Indonesia is a developing country, but the biggest supporters of this nation's economy is on the small business sector, micro and medium (MSMEs) but it seems the government does not see and less concerned with the sector. campaign so much effort in this sector and improve the program - poverty reduction program based MSMEs, but the campaign is just a campaign, which was then fade and disappear after the economic climate began to change.
Communities themselves as less concerned with the government programs and thus seemed to take advantage of the opportunity that is too narrow, in the members and program participants only to get a capital injection and then fled without paying with a variety of reasons. This is because of the government it self is not and has not been able to control this sector.
In 1998 when the dash Indonesian monetary crisis, the banking sector was down so many banks have liquidation and put into the Badan Penyehatan Perbankan Nasional (BPPN). Another case with Banks and financial institutions in the small business sector, micro and medium (MSMEs) and the Bank also focused on such as BRI Micro Banking, BPR and Koperasi. Even if the financial crisis they jump and stand still does not feel as if they even still wash benefits.
In 2004 when the Bank Danamon enter this segment through the micro banking Danamon Simpan Pinjam (DSP) of the many business and banking pessimistic on the ability of DSP to be able survive more than 3 years. However, after 3 years running, input and assumptions have been changed 180 º by Djemi Suhenda, not only able to survive but the DSP has been developing rapidly over 15% market share and Micro Banking UMKM main competitor was the most frightening BRI throughout history.
How does not, the DSP is in the loan ceiling to the customer so many BRI customers moving into the DSP customers, in addition to the BRI never predict the strength of DSP will be developed so rapidly become competitors in the micro sector.
The most interesting for investors, of course, profit and profit ... Look how much profit in the illicit BRI's microfinance sector and also the segment of the Danamon for Segment DSP. The profit before tax (Net Performance Before Tax) is arouse investor. This is due in 1 year a branch micro banking can provide benefits before tax up to 1 billion. If we can imagine the amount of more than 500 branches then we can also count the all benefits.
In fact, many branches of benefit or profit is 1 billion after the consolidation process and also charged after tax (NPAT = Net Performance After Tax). Do you interesting to invest ....
Monday, March 23, 2009
Micro banking, who and how
Micro Banking is a business segment of the banking sector to serve more small business market, micro and medium (MSMEs), the opportunity is still very big on this segment to make foreign and local investors are interested to be able to enter and compete in order to benefit most from the sector.
Micro Banking in Indonesia is dominated by one of the government, namely the Bank of Bank Rakyat Indonesia (BRI) of the market sector MSMEs ± 30%, ± 5% followed by some of the BPR, Koperasi and Baitul Malwat Tanwil (BMT). So long ± 65% market share MSMEs sector does not doing with maximum by private or government.
Some of the Bank of the Government and the private sector has been trying to enter the market, but the trip when the constraints, they fail as Bank Mandiri, BNI and Bank Danamon. Then in 2004 one of the private banks namely Bank Danamon try again to enter this market. Danamon launched Micro Banking Segment with the name Danamon Simpan Pinjam, or better known as the DSP in the community, led by Djemi Suhenda.
Year 2008, the pop - new players in micro banking sector, among others Bank Mega with Mega Mitra Syariah (M2S), Bank Panin, Bank BTPN and several other banks. Including Bank Mandiri, also start again on Micro banking sector. Not only that, many players who will participate in the world such as Micro Banking like CIMB Niaga and more ...we wait ....
Wednesday, March 4, 2009
Islamic Economic Not only Sharia Bank
Phenomenon sharia banking in Indonesia and other financial institutions have sharia deliver understanding of the Muslims of Indonesia in the Islamic economic institutions. Known before the sharia banking institutions, the knowledge of the problem is still shaped theoretical study on the implementation of the economic possibilities exist in the Islamic financial institutions. Questions that arise is how the model of Islamic economic institutions? In what form of Islam that institutional economics? Row and many questions relating to the financial institution that sharia essentially ask whether the possible economic institution Islam in a modern financial institution, such as banking or other financial institutions?
