{"id":4173,"date":"2023-01-25T16:20:33","date_gmt":"2023-01-25T09:20:33","guid":{"rendered":"https:\/\/businessupdate.id\/?p=4173"},"modified":"2023-01-25T16:20:58","modified_gmt":"2023-01-25T09:20:58","slug":"bisnis-perbankan-syariah-2023-diprediksi-tumbuh-pesat","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=4173","title":{"rendered":"Bisnis Perbankan Syariah 2023 Diprediksi Tumbuh Pesat"},"content":{"rendered":"\n<p><strong>BusinessUpdate &#8211; <\/strong>Direktur Utama PT Bank Syariah Indonesia Tbk. (BRIS) Hery Gunardi mengatakan bisnis perbankan syariah pada 2023 akan berada di atas rata-rata perbankan nasional.&nbsp;<\/p>\n\n\n\n<p>Menurutnya, penyaluran pembiayaan perbankan syariah tumbuh 7,25% secara tahunan (<em>year-on-year<\/em>\/yoy) pada tahun ini atau lebih tinggi dibandingkan proyeksi pertumbuhan kredit perbankan nasional sebesar 5,21% yoy.&nbsp;<\/p>\n\n\n\n<p>&#8220;Pembiayaan di bank syariah ini akan lebih baik dibandingkan industri perbankan secara keseluruhan,&#8221; kata Hery dalam acara Seminar Nasional Sharia Economic Investment outlook 2023: Akselerasi Pembangunan Ekonomi Aceh pada Rabu (25\/1\/2023).&nbsp;<\/p>\n\n\n\n<p>BSI sendiri berhasil membukukan pertumbuhan pembiayaan 22,35% yoy menjadi Rp199,82 triliun per kuartal III\/2022, dibandingkan Rp163,31 triliun pada kuartal III\/2021.&nbsp;<\/p>\n\n\n\n<p>Pertumbuhan pembiayaan ini diiringi dengan perbaikan pada sisi kualitas pinjaman. Tercatat, <em>non performing financing<\/em> (NPF) <em>gross <\/em>BSI turun dari 3,05% menjadi 2,67%. NPF net juga turun dari 1,02% menjadi 0,59%.&nbsp;<\/p>\n\n\n\n<p>Sementara, berdasarkan Laporan Profil Industri Perbankan Indonesia yang dirilis Otoritas Jasa Keuangan (OJK) bank syariah juga mencatatkan pertumbuhan pembiayaan yang pesat pada kuartal III\/2022, yakni sebesar 18,79% yoy menjadi Rp477,50 triliun.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Pertumbuhan pembiayaan bank syariah itu lebih tinggi dibandingkan kredit bank umum konvensional (BUK) yang tumbuh 10,57% yoy menjadi Rp6.026.72 triliun. Selain pembiayaan, kinerja bisnis lainnya seperti dana pihak ketiga (DPK) bank syariah juga diproyeksikan tumbuh lebih pesat dibandingkan perbankan nasional.&nbsp;<\/p>\n\n\n\n<p>Menurut Hery, DPK perbankan syariah diperkirakan tumbuh 11,53% yoy atau lebih tinggi dari proyeksi DPK perbankan nasional sebesar 7,51% yoy. Akan tetapi, perbankan tahun ini akan menghadapi tantangan gejolak ekonomi global.&nbsp;<\/p>\n\n\n\n<p>&#8220;Dinamika perekonomian global sedang tidak baik-baik saja. Pada 2023 masih berlanjut ketegangan geopolitik, meningkatnya potensi resesi di negara maju, serta isu perubahan iklim. Bank Dunia juga memproyeksikan pertumbuhan ekonomi global hanya sebesar 1,7% pada 2023 dan 2,7% pada 2024,&#8221; ujar Hery.&nbsp;<\/p>\n\n\n\n<p>Dari dalam negeri, beberapa hal yang menjadi perhatian adalah pemulihan ekonomi, mobilitas, konsumsi, normalisasi kebijakan fiskal dan moneter, hilirisasi tambang, serta dinamika politik menjelang pemilu.&nbsp;<\/p>\n\n\n\n<p>Sebelumnya, Direktur Eksekutif Segara Institute Piter Abdullah mengatakan bahwa kondisi perbankan syariah diperkirakan tidak akan banyak terdampak oleh resesi global.&nbsp;<\/p>\n\n\n\n<p>Piter memprediksi permintaan terhadap pembiayaan dari bank syariah akan tumbuh dan membaik. Ia berpendapat seharusnya bank-bank syariah mampu memacu pertumbuhan pembiayaan lebih tinggi, salah satunya melalui KPR syariah. Sayang, selama ini keunggulan KPR syariah tidak begitu nampak dan dirasakan nasabah. (pa\/jh)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Direktur Utama PT Bank Syariah Indonesia Tbk. (BRIS) Hery Gunardi mengatakan bisnis perbankan syariah pada 2023 akan berada di atas rata-rata perbankan nasional.&nbsp; Menurutnya, penyaluran pembiayaan perbankan syariah tumbuh 7,25% secara tahunan (year-on-year\/yoy) pada tahun ini atau lebih tinggi dibandingkan proyeksi pertumbuhan kredit perbankan nasional sebesar 5,21% yoy.&nbsp; &#8220;Pembiayaan di bank syariah ini [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3493,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[426,911,325,555,1263],"class_list":{"0":"post-4173","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-finance","8":"tag-bank","9":"tag-bisnis","10":"tag-indonesia","11":"tag-perbankan","12":"tag-syariah"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bisnis Perbankan Syariah 2023 Diprediksi Tumbuh Pesat - Businessupdate.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessupdate.id\/?p=4173\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bisnis Perbankan Syariah 2023 Diprediksi Tumbuh Pesat - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Direktur Utama PT Bank Syariah Indonesia Tbk. 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