bisnis.com - JAKARTA: Bank Indonesia was asked to issue clear guidelines in the rules of a special risk management of Islamic banks are scheduled to be published in this month.
Imam T. Saptono, Director of Compliance of PT Bank Negara Indonesia Sharia, said two new risks that will be regulated by Bank Indonesia, the equity investment risk and rate of return risk, Islamic banks have experienced since its foundation. However, in avoiding this risk, every Islamic bank to apply a different approach, there is no standardization or clear.(source) "Actually in the calculation of the risk that there is a self assessment of each bank. But since this new risk is introduced then the BI shall issue a guidance standard [guidelines] risk assessment and mitigation," he told Business Today.
Management of risk and equity investment rate of return risk are two additional points special rules for risk management of Islamic banks. During these rules follow the risk management of Islamic banks to conventional banks which includes 8 points, so that later there are 10 points of risk that must be managed by Islamic banks.
Equity investment risk is the risk management for financing with profit-sharing system, which is commonly used in mudharabah and Musharaka.
The financing is there potential for bank funds will be lost if the debtor incurs losses in business, so that there is not the result but for the loss.
While the rate of return risk is a potential risk to the flight of deposits of conventional banks because interest rates are on the market exceeds a given yield of Islamic banks. Although it has never been regulated before, but two risks have been known since 4 years ago through the risk management rules of Islamic Financial Services Board.
According to Imam, for the rate of return risk, some banks have committed to providing mitigation ratio (yield) is attractive when interest rates rise in the market. In addition, some banks also give prizes to lure customers do not move their funds.
"It tended to be reactive. If you want to get out of new customers are given a ratio or a prize draw. If banks have to calculate it from the beginning then it can measure the risk in order to mitigate non-reactive," he said. (Parachute)
Bank Syariah Nantikan Guidance Manajemen Risiko
JAKARTA: Bank Indonesia diminta untuk mengeluarkan petunjuk pelaksanaan
yang jelas dalam aturan manajemen risiko khusus bank syariah yang
rencananya akan diterbitkan pada bulan ini.
Imam T. Saptono, Direktur Kepatuhan PT Bank Negara Indonesia Syariah,
mengatakan dua risiko baru yang akan diatur oleh Bank Indonesia, yakni equity investment risk dan rate of return risk,
telah dialami oleh bank syariah sejak berdiri. Namun, dalam menghindari
risiko tersebut, setiap bank syariah menerapkan pendekatan yang
berbeda, atau belum ada standarisasi yang jelas.
"Sebenarnya dalam penghitungan risiko itu ada self assessment dari
masing-masing bank. Namun karena ini risiko yang baru diperkenalkan maka
BI harus mengeluarkan guidance standard [petunjuk pelaksanaan] penghitungan risiko dan mitigasinya," ujarnya kepada Bisnis hari ini.
Pengelolaan equity investment risk dan rate of return risk
merupakan dua poin tambahan aturan risk management khusus bagi bank
syariah. Selama ini aturan risk management bank syariah mengikuti bank
konvensional yang memuat 8 poin, sehingga nantinya ada 10 poin risiko
yang wajib dikelola oleh bank syariah.
Equity investment risk merupakan pengelolaan risiko bagi pembiayaan
dengan sistem bagi hasil , yang umumnya digunakan pada akad mudharabah
dan musyarakah.
Dalam pembiayaan tersebut ada potensi dana bank akan hilang apabila
debitur mengalami kerugian dalam usaha, sehingga yang terjadi bukan bagi
hasil namun bagi kerugian.
Sementara itu rate of return risk merupakan potensi risiko larinya dana
pihak ketiga ke bank konvensional karena suku bunga yang ada di pasar
melebihi imbal hasil yang diberikan bank syariah. Meskipun belum pernah
diatur sebelumnya, namun dua risiko tersebut telah dikenal sejak 4 tahun
lalu lewat aturan risk management Islamic Financial Services Board.
Menurut Imam, untuk rate of return risk beberapa bank telah melakukan
mitigasi dengan memberikan nisbah (imbal hasil) yang menarik ketika suku
bunga di pasar mengalami kenaikan. Selain itu, sebagian bank juga
memberikan iming-iming hadiah agar nasabah tidak memindahkan dananya.
"Sekarang cenderung reaktif. Kalau nasabah mau keluar baru diberikan
nisbah yang menarik atau hadiah. Kalau bank sudah menghitung itu dari
awal maka bisa mengukur risiko agar tidak reaktif dalam melakukan
mitigasi," ujarnya. (sut)
Source : http://www.bisnis.com/articles/bank-syariah-nantikan-guidance-manajemen-risiko - Oct 21, 2011 - google translate
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