Rabu, 19 Februari 2014

Role of Strategic Analysis Islamic Bank in SME Financing

Real Sector Relations with the Islamic Banking System

Because Islamic banks apply interest sharing system is not used then the principle is the principle of justice towards a stable and healthy economy . The contributions made by Islamic banks to the national economy in accordance with the above principle is that the existence of Islamic banks will increase the real sector in Indonesia . This is because the Islamic bank in carrying out its activities , especially in the finance portfolio actually based on real events / real so the results are not the result of speculation didapatkanpun as found in conventional banks . So that the results achieved for economic growth really reflect the real sector .

Currently the real sector is experiencing a process of destruction . If you studied scientifically why the real sector is now " like a precarious " is because the interest rate set by conventional banks for financing is very high . And then the next question that arises is why conventional bank sets the interest is high, it is because conventional banks set profit-oriented principles that caused the bank should bear the interest paid to depositors with high interest also assuming the bank must always be lucky to avoid negative spread .

It is conceivable of course that the above reasons can be seen that in practice only to think of the interests of conventional banking institutions to not only experience a loss or negative spread . Conventional banks do not care about the survival of the creditors , so kreditorpun not focus his efforts in developing the main concern is the accuracy and the ability to pay the mortgage debt to the conventional banks . And in the end the real sector was not able to run properly .

From the above explanation it can be concluded that the existence of Islamic banks is very necessary in the present conditions , especially to help overcome the adversity faced by the real sector in terms of SMEs in the field of capital .

Analysis of the strategic role of Islamic banks in financing SME projects
Based on the above explanation , it can do analysis of the strategic role of Islamic banks in financing SME projects as follows :
In keeping with the focus of national development of Islamic banking in the second phase of increasing competence skills , professional Islamic banking institutions and actors , as well as improving the function of intermediation , efficiency , and competitiveness of Islamic banking industry , it is necessary to meet the readiness of the retail market are still open chances . Then the question is , should the Islamic banks directly involved in the financing of the project to accommodate the sector ? While the Indonesian bank 's status as a monetary authority to establish procedures for collateral that is still difficult for SMEs to enter the formal MFIs . By looking at the market trends as well as the promise of BI policy in early 2006 , the Islamic bank can actually enter the SME market directly while also accommodating the lower classes with linkage program . While the problem can be circumvented by collateral difficulty developing social capital by empowering business group , Self-Help Groups ( KSP ) that apply jointly and severally liable with the double pressure that is on the bank and the group .

Hence the need for an intermediary institution of sharia with the same force that fall into the SME sector to protect the interests of small businesses from banking practices unfair and must meet syaiah principle .

Credit program / ​​project financing for productive activities are supposed to achieve the goal of increasing the production volume will increase productivity in the real sector so as to produce a multiplier effect ( the demand for labor and its associated enterprises ) to the surrounding environment and is able to drive economic growth . Therefore, the necessary integration of credit programs that no longer relies on one institution .

Although Islamic banks have a wide range of advantages and benefits in moving rate of the economy , namely the SME sector , but keep in mind that the influence of Islamic banks on the growth of the national economy is only 0.23 % or less than 1 % . According to the analysis of Indonesian banks that Islamic banks will be able to affect the national economy could affect inflation even if the role of Islamic banks in the national economy growth bekiar between 10 % -20 % .

While the SME sector ( which is a stimulator of the economy ) the role of Islamic banks today considered not maximal . As described in the previous chapter that is currently financing the SME sector is still dominated by conventional banks .

The reasons that hamper its role in optimizing the Islamic banks in the SME sector are as follows :
The availability of human resources who understand the financial aspects of jurisprudence at the same aspect in Indonesia is still very limited ( less qualified human resources ) ,

Socialization of Islamic banks are less , particularly to the lower layers of society as key actors SME sector
Islamic banks are less active in the financing ,

Sophistication of information technology is still behind when compared to conventional banks
government policy on the development of Islamic banks rated laimban because self-government is still in favor of the conventional banks with conventional banks for the reason of existence of this effect on the national economy and the government's lack of knowledge about their own Islamic banks
the presence of information or information asymetris one direction between Islamic banks and customers so that no synchronization in carrying out its activities

absence of fraud task by the Islamic banks themselves because human resources are empowered in Islamic banks is derived from a conventional bank or because of the knowledge possessed only limited to it - that's all

Islamic bank 's role as a partner SME sector is not yet complete meaning of Islamic banks only assist in financing the funds alone but did not participate in helping to promote SMEs in increasing their income .
number of Islamic banks are yet to reach outlying villages is a significant obstacle for most sectors of SMEs located in rural areas .

Barriers such as those mentioned above that which led to the development of Islamic banks impeded although theoretically Islamic banks have a competitive advantage ( competitive advantage) in the national economy . Therefore , it is necessary to co-operation between the government as policy maker , Islamic banks , as well as the community . Thus Islamic banks will be able to compete with conventional banks and in the end will really be able to affect national economic growth through the growth of the real sector .