Analisis Perbandingan Antara Sistem Bunga Pada Bank Konvensional Dengan Sistem Bagi Hasil Pada Bank Syariah

Ardetria, Janeda (2015) Analisis Perbandingan Antara Sistem Bunga Pada Bank Konvensional Dengan Sistem Bagi Hasil Pada Bank Syariah. Skripsi thesis, Universitas Tanjungpura.

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Abstract

The development of the banking world and the controversy amongmembers of the community regarding the interest bearing system which wasconsidered usury, a regulation allowing banking operations based on Islamicprinciples that did not apply interest but used a profit-sharing system instead wasissued. The comparison between the interest bearing system at the conventionalbank and profit-sharing system at Islamic bank is that the conventional bankdetermines the interest at a certain rate and has set it from the beginning, while inthe Islamic Bank the ratio of profit sharing depends on the financing provided bythe company, if the income on financing provided by the company increases, thenthe ratio also increases, and vice versa so that the amount is not always the samefor different periods of time. In addition to the different system ofcalculation, theinterest rate and profit-sharing especially the deposit products is also different.Bank Mandiri as a conventional bank calculated the interest system using simpleinterest method, while the Bank Syariah Mandiri as an Islamic Bank calculatedprofit sharing using a percentage ratio called nisbah.Seen from the aspect of partnership and unity aswell as Islamic values(sharia), the Islamic bank provides more realistic options compared toconventional bank. Whereas for those who expect areturn that is certain for eachperiod can use Conventional Bank, because the interest rate of the ConventionalBank is not affected by the revenues of the company.

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