Evaluasi Pembiayaan Perumahan Akad Murabahah Versus Kredit Konvensional Berdasarkan Volatilitas Harga
Abstract: The purpose of this
study was to determine whether the pattern of housing financing murabaha or
conventional mortgages can overcome the volatility of house prices after the
maturity of the financing. The data used is the housing finance murabaha
installment in Bank Syariah Mandiri and Bank BRISyariah and conventional
housing loan installment consumer loan interest is based on the National
Private Bank. The study says that housing finance murabaha at bank Syariah
Mandiri, Bank BRISyariah and conventional mortgages experienced a capital loss
caused due to the volatility of house prices where the market value of the home
after the maturity of the financing is higher than the value of the house based
on murabaha financing and conventional loans.
Keywords: Murabaha Contract;
Mortgage Financing; Effectively the Floating Rate; Volatility of Prices;
Capital Loss
Penulis: Sahlan Hasbi, Kuncoro
Hadi
Kode Jurnal: jpakuntansidd160716
