Pro dan kontra konversi bank konvensional menjadi perbankan syariah

Abstract

Kehadiran Qanun Nomor 11 Tahun 2018 tentang Lembaga Keuangan Syariah berimplikasi pada perkembangan bank syariah di Aceh. Dengan diundangkannya Qanun Lembaga Keuangan Syariah mengharuskan lembaga keuangan yang beroperasi di Aceh berdasarkan prinsip syariah. Akibatnya, bank konvensional di Aceh melakukan konversi menjadi bank syariah. Penelitian ini bertujuan untuk mengetahui pendapat pro dan kontra dari masyarakat terkait implementasi Qanun Nomor 11 Tahun 2018 pada perbankan yang beroperasi di Aceh. Penelitian ini merupakan penelitian kualitatif deskriptif dengan metode pengumpulan data dari studi literatur atau pustaka. Hasil penelitian menunjukkan bahwa pihak yang mendukung konversi bank konvensional menjadi syariah didasarkan pada keinginan untuk menjalankan syariat Islam secara kaffah. Sedangkan pihak yang kontra menolak implementasi dari qanun tersebut dikarenakan kekurangan bank syariah dalam penyediaan fasilitas dan jasa yang sesuai kebutuhan dan terjangkau serta lemahnya persepsi dan tingkat literasi masyarakat mengenai perbankan syariah.
 
 The presence of Qanun Number 11 of 2018 concerning Islamic Financial Institutions has implications for the development of Islamic banks ini Aceh. With the promulgation of the Qanun on Sharia Financial Institutions, it requires financial institutions operating in Aceh to be based on sharia principles. As a result, convesional banks in Aceh converted into Islamic banks. This study aims to determine the opinions of the pro and contra of the public regarding the implementation of Qanun No. 11 Of 2018 in conventional banks operating in Aceh. This research is a descriptive qualitative research with the method of collecting data from literature studies. The results shower that those who supported the converion of conventional banks to Sharia were based on the desire to implements Islamic Law in a kaffah manner. Meanwhile, those sho oppose the implementation of the qanun are due to the lack of Islamic banks in providing facilities and services that are suitable and affordable as well as the weak perception and level of public literacy regarding Islamic banking.

Conversion Into Full-Fledge Islamic Banks and It’s Impact on Asset: Evidence From Indonesian Islamic Banking Industry

“…One of the objectives of converting a conventional holding bank into a full-fledged Islamic bank is to meet the financial needs of the community, both for saving and financing (Rafay & Sadiq, 2015). This reason is in accordance with the findings in several previous studies, one of the factors driving conversion is the public's desire for a bank that operates fully in accordance with sharia principles (Rohman, 2019;Rahmawati & Putriana, 2020;Yoesoef & Khairisma, 2020;Alamsyah & Amri, 2021). The people in these three provinces are communities with a high level of religiosity.…”

“…However, the conversion procedures they have undertaken are similar to those of other banks. The Bank of Aceh's decision to transform into a full-fledged Islamic bank is driven by a desire to serve the Acehnese people better, in accordance with Islamic law (Rohman, 2019;Rahmawati & Putriana, 2020;Yoefoef & Khairisma, 2020;Alamsyah & Amri, 2021). Similarly, the Bank of NTB's decision to fully convert into an Islamic bank is motivated by the significant Muslim population in NTB, with the aim of meeting the increasing demand for Islamic banking services (Trisnawati & Wagian, 2021).…”