presentation for conference jerman

@ 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