with descriptive of the creditdelivery system in conventional banks and Islamic banks in PT BNI (Persero) TbkSentra Kredit … loans at PT BNI (Persero) Tbk Sentra Kredit Kecil Medan and PT BNISyariah Medan Branch have differences in the agreement … there is no element of riba / interest in theagreement but sharing system. Unlike the PT BNI (Persero) Sentra Kredit …