Dinamika Pembiayaan Perbankan Syariah Dalam Mengembangkan Dunia Usaha
Abstract
Tulisan ini dimaksudkan untuk menganalisis perkembangan pembiayaan yang telah dijalankan oleh perbankan syariah. Analisis difokuskan pada fluktuasi nilai pembiayaan yang telah berhasil disalurkan berdasarkan jenis penggunaan, sektor usaha, dan akad/skim pembiayaan. Analisis dilakukan pada tingkat makro dan mikro. Analisis makro menggunakan data Direktorat Perbankan Syariah Bank Indonesia, sedangkan analisis mikro berdasarkan pada  studi kasus salah satu bank syariah. Kinerja pembiayaan perbankan syariah, khususnya BUS dan UUS, secara makro cukup menggembirakan. Prestasi ini ditunjukkan oleh tingginya laju ertumbuhan pembiayaan; nilai pembiayaan non lancar masih berada dalam batas aman yang ditetapkan BI dan cenderung semakin kecil pada dua tahun terakhir; dan penyaluran pembiayaan untuk keperluan pembiayaan modal kerja dan investasi yang terus bertambah. Namun demikian, alokasi pembiayaan untuk konsumsi telah mengalami pertumbuhan yang sangat cepat semenjak tahun 2008 sehingga porsi pembiayaan untuk menopang kegiatan produktif mulai mengalami penurunan. Kelemahan lain yang perlu mendapat perhatian adalah skim pembiayaan yang masih dinominasi oleh akad berbasis perdagangan (murabahah), dan masih terkonsentrasinya pembiayaan pada UKM dan sektor jasa.
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References
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