Time value of money dan economic value of time

The concept Time Value of Money states that the value money today is more valuable than same in future. But sharia principles there no such thing as Money. In principles, it better known Economic Time, meaning actually has time value, but economic value. Then itself triggers human desire to develop their various ways, one which property investment. purpose this study answer how investment scheme theory and Time. method discussed here a case using home ownership credit system conventional platforms. From research conducted, was found based on assumption calculations from several banks, KPR with best choice, namely BCA First, if prospective buyers have preference for Islamic banks by considering choice BTN Syariah. P2P Lending funding not good because high interest charged.