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All Journal Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Ilmiah Mahasiswa Raushan Fikr
Taufikur Rohman
UIN Sunan Kalijaga Yogyakarta
Religion Arts Economics, Econometrics & Finance Social Sciences

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RELEVANSI ANTARA PENOLAKAN RISALAH NABI MUHAMMAD SAW DENGAN PENOLAKAN PERUBAHAN BATASAN USIA PERKAWINAN Nasta'in Nasta'in; Taufikur Rohman
Jurnal Ilmiah Mahasiswa Raushan Fikr Vol 12 No 1 (2023): Jurnal Ilmiah Mahasiswa Raushan Fikr
Publisher : Lembaga Kajian dan Pemberdayaan Mahasiswa UIN Prof. KH. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/jimrf.v12i1.6295

Abstract

This paper analyzes the relevance between rejecting the Prophet Muhammad’s SAW monographic and rejecting the marriage limitation age. It has qualitative research for data, books, and articles. They contain Muhammad saw monographic and revision of the marriage limitation age. This research continues the topic of the relevance between rejecting the Prophet Muhammad SAW monographic and rejecting the marriage limitation age. We can see from the results that there is relevance. Both reject revisions and keep freshness. But both understand the revision. Unbelievers don’t understand that Muhammad’s SAW lesson was a truth for life and hereafter. Meanwhile, other people reject the revisions because they need to learn the effects a lot
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 Taufikur Rohman; Muhammad Wildan Muttaqin
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 Muhammad Wildan Muttaqin Nasta'in Nasta'in