<![CDATA[This research was conducted to answer academic questions, that is to compare how the profit-sharing system that is applied in syariâah banking and the interest system applied in conventional banking, the theory of what is used in making a profit, and the advantages and disadvantages of each system. The research is descriptive analytical with juridical normative approach. The result that is gained are most of the activities of the (bank Muamalat Indonesia)BMI distribution of funds have similar pattern with conventional banking. The difference lies in the determination of the interest in Bank Niaga (conventional banking) in percentage (%), while in BMI using the expected profits (expected of profit) in a nominal amount of money. In addition, the loan agreements with Bank Muamalat when compared to the credit agreement with Bank Niaga, reflecting the differences of a substantial nature, which is the legal construction, legal elements, and clauses in the loan contract agreement.Penelitian ini bertujuan untuk menjawab pertanyaan akademis, yaitu bagaimana sistem bagi hasil yang diterapkan pada bank syariâah dan sistem bunga yang diterapkan di bank konvensional, teori apa yang dipakai dalam mengambil keuntungan, serta apa saja keunggulan serta kelemahan masing-masing. Penelitian ini termasuk penelitian yuridis normative yang bersifat deskriptif. Hasil penelitian ini menyimpulkan bahwa sebagian besar kegiatan Bank Muamalat Indonesia (BMI) dari sisi penyaluran dana, polanya hampir sama dengan bank konvensional. Perbedaannya terletak pada penetapan bunga di Bank Niaga (konvensional) dalam prosentase (%) dan pada BMI menggunakan perkiraan keuntungan (expected of profit) dalam jumlah nominal uang. Di samping itu perjanjian-perjanjian kredit di BMI jika dibandingkan dengan perjanjian kredit di Bank Niaga, terlihat adanya perbedaan-perbedaan yang sifatnya substansial, yaitu: pertama, konstruksi hukum kedua, unsur hukum ketiga, klausula-klausula dalam akad kredit perjanjian.]]>
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