Jurnal
KETERTARIKAN NASABAH BANK KONVENSIONAL MELAKUKAN TAKE OVER KE BANK SYARIAH (STUDI KASUS PADA PERBANKAN SYARIAH DI KOTA LHOKSEUMAWE)
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Abstract
With the development of Sharia Commercial Banks in Indonesia, it has
become a customer solution in conducting economic transactions. Islamic
Banks are institutions that provide financial services in accordance with
sharia principles. Sharia Bank also provides Take Over services as a solution
for customers in transferring debts from Conventional Banks to Sharia
Banks. The purpose of this study is to determine the implementation of Take
over and to find out why customers are interested in taking over from
Conventional Banks to Islamic Banking in Lhokseumawe City. The research
method used is a qualitative research method in order to obtain clear and
definite data. Data collection techniques used in this study were interviews
and documentation. The results showed that: (1) The contracts used in
Sharia Banking in Lhokseumawe City are hiwalah, murabahah and qardh
contracts. Implementation and application determined by Sharia Banking in
Lhokseumawe City includes several stages, namely: The customer submits a
financing application file in Sharia Banking, the customer confirms the
remaining credit at the original Bank, after signing all application
documents, the financial officer and the customer bring cash to the bank that
payment is made, the customer has been transferred to Islamic Banking in
Lhokseumawe City after signing a financing agreement and submitting a
guarantee legality. (2) The reason the customer switches to a Sharia bank in
Lhokseumawe City is because the customer wants financing based on the
sharia system, is easily accessible to the public, the process is fast,
administrative costs and insurance are cheaper, so that the customer is
interested in switching to Sharia Banking in Lhokseumawe City with a
murabahah financing contract.