The answer is possible and can, even though the reality we charged through the process of Islamization of the way many modern financial institutions that its findings is the result of the capitalist West-and the vehicle for them to successfully realize the ideals of a global economic empire. Islamization is a choice selection of the "bitter pill" because we have seen can not find the institution of sharia finance exactly the genuine from the Al-Quran and As-Sunnah. As a result, we will follow a little more with the model of financial institutions that offered by the Western-capitalist, and even seemed to find the slit does not sink to the condition which is considered not in accordance with Islamic sharia.
In some cases the emergence of financial institutions in Indonesia such sharia’s banking has an important meaning for the economic development of Islam in the future. The emergence of sharia financial institutions in Indonesia at this time is a phase of economic boom in Islamic institutions. Many sharia banking, insurance and sharia financial institutions bringing name appear like mushrooms sharia in the rainy season. In fact, there is an assumption that does not follow up a sharia financial institutions or at least open the way to the business unit is considered not to follow sharia trend of the present and will be left by Muslims and not acknowledged islamic in economy.
However, note that our awareness is the understanding that a akan economic Islam is not only monopolized by the sharia banking, cooperative financial institution, or sharia finance’s other. This is because the paradigm is while people still assume that when talking about the economy directly orientasinya Islam is to the existence of financial institutions that sharia manifestation exist in banking or insurances sharia. Essentially, economics is the Islamic banking and sharia insurances. Paradigm that is not all wrong, but there needs to be straightened in it. That the economy is not only Islamic banking and sharia insurances. Instead, banking and insurances sharia flakes is a small economy of the Islamic financial institutions in sharia.
More broadly, the economic understanding of Islam is from the teachings of Islam itself from the Al-Quran and As-Sunnah. Many paragraph Al-Quran and As-Sunnah that has been providing guidance to us to make economic activities. At the micro level, economic activity Islam can also be applied to the life of the household. Basic principles in Islamic economics to build a foundation in life and settle down in order to meet the needs of family life. Teachings about living a simple and not over-apply and not wasteful is a small part of Islamic teachings that contain the economy. On the other hand, the principle of life that provides guidelines on the teachings of "Fast is better than the debt" is a reflection of the economic value of Islam.
In the picture above the two can complement each other. First, the implementation of Islamic economics in the macro-level institutional model with sharia banking and other financial institutions sharia as a reference implementation. Second, the implementation of Islamic economics in the micro-level family in a way on economic values of the Al-Quran and As-Sunnah to be implemented in the life of him, and form. If both are running simultaneously means that the coverage on the micro and macro scale can be realized in a real implementation. The problem now is how to measure the level of involvement of Muslims in implementing the economic values of Islam in the Al-Quran and As-Sunnah in the micro-family level or the macro-institutional arrangements. A great job and a challenging project if the research was serious about it. Currently, there is no clear picture about the "map" the involvement of Muslims in Indonesia the Islamic sharia is empty on economic behavior.
Reality in our society, Indonesian Muslims have to give serious attention to the consistency in implementing the teachings of Islam even though still not perfect. Special problems in the economy, the practice of simple life and not excessive scenes that have become typical in the life of Indonesian society, especially in rural areas. They recruit their lives with the natural wealth of the surrounding environment. Not excessive if they show as a family living in homely and feel a quiet life with the way with other people. Atmosphere such as this life was built on the basis of the awareness to find Ridha Allah SWT. oriented and always to pursue the gift that has been previously prepared by Allah SWT. for the nature of human life in this world. Portrait of life as mentioned above is one of the serpihan economy of the implementation of Islamic teachings that have been institution to him in life and form.
On the other hand, the value of moral teachings for containing the "fast of the debt" is a flakes of behavior in implementing the teachings of Islam that have economic importance to the fulfillment of him, and form a state. Moral teachings are very simple and simple but have great implications for human life both at the micro scale and on the macro scale. Implementation of the teachings to "fast from the debt" contains implicit value that we always put the spirit and the spirit of self is based on strength alone does not hang out with other people in power with the help and expect help if when a lack of economic experience. Moral values is to provide lessons for us all to be in the condition where we lack economic experience, to get "fast" is something better than we have to "owe" to the other party. In the cases such as this, short of the needs of our economy is put in a certain limit with how to run fast and try to explore with the lack of trying entrepreneurship, either through their own efforts or with the work of others.
