ukm bukannya dilayani di level BMT dan BPR Syariah ya?  yang dua ini kurang
dikembangkan kali yah di pakistan.


salam,
Ari

<http://papabonbon.wordpress.com>


On Tue, Aug 17, 2010 at 3:46 AM, sunny <am...@tele2.se> wrote:

>
>
> http://www.dailytimes.com.pk/default.asp?page=2010
> \08\16\story_16-8-2010_pg3_6
>
> Monday, August 16, 2010
>
> COMMENT: Should Islamic banking broaden its base? -Muhammad Aftab
>
> In order to really contribute to the economy, Islamic banks will have to
> expand their commercial and investment banking services, and various streams
> of deposits should finance these ventures. They will have to diversify their
> product mix, making use of their comparative advantage, and not just using
> the conventional modes
>
> Should Islamic banking broaden its base? All un-serviced sectors say that
> it should, in case it wishes to finance small enterprises, farmers and the
> homeless, rather than concentrating on big business.
>
> The growing Islamic banking system in Pakistan has finally been asked to
> broaden its base and undertake equitable distribution of economic gains.
> This is urgently needed because the present Islamic banking paradigm is
> based on replication of conventional banking products and totally relies on
> debt-based fixed income products. "The total reliance of Islamic banks on
> debt-based fixed income products and minimising the risks to almost close to
> those of the conventional banking system is blurring the distinction between
> Islamic and conventional finance," Yaseen Anwar, acting governor, State Bank
> of Pakistan has told bankers.
>
> Despite the fact that the replication of conventional banking products to
> make them shariah-compliant does pass the shariah permissibility test, but
> it is insufficient to achieve the larger objectives of an Islamic financial
> system. These objectives include enforcement of a broad based and equitable
> distribution of economic gains to help boost business and industry.
> Ironically, 67 percent financing by the Islamic banks is concentrated in the
> corporate sector, instead of financing the needs of smaller enterprises.
>
> How did this come about? This concentration has taken place through
> murabaha, ijarah, and the diminishing musharaka. Most of the corporations
> have banking and financing relationships with Pakistan's domestic and
> foreign-based conventional banks. "The Islamic banks have to offer
> significant price discounts to attract corporate clients. It reduces the
> banks' profit margins and limits their ability to offer better returns to
> the depositors," Anwar says.
>
> Islamic banking operations over the last 40 years are seen to be contrary
> to the natural business model of Islamic finance, which promotes risk and
> reward sharing and encouraging financing to promising start-ups, which is
> critical for promoting an entrepreneurial culture. The present practices
> also confine the access of finance to the well-established businesses and
> corporations; they leave small and medium enterprises (SMEs) and start-up
> businesses financially excluded.
>
> Such enterprises are deprived of financing benefits despite the fact that
> such enterprises offer a huge volume of business. The number of these
> businesses and industrial units is in millions. These enterprises employ
> millions of people and act as the economy's stabilisers when big business
> and industry face crisis due to domestic or international causes.
>
> Since Islamic banking, under profit and loss sharing (PLS), was launched in
> Pakistan in the late 1970s, depositors are protesting against paltry profits
> they receive on their deposits, often much less than the payout by
> conventional deposits. It has discouraged savings. The Islamic banks retain
> a large portion of profit, pretending high costs and overheads, and also to
> cover the risks.
>
> Facts contradict their claim; a recent survey confirmed that the Islamic
> banks had an 8.7 percent spread, as against 7.19 percent by the conventional
> banks. Both Islamic and conventional banks have one of the highest spreads
> in the world. It averages around 7.5 percent for conventional banks. Low
> interest payouts or profits by both systems leave Pakistan with the lowest
> savings rate in the world.
>
> In order to really contribute to the economy, Islamic banks will have to
> expand their commercial and investment banking services, and various streams
> of deposits should finance these ventures. They will have to diversify their
> product mix, making use of their comparative advantage, and not just using
> conventional modes.
>
> Islamic banking should be profitably extended to new areas, like the rural
> farming sector, comprising more than seven million households. It
> contributes 20 percent to the annual GDP and is a source of livelihood to 65
> percent of the population. Less than 20 percent of these households have
> access to bank credit. The growing SME sector, too, has a major potential
> for Islamic banking; it can build low-cost houses and cater to a huge demand
> of the homeless. For Islamic banking, is the sky not the limit?
>
> The writer is an Islamabad-based journalist and former Director General of
> APP
>
> [Non-text portions of this message have been removed]
>
>  
>


[Non-text portions of this message have been removed]



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