SISTEM PEMBIAYAAN KEPEMILIKAN RUMAH PADA BANK KONVENSIONAL DAN SYARIAH(Studi Komparasi pada BNI KCP Kolaka dan BNI Syariah KCP Mikro Kolaka)

Abstrak

The home ownership financing system used by Bank BNI Syariah KCP Mikro Kolaka and BNI  KCP Kolaka is generally the same financing system, because it has its own value  from the community.  And from each side, the Bank has several approaches to customers where the Islamic Bank approach is religious because it is a banking financial institution whose operations and products are developed based  on the Qur'an and hadith.

The formulation of the problem in this research is how is the Home Ownership Financing System at BNI KCP Kolaka and BNI Syariah KCP Mikro Kolaka?, What is the difference between the Home Ownership Financing System at BNI KCP Kolaka and BNI Syariah KCP Mikro Kolaka? and What are the implications of different Financing Systems for customers? The purpose of the study was to determine  the Home Ownership Financing System at BNI KCP Kolaka and BNI Syariah KCP Mikro Kolaka, to find out the differences in the Home Ownership Financing System at BNI KCP Kolaka and BNI Syariah KCP Mikro Kolaka and to find out the implications of the differences in the Financing System for customers.

The research method used is descriptive research with a qualitative approach with the subject of the Home Ownership Financing System in Conventional and Islamic Banks. Then the research procedures carried out include intensive observations (observations, documentation, and interviews) about the Home Ownership  Financing  System  in  Conventional  and  Islamic  Banks.  The  research  instruments  are  in  the form  of  observation  sheets  or  notebooks,  interview  guides,  voice  recorders,  documentation  sheets, photographs and required documents. The  results  showed  that  the  Home  Ownership  Financing  System  in  Conventional  and  Islamic

Banks. It has several differences, namely in terms of contracts, installment calculations and the interest system  because  conventional  banks  use  an  interest  system  while  Islamic  banks  only  use  a  buying  and selling system (murabahah).