presentation for conference jerman
advertisement
@ HAK CIPTA PADA : KARNAEN A. PERWATAATMADJA (2) PROSES PEMBUNGAAN UANG > PENGALIHAN HARTA KEPADA YANG KAYA i LN BERSAING BUNGA SIMPANAN Yg menarik PENYIMPAN > INFLASI + SPREAD = NON KUK 80% BUNGA PINJAMAN PEDAGANG INFLATOIR BANK KONVENSIONAL PEMINJAM BIAYA PROD. SOMEBODY EVERYBODY O.K CUKUP PENYIMPAN TDK TAHU R PASAR A BLM K JENUHY A HARGA T BANK RUGI SITA JAMINAN TIDAK CUKUP PRODUSEN KUK 20% KREDIT MACET J E UPAH BURUH L KWALITAS A T PASAR A SDH 1 JENUH Bank’s Financial Intermediation 120 100 80 Islamic 60 Conventional 40 20 0 2003 2004 2005 2006 2007 Feb-08 Evolution of Banking Legislation in Indonesia Regulation No. 14 of 1967 Deregulation June 1st 1983 Pakto 1988 Regulation No. 7 of 1992 Regulation No. 10 of 1998 Sharia Banking Law No. 21 of 2008