Peluang Dan Tantangan Lembaga Keuangan Syariah Indonesia Pada Era Pasar Bebas Asean (original) (raw)

Peluang Ekonomi Syariah Pada Era Masyarakat Ekonomi Asean

Dauliyah Journal of Islamic and International Affairs

This paper discusses the opportunities of Islamic economy in the era of AEC, especially in Indonesia. As understood, AEC is ASEAN's cooperation and integration development that aims to easily the liberalization process in Southeast Asia by eliminating trade barriers in goods and services, capital, investment and labor. In this regard, it is important to study how the opportunities of Islamic economy as an Islamic-based economic perspective and practice, which is diametrically different from the perspective and practice of liberal economy in the AEC. This paper arguments are, first, Indonesia provides opportunities for Islamic economy development. Because, the number of Indonesian Muslim population is majority and Indonesia is ranked sixth in 2016 as a country that has the potential and conducive in the Islamic finance industries development. Second, Indonesian Islamic banking can become a state power

Akuntansi Syariah DI Indonesia Prospek Dan Tantangannya DI Masa Depan

Al-Fikra : Jurnal Ilmiah Keislaman, 2017

Syariah accountancy in Indonesia, Prospect and it's Challenge in the future: As a result of the development of Islamic banks, there are a lot of preparations to be done such as from sociological perspective in which people tends to be usual in conservative banks; from the human resources who have enough ability in an operational system of Islamic banks;from the softwares and hardwares to support the operational system of Islamic banks. One of the important softwares in Islamic banks is syariah or Islamic accountancy. The activity of syariah economy in the syariah financial institutions will not get maqasid al-syariah or the intention of legislation if the system of its accountancy is not based on syariah. The future of the syariah banks or other Islamic financial institutions will depend on the ability of their human resources in getting rid of the conventional accountancy systems. Those who engage in Islamic banks or Islamic financial institutions should have an understanding in syariah or Islamic accountancy since their skills will contribute the future of syariah or Islamic financial systems.

