ANALYSIS OF DIFFERENCES IN VEHICLE LOAN SYSTEM BETWEEN SHARIA PAWNSHOPS AND SHARIA BANKS
Keywords:
Pegadaian Syariah, Bank Syariah, Mekanisme, Pinjaman Kredit, Kendaraan BermotorAbstract
Credit loans today are very useful for the community to make it easier to get what they need quickly and safely, this research is related to this. The purpose of this study is to find out how the terms and mechanisms of motor vehicle credit loans between Sharia Pawnshops and Sharia Banks are. This study uses a descriptive method with analytical methods namely is qualitative data, conducting interviews, observations and searches from the websites of related business entities. The object of this research is the Islamic Pawnshop and Bank Syariah Indonesia (BSI). The results of this study indicate that there is no big difference between the two, the difference is only based on the down payment, rates and fees, term and technical installment payments. The results of this study can be used by the public or customers who want to make a motor vehicle loan.
References
Astuti, R., & Sugiharto, B. (2019). Pengaruh Locus of Control, Ethical Sensitivity, Kecerdasan Intelektual, Kecerdasan Emosional, Kecerdasan Spiritual dan Tingkat Pendidikan Terhadap Perilaku Etis. Jurnal ASET (Akuntansi Riset), 11(2), 256-270.
Bina Nusantara. (2021). Sistem Penjualan Kredit. Retrieved From https://sis.binus.ac.id/2021/01/25/sistem-penjualan-kredit/.
Bank Syariah Indonesia. (n.d). Retrieved From https://www.bankbsi.co.id/.
Demon Fajri, Okezone. (2019). Mengenal Transportasi Dari Masa ke Masa Bermula Dari Penemuan Roda. Retrieved From https://nasional.okezone.com/read/2019/09/16/337/2105515/mengenal-transportasi-dari-masa-kemasa-bermula-dari-penemuanroda?page=2
Hasballah, Yamin dan Aprilyana. (2018). Retrieved From https://garuda.ristekbrin.go.id/documents/detail/1422841.
Lifepal. (2021). Pegadaian Syariah Tawarkan Produk Pinjaman Cepat dan Halal. Retrieved From https://lifepal.co.id/media/8-produk-pegadaian-syariah/
Lavuri, R., & Susandy, G. (2020). Green products: Factors exploring the green purchasing behavior of south Indian shoppers. Indonesian Journal of Sustainability Accounting and Management, 4(2), 174â-191.
Otoritas Jasa Keuangan (OJK). (n.d). Perbankan Syariah dan Kelembagaannya. Retrieved From https://www.ojk.go.id/id/kanal/syariah/tentang-syariah/Pages/PBS-dan-kelembagaan.aspx
Pegadaian Syariah. (n.d). Pegadaian Syariah Cicilan Kendaraan. Retrieved From https://pegadaiansyariah.co.id/web/produk/amanah
Purnamasari, P., & Umiyati, I. (2019). Asymmetric Cost Behavior and Choice of Strategy. Jurnal Reviu Akuntansi dan Keuangan, 9(1), 24-33.
Reza, Muh. (2016). Analisi Perbandingan Pemberian Kredit Dan Pembiayaan Murabahah Pada PT Bank Mandiri Dan Pt. Bank Mandiri Syariah Di Kabupaten Mamuju Sulawesi Barat. Retrieved From http://repositori.uinalauddin.ac.id/3816/1/MUH.%20REZA%20ZULKIFLI%20HAYADIN.PDF
Universalbpr. (2021). Memahami Pengertian Penjualan Kredit. Retrieved From https://universalbpr.co.id/blog/penjualan-kredit/
Umiyati, I. (2017). Financial Reporting Quality, Information Asymmetry and Investment Efficiency. Jurnal Akuntansi dan Bisnis, 17(1), 39-53.
Widarwati, E., & Sartika, D. (2019). Cost of financial distress and firm performance. The Indonesian Capital Market Review, 10(2), 2.
Widarwati, E., Afif, N. C., & Zazim, M. (2016). Strategic Approach for Optimizing of Zakah Institution Performance: Customer Relationship Management. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah, 9(1), 81-94.
Widarwati, E., & Mulyawati, S. (2015). PERINGKAT SCORE GOOD CORPORATE GOVERNANCE DAN HUBUNGANNYA DENGAN RETURN SAHAM. Jurnal Analisis Bisnis Ekonomi, 13(1), 66-73
Program Studi Akuntansi