a tazkia experience

MEETING THE CHALLENGES IN
HUMAN CAPITAL DEVELOPMENT
FOR ISLAMIC FINANCE INDUSTRY:
A TAZKIA EXPERIENCE
Dr. Muhammad Syafii Antonio, M.Ec
Chairman of TAZKIA, ARK, ASYKI, PayTren
KEIN & Shariah Council of IDB Jeddah
Jl. Ir. H. Juanda No.78 Sentul City
Outline
1.
2.
3.
4.
5.
6.
Believe Before Action
Knowledge Integration
Balancing the skill and competence
Hard VS Soft Competences
Developing Sense of Responsibility
Learning and Education Model
Strategic Values to
Believe in
TAZKIA STRATEGIC VALUE
Tauhid (belief)
Amanah (trust)
Zero Defect & Quality
Knowledge & Competence
Innovative & Istiqamah
Achievement through team work
Balancing the skill
and competence
Shariah
Finance
iB – Business Transformation
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
7 Susila Bhakti (BSB) to
Transformation/full conversion of Bank
Bank Syariah Mandiri (BSM)  1999
iB – Est. of Shariah Unit
 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
8
 Establishment of Shariah Unit (UUS) of Bank BPD Jateng, 2007
Non-bank – Est. of Shariah Unit
 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
9
Knowledge
Integration
Knowledge Integration Process
Islamic
Modification
Insertion
Conventional
Conventional
(1-10 %)
Insetion
(11-33 %)
Integration
process
Modification
(33% -63%)
Islamic
(64-100%)
Hard VS Soft
Competences
MICRO FINANCE
VILLAGES
Pro-LM Model, Patent No. 032865 @ 2005
Copyright © Muhammad Syafii Antonio
INTEGRITY
FOR PERSONAL EXCELLENCE
 BELIEVE (TAUHID)
 HONESTY
 HALAL ORIENTED
TRUSTWORTHY
FOR INTER-PERSONAL CAPITAL
 AMANAH (RELIABILITY)
 EMOTIONAL AND PHYSICAL
FITNESS
 ACCOUNTABILITY
COMPETENCY
FOR PROFESSIONALISM & QUALITY
 KNOWLEDGE MANAGEMENT
 ITQAN FOR QUALITY DRIVEN
 EFFECTIVE TIME
MANAGEMENT
COMMUNICATIVE
FOR VISIONARY LEADERSHIP
 CLEAR VISION
 TEAM WORK
 MOTIVATION AND INSPIRATION
Developing Sense
of Social and
Economic
Responsibility
The SME Empowerment “House”
Economic Wellbeing
of SMEs
Risk Protection/
Social Security
BAYTUL
MAAL
Saving
Commercial
Financing
Micro
Credit
Shadaqah/
Charity
BAYTUT-TAMWIL
LKM, BMT, BPRS
BAYTUT
TA’MIN
ECONOMIC EMPOWERMENT STRATEGY
FOR LOW INCOME SOCIETY
Community ABC
Zakat
Infaq
Shadaqah
BAYTUT
TAMWIL
ABC
BAYTUL
MAAL ABC
grant, education,
institutional/capacity
building, soft loan
Membership saving
Regular saving
Voluntary saving
Deposit, and
dedicated financing
BPRS
BAYTUT
TA’MIN
LKMK
KBMT
BM
local
life, health,
general,
pension, etc
Urban poor/village
needy/small and micro
enterprises
city/small
town/village
Woman as Second Economic Egine of the Family
WEEKLY DISBURSEMENT
AND SAVING ACTIVITIES
INITIAL SOCIALIZATION
LEARNING
MODEL
EDUCATION & LEARNING PROCESSS
Candidates graduated
from SMU, SMK and
Aliyah
1 year
Students have to
undertake
matriculation
program (boarding)
Selection:
Academic Potential
Test (TPA) / SMART Tes
Research for
Academician
Placement Test:
Arabic, English,
Mathematics & Computer
Motivator for
People’s
Economic
Development
Matriculation:
Arabic
English
Mathematic
Computer
Effective Learning Methods
Leadership
Dirasah Islamiyah
On the Job
Training for
Professional
Feasibility
Studies for
Entrepreneur
5 Months
Tutorial (Boarding – 1 month)
Examined by both Internal and External
Examiner
Learning Process:
2,5 YEARS
Graduates Bourse
EXECUTIVE
ENTREPRENEUR
GRADUATES
COMDEV
ACADEMICIAN
LEAF FROG
STRATEGY
DOUBLE DEGREE
Tazkia Experiences on education
Jl. Ir. H. Juanda No.78 Sentul City
Coordination Among 3 Authorities
OTORITAS JASA KEUANGAN
Bank Syariah
Unit Usaha
Syariah
BPRS
LKNB syariah
Obligasi
pemerintah
Obligasi
Korporasi
34
Bank
BPR
Dana Pensiun
Pegadaian
Asuransi
Reksadana
Multifinance
OTORITAS MONETER
Bank Indonesia
