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Thursday, Feb-25 2021 09:09 WIB
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5 Tantangan Pengembangan Ekonomi dan Keuangan Syariah
Published: 19 Jan 2021 11:45 WIB


Dok. Instagram Wimboh Santoso
IMQ, Jakarta —  Ketua Dewan Komisioner Otoritas Jasa Keuangan Wimboh Santoso menyebutkan, terdapat lima tantangan pengembangan ekonomi dan keuangan syariah.

Pertama, pangsa pasar relatif masih rendah. Dalam webinar bertajuk Ekonomi Syariah Indonesia 2021, ia menekankan bahwa saingan bank umum syariah Indonesia bukan lagi berada di domestik dan konvensional, melainkan global dan regional.

“Artinya, yang kita benchmark bukan hanya dalam negeri saja, namun kita harus punya pemain yang tangguh di luar negeri. Untuk menjadi pemain tangguh, kita harus memperkuat infrastruktur, modal, sumber daya manusia, harga produk harus kompetitif, dan penguasaan teknoogi,” ucap Wimboh, Selasa (19/1).

Kedua, literasi keuangan syarah masih rendah. Ia mengajak seluruh pemangku kebijakan selalu meningkatkan literasi dan inklusi syariah kepada masyarakat. Saat ini, indeks literasi dan inklusi syariah berada pada level 8,93% dan 9,1%, sedangkan indeks literasi dan inklusi nasional berada pada posisi 38,03% dan 76,19%.

Ketiga, Diversifikasi modal bisnis atau produk syariah masih terbatas. Wimboh menyebutkan saham syariah, sukuk korporasi, reksadana syariah, surat berharga negara, asuransi syariah, dan pembiayaan syariah harus bervariatif dan harganya kompetitif sehingga bank syariah Indonesia mampu bersaing dengan regional dan global.

Keempat, adaptasi teknologi belum memadai. Ia mengharapkan pemilk bank umum syariah dan konvensional harus inovatif dalam menciptakan teknologi yang bisa diakses oleh seluruh masyarakat Indonesia.

Kelima, pemenuhan sumber daya masyarakat belum optimal. Ia menggarisbawahi bahwa SDM tidak boleh ditinggalkan dan regulator harus menciptakan SDM yang tangguh sebagai penerus sehigga asosiasi yang berkaitan dengan teknologi dan produk keuangan teknologi selalu didorong.

“Kami juga membuka ruang bagi lembaga keuangan kita untuk mempunyai multiple bisnis baik teknologi dan non teknologi, digital bank juga dimungkinkan, jangan sampai ketinggalan dan lupa digital bank syariah juga harus ada,” tegasnya.
Author: Susan Silaban
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