Krisna B. P, Raka Prayuda (2018) Analisis Perbandingan Sistem Pemberian Kredit Pada Bank Konvensional & Pembiayaan Pada Bank Syariah (Studi Pada Bank Bni Graha Pangeran Surabaya Dan Bank Bni Syariah Kantor Cabang Pembantu Kota Mojokerto). Undergraduate thesis, Untag 1945 Surabaya.
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Abstract
Penelitian ini bertujuan untuk mengetahui perbandingan pemberian kredit konvensional dan pembiayaan murabahah pada PT. Bank BNI (Persero) Graha Pangeran Surabaya dan PT BNI Syariah Kantor Cabang Pembantu Kota Mojokerto. Metode analisis data yang digunakan adalah Metode Deskriptif. Adapun sumber data dalam penelitian ini adalah marketing, account officer, dan kepala cabang. Selanjutnya, pengumpulan data yang digunakan adalah wawancara, observasi dan studi kepustakaan. Teknik pengolahan dan analisis data dilakukan dengan melalui tiga tahapan, yakni : reduksi data, penyajian data, dan penarikan kesimpulan / verifikasi. Hasil penelitian ini menunjukkan bahwa analisis prosedur pemberian kredit konvensional dan pembiayaan murabahah pada PT. Bank BNI (Persero) Graha Pangeran Surabaya dan PT BNI Syariah Kantor Cabang Pembantu Kota Mojokerto, menunjukkan terdapat adanya perbedaan dalam prosedur pemberian kredit antara kredit konvensional dan pembiayaan murabahah. Dalam akad murabahah BNI Syariah terdapat adanya kewajiban proses Ijab Qabul yang mana tidak terdapat pada Bank BNI Konvensional. Selama perjanjian kredit Bank BNI berlangsung, bunga dapat berubah secara sepihak (naik turun), dan selama akad murabahah Bank BNI Syariah berlangsung, margin tidak dapat berubah dikarenakan sudah adanya kesepakatan dalam akad murabahah.
| Item Type: | Thesis (Undergraduate) |
|---|---|
| Uncontrolled Keywords: | Kredit, Pembiayaan Murabahah |
| Subjects: | H Social Sciences > HB Economic Theory |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Ekonomi Akuntansi |
| Depositing User: | Didik Ahmad |
| Date Deposited: | 02 Dec 2021 06:22 |
| Last Modified: | 02 Dec 2021 06:22 |
| URI: | http://repository.untag-sby.ac.id/id/eprint/12762 |
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