Peluang dan Tantangan Perkembangan Regulasi Perbankan Syariah di Indonesia

Lembaga perbankan merupakan salah satu tulang punggung perkeonomian di suatu negara. Di Indonesia, jumlah bank sudah sangat menggeliat, tepatnya 240 bank sebelum dilakukan likuidasi tahap pertama pada tahun 1999. Namun dengan belum berakhirnya krisis moneter, ternyata semakin banyak saja bank yang bermasalah. Maka, akibatnya adalah bertambah banyak pula bank yang dilikuidasi. Salah satu masalah yang muncul ialah bank tengah menghadapi negative spread (suku bunga tabungan lebih besar dari suku bunga pinjaman), sehingga bank sulit mendapatkan keuntungan. Oleh sebab itu, apabila sistem bunga menimbulkan negative spread, maka bank dapat mencari solusi lain, seperti sistem bagi hasil yang ditawarkan oleh bank syariah. 1 Saat tengah memasuki periode 1990-an, sektor keuangan di Indonesia semakin marak dengan hadirnya lembaga-lembaga keuangan yang beroperasi berdasarkan prinsip-prinsip ajaran islam atau syariah Islam. Meskipun NKRI (Negara Kesatuan Republik Indonesia) merupakan negara dengan penduduk yang mayoritas beragama muslim, tetapi Indonesia bukanlah negara pertama yang menerapkan lembaga keuangan berlandaskan prinsip syariah. Perbankan syariah merupakan institusi/lembaga keuangan yang tumbuh dan berkembang di indonesia sejak 16 tahun yang lalu diawali dengan berdirinya Bank Mualamat Indonesia pada 1 Mei 1992. Pada tiga tahun terakhir ini, perkembangan bank syariah relatif sangat cepat. Hal ini dapat dilihat dari beberapa indikator, baik indikator keuangan, seperti jumlah aktiva, dana pihak ketiga (DPK), volume pembiayaan, maupun dilihat dari 1 Mandala Manurung dan Pratama Rahardja, Uang, Perbankan, dan Ekonomi Moneter (Kajian Kontekstual Indonesia), (Jakarta: Fakultas Ekonomi Universitas Indonesia, 2004), 222. 2 kelembagaan, dan jaringan kantor bank. 2 Bahkan, dari data statistik perbankan syariah di Indonesia yang dihimpun oleh Bank Indonesia, mengalami peningkatan yang begitu luar biasa hingga mencapai ribuan. Berikut ini adalah tabel perkembangan jumlah perbankan syariah di Indonesia hingga bulan Agustus tahun 2013. Sumber: Bank Indonesia, Data Statistik Perbankan Syariah Agustus 2013 Dari data di atas, terlihat begitu jelas bahwa tiap bulan di tahun 2013 ini saja, jumlah perbankan syariah rata-rata mengalami peningkatan. Mengingat jumlah perbankan syariah (PS) di Indonesia begitu menjamur, maka dukungan berupa regulasi yang menjadi pijakan dasar (fundamental) sangatlah diperlukan untuk melegalkan eksistensi PS di Indonesia. Peraturan atau regulasi yang memuat perbankan syariah tidaklah serta merta ada begitu saja. Dalam penyusunannyapun membutuhkan waktu yang lama, mulai dari tahun 1988 hingga tahun 2008. Butuh waktu lebih dari 10 tahun, tepatnya 20 tahun untuk merampungkan dan meyempurnakan regulasi tentang perbankan syariah. Maka dari itu, tentu banyak sekali peluang serta tantangan yang pasti dihadapi oleh perbankan syariah setelah lahirnya regulasi yang baru dan resmi (tahun 2008). Berdasarkan pemaparan di atas, maka penyusunpun berinisisatif untuk menyusun sebuah makalah yang berjudul "Peluang dan Tantangan Perkembangan Regulasi Perbankan Syairah di Indonesia". Penjelasan lebih detail dipaparkan penyusun dalam bab pembahasan melalui subbab-subbabnya. B. Rumusan Masalah Berdasarkan latar belakang masalah yang telah dikemukakan di atas, maka rumusan masalah yang dibahas dalam makalah yang berjudul "Peluang dan Tantangan Perkembangan Regulasi Perbankan Syairah di Indonesia" ini adalah: a. Bagaimana perkembangan perbankan syariah? b. Bagaimana periodisasi regulasi perbankan syariah di Indonesia? c. Bagaimana peluang dan tantangan pasca regulasi UU PS tahun 2008? d. Bagaimana rasionalitas dan evaluasi terhadap UU PS tahun 2008? C. Tujuan Berdasarkan rumusan masalah di atas, tujuan dalam pembuatan makalah yang berjudul "Peluang dan Tantangan Perkembangan Regulasi Perbankan Syairah di Indonesia" adalah sebagai berikut: a. Untuk mengetahui perkembangan perbankan syariah b. Untuk mengetahui periodisasi regulasi perbankan syariah di Indonesia c. Untuk mengetahui peluang dan tantangan pasca regulasi UU PS tahun 2008 d. Untuk mengetahui rasionalitas dan evaluasi terhadap UU PS tahun 2008 D. Manfaat Adapun manfaat yang diperoleh dari pembuatan makalah yang berjudul "Peluang dan Tantangan Perkembangan Regulasi Perbankan Syairah di Indonesia" diharapkan dapat memberikan manfaat bagi beberapa pihak, antara lain: 4 a. Kegunaan Teoritis Hasil makalah ini dapat berguna bagi siapapun yang ingin memperdalam wawasan dalam dunia perbankan, khususnya perkembangan regulasi tentang dunia perbankan syariah. b. Kegunaan Praktis Adanya makalah ini dapat digunakan oleh para akademisi maupun para bankir serta para praktisi di dunia perbankan syariah yang belum tahu atau ingin mengetahui lebih dalam tentang kajian perkembangan regulasi Undang-Undang Perbankan Syariah mulai dari era 1900-an hingga resmi tersempurnakan pada tahun 2008. 5

Ekonomi Syariah Peluang Dan Tantangan Bagi Ekonomi Indonesia

Al-Iqtishad: Journal of Islamic Economics, 2016

Dinamika perkembangan perbankan syariah, khususnya di Indonesia tidak akan terlepas dari perkembangan perbankan Nasional dan krisis global yang terjadi. Meskipun progres report bank syariah menunjukkan gejala positif dan terus mengalami kemajuan yang berarti, namun karena keterbatasan ukuran bank syariah yang masih terlalu kecil, masih sulit bagi bank syariah untuk berperan lebih besar dalam perekonomian NasionalDOI: 10.15408/aiq.v1i1.2457

Tantangan dan peluang perbankan syariah dalam menghadapi Masyarakat Ekonomi ASEAN (MEA) 2015

