Indonesian sharia financial industry shows positive trend and growth, Director General of Islamic Counseling-Ministry of Religious Affairs Nasaruddin Umar said that regardless of slightly late introduction this industry continues showing positive trend. Sharia financial institutions also play an importantrole in supporting and bridging the halal industry in Indonesia. “Through such sharia financial institutions the time is coming for Moslem societies to get earnings that are bless full and interest-free,” Nasarudin said.
Meanwhile, State Minister for Woman and Children-Linda Gumelar said that sharia banking is on its way to big opportunities. “May this festival serve as the bridge for the people to know a lot more about sharia financial institutions” Linda said. She insists on the socialization of sharia banking including among women who are self-employed in small and medium business (UKM). Linda disclosed that some 60 % UKM is women despite of capital shortage. Such a potential market should serve the sharia banking a market niche for business development.
Chairwoman of the Sharia Economy Women-Munifah Syanwani said that her organizations is also striving to serve as a bridge between womwn and sharia financial institutions. About 60% of small and medium business is managed by women, that’s why we’re trying to optimize the potential and serve as a bridge between SME and sharia banks or cooperatives.
One of the challenges faced by sharia banking is product innovations. Bank Syariah Mandiri (BSM) Director Hanawijaya that in general there are several constraints in developing sharia banking product. However,BSM is preparing consumer financing scheme. Hanawijaya cited an example, is a customer is in need of money for house renovations and children education, each has its own agreement scheme. One of the way out is that the customer sells a car to the bank to get the fund for financing the needs. In this case the customer can buy back the car by installments this is under the category of bai al inah. “If the National Sharia Council agrees,such financing is limited to consumer financing not for other types of financing. According to him consumer financing in Indonesia is around Rp 600 trillion,but sharia banking is yet to hold a big portion. BSM consumer financing amounted to Rp 6 trillion of the total sharia financing of Rp 21 trillion in July 2010.
Welfare and Justice Party (PKS) Factions legislator Sahibul Imam said,sharia financial institutions is currently viewed as alternative to the conventional banking. “However,there are two things to do for translating this sharia principle to get people interested in, these two are promoting the principles of objectivity and benefits”
Head of Sharia Banking Research Development and Regulation Bureau of Bank Indonesia’s Sharia Directorate-Tirta Segara said that in the blue print of sharia banking development sharia banking is expected to develop product innovation. “Innovation is very important because most Indonesian people are rational customers and innovations is required to attract them”. According to Tirta, in the first semester of 2010, sharia banking asset stood at Rp 75 trillion, or 2,8% of the national banking asset of about Rp2,600 trillion. As of the year-end of 2010,shariah banking should have held a market share of about 3%. “With continued growth the market share is expected to reach market share of 5% by 2013-2014,”Tirta expected. (ed yeyen)(Republika)(BSMnet news)
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