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Prinsip Dasar Operasional Perbankan Syariah, Produk-Produk Dan Tantangannya

Author

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  • Nasser Atorf

    (Bank Indonesia)

Abstract

Krisis nilai tukar yang terjadi pada pertengahan 1997 telah membuat perbankan nasional mengalami kondisi yang sangat memprihatinkan. Hal tersebut ditandai dengan besarnya hutang dalam valuta asing yang melonjak, tingginya non performing loans, dan menurunnya permodalan bank. Kondisi tersebut diperburuk lagi dengan suku bunga yang meningkat tajam sejalan dengan kebijakan moneter untuk meredam gejolak nilai tukar , sehingga banyak bank yang mengalami negatif spread. Kondisi perbankan yang sangat parah tersebut terutama sebagai akibat dari pengelolaan bank yang tidak berhati-hati. Dipihak lain terdapat pandangan dari para ahli bahwa penerapan sistem bunga telah memperparah terpuruknya sistem perbankan nasional.

Suggested Citation

  • Nasser Atorf, 1999. "Prinsip Dasar Operasional Perbankan Syariah, Produk-Produk Dan Tantangannya," Bulletin of Monetary Economics and Banking, Bank Indonesia, vol. 2(3), pages 1-1, December.
  • Handle: RePEc:idn:journl:v:2:y:1999:i:3a:p:iii-vi
    DOI: https://doi.org/10.21098/bemp.v2i3.279
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