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MEETING THE CHALLENGES IN HUMAN CAPITAL DEVELOPMENT
FOR ISLAMIC FINANCE INDUSTRY:
A TAZKIA EXPERIENCE
Dr. Muhammad Syafii Antonio, M.EcChairman of TAZKIA, ARK, ASYKI, PayTren
KEIN & Shariah Council of IDB Jeddah
Jl. Ir. H. Juanda No.78 Sentul City
1. Believe Before Action
2. Knowledge Integration
3. Balancing the skill and competence
4. Hard VS Soft Competences
5. Developing Sense of Responsibility
6. Learning and Education Model
Outline
Strategic Values to Believe in
Tauhid (belief)
Amanah (trust)
Zero Defect & Quality
Knowledge & Competence
Innovative & Istiqamah
Achievement through team work
TAZKIA STRATEGIC VALUE
Balancing the skill and competence
Shariah Finance
7
Spin-Off/Transformation of Shariah Banking Unit/UUS, Bank Jabar Banten into Bank BJB Syariah 2008 – 2009
Transformation of Shariah Banking Unit/UUS, PT. Bank BRI Tbk. into Bank BRI Syariah through acquisition and conversion of Bank Jasa Artha 2006 – 2007
Transformation/full conversion of Bank Susila Bhakti (BSB) to Bank Syariah Mandiri (BSM) 1999
iB – Business Transformation
8
Establishment of Shariah Unit (UUS) of Bank Bukopin, 2000
Establishment of Shariah Unit (UUS) of Bank Jabar, 2000
Establishment of Shariah Unit (UUS) of Bank Danamon Indonesia,
2002
Establishment of Shariah Unit (UUS) of Bank BII, 2003
Establishment of Shariah Unit (UUS) of Bank BPD Aceh, 2003-2004
Establishment of Shariah Unit (UUS) of Bank Sumut, 2004
Establishment of Shariah Unit (UUS) of Bank BTN, 2004-2005
Establishment of Shariah Unit (UUS) of Bank BPD Kaltim, 2006
Establishment of Shariah Unit (UUS) of Bank Ekspor Indonesia,
2006-2007
Establishment of Shariah Unit (UUS) of Bank BPD Jateng, 2007
iB – Est. of Shariah Unit
9
Establishment Shariah Branch at Asuransi Panin Life Tbk.
Establishment Shariah Branch at Asuransi Ramayana
Establishment Shariah Branch at Asuransi Wana Artha
Establishment Sharia Custodian Bank at Citigroup
Establishment Shariah Multi Finance at Bhakti Finance
Establishment Shariah Multi Finance at KITA Finance
Non-bank – Est. of Shariah Unit
Knowledge Integration
Knowledge Integration Process
Conventional
Insertion
Modification
Islamic
Conventional
(1-10 %)
Insetion
(11-33 %)
Modification
(33% -63%)
Islamic
(64-100%)
Integration process
Hard VS Soft Competences
MICRO FINANCE VILLAGES
Pro-LM Model, Patent No. 032865 @ 2005Copyright © Muhammad Syafii Antonio
BELIEVE (TAUHID)
HONESTY
HALAL ORIENTED
INTEGRITYFOR PERSONAL EXCELLENCE
TRUSTWORTHY FOR INTER-PERSONAL CAPITAL
AMANAH (RELIABILITY)
EMOTIONAL AND PHYSICAL
FITNESS
ACCOUNTABILITY
COMPETENCYFOR PROFESSIONALISM & QUALITY
KNOWLEDGE MANAGEMENT
ITQAN FOR QUALITY DRIVEN
EFFECTIVE TIME
MANAGEMENT
COMMUNICATIVEFOR VISIONARY LEADERSHIP
CLEAR VISION
TEAM WORK
MOTIVATION AND INSPIRATION
Developing Sense of Social and
Economic Responsibility
The SME Empowerment “House”
Shad
aqah
/ C
harity
Micro
C
redit
Sav
ing
Com
mercial
Fin
ancin
g
Risk
Pro
tection/
Social S
ecurity
Economic Wellbeing of SMEs
BAYTUL
MAAL
BAYTUT
TA’MIN
BAYTUT-TAMWIL
LKM, BMT, BPRS
ECONOMIC EMPOWERMENT STRATEGY FOR LOW INCOME SOCIETY
Community ABC
Urban poor/village needy/small and micro
enterprises
BAYTUT
TA’MIN
BAYTUL
MAAL ABC
BAYTUT
TAMWIL
ABC
LKMK
BMlocal
KBMT
BPRS
Membership savingRegular saving
Voluntary saving
Zakat Infaq
Shadaqah
grant, education, institutional/capacity
building, soft loan
Deposit, and dedicated financing
city/small town/village
