ANALISIS KOMPARATIF PEMBIAYAAN MURABAHAH PADA BPRSYARIAH DAN PEMBIAYAAN KONSUMEN PADA MULTI FINANCE

HAKIM, ARIF RAHMAN (2007) ANALISIS KOMPARATIF PEMBIAYAAN MURABAHAH PADA BPRSYARIAH DAN PEMBIAYAAN KONSUMEN PADA MULTI FINANCE. Other thesis, University of Muhammadiyah Malang.

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Abstract

This is study of comparative research between BPR Syariah Bumi Rinjani and PT. Summit Oto Finance with title “Comparative Analyzis of Murabahah Finance in BPR Syariah and Consumer Finance in Multi Finance”. The purpose of this research is to know what is murabahah financing in BPR Syariah more efisien than Consumer Finance in Multi Finance if seen from component component of cost which determined by company. And to know the financial calculation in BPR Syariah and Multi Finance. The step of doing analyzis are doing calculation of murabahah and consumer finance (main credit and profit), doing calculation of first administrative fee, fine, delinquent payment, insurance, paying off of a debt, death and accident, and taking of BPKB. Doing calculation of cases and then taking conclusion. The analyzis of vehicle payment showing that out of cost by customer. In BPR Syariah is out of cost for murabahah financing14.630.000 rupiahs, first administrative fee 210.000 rupiahs, no fine, default 6.198.500 rupiahs, no insurance, paying off of a debt 3.579.000 rupiahs, no fee for taking of BPKB. But out of cost by client in Multi Finance are cost of credit 15.192.000 rupiahs, first administrative fee include in cost of main credit, fine 72.584 rupiahs, insurance cost include in cost of main credit, paying off of a debt 4.744.625 rupiahs and no fee for taking of BPKB. The result of case analyzis is the fluent payment case BPR Syariah more efficient than Multi Finance. In the default case Multi Finance more efficient than BPR Syariah. Whereas in the paying off of a debt case BPR Syariah more efficient than Multi Finance.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
Divisions: Faculty of Economic > Department of Accounting
Depositing User: Zainul Afandi
Date Deposited: 04 Jun 2012 06:44
Last Modified: 04 Jun 2012 06:44
URI: http://eprints.umm.ac.id/id/eprint/6518

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