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Performa Perbankan Syariah 2018 Semakin Kuat

Performa Perbankan Syariah 2018 Semakin Kuat

IAEI, JAKARTA -- Pengamat Ekonomi Syariah dari United Nations Development Programme (UNDP), Greget Kalla Buana menggarisbawahi pertumbuhan perbankan syariah secara umum mengalami peningkatan. Sektor terdepan dalam keuangan syariah ini masih memiliki ruang yang sangat luas untuk lebih berkembang. Indonesia adalah rumah bagi 13 persen umat Islam yang ada di dunia dengan potensi 200 juta penduduk Muslim. Meski pangsa pasar perbankan syariah masih berada di kisaran enam persen dari total perbankan nasional, Indonesia berada di urutan kesembilan aset perbankan terbesar secara global menurut Islamic Financial Services Board (IFSB) tahun 2018.
"Secara performa, bank syariah Indonesia tetap bertumbuh dan secara umum mengalami peningkatan," kata lulusan Durham University ini seperti dilansir pada laman republika.co.id, Kamis (7/2).
Berdasarkan Statistik Perbankan Syariah (SPS) Otoritas Jasa Keuangan (OJK) yang terakhir tersedia per November 2018, Capital Adequacy Ratio (CAR) atau rasio kecukupan modal sepanjang tahun 2018 mengalami tren kenaikan. Yakni, dari 18.05 persen di awal tahun menjadi 21,39 persen. "Artinya perbankan syariah secara umum semakin kuat dalam melindungi nasabah dan menjaga stabilitas keuangan secara keseluruhan," kata Greget. Dibandingkan tahun 2017 yang masih berada di kisaran 16 persen. Perlu diketahui bahwa batas aman CAR adalah delapan persen.
Return on Assets (ROA) atau rasio kemampuan perbankan dalam menghasilkan profit untuk melihat efektivitas perbankan dalam menghasilkan pendapatan pada tahun 2018 juga nyaris dua kali lipat dari tahun sebelumnya. Yakni, dari 0,73 menjadi 1,26 persen.
Non Performing Financing (NPF) atau penilaian terhadap pembiayaan bermasalah perbankan syariah di awal tahun melampaui batas maksimum lima persen sedangkan per November 2018, NPF bank syariah berada di angka 3,93 persen. "NPF ini terkait erat dengan kondisi sektor riil yang menghadapi berbagai tekanan atau ketidakpastian. Artinya, NPF yang relatif rendah ini patut diapresiasi," katanya.
Sekadar informasi, per kuartal empat 2018 jumlah Bank Umum Syariah (BUS) sebanyak 14 bank dari yang sebelumnya 13 bank. Perbankan syariah bisa dikatakan cukup berhati-hati dalam menyalurkan pembiayaan pada masyarakat. Greget menyampaikan agar bank syariah terus bertumbuh perlu adanya stimulus inklusi dan literasi sehingga meningkatkan preferensi masyarakat terhadap bank syariah. Beberapa hal yang bisa diupayakan, antara lain sebagaimana dipaparkan dalam Roadmap Perbankan Syariah Indonesia (RPSI), yakni keragaman produk dan kualitas layanan.
Selain itu, pemanfaatan teknologi menjadi salah satu strategi mengingat populasi milenial yang semakin bertambah dan akan mendominasi dalam beberapa tahun ke depan. Mereka yang terlahir sebagai digital natives atau technoholics tentu akan lebih memilih digital banking.

(Sumber: https://www.iaei-pusat.org/news/opini/performa-perbankan-syariah-2018-semakin-kuat?language=id )


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