AnalisaPerbandingan Sistem Pemberian Kredit Secara Konvensional dan Syariah pada PTBNI (Persero) Tbk Sentra Kredit Kecil Medan dan PT BNI Syariah CabangMedan

Mahmudah, 080522004, this essay titled Comparative Analysis of LendingSystem By Conventional and Syariah at PT BNI (Persero) Tbk Sentra KreditKecil Medan and PT BNI Syariah Medan. The purpose of this study was todetermine differences in conventional lending systems and syariah at PT BNI(Persero) Tbk small loan centers and PT BNI Syariah Medan.In this study, the data information obtained will be analyzed by qualitativedescriptive by describing the situation. The study is a descriptive study of nonhypothesis,so that the review step is not necessary to formulate hypotheses. Inthis method of analysis will compare the procedure with descriptive of the creditdelivery system in conventional banks and Islamic banks in PT BNI (Persero) TbkSentra Kredit Kecil Medan and PT BNI Syariah Cabang Medan.The results of this study indicate that the system of conventional andIslamic loans at PT BNI (Persero) Tbk Sentra Kredit Kecil Medan and PT BNISyariah Medan Branch have differences in the agreement made in the system ofcredit / financing. Akad conducted at PT BNI Syariah Cabang Medan using acontract that permitted where there is no element of riba / interest in theagreement but sharing system. Unlike the PT BNI (Persero) Sentra Kredit KecilMedan use the interest in the agreement as gains from services rendered.