Studi Komparatif Sistem Bagi Hasil Pembiayaan Mudharabah dan Sistem Bunga Kredit Pinjaman

Abstract

The development of Islamic banking in indonesia is getting better, a lot of banks that finally
opened a subsidiary engaged in the field of sharia or islamic business units. This is because the
opening of the eyes of society Indonesia will practice usury in haram banks and conventional
banking practices that want to locate in the halal In religion views. With this research, it,s expected
tobe made public is more aware of such differences, particlarly regarding concepts for results and
interest.The Research method is qualitative data analysis methods. This analysis aims to find out
whether the system applied by the object of research in accordance with theories that have been
studied. Awarding of costs of the customer either in financing or in financing credit mudharabah
by Bank Syariah X and Bank X not off of the various procedures that have been recorded on the
company’s manual and various kinds of analysis. With meet procedure credit financing
determined, the credit financing can work smoothly and can be done in management too. In
funding there are elements that is essential for survival bank. In mudharabah financing, the
elements is a benefit sharing (for a results) that is, process benefit-sharing among owner funds and
fund management according calneh the agreed. To financing credit, the element called interest,
namely additional worn into transactions lending money. There are diffrences in the system for the
results and system interest,of them calneh agreement beginning, profit banks and customer and
others.