ANALISIS SISTEM BAGI HASIL DAN BUNGA PERBANKAN DALAM RANGKA MENGHADAPI INTEGRASI EKONOMI

Hariadi, Sugeng (2015) ANALISIS SISTEM BAGI HASIL DAN BUNGA PERBANKAN DALAM RANGKA MENGHADAPI INTEGRASI EKONOMI. In: Prosiding Seminar Nasional & Call For Paper, Forum Manajemen Indonesia (FMI) Ke-7 Dinamika Dan Peran Ilmu Manajemen Untuk Menghadapi AEC. Forum Manajemen Indoesia, Jakarta. ISBN 978-602-73177-0-3

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Abstract

ASEAN Economic Community by the end of 2015 will encourage new players financial services (including sharia) into Indonesia. 'Local players' should have the right strategy to be able to survive and win the competition. This study is an analysis of the difference between profit / loss sharing and interest rates. The result will be one of the major considerations of a person when making a choice on financial services. It would be very beneficial for the 'stakeholders' of Islamic banking. The study used a t test on the data equivalent to the rate of return / profit sharing on deposits and financing in Islamic banks against interest on deposits and loans in the conventional bank. The study found evidence that its customers on demand and time deposits in Islamic banks earn lower returns than if saving money in a conventional bank. For savings deposits, Islamic banks customers receive reward / higher profit sharing. Also, the results of current and savings accounts in Islamic banks do indeed differ significantly with interest demand deposits and savings in conventional banks. Meanwhile, profit sharing and interest on savings deposits in Islamic banks and conventional are essentially equal. Found also a result that financing in Islamic banks was higher (expensive) than conventional bank loans except for consumer credit. Another main finding is that the Islamic bank financing is significantly different from a conventional bank loan. In this case, the financing in Islamic banks are much more expensive compared to conventional bank credit.

Item Type:	Book Section
Uncontrolled Keywords:	AEC, profit sharing, interest.
Subjects:	H Social Sciences > HB Economic Theory
Divisions:	Faculty of Business and Economic > Department of Economic
Depositing User:	Eko Setiawan 194014
Date Deposited:	18 Feb 2016 05:25
Last Modified:	21 Dec 2017 09:22
URI:	http://repository.ubaya.ac.id/id/eprint/26749

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