WWW.REPUBLIKA.CO.ID, JAKARTA - The performance of gold in the mortgage finance Sharia Pawnshops on 2011meroket to 80 percent over the previous year. Predicted rise in the gold pledge to continue in the mid to late December 2012.
Of the total outstanding mortgage financing by December 2011, Rp 2.24 trillion, 95 percent is contributed by pawning gold. Mortgage financing of gold during January 2012 were up more than 5 percent compared to December 2011 which reached Rp 950 billion. (source)
Although there is a temporary suspension of gold pawn transactions for customers in the new Islamic bank, Sharia Pawnshops General Manager, Suhardjo, reluctant to call it a trigger for the higher performance. This is because since there is cessation of gold pawn transactions of Islamic banks in mid-December, the rise in mortgage financing gold in Sharia Pawnshops are not significant. "It's hard to connect the two," he said on Tuesday (21/2).
The increase in the performance pledge of gold, valued more greatly influenced people's confidence in investing in gold. As a result, there are still many people who choose to mortgage gold to obtain financing in the Islamic pawnshop. Only five percent in addition to gold pawning goods such as vehicles and electronic goods used by the community.
Gold Pawn on Sharia Pawnshops are not affected transaction restrictions of the Bank Indonesia. Gold mortgage financing ceiling in Islamic banks will be restricted BI is only Rp 250 million. While the Islamic pawnshop, gold ceiling lien financing can be more than that value.
Although able to provide greater funding, the average Suhardjo claimed gold in the mortgage finance Sharia Pawnshops are still in the ceiling of USD 200 million. Communities that will require funding of more than Rp 200 million, must seek approval from the regional office. "We also count the financing outstanding at each branch, can not be dominated by only one customer financing," he said.
In addition, Sharia Pawnshops still apply risk management to anticipate the price of gold. Financing the Sharia Pawnshops set to Value (FTV) or the lien of 90-93 percent. In addition, the maximum mortgage is limited for a period of four months. Only, Sharia Pawnshops still allow liens multilevel (many times).
Kinerja Gadai Emas di Pegadaian Syariah Meroket
Selasa, 21 Pebruari 2012 20:44 WIB
REPUBLIKA.CO.ID, JAKARTA – Kinerja pembiayaan gadai emas di Pegadaian Syariah pada 2011meroket hingga 80 persen dibanding tahun sebelumnya. Kenaikan gadai emas diprediksi masih akan berlanjut pada pertengahan hingga akhir Desember 2012.
Dari total outstanding pembiayaan gadai per Desember 2011, Rp 2,24 triliun, 95 persennya merupakan kontribusi gadai emas. Pembiayaan gadai emas selama Januari 2012 pun naik lebih dari 5 persen dibandingkan Desember 2011 yakni mencapai Rp 950 miliar.
Meski ada penghentian sementara transaksi gadai emas bagi nasabah baru di bank syariah, General Manager Pegadaian Syariah, Suhardjo, enggan menyebut hal itu menjadi pemicu kenaikan kinerja. Hal ini lantaran sejak ada penghentian transaksi gadai emas di bank syariah medio Desember lalu, kenaikan pembiayaan gadai emas di Pegadaian Syariah tidak cukup signifikan. “Sulit menghubungkan keduanya, “ ujar dia, Selasa (21/2).
Kenaikan kinerja gadai emas, dinilai lebih banyak dipengaruhi kepercayaan masyarakat pada investasi emas. Akibatnya, masih banyak masyarakat yang memilih menggadaikan emas untuk mendapatkan pembiayaan di Pegadaian Syariah. Hanya lima persen barang gadai selain emas seperti kendaraan dan barang elektronik yang dipakai masyarakat.
Gadai emas di Pegadaian Syariah tidak terpengaruh adanya pembatasan transaksi dari Bank Indonesia. Plafon pembiayaan gadai emas di bank syariah akan dibatasi BI hanya Rp 250 juta. Sementara di Pegadaian Syariah, plafon pembiayaan gadai emas bisa lebih dari nilai tersebut.
Meski bisa memberi pembiayaan lebih besar, Suhardjo mengaku rata-rata pembiayaan gadai emas di Pegadaian Syariah masih di plafon Rp 200 juta. Masyarakat yang akan meminta pembiayaan lebih dari Rp 200 juta, harus meminta persetujuan kantor wilayah. “Kita juga hitung outstanding pembiayaan di setiap cabang, tidak bisa pembiayaan didominasi hanya satu nasabah, “ ujar dia.
Selain itu, Pegadaian Syariah tetap menerapkan manajemen risiko untuk mengantisipasi harga emas. Pegadaian Syariah menetapkan Financing to Value (FTV) atau nilai gadai sebesar 90-93 persen. Selain itu, maksimal jangka waktu gadai dibatasi selama empat bulan. Hanya saja, Pegadaian Syariah masih mengizinkan gadai bertingkat (berkali-kali).
Source : http://www.republika.co.id/berita/syariah/keuangan/12/02/21/lzqwtl-kinerja-gadai-emas-di-pegadaian-syariah-meroket - Feb 22, 2012
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