2016

The purpose of this paper is to investigate the opportunities and challenges of Islamic banking in Indonesia in the competition ASEAN Economic Community (AEC) by 2015. The opportunities and challenges of Islamic banking in ASEAN can be solved by cooperation and united not become competitors among Islamic banks with the hard efforts of the Islamic banking Indonesia in the ASEAN Economic Community (AEC). Given the enormous opportunities for developing Islamic banking Indonesia and also to face the challenges for the implementation of the ASEAN Economic Community (AEC), the Indonesian Islamic banking should be able to be facilitators of Islamic banking in ASEAN can work together and unite in carrying out various development strategies.

Prospek Dan Tantangan Perkembangan Reksadana Syariah DI Indonesia

EKSYDA: Jurnal Studi Ekonomi Syariah, 2020

The Islamic economy and finance in Indonesia, which is increasingly developing in a positive direction, is an encouraging matter for the majority of Indonesian people who are Muslim. Conventional economic activities that have been developing have contained elements of speculation and the existence of an interest system that is considered to suffocate the public, including in capital market activities. The development of the capital market in Indonesia currently has a special attraction for investors. However, to be able to invest directly, there are several obstacles faced by investors such as limited knowledge, information and time. One alternative investment instrument that can be a solution to these constraints is Mutual Funds. Islamic mutual funds exist to complement the diversity of existing conventional mutual funds to be an investment choice for investors, not only Muslim investors but investors in general. Islamic mutual funds in Indonesia from 2010-2019 continued to increase both in quality and quantity. However, the development of sharia mutual funds also faces challenges, namely the challenges of applying the sharia principle itself which must be maintained so that sharia mutual funds continue to run in accordance with sharia principles.

Hubungan Antara Lembaga Keuangan Syariah DI Indonesia Periode 2014-2018

2020

This study is to determine the relationship between Islamic financial institutions, both bank and non-bank financial institutions in Indonesia in the 2014-2018 period. This study uses the VAR method to process data. The results of this study are contributions from Islamic-based financial institutions in Indonesia. The Islamic capital market has a positive relationship with Islamic life insurance. This happens because, in developing countries like Indonesia, life insurance is more influential than Islamic general insurance. The relationship that occurs in the Islamic capital market and life insurance occurs because of the role of the insurance company that will buy shares in the Islamic capital market. Then, related to a negative relationship between Islamic banking and Islamic insurance. It is because every credit given by the bank will be charged for insurance. The greater the value of the credit, the higher the contribution paid. This will be considered by those who will take cred...

Industri Keuangan Bank Syariah Nasional Dalam Masyarakat Ekonomi Asean

2016

This paper aims to examine the position of the National Islamic banking in the ASEAN Economic Community. ASEAN Economic Community (AEC) which started in 2015 is a challenge for activists industry sharia economy. Industrial age who are not young, it should be ready to meet the sharia economic industry single market in Southeast Asia in 2015. Islamic banking, which proved resistant to crises, in particular in 1998, became the capital to face free competition in the region. ASEAN Economic Community (AEC) is a certainty that will be faced by the entire people of Indonesia and the need to anticipate that business people Indonesia not just be a spectator but also players who take advantage of the MEA. After going through a SWOT analysis of the current condition of Indonesia is in the Defensive Cells 4. Cell 4 is the most unfavorable situation. Companies facing major environmental threat, interim relatively weak position. This situation clearly requires strategies that fix involvement in p...

Era Fintech: Peluang Dan Tantangan Bagi Ekonomi Syariah

el-Jizya : Jurnal Ekonomi Islam, 2019

Changes in digital technology occur very quickly because of the industrial revolution 4.0. Human behavior has changed in accessing financial services or FinTech. Modern online businesses replace traditional businesses. Indonesia as one of the prima donna to develop FinTech. The Islamic financial industry is more stable and stronger to survive than the conventional financial industry. FinTech sharia opportunities are still wide open because it provides solutions for needs that cannot be served by conventional financial services. The results of the study include: (1) FinTech Sharia is able to realize the transparency of financial activities; (2) creating opportunities for customers both households and businesses to access sharia financial services; (3) providing sharia investment opportunities; (4) fintech has the potential to pose risks to consumers. Recommendation given: Islamic economics is important to answer the challenges of FinTech by issuing products or policies that are in ac...