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Personal and Educational background

Born in Sukabumi Indonesia, May 12 1967


Graduated from Faculty of Shariah University of Jordan (1990),
Islamic Studies Program Al-Azhar University Cairo (1990),
Master of Economics International Islamic University, Malaysia (1992),
Doctorate in Micro Finance University of Melbourne,Australia (2004)
Responsibilities
Board of Islamic Banking Expert, Central Bank of Indonesia
Board of Commissioner Bank Shariah Mega Indonesia
Board of Shariah Bank Shariah Mandiri
Advisor to Board of Director Bank Muamalat Indonesia
Board of Shariah Takaful Islamic Insurance
Board of Shariah PNM Holding (state-owned company)
Chairman of Tazkia Group
Chairman of Batasa Tazkia Consulting

Publication (9 books)
Bank Syariah dari Teori ke Praktek (Islamic bank from
theory to practice)
Bank Syariah Wacana Ulama dan Cendekiawan (Islamic
bank: a discourse of scholars & jurists)
Bank Syariah bagi bankir dan Praktisi (Islamic banks for
banker and financial practitioners)
Bank Syariah untuk Umum (Islamic bank for public)
Wawasan Ekonomi Islam (Horizon of Islamic economics)
Arbitrase Islam di Indonesia (Islamic arbitration in
Indonesia)
Zakat Kaum Berdasi (Zakat of Muslim professionals)
Apa dan Bagaimana Bank Islam (What and How Islamic
Bank is)
Prinsip Operasional Bank Islam (Operational System of
Islamic bank)

KONDISI
EKONOMI UMMAT

12,1 %

58% GNP ---Konglomerat


24% GNP ---180 BUMN

87,9 % Muslim

10% GNP ---Koperasi & Sektor Formal


8% GNP ---33,5 juta Usaha Kecil

Piramida Penduduk

Piramida Penguasaan
Asset Produktif (GNP)

UKM di Indonesia
sumber: BPS, Deperindag, Depkop & UKM)

Jumlah Unit Usaha 11.760.110 unit


Transaksi Ekspor UKM US$ 3,05 miliar
Kontribusi UKM thd PDB
Rp 552,27
triliun (60% dari PDB)
Lembaga yang menangani UKM antara lain:

Depkop & UKM


Berbagai Departemen
Perbankan
BUMN melalui dana PUKK
Modal Ventura

Jumlah Pengusaha di Indonesia


(sumber BPS)

Jumlah Pengusaha Kecil 39.121.350


% Pengusaha Kecil 99,85%
Jumlah Pengusaha Menengah
55.437
% Pengusaha Menengah 0,14%
Jumlah Pengusaha UKM 39.176.787
% Pengusaha UKM 99,99%

UKM

SKALA USAHA JUMLAH


USAHA KECIL 40,137,773

UM

UB

57,743

PROSE
99,85

0,1436 %

0,01%

KENDALA PENGEMBANGAN
USAHA KECIL

1.MENTALITAS
2.PERIZINAN
3.MANAJEMEN
4.PRODUKSI
5.SUMBER DAYA MANUSIA
6.PEMASARAN
7.TEKNOLOGI
8.PEMBINAAN
9.AKSES FINANSIAL

Kriteria UKM menurut berbagai


sumber

UU Usaha Kecil, Asset tidak melebihi Rp


200 jt
Bank Indonesia Pembiayaan tidak melebihi
Rp. 500 jt.
Perpajakan: Penjualan bersih sampai
dengan Rp 5 miliar
Ketenagakerjaan: Pekerja sampai dengan
50 orang
Pasar modal: Total aktiva sampai dengan
Rp 100 miliar (maksimum instrumen efek
yang dikeluarkan sampai dgn Rp 40 miliar)

KENDALA-KENDALA DALAM
PEMBERDAYAAN EKONOMI
UMMAT
Aspek Filosofis
Zuhud,
Fardu kifayah
Qonaah
Sikap terhadap kemiskinan
Syukur
Ekonomi is Jihad Number One

KENDALA-KENDALA DALAM
PEMBERDAYAAN EKONOMI
UMMAT
Penguasaan Teknis
Manajerial
Jalur Distribusi
Network
Akses dana
Teknologi
Penetasi pasar global
Informasi proyek

KENDALA-KENDALA DALAM
PEMBERDAYAAN EKONOMI
UMMAT
Kondisi Sistem dan Struktural
Keberpihakan
Iklim Persaingan usaha
Tata niaga
Insentif Cukai dan Pajak
Perizinan dan birokrasi

Factors believed to be the strategic aspects


of Islamic finance
1.
2.
3.
4.
5.
6.
7.

