Article Per Year (5 Year)
p-Index From 2020 - 2025
0
P-Index
This Author published in this journals
All Journal Jurnal Manajemen Maranatha
Yenny Fyfy Susanty
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Analisis Komparatif Penerapan Suku Bunga KPR Bank di Batam Johny Budiman; Yenny Fyfy Susanty
Jurnal Manajemen Maranatha Vol 14 No 1 (2014)
Publisher : Universitas Kristen Maranatha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28932/jmm.v14i1.75

Abstract

Abstract: This study analyzes each of the interest calculation method which used on bank loans, consist of flat, effective (sliding), and annuitiesmethod, as well as murabahah in Islamic bank, along with the comparison in cases. The results found that with the same interest rate, the amount of interest charged on a flat method is the most expensive, followed by annuities then effective method with the ratio 1,79:1:1,097 (flat, effective, and annuities). As for the comparison with murabahah is in term of the risk of the interest rate fluctuations. The level of profit margins (calledinterest on conventional banks) on murabahah is fixed until the end of the credit period, while interest on conventional bank loans tend to be floating (changes according to the BI rate). In the condition of stable BI rate, the results showed thatthe ratio of commercial bank interest and Islamic banks margins are 1 : 1,38, which is margin in Islamic banks is higher.Keywords: interest rate methods, annuity, flat rate, effective rate, bank loan, KPR, banking, Islamic bank, murabahah
Co-Authors Johny Budiman