ANALISIS SISTEM PEMBIAYAAN KPR BANK KONVENSIONAL DAN PEMBIAYAAN KPRS BANK SYARIAH (STUDI KASUS BANK BTN DENGAN BANK MUAMALAT)

Abstract

This paper tries to compare financing system of housing credit amongs to
common bank and sharia bank. The purpose of this comparation is to know the
differences of financing system of housing credit by Bank Tabungan Negara (BTN) and
Bank Muamalat which used to be sample. Common people only know if common bank
used interest as rates in return and sharia bank did not use it. The factors will be
compared are conditions apply, proccess of housing credit applied, akad or initial
requirements, calculation of installments, and treatment of customers who late in
paying or paying before the time.
Keywords: akad; common bank; financing system; housing credit;interest;sharia..