POTENSI DAN STRATEGI PENGEMBANGAN BANK SYARIAH DI INDONESIA
Abstract: At the present,
Indonesia operate dual banking system that are conventional banking system with
its interest rate runs side by side with the Islamic banking with the
profit-sharing/non-interest system of its own.
The development of Islamic banking should be based on market driven by
driving the community demand that always considering the banking prudential
principle. The development of Islamic
bank will encourage the development of real sector as well because the basis of
profit-sharing system is the activities of real sector, not from investment of
other sector (non real sector), case in point the rate of obligation and/or the
rate of Certificate of Central Bank. In
general, community’ s respond toward Islamic bank is good relatively that shown
by the trend of Third Parties Funding and Financing to Deposit Ratio with low
level of Non Performing Loan. This study assess the consumer’s preference
toward both conventional and Islamic Banking, in related with analysis of
potency and development strategy of Islamic banking in Indonesia. The analysis
of data by using qualitatively (descriptive) analysis, cross tabulation and
logistic regression model. In general,
community’s attitude toward interest rate system still ambiguous, that are
interest rate is contrary to ‘syariah of Islam‘, meanwhile in banking
transaction they still use conventional system.
The reasons that motivate consumer to adopt Islamic banking related to
professionalism of bank, security and pleasure in doing transaction, strategic
location and the implementation of syariah system. However, community still has difficulties to
comprehend the technical term of Islamic banking. Thus, socialization and education process
about economic system of Islam (syariah economic) designate necessary requirement
in encourage the development of Islamic banking in the future.
Penulis: Anny Ratnawati
Kode Jurnal: jpmanajemendd050020
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