INDONESIA - BANKING - CIMB Niaga Shariah Mortgage Grows 80%

Jakarta (21 / 9) - Although still relatively new business, Housing Loan (mortgage) of CIMB Niaga Syariah has reached Rp 400 billion. Value showed a very significant growth, where Sharia mortgages grew by 80 percent.

"The growth of Sharia mortgages larger than the conventional growth was 23 percent. , "Said Head of Consumer Lending Bank Niaga, Laksmi Mustikaningrat when met on Tuesday (20 / 9) afternoon. (source)

To date, active Sharia mortgages sold in the branch offices of the office of Sharia (Sharia) CIMB Niaga. Meanwhile, through office channeling in the conventional branch offices are still not done.

According to Lakshmi, the Sharia has not been actively selling mortgages through office channeling because it's still conventional educate workers to market the product. The reason is, there are terms like sharia covenants of course different from the conventional procedure.

"The challenge is to get there (educational), but public interest in this product is still high," he said.

Islamic mortgage product itself using murabaha contract, namely the financing agreement with the principle of selling goods to declare a bank acquisition cost plus the profit (margin) as agreed.

KPR Syariah CIMB Niaga Tumbuh 80 %

Wednesday, 21 September 2011 12:48 Zarkasih

Jakarta, (21/9)-  Meskipun masih tergolong bisnis baru, Kredit Kepemilikan Rumah (KPR) Syariah yang dimiliki CIMB Niaga telah mencapai Rp 400 miliar. Nilai tersebut  memperlihatkan pertumbuhan yang sangat signifikan, dimana KPR Syariah itu tumbuh hingga 80 persen.

“Secara growth KPR Syariah lebih besar dibandingkan  konvensional yang growth-nya 23 persen. ,” ujar Head of Consumer Lending CIMB Niaga, Laksmi Mustikaningrat saat ditemui, Selasa (20/9) sore.

Untuk saat ini, KPR Syariah  aktif terjual di kantor-kantor cabang Syariah yaitu kantor (Unit Usaha Syariah) CIMB Niaga. Sedangkan melalui office chaneling di kantor cabang konvensional masih belum terlaksana.

Menurut Laksmi, belum aktifnya penjualan KPR Syariah melalui office chaneling dikarenakan pihaknya  masih mengedukasi kepada para pekerja konvensional untuk memasarkan produk tersebut. Pasalnya, terdapat istilah-istilah syariah seperti akad yang tentunya berbeda dengan tata cara konvensional.

“Tantangannya ke arah sana (edukasi), tapi minat masyarakat terhadap produk ini masih tinggi,” tandasnya.

Produk KPR Syariah ini sendiri menggunakan akad murabahah, yaitu perjanjian pembiayaan dengan prinsip jual beli barang dengan menyatakan harga perolehan bank ditambah dengan keuntungan (margin) yang disepakati.

Source : http://www.pkesinteraktif.com/berita/bank/2901-kpr-syariah-cimb-niaga-tumbuh-80-.html  - Sept 21, 2011 - google translate