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The major function of two banking is the fundraising and channeling funds. And those of conventional banks in the distribution of funds is known as the credit while in the shariah banking is financing. In practice in that of conventional banks often found problems that had occurred in do credit, one of them is extreme customers to repay a fund in accordance with the agreement. As also often occurring in that of conventional banks, syariah banking in their function as financial intermediary isdoi:10.31538/adlh.v3i3.407 fatcat:cg4hgvcphzc2ti7d6unrulc22e