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Conventional Home Loan and Islamic Home Financing in Comparative Perspective
Shirkah Journal of Economics and Business
View Archive Info| Field | Value | |
| Title |
Conventional Home Loan and Islamic Home Financing in Comparative Perspective
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| Creator |
Umardani, Dwi
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| Subject |
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| Description |
This article aims to comparatively discuss conventional home loan (Kredit Perumahan Rakyat/KPR) and Islamic home financing (Pembiayaan Pemilikan Rumah Syariat/PPRS), locating in Bank Central Asia (BCA) and Bank Syariah Mandiri (BSM). Qualitative narrative of formal procedural system of owning home of the mortgages critically analyzed aiming to get clear-cut the differences both loans. This paper confirms that BCA uses the interest system in providing mortgage (KPR) and does not concern on the use of the funds. BSM generally has implemented murabaha scheme (deferred payment sale). For the late paying installments, both banks have applied quite different procedure systems.Keywords: mortgages, home loan, KPR, PPRS
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| Publisher |
Faculty of Islamic Economics and Business, Institut Agama Islam Negeri (IAIN) Surakarta
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| Contributor |
—
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| Date |
2019-01-10
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| Type |
info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion Peer-reviewed Article |
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| Format |
application/pdf
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| Identifier |
http://shirkah.or.id/new-ojs/index.php/home/article/view/201
10.22515/shirkah.v3i1.201 |
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| Source |
Shirkah: Journal of Economics and Business; Vol 3, No 1 (2018)
2503-4243 2503-4235 |
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| Language |
eng
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| Relation |
http://shirkah.or.id/new-ojs/index.php/home/article/view/201/42
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| Rights |
Copyright (c) 2019 Shirkah: Journal of Economics and Business
http://creativecommons.org/licenses/by-nc/4.0 |
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