Perception that is not true at all of this tradition is "debt" has become something of glory, has even become a trend for the new model of development that are encouraged in this Republic. Not only private sector employers who have less well this tradition, but the government itself provides an example regarding the vulgar practice of debt to some donor countries. Data each year in income and expenditure account the state ensure that from the help (read: debt) overseas. This illustrates that the economy can not at this time of winding throw away foreign debt. A description of the population live financed from debt. Very tragic and grievous. This issue will unravel if there is a courage of shareholder and stockholder of this country to take the decision to take "fast" with both government and residents. It is time for us now is "fast" and not with the "debt" in the future based on the ability and strength in the country. Therefore the delivery of necessary information to a broad community to get "fast" rather than "debt". When you need to have a national movement as a whole fasting together the elements of the nation. If this is done, the economic value flakes Islamic moral can be implemented in real life.
***
Reality on the need to realize that with the Islamic economy have a broad scope, not just the macro-scale model of the banking institution with sharia, or cooperative insurances sharia, but the further implementation of the Islamic economy can be done through awareness of the behavior of individuals in the family to implement the teachings of Islam kaffah, especially related to economic values. Islamic economics can growing of family environment with the way the teachings of Islam itself. This is a point that diferent between the Islamic economic concept with the conventional economic concept, both capitalist and socialist. In the teachings of Islam, Islamic economics in the conduct of daily life have a meaning also run Islam itself, because the source was made in implementing the economic basis of Islam is the religion of Islam with the Al-Quran and As-Sunnah as the primary reference. Economy is in the conventional (read: capitalist and socialist) are release moral values and does not have any references that such economic authentic Islam. Wallahu 'natural shawab bus.
Article AM. Hasan Ali, MA. (Staff Pengkaji PKES) in www.pkesinteraktif.com
The answer is possible and can, even though the reality we charged through the process of Islamization of the way many modern financial institutions that its findings is the result of the capitalist West-and the vehicle for them to successfully realize the ideals of a global economic empire. Islamization is a choice selection of the "bitter pill" because we have seen can not find the institution of sharia finance exactly the genuine from the Al-Quran and As-Sunnah. As a result, we will follow a little more with the model of financial institutions that offered by the Western-capitalist, and even seemed to find the slit does not sink to the condition which is considered not in accordance with Islamic sharia.
In some cases the emergence of financial institutions in Indonesia such sharia’s banking has an important meaning for the economic development of Islam in the future. The emergence of sharia financial institutions in Indonesia at this time is a phase of economic boom in Islamic institutions. Many sharia banking, insurance and sharia financial institutions bringing name appear like mushrooms sharia in the rainy season. In fact, there is an assumption that does not follow up a sharia financial institutions or at least open the way to the business unit is considered not to follow sharia trend of the present and will be left by Muslims and not acknowledged islamic in economy.
However, note that our awareness is the understanding that a akan economic Islam is not only monopolized by the sharia banking, cooperative financial institution, or sharia finance’s other. This is because the paradigm is while people still assume that when talking about the economy directly orientasinya Islam is to the existence of financial institutions that sharia manifestation exist in banking or insurances sharia. Essentially, economics is the Islamic banking and sharia insurances. Paradigm that is not all wrong, but there needs to be straightened in it. That the economy is not only Islamic banking and sharia insurances. Instead, banking and insurances sharia flakes is a small economy of the Islamic financial institutions in sharia.
More broadly, the economic understanding of Islam is from the teachings of Islam itself from the Al-Quran and As-Sunnah. Many paragraph Al-Quran and As-Sunnah that has been providing guidance to us to make economic activities. At the micro level, economic activity Islam can also be applied to the life of the household. Basic principles in Islamic economics to build a foundation in life and settle down in order to meet the needs of family life. Teachings about living a simple and not over-apply and not wasteful is a small part of Islamic teachings that contain the economy. On the other hand, the principle of life that provides guidelines on the teachings of "Fast is better than the debt" is a reflection of the economic value of Islam.
