JAKARTA - The sharia banking productive at this time more focused on the sector of small and. However, consumer financing in the property is quite promising in the midst of global financial crisis conditions.According to the Director MC Consulting, Wahyu Dwi Agung. financing in the property sector will remain and grow in an increase this year. The property is the main tool for the investment community. Besides financing the property rather restrained in the final quarter of 2008 to make the distribution in the sector this year will be an increase compared to year ago.
''By the end of this year's growth of the property can be more or less about 20 percent,''said the Rev. Republika, last week.
By the end of the first quarter of this year, financing is still done with caution. According to Revelation, will begin to define the banking-sector financing options and the financing in March.
After the bank''will begin in March because of the realization of the bank may not keep funds in the form of a certificate in the BI time,''said Wahyu. That in addition to financing the local industry, the secure distribution of the property sector is on the market that has enough resistance to the crisis.
However, after the economic crisis had passed, the words of Revelation, which the bank syariah and aggressive focus on the property sector will experience growth directly, such as business unit sharia (UUS) Bank BNI and BTN. Bank-bank''the aggressive conduct of the property in 2008 is expected ekspansinya can grow again,''said Wahyu. Meanwhile, the bank's new play in the property sector is still experiencing akan stagnansi.
Financing the property, plus Revelation, divided the class of property for the middle to the top and bottom. Property that''at this time is a good property for the segment to the middle because of their investment property is a tool,''said Wahyu.
Meanwhile, for the property down the middle is usually the home bersubsidi program funded by the government. However, the information of Revelation, does not mean it is closing the financing opportunities. The financing is not only to the end user, but also to contractors and suppliers the property.
For properties in Indonesia, the commercial development of shops and housing are still quite promising. Not only shops or houses, apartments bersubsidi development and building the concept of strata title (apartments and offices) in Jakarta at this time also began to grow. Meanwhile, word of Revelation, the growth properties in other big cities such as Balikpapan, Surabaya, Medan, Semarang also contribute significantly to encourage increased business property.
However, according to the Revelation of the property depends on the purchasing power of capital and bank support. Public purchasing power, for example, depending on the situation and momentum, such as when entering a new school academic year. At that time, the words of Revelation, certain properties of the doldrums because of the customer to meet the needs of the schools their children. However, the overall property investment is the most resistant of the crisis, particularly investment properties in the area requires a dense population and settlement.
Meanwhile, Bank BNI UUS record of the property of 40 percent of the total consumer financing in 2008. Years ago in the UUS BNI have financing portion to 60 percent consumer and 40 percent in the MSMEs. However, in this year UUS BNI akan focus on MSMEs sector with a share of 60 percent and 40 percent consumer.
General Manager UUS BNI, Ismi Kushartanto says economic conditions at this time to make his side should be more careful in the financing, especially the consumer. In the 2009''UMKM still good, but if not for the consumer because of the economic condition of the client must be more,''said Ismi. Section, most of the customers who are not employees of the company will be known whether the impact of the crisis.
In 2008 UUS BNI has assets of Rp 4.011 trillion, profit before tax Rp 34.196 trillion, a third-party funds and Rp 3.172 trillion. UUS BNI also noted the distribution of Rp 3.132 trillion. c67
Republika, 27/1/2009
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