TINJAUAN YURIDIS PROSES PEMBERIAN KREDIT PADA BANK KONVENSIONAL DAN PEMBERIAN KREDIT PADA BANK SYARIAH

摘要

Writing in this paper, take the topic of judicial review processes in Conventional Banks lending and loan processing at Bank Syariah. The method used in conducting research that is by using normative law research that is done or focus on the positive legal norms in the form of legislations with the object studied. At this writing I compared the performance of the two types of banking of conventional banks and Islamic banks. The development of Islamic banks are growing rapidly in recent years have prompted the authors to conduct research on the performance of the bank and then comparing it with the conventional banks to determine whether there is a significant difference between the two and to compare which of the two who have better financial performance. This research was conducted at PT. Bank Syariah Mandiri (Bank Mandiri Syariah) and PT.Bank Pemerintah Daerah (BPD) Yogyakarta. The aspects analyzed in this paper is a review juridical about the comparison process of granting credit on a conventional bank implemented a system interest rates by Islamic banks to implement the system for results and whether the operating system is applied to the Islamic banks are in accordance with Islamic principles are based on Islamic law and Act No. 21 of 2008 concerning Islamic Banking (Undang-Undang Nomor 21 Tahun 2008 Tentang Perbankan Syariah). Based on the results of the research that has been done on the two banks into a sample of Islamic banking and conventional banking, suggests that there are significant differences between the performance of Islamic banking compared to the conventional banking when seen from the performance of the bank as a whole, represented by the variable "Performance" and the banking performance Sharia is not better when compared with the performance of conventional banking.