Moral and Value Driven


Promoting Halal oriented business
More elastic with profit n loss sharing
Partnership cooperation
Promoting Efficiency
More equity and less loan
Strong commitment to small and micro
enterprises
8. Harmonizing real and monetary sectors

ARSITEKTUR PERBANKAN INDONESIA(API)

Bank Syariah
(yang telah berdiri maupun dalam proses)
1

Bank Muamalat Indonesia

14

Bank Tugu

Bank Syariah Mandiri

15

Bank CIC

BNI Syariah

16

Bank Bumiputera

Bank IFI Syariah

17

Bank Niaga

Bank Danamon Syariah

18

BPD Riau

BRI Syariah

19

Bank Sumut

BII Syariah

20

BPD Aceh

Bukopin Syariah

21

BPD Sumbar (?)

HSBC Syariah

22

BPD Sumsel

Bank DKI Syariah

23

BPD Kalbar

24

BPD Kalsel

25

BPD Sulsel

10

11 Bank Jabar Syariah


12

Bank Permata

13

BCA

Republika dan berbagai sumber. April 2004

Asuransi Syariah
Asuransi Takaful Umum
2. Asuransi Takaful Keluarga
3. Asuransi Syariah Mubarakah
4. Asuransi Great Eastern
5. Asuransi Bumi Putera
6. Asuransi Bringin Jiwa Sejahtera
7. Asuransi BSAM Syariah
8. Asuransi Tripakarta
9. MAA General
10. MAA Life
11. Asuransi Jasindo
12. Asuransi Binagriya
13. Asuransi Bumida
14. Adira Insurance
15. BNI Life
16. Asuransi Staco Jasa Pratama (dalam Proses)
17. Asuransi Central Asia (dalam proses)
1.

MILESTONE PERKEMBANGAN PERBANKAN SYARIAH


INDONESIA SEJAK 1990*
1990

Lokakarya
MUI

1992

1998

Pengenalan Dual Diperbolehkanny


a bank beroperasi
banking system
secara dual
system

Peserta
Pesertasepakat
sepakat
untuk
segera
untuk segera
mendirikan
mendirikanbank
bank
syariah
syariah

1999

Kebijakan moneter
berdasarkan prinsip
syariah

UU
UUno.
no.10/1998,
10/1998,Bank
BankIndonesia
Indonesia
mengakui
keberadaan
bank
mengakui keberadaan bank
syariah
syariahdan
danbank
bankkonvensional
konvensional
Bank
konvensional
Bank konvensionaldiperkenankan
diperkenankan
membuka
KC
syariah.
membuka KC syariah.

Bank
BankMuamalat
MuamalatIndonesia
Indonesia
berdiri
sebagai
hasil
berdiri sebagai hasildari
dari
pertemuan
tahunan
MUI
pertemuan tahunan MUIpd
pd
bulan
Agustus
1990
bulan Agustus 1990

* Sumber: Bank Indonesia

2000

2001/3

Keluarnya Reg.
Operasional & BPS/DPbS
lahir
Kelembagaan

BI membuat dan
menetapkan peraturan
kelembagaan perbankan
syariah
Pengembangan PUAS &
SWBI

UU no.23/1999:
UU no.23/1999:
BI bertanggungjawab terhadap pengaturan dan
BI bertanggungjawab terhadap pengaturan dan
pengawasan
pengawasanperbankan
perbankantermasuk
termasukbank
banksyariah
syariah
BI dapat menetapkan kebijakan moneter dg
BI dapat menetapkan kebijakan moneter dg
menggunakan
menggunakanprinsip
prinsipsyariah
syariah
Berdiri BUS kedua
Berdiri BUS kedua
Dibuka kantor cabang syariah untuk yang pertama
Dibuka kantor cabang syariah untuk yang pertama
kalinya
kalinya
BI memiliki Tim Penelitian dan Pengaturan Perbankan
BI memiliki Tim Penelitian dan Pengaturan Perbankan
Syariah
Syariah

