PERBANDINGAN KREDIT PEMILIKAN RUMAH PADA BANK KONVENSIONAL DENGAN PEMBIAYAAN KEPEMILIKAN RUMAH PADA BANK SYARIAH

PUSPITA SARI, PUTRI Puspita

Jurnal Akuntansi AKUNESA
Vol 1, No 2 (2013): AKUNESA (Januari 2013)

Inthisstudydiscusses thedifferencesbetweenthe provisionofmortgagesonconventionalbankfinancingof home ownershipinIslamic banks. Theresultsofthis studyindicate adifference inthe systems used inconventionalbankstoIslamicbanks. The most fundamental differenceis thesystem ofinterestareusedinconventionalbankingandlosssharingprincipleinIslamic banking. Withthesystem of interestrateissetto changeat any timein accordancewithbankpolicies, whereas ifyouuse theprinciple ofprofit sharingandlossmargincan not bechangedbecause itis inconformitywith themurabahacontract.Keywords:mortgageloans, conventionalbank,Islamic banks.