Perbankan
Proyek
Pemerintah
aliran dana
Non Bank
Aktifitas Ekonomi
aliran dana
Pasar Obligasi
Pasar saham
OTORITAS FISKAL
Sektor Produktif
Industri
Agriculture
Perdagangan
Pasar
Keuangan
Proyek Swasta
Proyek-proyek
pemerintah
Infrastruktur
Pendidikan
Kesehatan
Sosial
Pemetaan
per wilayah
per proyek
per tenor
per skala usaha
LINKAGE LEMBAGA KEUANGAN SYARIAH
Komite Perbankan
Syariah
Dewan Syariah Nasional
IAI
Baznas
Basyarnas
Dewan Pengawas Syariah
Islamic
Insurance/Takaful
Bank Syariah
UUS
Depositors
- Publik
- Pemerintah
- Asing (terbatas)
Asosiasi
Central Bank
Investment Certificate
Medium and Large
Business
Islamic Money Market
BPRS
Lembaga Rating
Islamic Capital
(Sukuk) Market
BMT
Small and Micro Business
Lembaga
Penjamin
LKS non bank
Islamic Stock Market
Komponen Kompetensi
Karya
Tampak
Perilaku
P
Pengetahuan
S
Ketrampilan
Tersembunyi
B M
K
Sikap
Karakter
Motivasi
Bakat
K
P
N
Lingkungan
Model Gunung Es dan Lingkaran Terpusat Kompetensi
© JS
Jenis Kompetensi & Profesi
Karya
Penyanyi, Artis
Pengetahuan
Konsultan, Juru Taksir
Ketrampilan
Pilot, Tukang Las
Perilaku
Kasir, Operator Telpon
Sikap
Motif
Bakat
Penerima Tamu
Sales
Tester
© JS
Sistem MSDM-BK Terpadu
Performansi
Pelatihan &
pengembangan
Kompensasi
Rekrutmen
Informasi :
Jabatan :
kompetensi yang
dibutuhkan
Individu : kompetensi
yang dimiliki
-
Perencanaan
suksesi
Seleksi
Evaluasi dan
Job desain
Jalur karir
© JS
Infrastruktur Keuangan Syariah
Regulations:
licensing &
supervision
BANK
INDONESIA
Fatwas
Certification Institutions
for Microfinance
Professionals
Certification for
BoD
Deposit
Insurance
Corporation
National
Sharia Board
Financial Service
Authority (OJK)
A wholesale Apex for
Financing MSMEs
Projects
National
Islamic
Arbitrage
Board
Capicity Building
Dispute
Mediation
Statement of
Financial
Accounting
Standard
Indonesian
Institute of
Accountants
TA, advocacy &
Participation in Policy
Dialogue
Strategi Mendorong Pertumbuhan Industri Perbankan Syariah
Supporting the development of
Human resources and service
excellence
Market
creation
Higher
efficiency
Competitive
ness
Developing Infrastructure:
liquidity market, market
information
Regulatory synchronization
(AKSI)
Prudential regulation and
supervision
positioning
LEGEND:
Long-Mid Term
Impact
Quick Win
Capital
acc’ion
Tax incentives plus
dividend policy and
remuneration scheme
Economic of
scale
Establishing Sharia State
owned banks: BUMNs,
BPD Holding, Conversion
High
growth
Fin &
Op’nal
s’ness
Willingness to utilize iBs in
government projects and
activities, and relaxation on
NOP, GWM, Modal
Lower risk
premium
Cross-sectorial
financing: e.g. voluntary
sector
Higher
preference
Support to create new
Industrial Branding
Potensi Pengembangan Bisnis Bank
Potensial
Market
Bisnis Model
Syariah
Government
• 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
•
Corporate
Retail Produktif
(SMEs)
Retail Konsumtif
Unbankable
(micro)
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
•
•
 Investment Banking
 Development/
Infrastructure Banking
 Special Purpose Banking
for Hajj
 Agriculture Banking
 Infrastructure Banking
 Corporate/Wholesale
Banking
 Investment Banking
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)
 Commercial Banking
 Retail Business Banking
 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)
 Consumer Banking
 Retail Banking
• 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
 Micro Banking
 Branchless Banking
 Community Banking (for
women)
41
9. Basic Requisites for Islamic
Managers
1. Working knowledge of Arabic needed for
understanding of the Qur’an, the sunnah and fiqh
literature.
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