Kinerja Keuangan Perbankan Syariah di Indonesia dan Kontribusinya bagi Pembangunan Nasional

Abstract

Dzis article is aimed to oversee the development of Islamic banking in Indonesia mainly on its ínancial performance. Dze ínancial performance of the Islamic banking is observed in accordance to its blue print in order to evaluate its development and contribution to country development as part its main mission. To some extent, emperical índings suggest that the banking has so far shown its relatively high percieved performance in its ínancial duty mainly in contributing to ínancial intermediacies function of banking and to small and medium enterprises development in Indonesia. Nevertheles, some notes should be adressed to banking preference in supporting economic activities of people majority, such as in agriculture and other primary sectors and in implementing its proít and sharing principles in its activities.Kata kunci: perbankan syariah, kinerja keuangan, pembangunan nasional I. PendahuluanPengembangan sebuah sistem perbankan berbasis Islam secara politis di Indonesia akhirnya diakui sebagai bagian dari upaya tujuan pembangunan nasional yaitu untuk mencapai terciptanya masyarakat adil dan makmur berdasarkan demokrasi ekonomi. 2 Hal ini antara ditandai dengan peran aktif pemerintah dalam mengembangkan industri perbankan syariah yang diharapkan akan mampu menjadi langkah awal bagi pengembangan sistem ekonomi yang berlandaskan pada nilai keadilan, kebersamaan, pemerataan, dan kemanfaatan 1 Alumni Program Studi Ilmu Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Islam Indonesia. Saat ini bekerja pada Divisi Hubungan Masyarakat, Direktorat Sumber Daya Manusia, Universitas Islam Indonesia. Alamat email: yuliandriansyah@staê.uii.ac.id. 2 Abdul Ghofur Anshori (2009), Perbankan Syariah di Indonesia (Yogyakarta: Gadjah Mada University Press), hal. 7.

Good Corporate Governance in Islamic Banking during Fourth Industrial Revolution Era

“…The selection of articles after the screening process resulted in 32 articles ( Andriansyah, 2009). The development of Shariah in Indonesia has been supported by legal institutions, based on aspects of the legality of national law, Islamic law and the support of regulations supporting its operations ( Andriansyah, 2009).…”

“…The selection of articles after the screening process resulted in 32 articles ( Andriansyah, 2009). The development of Shariah in Indonesia has been supported by legal institutions, based on aspects of the legality of national law, Islamic law and the support of regulations supporting its operations ( Andriansyah, 2009). Activities banking Shariah is not only based on regulatory legislation, but should be subject to the guidelines and ethics are derived from the Koran, among others shidiq ( honesty ), trustworthy ( can be trusted ), the acquisition of income not derived from deception and fraud, also did not do actions were not undue.…”

Akad Penerbitan Sukuk di Pasar Modal Indonesia dalam Perspektif Fikih

“…PLN (2006PLN ( ,2009PLN ( , 2010 • PT. Berlian Laju Tanker (2007, 2009 • PT. Indosat (2005,2007,2008,2009)…”

Mengungkap Kesadaran Islami atas Riba pada Proses Pembelajaran Akuntansi

“…Sebut saja Khan (2008) yang membahas tentang praktik perbankan syariah; Aliyev (2007) tentang transaksi mudharabah; Ardiansyah (2009) tentang kinerja bank syariah; serta Hayat dan Kraeussl (2010) terkait penilaian risiko pada perbankan syariah. Dari penelitian ini tampak bahwa pembahasan masih terbatas pada definisi riba yang dikaitkan dengan praktik dalam perbankan syariah.…”