<![CDATA[This study aims to thoroughly examine the analysis of debt purchase transactions (take over) at Indonesian Islamic banks (a case study of Islamic banks at the Adam Malik Medan branch office). This study uses a qualitative approach with the method of library research (library research). The main analysis the researcher did was on the pattern of Debt Transfer transactions, then the researcher linked it to various literature that discussed each contract and the impacts that arose afterward. The results of this study note that the implementation of Take Over uses Qardh and murabahah contracts in its implementation at Bank BSI KC Adam Malik Medan. The debt financing contract (take over) implemented by Bank BSI KC Adam Malik Medan is appropriate and refers to the DSN-MUI fatwa No: 31/DSN-MUI/VI/2002 concerning debts. Furthermore, there are several factors behind customers taking over from conventional banks to Bank Syariah Indonesia KCP Adam Malik, including: customers wanting to be sharia in transactions, installment payments with a fixed system, differences in margins from existing conventional Islamic banks. Keywords : Debt Transfer (Take Over), Mechanism of Take Over. Factors Occurrence of Take Over]]>
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