Bank Syariah Upayakan Peningkatan Pembiayaan Perdagangan

IAEI, JAKARTA -- Pembiayaan perdagangan atau trade finance menjadi salah satu cara bank syariah ekspansi pembiayaan. Tahun 2019 diharapkan akan menjadi momen meningkatkan volume seiring dengan kondisi ekonomi yang lebih rendah tekanan global.

Sekretaris Perusahaan BRI Syariah Indri Tri Handayani menyampaikan penyaluran trade finance di BRIS trennya terus meningkat. "InsyaAllah tahun 2019 dapat terus meningkat, walaupun suku bunga tinggi," kata dia seperti dilansir laman republika.co.id beberapa waktu lalu.

Indri tidak menyebutkan nominal capaian 2018 dan target pada 2019. Meski demikian, menurutnya, BRI Syariah akan menyiasati dengan terus mencari sumber-dana dana berbiaya rendah. Sehingga trade finance BRIS mampu bersaing.

Sementara, Direktur Bisnis BNI Syariah Dhias Widhiyati menyampaikan volume penyaluran trade finance selama tahun 2018 sebesar Rp 3,329 triliun. Naik 17 persen dari tahun sebelumnya.

Sebagian besar disumbang oleh Surat Kredit Berdokumen Dalam Negeri (SKBDN) atau sering disebut LC local. Dhias menyadari tren kenaikan suku bunga memiliki risiko pertumbuhan bisnis."Strategi kami mengatasi ini adalah dengan terus menyosialisasikan diversifikasi produk baru ini dan mengadakan program-program menarik dengan konsep total solusi berbasis syariah," kata dia.

Ia optimistis trade finance bisa memberikan kontribusi signifikan tahun depan. BNI Syariah menargetkan peningkatan pembiayaan trade finance sebesar 20 persen pada 2019.

Selain itu di Bank Syariah Mandiri (Mandiri Syariah), perkembangan trade finance Mandiri tetap meningkat meskipun tantangannya cukup berat. Sekretaris Perusahaan Ahmad Reza mengatakan tahun 2018 volume trade financing Mandiri Syariah sekitar Rp 5,2 triliun.

"Naik lebih dari 30 persen dari tahun sebelumnya," kata dia. Mandiri Syariah sendiri menargetkan peningkatan volume pada tahun 2019 lebih dari 40 persen.

Untuk mensiasati suku bunga tinggi, sejumlah upaya akan dilakukan. Seperti memperbaiki bisnis proses, efisiensi di segala bidang, fokus di sektor industri menarik dan proyek Pemerintah, dan lain-lain.

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