Islamic Banking Development Strategy adopted by


the Central Bank of Indonesia
Phases and
Priorities for
Initiatives
Implementation

Laying foundation
for growth
Phase 1 (2002 2004)
Comply to
sharia principles

Public education program


standardization of contract
Studies to develop an

Phase 2 (2004 2008)

Supporting a more efficient

integrated regulatory and


supervisory mechanism

Improving prudential regulation


Prudential set
of regulations

Strengthening the
industry

and GCG
Improving network regulations
To study the implementation of
real time supervision

Supporting economies of

Operational
scope and economies of scale
efficiency and
Supporting human resource
competitiveness quality development

sharia supervisory activities


Developing incentive concept
to improve compliance with
sharia principles

Developing risk based

regulations and supervision


Developing entry and exit
policy

Suporting strategic alliances


Establishing cooperations with
related supporting institutions

Complying with
international standards for
financial products&
services

Phase 3 (2008 2011)

Realising the integrated rating


system that accomodates
sharia and financial aspects

Promoting the establishment of


self-regulatory system

Supporting the establishment of


global and internationally
competitive players

To study mutual cooperation


with related institutions

establish of communication
Systemic
stability and
benefits to the
economy

Source: Mulya Siregar BI

board and information center

Conducting preliminary studies

about potential systemic costs


Conducting studies for the
benefits of the implementation
of sharing contracts

Supporting the involvement of

rating agencies
Designing an appropriate
deposit insurance scheme
studies on voluntary sector
Supporting the use of share
base finance

Supporting the realisation of a


comprehensive and integrated
sharia financial system
18

Seberapa Besar Segmen Masyarakat yang Membutuhkan Bank


Syariah?:
SURVEY POTENSI DAN PREFERENSI KONSUMEN TERHADAP BANK SYARIAH*

Provinces

West Java

Percentage of
Moslems in each
province

Understand products
Perceived interest is
and benefits of
contradictory
with religious principles sharia banking

Percent

Percent

1022

98

Central Java &


1500
Yogyakarta

96

East Java

1503

97

West Sumatra

1060

Jambi

500

Total

5585

Percent
62

16

48

10

31

98

96

Average*=
97%

20

N.A. **
50

Average*=
42%

10

Average*=
11%

* Simple average
** Question Not Asked
Source:
BPS census 1990, public survey in W. Java, Central Java, Yogyakarta, E. Java, W. Sumatra, and Jambi conducted in 20002001 by BI, IPB, Universitas Diponegoro, Universitas Brawijaya, Universitas Andalas, and Universitas Jambi

* Sumber: Bank Indonesia

Linkage of Islamic Banking Industry in Indonesia


Public Depositors : Individual and Institution

Commercial fund

BPRS

BMT
BPRS

BPRS

ICB

BMT

BMT
BMT

BPRS
Subsidized fund
PNM

Various Dept

Dept Of Finance

BI

Dept Of Coop

BEPPENAS

LOCAL
NGOs

INTL
NGOs

Categorization of Small and Micro Financial Institutions Indonesia


FORMAL
Bank

Non-Bank

-Commercial
-Rural

-LDKP
(Lembaga Dana
kredit PedesaanVillage-based
institution for
SME financing)
-Co-operative

INFORMAL
-KSM
(Kelompok Swadaya
Masyarakat-Self
Help Group-SHG)
-LSM
(Lembaga Swadaya
Masyarakat- NonGovernmental
Organization)
-BMT
(Baitul Mal wa TamwilIslamic co-operative or
SHG)

Type of Islamic
Bank

Minimum
Capital

Size of Credit per


customer*

1 Islamic
Commercial bank

Rp. 10 billion
Rp.3 trillion
( for new license)

Rp. 100 million


above

2 Islamic Rural
Banks
(Bank Perkreditan
rakyat Syariah
BPRS)

Rp 500 million
Rp. 2 billion

Rp. 5 100 million

3 Islamic
Cooperative and
Self-Help Group
(BMT)

Rp. 10 100
million

Rp. 100.000 to Rp.


10 million

Landscape for robust Islamic financial


system
Strong
capital
structure
Independent and
effective
Supervision
(operational &
sharia)

Robust
Islamic
Financial

Prudent and
Effective
regulation
Good corporate
Governance,
risk
management

information
center and
rating agency

Consumer
protection,
arbitration,
public education