Jakarta, (25/11) - Sharia Rural Bank (SRB) is still considered difficult to compete with conventional BPR. Lack of synergy between the SRB with the Islamic Bank is one factor. "Spirit should unite owned by Islamic banking. Including the spirit of cooperation with the SRB, "said Riawan Amin, Chairman of the Association of Islamic Bank Indonesia in Jakarta, Wednesday (23/11).
He expressed the spirit of cooperation that can be applied in a linked program between Islamic banks with SRB. Islamic banks should be able to empower the SRB to the fullest. (source)
He expressed the spirit of cooperation that can be applied in a linked program between Islamic banks with SRB. Islamic banks should be able to empower the SRB to the fullest. (source)
"For this we linked programs that emphasize only on the financing. We must go much further to linked funding is therefore important to have the Apex Bank or Apex IT Company, "he explained.
For today is the development of BPR in being aggressively implemented Conventional apex bank (parent bank). Some of the Regional Development Banks (BPD) was appointed as an apex bank for rural banks. This is done to maximize the credit on BPR conducted rill sector.
While on the SRB, Riawan assess the presence of Apex Apex Company is more necessary than the Bank. With Apex Company has the SRB joint IT systems, joint training and joint product development. So that SRB have a wider network, which would enhance competitiveness.
"Apex Company can be a bridge between the SRB, SRB and which banks are willing linked with SRB. So there must be a monopoly bank, "he said.
Tingkatkan Daya Saing, BPRS Harus Memiliki Apex Company
Jakarta, (25/11)- Bank Perkreditan Rakyat Syariah (BPRS) dinilai masih sulit bersaing dengan BPR konvensional. Kurang adanya sinergi antara BPRS dengan Bank Syariah adalah salah satu faktornya. “Spirit bersatu harus dimilki oleh perbankan syariah. Termasuk spirit bekerjasama dengan BPRS,” ujar Riawan Amin, Ketua Asosiasi Bank Syariah Indonesia di Jakarta, Rabu (23/11).Ia mengungkapkan spirit bekerjasama tersebut bisa diaplikasikan dalam linked program antara bank syariah dengan BPRS. Bank syariah seharusnya dapat memberdayakan BPRS secara maksimal.
“Selama ini linked program yang kita tekankan hanya pada pembiayaan. Kita harus pergi jauh lagi kepada linked pendanaan oleh karena itu penting adanya Apex Bank atau Apex IT Company,” paparnya.
Untuk saat ini memang pengembangan BPR di kovensional sedang gencar menerapkan bank apex (bank induk). Beberapa Bank Pembangunan Daerah (BPD) ditunjuk sebagai bank apex bagi BPR. Hal tersebut dilakukan untuk memaksimalkan kredit pada sektor rill yang dilakukan BPR.
Sedangkan pada BPRS, Riawan menilai adanya Apex Company lebih dibutuhkan dibandingkan Apex Bank. Dengan Apex Company maka BPRS mempunyai sistem IT bersama, pelatihan bersama, dan pengembangan produk bersama. Sehingga BPRS mempunyai jaringan yang lebih luas, yang tentunya akan meningkatkan daya saing.
“Apex Company bisa menjadi jembatan antara BPRS-BPRS dan bank mana saja yang mau linked dengan BPRS. Jadi tak harus satu bank memonopoli,”tandasnya.
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