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Problem Pengembangan Produk Dalam Bank Syariah

Author

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  • Cecep Maskanul Hakim

    (Bank Indonesia)

Abstract

Undang-undang No. 10 Tahun 1998 tentang Penyempurnaan Undang-undang No.7Tahun 1992 tentang Perbankan merupakan langkah maju dalam perkembangan perbankan, terutama bagi perbankan syariah. Dalam undang-undang ini perbankan syariah diberikan perlakuan yang sama equal treatment dengan perbankan konvensional. Padahal jika dilihat jumlahnya, ketika undang-undang itu disahkan, baru ada satu bank syariah –Bank Muamalat- dan sekitar 70 BPR Syariah. Disahkannya Undang-undang No. 10 Tahun 1998 telah membuka kesempatan lebih luas bagi bank syariah untuk berkembang. Undang-undang ini bahkan tidak saja menyebut bank syariah secara berdampingan dengan bank konvensional dalam pasal demi pasal, tetapi juga menyatakan secara rinci prinsip produk perbankan syariah, seperti Murabahah, Salam, Istisna, Mudharabah, Musyarakah dan Ijarah; padahal dalam Undang-undang No. 7 Tahun 1992 tetang Perbankan, nama syariah pun sama sekali tidak disebut.

Suggested Citation

  • Cecep Maskanul Hakim, 1999. "Problem Pengembangan Produk Dalam Bank Syariah," Bulletin of Monetary Economics and Banking, Bank Indonesia, vol. 2(3), pages 9-21, December.
  • Handle: RePEc:idn:journl:v:2:y:1999:i:3c:p:9-21
    DOI: https://doi.org/10.21098/bemp.v2i3.272
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