Competition of financial service in Indonesia effected in performance of Islamic banking because Islamic Banking in Indonesia have several problem such as lack of capital, financial resources, human resources, and IT resources.
Islamic banking expected to contribute in supporting the economic transformation in productive economic activity, high value-added and inclusive, especially by exploiting demographic dividend and the prospect of high economic growth, so the role of Islamic banking may seem significant for the community.
Islamic banking has several problem that must be solved with strategic system. Therefore, it is expected the Indonesian economy in 2016 will be recovered, especially with the number of infrastructure projects and improvements in the central and local government budget.
Chairman of the Indonesian Association of Islamic Economics (Agustianto Mingka) conclude, in the construction of infrastructure projects are being intensively implemented by the government, should be able to take the role of Islamic banking. In this case the Islamic banks can perform a nice fellow syndicated financing Islamic banks as well as join (syndicated) with conventional banks.
Prediction in 2016, the growth of Islamic banking assets estimated to be around 15%. He revealed that in 2016 will be marked by the level of the financial services business competition intensifies, because of Asean Economic Community, which for the banking industry it is stated in the ASEAN Banking Integration Framework (ABIF). Increasing competition in the financial services industry will negatively affect the performance of Islamic banking because it is still constrained by several problems such as lack of capital, financial resources, human resources and IT are not yet qualified.
Actually a lot of profitable business opportunities for Islamic banking, such as international trade finance, sindicated financing, Margin During Construction (MDC), hybrid take over and refinancing, factoring, KPRS pivot, financing reimburs, IMBT and Ijarah Maushifah fizZimmah, and Musharaka Mutanaqishah. Akad Mutanaqishah Musharaka can be applied in 11 product and business needs of customers.
"But until now Islamic banks generally do not develop these products, so the products is still very limited. In the future, particularly in 2016, Islamic banks should develop creative and innovative products for example by applying musyarakah mutanaqishah, "said Agustianto some time ago in Jakarta.
Source : http://infobanknews.com/tantangan-perbankan-syariah-di-2016/
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