life, health, general, pension, etc
Woman as Second Economic Egine of the Family
WEEKLY DISBURSEMENT AND SAVING ACTIVITIES
INITIAL SOCIALIZATION
LEARNING MODEL
Candidates graduated from SMU, SMK and
Aliyah
Selection:Academic Potential
Test (TPA) / SMART Tes
Placement Test:Arabic, English,
Mathematics & Computer
Matriculation:ArabicEnglish
MathematicComputer
Effective Learning MethodsLeadership
Dirasah Islamiyah
Learning Process:2,5 YEARS
Research for Academician
On the Job Training for Professional
Feasibility Studies for
Entrepreneur
Tutorial (Boarding – 1 month)
Examined by both Internal and External Examiner
1 year
Students have to undertake
matriculation program (boarding)
Graduates Bourse
Motivator for People’s
Economic Development
5 Months
EDUCATION & LEARNING PROCESSS
EXECUTIVE ENTREPRENEUR
COMDEV ACADEMICIAN
GRADUATES
LEAF FROGSTRATEGY
DOUBLE DEGREE
Tazkia Experiences on education
Jl. Ir. H. Juanda No.78 Sentul City
Coordination Among 3 Authorities
34
OTORITAS JASA KEUANGAN OTORITAS MONETER OTORITAS FISKAL
Bank Syariah
Bank Infrastruktur
BPR Perbankan Pendidikan
BPRS Kesehatan
Dana Pensiun Sosial
Pegadaian
Asuransi Non Bank Sektor Produktif Pemetaan
Reksadana Industri per wilayah
Multifinance Agriculture per proyek
Perdagangan per tenor
Pasar Obligasi per skala usaha
Pasar saham
Proyek Swasta
Pasar
Keuangan
Proyek
Pemerintah
Obligasi
Korporasi
Proyek-proyek
pemerintahBank Indonesia
Aktifitas Ekonomi
Obligasi
pemerintah
Unit Usaha
Syariah
LKNB syariah
aliran dana
aliran dana
IAI
Baznas
Basyarnas
Asosiasi
UUS
Depositors
- Publik
- Pemerintah BPRS
- Asing (terbatas)
BMT
LKS non bank
Islamic Stock Market
Central Bank
Investment Certificate
Dewan Syariah NasionalKomite Perbankan
Syariah
Lembaga Rating
Dewan Pengawas Syariah
Islamic Money Market
Islamic
Insurance/Takaful
Islamic Capital
(Sukuk) Market
Bank Syariah
Medium and Large
Business
Small and Micro Business
Lembaga
Penjamin
LINKAGE LEMBAGA KEUANGAN SYARIAH
Tampak
Tersembunyi
Ketrampilan
Pengetahuan
SikapKarakterMotivasiBakat
B MK
S
N
K P
Model Gunung Es dan Lingkaran Terpusat Kompetensi
Karya
Lingkungan
Perilaku P
© JS
Komponen Kompetensi
Karya Penyanyi, Artis
Pengetahuan Konsultan, Juru Taksir
Ketrampilan Pilot, Tukang Las
Perilaku Kasir, Operator Telpon
Sikap Penerima Tamu
Motif Sales
Bakat Tester
© JS
Jenis Kompetensi & Profesi
Sistem MSDM-BK Terpadu
Kompensasi
Pelatihan & pengembangan
Perencanaan suksesi
RekrutmenSeleksi
Performansi
Jalur karir
Evaluasi dan Job desain
Informasi :- Jabatan :
kompetensi yang dibutuhkan
- Individu : kompetensi yang dimiliki
© JS
National Sharia Board
National Islamic
Arbitrage Board
Indonesian Institute of
Accountants
Certification Institutions for Microfinance
ProfessionalsBANK INDONESIA
Fatwas
Regulations: licensing & supervision
Capicity Building
TA, advocacy & Participation in Policy
Dialogue
Statement of Financial
Accounting Standard
Dispute Mediation
A wholesale Apex for Financing MSMEs
Projects
Certification for BoD
Deposit Insurance
Corporation
Infrastruktur Keuangan Syariah
Financial Service Authority (OJK)
Quick Win
Tax incentives plusdividend policy and
remuneration scheme
Competitiveness
Capital acc’ion
Establishing Sharia State owned banks: BUMNs,
BPD Holding, Conversion
Economic of scale
Cross-sectorialfinancing: e.g. voluntary
sector
Support to create new Industrial Branding
Lower risk premium
Higher preference
Long-Mid Term Impact
Supporting the development of Human resources and service
