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MONETARY INFRASTRUCTURE

MONETARY INFRASTRUCTURE. Players. Social. The Indonesian Islamic Financial System Architecture. The IIFSA Coverage. Banking. Capital Market. Forex Market. Insurance. Pension Funds. Finance Companies. Micro Finance. Pawn Shop. Payment System. Monetary Sector. Fiscal and

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MONETARY INFRASTRUCTURE

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  1. MONETARY INFRASTRUCTURE

  2. Players

  3. Social The Indonesian Islamic Financial System Architecture The IIFSA Coverage Banking Capital Market Forex Market Insurance Pension Funds Finance Companies Micro Finance Pawn Shop Payment System Monetary Sector Fiscal and Real Sector Social Sector

  4. Social Capital Market Insurance Social Sector Banking Pension Funds Finance Companies Monetary Sector Economic Activities Forex Market Fiscal and Real Sector Micro Finance Pawn Shop Payment System

  5. Regulators

  6. IIFSA: Infrastructures, Mechanism & Issues Ministry of Finance Ministry of Cooperative & Small Medium Enterprises IMPORTANT ISSUES AUTHORITIES Bank Indonesia Badan Amil Zakat Nasional National Sharia Council Regulation & Supervision Good Corporate Governance Social Sector Needy People Accounting Principles Rating Agency Insurance Banking Product Diversification Finance Companies Capital Market Investors Human Resources Monetary Sector Basyarnas Payment System Entrepreneurs Fiscal and Real Sector Customers Tax System Pension Funds Pawn Shop Economic Growth Business Conduct Micro Finance Forex Market Legal Aspect

  7. StrategiKelembagaan

  8. TANTANGAN DAN PELUANG PERBANKAN SYARIAH DAERAH Tantangan • Keterbatasan modal • KapasitasSumberDayaManusia • Sosialisasi yang belummerata • Sebaranpotensiekonomi yang tidakmerata Peluang • Besarnyapotensiekonomidaerah yang belumtereksplorasi • Otonomidaerahmemberikanwewenangdaerah yang lebihterbukadalammengembangkanperbankandaerah  Dibutuhkanstrategi yang tepatdalammengembangkanperbankansyariahdaerah

  9. Peta Potensi Pengembangan Bank Syariah Sangat Potensial Potensial Cukup Potensial Kurang Potensial

  10. PilihanStrategiPengembangan Denganmempertimbangkanarahkebijakanindustriperbankansyariahberdasarkan UU PerbankanSyariahdan PBI tentang UUS, makastrategi yang dapatdilakukanadalah: • Memperkuat UUS BPD yang existing mengarahpadapendirian BUS (Spin Off) • Melakukan pendirian BUS baru: • Merger UUS BPD kepada BUS yang telah ada • Merger UUS seluruh BPD menjadisatu BUS daerah • Merger UUS BPD secara regional menjadi BUS; contohsumatera, jawa, indonesiatimur

  11. StrategiProduk

  12. BANKING DILEMMA Fin Prod/Inst more developed Treasury Oriented (Focus Tendency) - Conditional A R/L tinggi & sustainable (LDR rendah, NPL rendah)  Treasury > Kredit Consequences: Credit pricing based on Treasury rate Economic & Fin. Stability Impact Treasury Efficiency Con A > Con B BANK Conditional B R/L tinggi & sustainable (LDR tinggi, NPL relatiftinggi)  Treasury < Kredit Kredit Demand from: Market; business rationale Regulator; regulation interest Players; span of duty & accountability Credit Act. Demotivated + Cre Prod/Inst less developed Tarikmenarikantarakepentinganmakrodanmikrotergambardalamstrategioperasional bank. Kepentinganbisnismenjadirelatifdominandanakhirnyamembentukkecenderungantertentudalamindustri. Hal initergambardarikecenderunganproduk-produkdalampengelolaan asset perbankan. Sementarapengawas bank jugarelatifpragmatisuntukfokuspadakesehatanperbankanberdasarkanpencapaian profitability bank. Sepatutnyaketentuanmenjadi media yang tepatuntukmenyatukanduakepentinganini; profitability dan optimum economic contribution (termasuk financial stability)

  13. ArahPengembanganProduk Kafalah, Hiwalah, Wakalah, Rahn & Sharf MemperlancarSektorRiil Pembiayaan Basis Jual-Beli: Murabahah, Salam, Istishna & Ijarah Wadiah & Mudharabah MengembangkanSektorRiil Pembiayaan Basis Bagi-Hasil: Mudharabah& Musyarakah Commodity Murabaha SUKUK Pengembangan produk khususnya di sisi pembiayaan sebaiknya fokus pada pengembangan sektor riil, sehingga perlu pembatasan pada produk-produk penyaluran yang berorientasi pada motif liquidity management; Sukuk, SIMA & SBIS. Sementara produk pembiayaan yang hanya real sector camouflage (Conventional Mimicry) seperti Bay’ Bithaman Ajil, Bay’ Al Innah, Bay’ Ad Dayn & Commodity Murabaha/Tawarruq, sebaiknya dihindari. PengelolaanLikuiditas Bank (Treasury) SIMA SBIS Bay’ Bithaman Ajil Bay’ Al Innah Bay’ Ad Dayn Commodity Murabaha/Tawarruq Real SectorCamouflage Dalamrangkamendukungpengembangansektorriil, padamasa yang akandatangproduksukuksebaiknyadikembangkanberdasarkanproject based instrument bukan asset-based instrument.

  14. PeluangdanTantanganPengembanganProduk Pertanian Pertambangan Manufaktur Mudharabah & Musyarakah Transportasi Non-UMKM Konstruksi Murabahah, Salam, Istishna & Ijarah UMKM Listrik • Produkpembiayaan bank syariahmasihdidominasiolehprodukpembiayaanberbasisjual-beli, namunprodukpembiayaanberbasisbagi-hasilmengalamipertumbuhan yang cukuptinggi. Hal iniperludidorongmelalui: • Insentifregulasi; limitasiproduk basis jual-beli • Kelengkapaninfrastrukturpasar; info pasar • Peningkatanpengetahuanbankir; skill sektorriil Perdagangan Jasa Usaha JasaSosial Pembiayaan bank syariahmasihterkonsentrasipadasektorperdagangandanjasa, eksplorasisektor lain dibutuhkandalamrangkameningkatkanpotensikemanfaatan bank syariahdanoptimalisasipeluangusaha. Sementarapembiayaan yang masihcukupdominandisektor UMKM perludipeliharadanditingkatkankualitasnya.

  15. StrategiAliansi

  16. Masalah UMKM dan Penanganannya Lack of Lack of Lack of Mgt Lack of Mgt Life Problems Life Problems Inadequate Inadequate PROBLEMS PROBLEMS Financial Financial & Tech & Tech Collateral Collateral Basic needs Basic needs Lack of Integrity Lack of Integrity PROBLEM PROBLEM Commercial Commercial Technical Technical Spiritual Spiritual Social Social SOLVING SOLVING Funds Funds Assistance Assistance Treatment Treatment Funds Funds BANKABLE SMALL & MICRO ENTREPRISES SMALL & MICRO ENTREPRISES

  17. BUS ZFI Strategi Pengembangan UMKM Commercial Local Government BI BI Local Government & Company INSTITUTION INSTITUTION Bank BDSP Amil BPRS BMT Institution Consultant/University KKMB Commercial Commercial Technical Technical Spiritual Spiritual Social Social ROLE ROLE Funds Funds Assistance Assistance Treatment Treatment Funds Funds BANKABLE SMALL & MICRO ENTREPRISES SMALL & MICRO ENTREPRISES

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