摘要：ABSTRACT :The most distinguishing between the financing system organized by Islamic andconventional banks is the implementation of the system of interest / margin. Ifthe interest is calculated in the conventional banks and the rest of the contractprice or value of transaction downpayments that have been paid multiplied bythe prevailing interest rate when the transaction occurred, while in the Islamicbank is calculated and the value multiplied by the margin of selling tools thatapply sharia seeara. Therefore, the purpose of this research was to compare thecalculation of interest / repayment of margin financing through Islamic andconventional banks, as well as consumers know the advantages of both systemsat the bank financing. The analysis tool used by the authors to compare theinterest / installment is the method of margin remaining contract price andmargin calculations on the financing By Sharia medical equipment on the CV.Multi Sarana Medilab.. This proved noodles with total installments for a periodof three years in bank shar? Ah lower than conventional bank financing. Thisnoodle is because the margin of Islamic bank financing installments arecalculated based on sales nhlai appliance without downpayments, while theinstallment financing and leasing of conventional banks are calculated based onsales value downpayments tool then multiplied by the present interest per yearand divided by the credit.
