International Journal of Educational Review, Law And Social Sciences (IJERLAS)
Vol. 2 No. 1 (2022): January

ANALYSIS OF THE EFFECT OF ISLAMIC BANK INCOME AND INCOME CONVENTIONAL BANKS AGAINST BANK PROFITABILITY

Muhammad Erwin SP (Institut Agama Islam EHMRI)
Saparuddin Siregar (Universitas Islam Negeri Sumatera Utara)
Sugianto Sugianto (Universitas Islam Negeri Sumatera Utara, Medan)

Article Info

Publish Date
12 Jan 2022

Abstract

Bank Syariah Indonesia has sharia contracts that can make it easier for customers to get consumptive financing such as financing in the purchase of cars/motorcycles, but many people do not know that Islamic banks have such consumptive financing products. Based on the results of research on the mechanism and application of consumptive financing on the Oto iB Hasanah BNI Syariah Banda Aceh product, this can be done in three stages, namely: First, the customer applies for consumptive financing for the Oto iB Hasanah BNI Syariah Banda Aceh product by completing the file, second, checking data or verifying data for completeness and the truth of the file, thirdly, a field survey with the 5C principle (Character, Capacity, Capital, Condition and Collateral). murabahah namely an agreement on profit, payment method, sale and purchase agreement and delivery of goods.

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Journal Info
International Journal of Educational Review, Law And Social Sciences (IJERLAS)
Website

Abbrev

IJERLAS

Publisher

CV. RADJA PUBLIKA

Subject

Religion Humanities Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

Description

This journal accepts articles on results of the research in fields of Education, Cross Culture, Law, Environmental Empowerment which are the latest issues from the results of activities or practical implementations that are problem solving, comprehensive, meaningful, latest and sustainable findings ...