ANALISIS KOMPARATIF PENERAPAN SUKU BUNGA KPR BANK DI BATAM
Abstract: This study analyzes
each of the interest calculation method which used on bank loans, consist of
flat, effective (sliding), and annuitiesmethod, as well as murabahah in Islamic
bank, along with the comparison in cases. The results found that with the same
interest rate, the amount of interest charged on a flat method is the most
expensive, followed by annuities then effective method with the ratio 1,79: 1:1,097
(flat, effective, and annuities). As for the comparison with murabahah is in term
of the risk of the interest rate fluctuations. The level of profit margins
(called interest on conventional banks) on murabahah is fixed until the end of
the credit period, while interest on conventional bank loans tend to be
floating (changes according to the BI rate). In the condition of stable BI
rate, the results showed that the ratio of commercial bank interest and Islamic
banks margins are 1 : 1,38, which is margin in Islamic banks is higher.
Keywords: interest rate
methods, annuity, flat rate, effective rate, bank loan, KPR, banking, Islamic
bank, murabahah
Penulis: Johny Budiman, Yenny
Fyfy Susanty
Kode Jurnal: jpmanajemendd140610
