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HANDONO, PONCO BAYU (2010) ANALISIS PERBANDINGAN PEMBIAYAAN MUSYARAKAH DENGAN KREDIT INVESTASI (Studi Kasus Pada Bank Muamalat Indonesia Cabang Malang). Other thesis, University of Muhammadiyah Malang.


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This research was a case study in Indonesia Mumalat Bank branch in Jalan Kawi Malang Top with the title: "COMPARATIVE ANALYSIS OF MUSYARAKAH FINANCING AND CREDIT INVESTMENT." The purposes of this study were to determine the application of financing at the Malang branch of Bank Muamalat Indonesia and to compare the investment credit. Data collection techniques and documentation of the interview were used. Interviews are collecting data by question and answer directly to the leaders or the parties concerned, the documentation is the collection of data by records or obtained directly in the form of copies of documents related to the object being studied. The analysis tools to conduct the research was using the ratio / share where this ratio has been determined by an agreement between the bank and the previous customers. Sharia bank financing applied to industrial companies according to ratio calculations based on sales every month since given the risk faced by industrial companies were large when using the basic profit while the investment in the credit system, the analysis of the data used the system application fee plus the monthly installment. From the analysis of these two different systems mentioned above, the research results obtained were the ratio /share and interest in its application had the advantages and disadvantages of each proficiency level in these systems, between each system might be applied in some communities who need them. Based on the conclusions above, the writer may conclude that the financing was the difference between investing and financing investment loan amounting to Rp 770,195, - per month which was more advantageous than investment loans investment financing. Investment calculation was quite complicated and the calculation results were more profitable than the installment loan, but risky investments were relatively small when compared with conventional investment credit. Taken from different angle, financing was for investment, realization of small market revenue "X" fluctuated each month, while the investment loan had a fixed rate of USD 13,181,019, - Although the implementation still had shortcomings, at least the implementation of financing has embodied the implementation of Islamic sharia in economic life.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HC Economic History and Conditions
Divisions: Faculty of Economics and Business > Department of Accounting (62201)
Depositing User: Rayi Tegar Pamungkas
Date Deposited: 17 Apr 2012 01:45
Last Modified: 17 Apr 2012 01:45

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