Kajian Model Bisnis Perbankan Syariah .kerangka besar Arsitektur Sistem Keuangan Syariah Indonesia

  • View
    216

  • Download
    0

Embed Size (px)

Text of Kajian Model Bisnis Perbankan Syariah .kerangka besar Arsitektur Sistem Keuangan Syariah Indonesia

i

DIREKTORAT PERBANKAN SYARIAH | 2012

KAJIAN MODEL BISNIS PERBANKAN SYARIAH

ii

E-mail : dbps@bi.go.i

2012, Departemen Perbankan Syariah, Bank Indonesia

Jalan MH Thamrin No. 2 Gedung A Lantai 21-22, Jakarta 10110

Telpon : (021) 3817513

i

DAFTAR ISIDAFTAR ISIDAFTAR ISIDAFTAR ISI

DAFTAR ISI .............................................................................................................................. i

DAFTAR GAMBAR .................................................................................................................. iv

DAFTAR TABEL ........................................................................................................................v

BAB I PENDAHULUAN ............................................................................................................ 1

1.1. Latar Belakang ................................................................................................................ 1

1.2. Tujuan Penelitian ............................................................................................................. 2

1.3. Metodologi dan Metode Penelitian .................................................................................. 2

1.4. Sistematika Penulisan ...................................................................................................... 3

BAB II KAJIAN LITERATUR ....................................................................................................... 4

2.1. Definisi dan Terminologi Model Bisnis .............................................................................. 4

2.2. Model Bisnis Bank ......................................................................................................... 10

2.2.1. Investment Banking ......................................................................................... 12

2.2.2. Commercial Banking ....................................................................................... 16

2.2.3. Universal Banking ............................................................................................ 19

2.2.4. Consumer Banking .......................................................................................... 22

2.2.5. Retail Banking ................................................................................................. 24

2.2.6. Corporate Banking .......................................................................................... 27

2.2.7. Community Banking........................................................................................ 29

2.2.8. Development Banking ..................................................................................... 30

2.2.9. Agricultural Banking ........................................................................................ 33

2.2.10. Cooperative Banking ....................................................................................... 34

2.2.10.1. Customer Segment ......................................................................................... 34

2.2.10.2. Value Proposition ............................................................................................ 35

2.2.10.3. Channel .......................................................................................................... 35

2.2.10.4. Customer Relationship .................................................................................... 35

2.2.10.5. Revenue Streams ............................................................................................. 35

2.2.10.6. Key Resources ................................................................................................. 35

2.2.10.7. Key Activity ..................................................................................................... 35

2.2.10.8. Key Partner ..................................................................................................... 35

2.2.10.9. Cost Structure ................................................................................................. 36

ii

2.2.11. Social Banking ................................................................................................. 36

2.2.12. Green Banking ................................................................................................ 38

2.2.13. Subsidiary Banking .......................................................................................... 40

2.2.14. Window Banking ............................................................................................ 42

2.2.16. Linkage Banking .............................................................................................. 43

2.2.17. Branchless Banking ......................................................................................... 46

2.3. Penerapan tipe-tipe Model Bisnis ................................................................................... 49

2.3.1. Contoh Investment Banking ............................................................................ 49

2.3.2. Contoh Agricultural Banking ........................................................................... 50

2.3.3. Contoh Branchless Banking ............................................................................. 52

2.3.4. Contoh Green Banking .................................................................................... 53

2.3.5. Contoh Development Banking ......................................................................... 54

2.3.6. Contoh Cooperative Banking ........................................................................... 56

BAB III ANALISIS EMPIRIK ...................................................................................................... 58

3.1 Karakter Bisnis Perbankan Syariah .................................................................................. 58

3.1.1. Customer Segment Perbankan Syariah Indonesia ............................................. 58

3.1.2. Offering (Value Proposition) Perbankan Syariah Indonesia ................................. 59

3.1.3. Infrastruktur Perbankan Syariah Indonesia ........................................................ 60

3.1.4. Financing ............................................................................................................ 62

3.2. Karakter Sosial Budaya Masyarakat Indonesia ................................................................. 64

3.2.1. Tujuh Tipe Nilai Schwartt ................................................................................. 65

3.2.2. Dimensi Budaya GLOBE ................................................................................... 66

3.3.3 Audit Persepsi Perbankan Syariah dari Key Opinion leader ................................ 68

3.3.3 Pemetaan Konsumen berdasarkan Orientasi Bank ................................................ 71

3.3. Mainstream Bank Syariah Indonesia ............................................................................... 73

3.4. Potensi pengembangan bank syariah ke depan .............................................................. 74

3.4.1. Kekuatan dalam Industri .................................................................................. 74

3.4.2. Trend Utama Industri Perbankan ...................................................................... 79

3.4.3. Kekuatan Pasar ............................................................................................... 81

3.4.4. Lingkungan Makro yang mempengaruhi .......................................................... 82

BAB IV KONSTRUKSI MODEL-MODEL BISNIS BANK SYARIAH ................................................. 87

4.1. Faktor-faktor yang dipertimbangkan (Considerant Factor) .............................................. 87

iii

4.1.1. Pertimbangan dari Akademisi/Publik ................................................................ 87

4.1.2. Pertimbangan Regulator .................................................................................. 89

4.1.3. Pertimbangan dari Praktisi Perbankan .............................................................. 90

4.1.4. Nasabah bank Syariah ..................................................................................... 90

4.2. Kemungkinan penerapan beberapa model bisnis di perbankan syariah (Feasible Study) ... 91

4.2.1. Investment Banking ......................................................................................... 91

4.2.2. Commercial Banking ....................................................................................... 93

4.2.3. Universal Banking ............................................................................................ 94

4.2.4. Consumer Banking .......................................................................................... 95

4.2.5. Social Banking ................................................................................................. 96

4.2.6. Agricultural Banking ........................................................................................ 97

4.2.7. Development Banking ..................................................................................... 98

4.2.8. Cooperative Banking ......................................................................