excellence
Higher efficiency
Developing Infrastructure: liquidity market, market
information
Prudential regulation and supervision
Regulatory synchronization(AKSI)
Fin & Op’nal s’ness
positioning
High growth
LEGEND:
Market creation
Willingness to utilize iBs in government projects and
activities, and relaxation on NOP, GWM, Modal
Strategi Mendorong Pertumbuhan Industri Perbankan Syariah
41
Retail Konsumtif
Retail Produktif (SMEs)
Corporate
Government
Unbankable(micro)
Bisnis Model
Investment Banking Development/
Infrastructure Banking Special Purpose Banking
for Hajj Agriculture Banking
Infrastructure Banking Corporate/Wholesale
Banking Investment Banking
Commercial Banking Retail Business Banking
Consumer Banking Retail Banking
Micro Banking Branchless Banking
Community Banking (for women)
Potensial Market
• Sektor usaha di Indonesia diidominasi UMKM dg pangsa 99.9% (53.823.732 unit)
• Pangsa Kredit Perbankan ke sektor UMKM 20.7% (481.2 T)
• 50% populasi dewasa belum memiliki akses finansial formal
• Total penyaluran dana KUR Pemerintah 2011 20 T(2011)
• Target populasi Buruh Migran domestik & internasional dan masyarakat terpencil
• Dana Haji Daftar tunggu Calon Haji mencapai sekitar 1 juta orang (Mei 2012). Potensi dana haji sekitar Rp 25 T, 19% dikelola
bank syariah (4,5 T). • Dana pembangunan infrastruktur yang disalurkan melalui
Kementerian Pekerjaan Umum Rp 75,15 triliun• Kebutuhan dana pembangunan infrastruktur untuk mendukung
MP3EI sd 2025 sebesar Rp 1.923 triliun• Sektor Pertambangan 150 T
• Pembiayaan IDB untuk swasta dalam negeri senilai US$1,1 miliar hingga 2014.
• High net worth individual (HNWI) Indonesia Oktober 2011 mencapai 112 ribu orang (Credit Suisse Research Institute)
• Investor lokal di Indonesia (Juni 2012) sebanyak 363.094 orang atau 0,2 persen dari total penduduk Indonesia
Middle Class meningkat GDP meningkat, angka kemiskinan menurun, konsumsi masy meningkat Nasabah Mass Affluent dengan Layanan 24/7
Peningkatan kelas menengah 9 juta jiwa/tahun+baglock perumahan 13,6 juta unit
Total kebutuhan rumah per tahun bisa mencapai 2,6 juta rumah (REI)
Proyeksi penjualan mobil tahun 2012 mencapai 875,000 unit (GAIKINDO)
Potensi Pengembangan Bisnis Bank Syariah
9. Basic Requisites for Islamic Managers
1. Working knowledge of Arabic needed for understanding of the Qur’an, the sunnah and fiqhliterature.
2. Knowledge of ayat and ahadith that deal explicitly and implicitly with financial matters
3. Knowledge of Islamic jurispudence, the methodology of usul-al-fiqh and the objectives of shari’ah as well as the qawaid-al-fiqhiyyah
4. Knowledge of fiqh al-Maal and al-Milkiyyah(property and property rights)
5. Knowledge of fiqh al-Buyu’ (Islamic laws relating to market and exchange)
6. Knowledge of application of shari’ah in financial transactions with particular emphasis on Islamic contracts of exchange as a method of financing, such as mudarabah (agency, trust financing), musharaka(partnership, profit-sharing), ijarah (leasing), bai’ murabaha bi saman ‘aajil (markup leased trading with deferred payment), bai’ istisna’ (construction contract), bai’ salam (forward sale), etc.
7. Knowledge of comtemporary innovations in the use of sale of contracts as tools for financing, such as sukook.
8. Skills needed for customer satisfaction
9. Knowledge of views of contemporary Muslim thinkers on financial matters
10. Competence to conduct ijtihad in development of new Islamic products