Pergeseran paradigma: kajian mendalam kemiripan produk dan layanan perbankan syariah dengan bank konvensional di indonesia

Abstract

Purpose: This research is to determine the differences between conventional banking and sharia banking in terms of collecting funds, distributing funds, and their significant differences.

Methodology/approach: This research is qualitative research with descriptive analysis, data sources come from interviews and related journals

Results/findings: The Islamic banking paradigm compared to conventional banking has similarities in its operations. However, the basic principles underlying the two banks are different. The differences between the two can also be seen in the products offered by each bank. Islamic banking operates based on the principles of justice and sharia, while conventional banking focuses on profit maximization with greater flexibility in risk management

Limitations: The data sources obtained were not many because they only interviewed one employee of each bank, namely conventional and sharia banks, so the research results were not optimal, but this research was assisted by related journals so that good results were obtained.

Contribution: This research can provide benefits to the public and students in determining which is more appropriate in investing and saving funds according to the needs of conventional banking and sharia banking.