www.VIVAnews.com - In the midst of mortgage business that made gold the rapidly growing Islamic bank, Bank Muamalat just not interested in offering mortgage products gold. Director of Bank Muamalat, Arviyan Arifin, assess the gold pawning business more toward the speculative.
"We have no gold pawn. Reason is that hard to make a deal. We do not have that skill, because they want to actually run the Islamic banking principles," he said on the sidelines of the inauguration Arviyan 9 Muamalat new office in Palembang, Thursday, January 12, 2012.
Director of Retail Bank Muamalat, Adrian A Gunadi, adding, the product of gold pawning some speculative elements. This is a consideration, given the pledge of gold operations risks are quite high. (source)

Addition, Adrian went on, more interested Mualamat Bank and establish cooperation in other sectors such as finance houses. Mortgages (mortgage) Muamalat named 'Residential Sharia' has a share of 20 per cent of total financing. Islamic banks targeting the middle class and to approach developers in mortgage lending.
As is known, the BI will issue circulars related pawn gold Islamic banks do end in January 2012. Circular was one of them discussed the amount of credit to the value of goods (loan to value / LTV).
BI will also provide guidance to the eighth letter of the Islamic banking products pawning gold. In a letter of guidance that Islamic banks are required to make adjustments according to the rules set. The letter also contains guidance for the acquisition of new customers pawning gold was suspended, until adjustments are made.
Gold mortgage business grew very rapidly. Based on data as of December 2010, recorded lien financing of gold reached Rp1, 8 trillion. Meanwhile, in September 2011 reached Rp 6, 1 trillion or an increase of 238.88 per cent (year to date). (Art)

Bank Muamalat Tak Tertarik Bisnis Gadai Emas

Dalam produk gadai emas ada beberapa unsur spekulatif.

Kamis, 12 Januari 2012, 16:46 WIB

Nur Farida Ahniar, Nina Rahayu

Bank Muamalat (atestate.org)

VIVAnews - Di tengah bisnis gadai emas yang dilakukan bank syariah tumbuh pesat, Bank Muamalat justru belum tertarik menawarkan produk gadai emas. Direktur Utama Bank Muamalat, Arviyan Arifin, menilai bisnis gadai emas itu lebih ke arah spekulatif.

"Kami tidak ada gadai emas. Alasannya karena sulit sekali melakukan transaksi. Kami tidak punya keahlian itu, karena ingin benar-benar menjalankan prinsip perbankan syariah," kata Arviyan di sela peresmian 9 kantor baru Bank Muamalat di Palembang, Kamis 12 Januari 2012.

Direktur Ritel Bank Muamalat, Adrian A Gunadi, menambahkan, dalam produk gadai emas ada beberapa unsur spekulatif. Hal inilah yang menjadi pertimbangan, mengingat risiko operasional gadai emas yang cukup tinggi.

Selain itu, Adrian melanjutkan, Bank Mualamat lebih tertarik dan menjalin kerja sama di sektor lain seperti pembiayaan rumah. Kredit pemilikan rumah (KPR) Bank Muamalat yang bernama 'Hunian Syariah' itu memiliki porsi 20 persen dari total pembiayaan. Bank syariah membidik kelas menengah dan menggandeng developer dalam penyaluran kredit KPR.

Seperti diketahui, BI akan menerbitkan surat edaran terkait gadai emas yang dilakukan bank syariah akhir Januari 2012. Surat edaran itu salah satunya membahas mengenai besaran pemberian kredit terhadap nilai barang (loan to value/LTV).

BI juga akan memberikan surat pembinaan kepada 8 perbankan syariah mengenai produk gadai emas. Dalam surat pembinaan itu bank syariah diminta untuk melakukan penyesuaian sesuai aturan yang ditetapkan. Dalam surat pembinaan itu juga berisi agar akuisisi nasabah gadai emas baru dihentikan sementara, hingga penyesuaian sudah dilakukan.

Bisnis gadai emas tumbuh sangat pesat. Berdasarkan data per Desember 2010, tercatat pembiayaan gadai emas mencapai Rp1,8 triliun. Sementara itu, pada September 2011 sudah mencapai Rp6,1 triliun atau tumbuh 238,88 persen (year to date). (art)

Source: http://bisnis.vivanews.com/news/read/279536-bank-muamalat-tak-tertarik-bisnis-gadai-emas - Jan 12, 2012 - google translate