JAKARTA - The sharia banking sector to be calculated are minimal. Therefore, the necessary linkage optimization program with Perkreditan Bank Rakyat Syariah (BPRS) and the Baitul Mal wat Tamwil (BMT), which is closer to the middle to bottom of society, especially farmers. General Chairman of the Sharia Consulting Center, Surahman Hidayat, said the financing scheme that is currently a need for diefektifkan scheme to include the agricultural sector. Indonesia''as a country that is known to make agricultural sector must be extracted this,''said Surahman.For that, he added, need to break in the pattern of distribution to the sector. Such as, the role of the Department of Agriculture as a facilitator who not only provide seed to farmers, but also training on pembiayaan.Menurut Surahman, the availability of funding sharia banking is not a problem too. ''For the performance ability of financial institutions to absorb funding in the sharia should be more optimal,''said Surahman.
Therefore, Surahman said, need to increase linkage programs with microfinance institutions are closer to the rural sector, especially agriculture. At this time, he added, more culture to sharia bank is behind the desk. In fact, according to Surahman, business Sharia bank charged more to go directly to the real sector including agriculture.
Meanwhile, the risk of financing to the agricultural sector, Surahman said that it can disiasati because of the weather cycle is relatively fixed. ''There are no extreme changes can be adjusted so that the planting pattern,''said Surahman. Moreover, to achieve food self-sufficient in the years ago so that makes this sector is quite promising. In addition, the needs of neighboring countries on agricultural products is also high.
Not only agricultural potential, but also animal husbandry. Section, add Surahman, meat demand in Indonesia is still less so that the business opportunity is still open. Indonesia still has a''lands broad enough so that the opportunity is still open,''said data Surahman.Berdasarkan Bank Indonesia publications per November 2008, the portion of financing to the agricultural sector was 3.26 percent, or Rp 1.2 trillion of the total financing Rp 38.5 trillion. Throughout 2008, the financing to the sector is in the range of two to three percent.
Meanwhile, the business unit sharia (UUS) Jabar Bank provided financing to the agricultural sector through two ways, namely with the linkage program BPRS and direct distribution to farmers. In the 2008''UUS Jabar Bank has provided approximately Rp 20 billion for the agricultural sector,''said the Head of Division of Bank Jabar Syariah. Jabar Bank in 2008 in cooperation with the five BPRS in Garut, Serang, Tasikmalaya, Bandung (two BPRS).
However, in this year Rukmana said the plan will not increase the linkage program with the other BPRS. ''We always monitor the development of the BPRS, if we pertahankan akan good,''said Rukmana. This is also done in a similar distribution to the agricultural commodity. In addition to the distribution of power also see that there is liquidity. However, if market conditions in agriculture is good this year, even though third-party funding is reduced, Rukmana says his side will issue Sukuk financing to increase distribution.
Recorded, the total funding was distributed in 2008 to Rp 593 billion. In this year's Bank Jabar UUS growth target of between 20 percent to 30 percent. At the end of the 2008 division record Sharia Bank Jabar assets of Rp 743 billion, DPK Rp 290 billion, and profit before tax Rp 23.3 billion. c67
Financing Agricultural Sector
Republika, 23/1/2009
- 3.26 Percent (Rp 1.2 Trillion)
- Rp 20 billion
Republika, 23/1/2009
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