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

Abstract

Inthisstudydiscusses thedifferencesbetweenthe provision
ofmortgagesonconventionalbankfinancingof home ownershipinIslamic banks. The
resultsofthis studyindicate adifference inthe systems used inconventionalbankstoIslamic
banks. The most fundamental differenceis thesystem of
interestareusedinconventionalbankingandlosssharingprincipleinIslamic banking. With
thesystem of interestrateissetto changeat any timein accordancewithbankpolicies, whereas if
youuse theprinciple ofprofit sharingandlossmargincan not bechangedbecause itis in
conformitywith themurabahacontract.
Keywords:mortgageloans, conventionalbank,Islamic banks.