In the picture above the two can complement each other. First, the implementation of Islamic economics in the macro-level institutional model with sharia banking and other financial institutions sharia as a reference implementation. Second, the implementation of Islamic economics in the micro-level family in a way on economic values of the Al-Quran and As-Sunnah to be implemented in the life of him, and form. If both are running simultaneously means that the coverage on the micro and macro scale can be realized in a real implementation. The problem now is how to measure the level of involvement of Muslims in implementing the economic values of Islam in the Al-Quran and As-Sunnah in the micro-family level or the macro-institutional arrangements. A great job and a challenging project if the research was serious about it. Currently, there is no clear picture about the "map" the involvement of Muslims in Indonesia the Islamic sharia is empty on economic behavior.
Reality in our society, Indonesian Muslims have to give serious attention to the consistency in implementing the teachings of Islam even though still not perfect. Special problems in the economy, the practice of simple life and not excessive scenes that have become typical in the life of Indonesian society, especially in rural areas. They recruit their lives with the natural wealth of the surrounding environment. Not excessive if they show as a family living in homely and feel a quiet life with the way with other people. Atmosphere such as this life was built on the basis of the awareness to find Ridha Allah SWT. oriented and always to pursue the gift that has been previously prepared by Allah SWT. for the nature of human life in this world. Portrait of life as mentioned above is one of the serpihan economy of the implementation of Islamic teachings that have been institution to him in life and form.
On the other hand, the value of moral teachings for containing the "fast of the debt" is a flakes of behavior in implementing the teachings of Islam that have economic importance to the fulfillment of him, and form a state. Moral teachings are very simple and simple but have great implications for human life both at the micro scale and on the macro scale. Implementation of the teachings to "fast from the debt" contains implicit value that we always put the spirit and the spirit of self is based on strength alone does not hang out with other people in power with the help and expect help if when a lack of economic experience. Moral values is to provide lessons for us all to be in the condition where we lack economic experience, to get "fast" is something better than we have to "owe" to the other party. In the cases such as this, short of the needs of our economy is put in a certain limit with how to run fast and try to explore with the lack of trying entrepreneurship, either through their own efforts or with the work of others.
Perception that is not true at all of this tradition is "debt" has become something of glory, has even become a trend for the new model of development that are encouraged in this Republic. Not only private sector employers who have less well this tradition, but the government itself provides an example regarding the vulgar practice of debt to some donor countries. Data each year in income and expenditure account the state ensure that from the help (read: debt) overseas. This illustrates that the economy can not at this time of winding throw away foreign debt. A description of the population live financed from debt. Very tragic and grievous. This issue will unravel if there is a courage of shareholder and stockholder of this country to take the decision to take "fast" with both government and residents. It is time for us now is "fast" and not with the "debt" in the future based on the ability and strength in the country. Therefore the delivery of necessary information to a broad community to get "fast" rather than "debt". When you need to have a national movement as a whole fasting together the elements of the nation. If this is done, the economic value flakes Islamic moral can be implemented in real life.
***
Reality on the need to realize that with the Islamic economy have a broad scope, not just the macro-scale model of the banking institution with sharia, or cooperative insurances sharia, but the further implementation of the Islamic economy can be done through awareness of the behavior of individuals in the family to implement the teachings of Islam kaffah, especially related to economic values. Islamic economics can growing of family environment with the way the teachings of Islam itself. This is a point that diferent between the Islamic economic concept with the conventional economic concept, both capitalist and socialist. In the teachings of Islam, Islamic economics in the conduct of daily life have a meaning also run Islam itself, because the source was made in implementing the economic basis of Islam is the religion of Islam with the Al-Quran and As-Sunnah as the primary reference. Economy is in the conventional (read: capitalist and socialist) are release moral values and does not have any references that such economic authentic Islam. Wallahu 'natural shawab bus.
Article AM. Hasan Ali, MA. (Staff Pengkaji PKES) in www.pkesinteraktif.com
Subscribe to:
Posts (Atom)
