www.kontan.co.id - JAKARTA. Islamic finance company's business concept of profit after finance ministers enforcement of regulations (PMK) about the deposit or down payment (DP) of motor vehicle loans at finance companies two weeks ago. Customer loans are increasingly interested in taking a motor vehicle through a scheme based on Islamic law, because the DP is more expensive than the conventional multi.
Al Ijarah Indonesia Finance (ALIF) for example, closing a fantastic jump in performance in June. Amount of financing in June 2012 reached Rp 130 billion, growing at about 85% over the same period last year. Of that amount, 60% came from the motorcycle. Hoist the total amount of financing that it has reached Rp 1 trillion in May 2012. "After the DP rule applies, our financing grew 38% every day," said Efrinal Sinaga, Director of Al-Ijarah, last week. (source)

This is because many people who are unable to provide the down payment according to the rules of DP, which is 20% -25%. Meanwhile, the amount of down payment on ALIF just 10% -20%. Alif management believes will be the idol of Islamic finance community. Until the second half of 2012, customers will grow 50% Alif. Until the end of June, total customer Alif has reached 40,000 and the end of the year could reach 60,000 accounts.
Islamic financing schemes to support continued to grow, the management of Al-Ijarah is ready to add 23 new service office in Java, Sumatra, Kalimantan and Sulawesi in the second half of this. No lag, strengthening infrastructure, the IT services in support of sharia.
More recently, Al Ijarah in cooperation with the Bank Permata for bill payment facility vehicles with a virtual account. Through this facility, the debtor can pay the mortgage ALIF vehicles through a network of customer service in the Jewel Bank.
Suhartono, Director of Federal International Finance (FIF), describes the natural multi-Islamic financing moncer. So far, there are about 50% of customers who pay DP motorcycles less than 10%. The Customer is bound to take the automotive financing through Islamic services appropriate financial capability.
However Suhartono admitted, has not been able to calculate the surge of Islamic finance in the company. Certainly, FIF target contribution of Islamic finance as 20% of total loans.

Pasca aturan DP, pembiayaan syariah merekah

Oleh Mona Tobing - Senin, 02 Juli 2012 | 08:44 WIB

JAKARTA. Bisnis perusahaan pembiayaan berkonsep syariah untung besar pasca pemberlakuan peraturan menteri keuangan (PMK) soal uang muka atau down payment (DP) kredit kendaraan bermotor di perusahaan pembiayaan dua minggu lalu. Nasabah semakin tertarik mengambil kredit kendaraan bermotor melalui skema berlandaskan hukum Islam itu, karena DP yang lebih murah dibandingkan di multifinance konvensional.

Al Ijarah Finance Indonesia (ALIF) misalnya, menutup kinerja bulan Juni lonjakan fantastis. Jumlah pembiayaan pada Juni 2012 mencapai Rp 130 miliar, tumbuh sekitar 85% dibandingkan periode sama tahun lalu. Dari jumlah itu, 60% berasal dari sepeda motor. Jumlah itu mengerek total pembiayaan yang telah mencapai Rp 1 triliun pada Mei 2012. "Setelah aturan DP berlaku, pembiayaan kami tumbuh 38% setiap hari," kata Efrinal Sinaga, Direktur Al Ijarah, pekan lalu.

Hal ini karena banyak masyarakat yang tidak mampu menyediakan uang muka sesuai aturan DP, yakni 20%-25%. Sementara, besaran uang muka di ALIF cukup 10%-20%. Manajemen Alif yakin, pembiayaan syariah bakal menjadi idola masyarakat. Hingga semester II 2012, nasabah Alif bakal tumbuh 50%. Sampai akhir Juni ini, total nasabah Alif telah mencapai 40.000 dan sampai akhir tahun bisa mencapai 60.000 akun.

Demi mendukung skema pembiayaan syariah tetap tumbuh, manajemen Al-Ijarah siap menambah 23 kantor pelayanan baru di Jawa, Sumatra, Kalimantan dan Sulawesi pada semester II ini. Tidak ketinggalan, penguatan infrastruktur, yakni TI demi mendukung pelayanan syariah.

Baru-baru ini, Al Ijarah bekerjasama dengan Bank Permata untuk pembayaran tagihan kendaraan dengan fasilitas virtual account. Melalui fasilitas ini, debitur ALIF dapat membayar cicilan kendaraan melalui jaringan pelayanan nasabah di Permata Bank.

Suhartono, Direktur Utama Federal International Finance (FIF), menjelaskan wajar jika pembiayaan multifinance syariah moncer. Selama ini, ada sekitar 50% nasabah yang membayarkan DP sepeda motor kurang dari 10%. Nasabah itu pasti akan mengambil pembiayaan kendaraan bermotor melalui layanan syariah yang sesuai kemampuan keuangan mereka.

Namun Suhartono mengaku, belum bisa menghitung lonjakan pembiayaan syariah di perusahaannya. Pastinya, FIF menargetkan kontribusi pembiayaan syariah mencapai 20% dari total kredit.

Source: http://keuangan.kontan.co.id/news/pasca-aturan-dp-pembiayaan-syariah-merekah/2012/07/02 - July 2, 202 - google translate