Strengthening the Sharing System Bank Syariah

By: Ach. Bakhrul Muchtasib

Rapid growth of sharia banking in Indonesia, not dibarengi by the understanding and knowledge of the sharia banking operational system. Although Sharia bank growing every year, but be of the Indonesian people still do not know what and how Sharia bank runs its business activities. Generally, people still thought that the bank is not sharia ubahnya such as conventional bank that is only labeled sharia only.

Products offered by Sharia bank, according to them, are just products of conventional banks is enhanced with the implementation of contract-contract relating to the sharia. So this is exactly bring the community members said that sharia just lipstick in sharia banking.

This very day is by their basic characteristics melandasi sharia banking system operational, the system for results. Because the system for the results in practice, the system still resembles the conventional interest rate for banks. Similarly, the distribution of funds bank syariah a greater focus on financing murabahah, based on the profit margin, is regarded by the community is just a way polesan from the conventional interest rate on the bank.

In practice the margin is done by sharia banking as the interest of conventional banks. This very day also caused by the payment system is a credit. Ways such as this that cause people melekatnya belief that Sharia bank as conventional banks in general.

Opinion that the bank sharia bank with the conventional, not only on the general public, but also on their intellectual people. According to their still very difficult to distinguish between the results, bank interest margins and conventional. Even if only on the level can only theory, practice, are still visible rancu to distinguish the results, and margin interest.

Although the theoretical results with the system for akad mudharabah and musyarakah very good, but going to the syariah banking financing pattern is not a barometer Sharia bank, so the comparison is quite small when compared with the financing with a fixed income. This is due to the demands that must be met by the banks that follow the sharia commercial bank structure. For commercial banks are required to distribute the income or return regularly for third-party funds in each month. So that the basis of fixed income tends to be a choice for Sharia bank.

Of the conditions that occur in society and also on the bank syariah, required of all elements, both individuals and institutions concerned with economic and financial development of sharia, to introduce more in all sections of the community are ongoing and continuous. Besides, from the finance and business to prepare for the sharia system, network and management of the bank based on sharia professionalism.

How the system so that the results into the operational characteristics of syariah bank, of course many things that must be addressed and prepared, in addition to improvements to the system, network and management, prepare human resources that understand and understand the economic and financial Sharia, both theory and practice, is a fundamental condition for Sharia bank to be prepared.

According Hanawijaya, to support the target market share 5% at the end of 2008, required a network of sharia bank office 2289 office. The existence of sharia banks at the end of 2006 as many as 630 offices, so Sharia bank must increase the number of the office of office 1659. This is based on the assumption that the average asset bank syariah perkantor reaching Rp. 40 billion. The implication is needed 41,475 additional human resources in a period of 2 years, with the assumption 1 branch requires 25 personnel.

If the average assets per bank office sharia can be improved up to 50% of average assets per bank office conventional, or Rp. 95 billion, the number of offices required to support the achievement of the target market share is 5% office 964, or an increase of 334 offices. The implication is the number of human resources is needed as much as 8,350 personnel, which must be fulfilled within 2 years.

The need for human resources to support the development of sharia banking, not only on those who work and run the operational bank syariah. However, resources also need to be prepared are those who directly or indirectly interact with the bank syariah. According Didin Hafidhuddin, there are five components of human resources that need to be, the owners of capital, business, bankers, policy makers and the instructor. They will be inter-related between each other in order to progress the creation of sharia banking.

In addition to human resources needs of a fairly urgent, it would need in each bank syariah formed a consumer protection agency, the bank made as sharia, the first bank to facilitate the facilitator and the client to provide explanation of the products Sharia bank, and. The two mediators, it is necessary in case of error or dissatisfaction between the respective parties, consumer protection agencies can memediasi between them, so there is no dispute that will be detrimental for both parties. Eksekutor Third, the function of this consumer protection agencies are given full authority to settle all problems that are associated with the customer and the bank syariah. Basically this is a form of institutional support should be given by the Sharia bank management and employees to customers.