Analisis Perbandingan Sistem Pembiayaan KPR Bank Konvensional dan KPR Bank Syariah (Studi Kasus Bank Negara Indonesia Dan Bank Syariah Mandiri)

This study aims to determine the comparison of conventional banking home ownership credit (KPR) financing systems with Islamic banking. This type OF research is a qualitative descriptive method that is used to describe in detail the state of the research object, explain and record the research data objectively. The object examined from this study is a comparison of conventional banking mortgage financing systems with Islamic banking at PT Bank Negara Indonesia and PT Bank Syariah Mandiri. The results showed that there were similarities and differences in the financing system implemented by BNI and BSM. The equation lies in the terms and procedures for applying for credit. The difference is the calculation of mortgage installments, in BNI installments are flat (fixed) at the beginning of the installment after that turns into a floating interest rate, while in BSM installments are flat (fixed) from the beginning of installments until the installments expire, the treatment of customers repaying mortgage loans before maturity, and treatment of customers who are late in paying installments. For customers who are late in paying installments, BNI provides a fine of 2.5% of the total installments, while in Islamic banks will be fined 0.00069% of the total installments, these fines will be donated to LAZNAZ, not for bank profits