection from repricing risk through fixed margins. These findings confirm that differences in financing costs reflect differences in risk structures and pricing mechanisms, not simply the cost of financing products.
Co-Authors Achmad Ruslan Afendi ahmad arifin Akhbar, M Taheri Alfaqih, M Habil Alfiana, Delfi Masrurotul Asnawan Asnawan, Asnawan Avisya, Ratih Farhani Azizah, Siti Aliyatul Efendi, Muhammad Deni Ersyada, Azza Ibraisama Fitriyani, Maulida Halimah, Zahratun Ilzam, Ahmadur Iskandar Iskandar Islamiyah, Aqidatul Khojir Mahyuddin Barni, Mahyuddin Maryam Maryam Muadin, Akhmad Mukhamad Ilyasin Muttaqin, Muhammad Wildan Nabela, Asa Hafsa Nabila, Kamelia Nida, Laily Riadi, Akhmad Sa'diyah, Halimatus Soe’oed, Rahmad Sulfiatin, Sulfiatin Suratman Suratman Umi Hanifah Yusuf, Budi