Tuesday, November 01, 2011

INDONESIA - BANKING - Islamic Banking Product Innovation Slow, Why Yes!

REPUBLIKA.CO.ID, JAKARTA --- Product innovation in Islamic banking is still hampered a number of constraints that come from external and internal bank. Therefore, the government was asked to help overcome these obstacles to the development of Islamic banking in line with conventional banking.

Islamic banking practitioners, Jordhy Kashoogie Nazar reveal the external challenges of product development comes from regulations that are conservative. As a result, Islamic banking products are still monotonous. (source)

"Rules regarding the products, we hope more open anymore because now still conservative, so it can develop innovative Islamic banking," he said on Monday (31/10).

To develop innovative products, Jordhy said Islamic banking need support from the government. Tax incentives from the government is required to suppress the price of the product. "Double tax is gone, but the future of Islamic banking need incentives because it will affect the pricing, business expansion, and stability," he said.

Marketing Islamic products are still domestic market oriented. This limitation was due to foreign banks entered the Islamic banking in the country. "Marketing is now his view Islamic banking products are still the domestic market, so lost with a marketing Malaysia capable of expanding overseas," says the analyst of Islamic banking products.

Inovasi Produk Perbankan Syariah Lamban, Kenapa Ya?

Senin, 31 Oktober 2011 09:45 WIB
REPUBLIKA.CO.ID, JAKARTA---Inovasi produk di perbankan syariah masih terhambat sejumlah kendala yang berasal dari eksternal maupun internal bank. Karena itu, pemerintah diminta untuk membantu mengatasi kendala tersebut agar perkembangan perbankan syariah sejalan dengan perbankan konvensional.

Praktisi perbankan syariah, Jordhy Kashoogie Nazar mengungkapkan tantangan eksternal dari pengembangan produk berasal dari regulasi yang masih konservatif. Akibatnya, produk perbankan syariah masih monoton.
“Aturan mengenai produk, kami harap lebih terbuka lagi karena sekarang masih konservatif, sehingga perbankan syariah bisa mengembangkan inovasi, “ ujar dia, Senin (31/10).

Untuk mengembangkan inovasi produk, Jordhy mengatakan perbankan syariah butuh dukungan dari pemerintah. Insentif pajak dari pemerintah diperlukan untuk menekan harga produk. “Double tax memang sudah tidak ada, tapi ke depan perbankan syariah butuh insentif karena akan berpengaruh pada pricing, ekspansi bisnis, dan stabilitas, “ ungkap dia.

Pemasaran produk perbankan syariah juga masih berorientasi pasar domestik. Hal ini lantaran masih dibatasinya perbankan asing masuk ke perbankan syariah di tanah air. “Pemasaran produk perbankan syariah sekarang pandangannya masih domestik market, makanya kalah dengan Malaysia yang pemasarannya mampu ekspansi ke luar negeri, “ ungkap analis produk perbankan syariah tersebut.

Source : http://www.republika.co.id/berita/syariah/keuangan/11/10/31/ltwsz4-inovasi-produk-perbankan-syariah-lamban-kenapa-ya  - Oct 31, 2011 - google translate

No comments:

Post a Comment