Wednesday, 24 Jul 2019

Riau-Kepri Bank still reluctant to form Sharia based bank, with the reason there are still much to prepare


Riau-Kepri Bank's buildingRiau-Kepri Bank's building - Building on the realization of sharia-based Pekanbaru Madani city needs support from financial institutions that are also based on sharia as well. And one of them is at the Regional Development Bank of the city of Pekanbaru.

Various government banks in Indonesia have provided sharia-based banks. This can be seen by the long standing of state and private banks that run in Sharia system. These sharia-based banks provide convenience to their customers.

As seen in Indonesia there are already established Islamic banks, including BNI Syariah, BRI Syariah, Bank Syariah Mandiri.

READ MORE : Pekanbaru Government was threatened to lose first stage of 2019 Special Allocation Fund

In addition, there has also been seen a sharia base that has been applied in terms of savings, namely BNI Syariah, BRI Syariah, Bank Syariah Mandiri, BCA Syariah, Bank Jabar Banten, Maybank Syariah Indonesia, Bank Muamalat, Bank Panin Syariah, Bukopin Syariah Bank , Mega Indonesia Syariah Bank, Bank Victoria Syariah, BTPN Syariah, CIMB Niaga, Bank Danamon, OCBC NISP, Bank Permata, BTN Syariah, Sinar Mas Bank, Bank DKI, Bank Aceh, and Regional Development Banks.

For Riau, the bank that raised the territory of Riau, Bank Riau-Kepri, this bank has actually implemented the sharia system in its savings account, in iB SINAR Savings (riau safah savings).

Savings iB SINAR (riau amanah riau) is savings based on the principle of mudharabah muthlaqah. With this principle, customer savings are needed as an investment in the sense that savings funds are used productively in the form of financing to the public, companies and individuals professionally and fulfill sharia rules. The profit from this financing is shared between the customer and the bank in accordance with the agreed (customer) portion in advance.

However, the red plate bank is still reluctant to establish a Sharia base in the Riau region like other banks which directly raise the name of Islamic banks.

READ MORE : Riau Governor was given a chance to give presentation in front of Triawan Munaf

Head of the Riau OJK Yusri, once said that the BRK needed to review related matters to establish a sharia-based bank. This is not easy to do, the need for careful planning.

Establishing a sharia-based bank at Bank Riau Kepri everything must be prepared and many other requirements, such as quality studies and surveys about the preferences of its customers and the people of Riau itself, and the most important thing is in terms of the budget that has been said to have limitations.

Regarding BRK Syariah, the OJK Riau will continue to support if the BRK system change changes by implementing the Sharia system or also if establishing the BRK Syariah in accordance with the Malay community which is synonymous with Islamic law.

Technically, many things that the BRK must prepare for the conversion include the readiness of BRK employees, Science and Technology, Product Operational Standards, and others, and most importantly it takes sufficient time to prepare.

And thus, the Islamic system if in the BRK Syariah banking there will no longer be a bank interest that is identical to usury, because it is not justified in Islamic teachings. And the non-detrimental Islamic banking system from a business aspect will actually accelerate the development of BRK itself.


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