Islamic Trade Finance & Percepatan Pembangunan Bangsa; Peluang dan Tantangan Muhammad Syafii Antonio (Chairman Tazkia/Komite Ekonomi Nasional)
Jakarta, 12 Januari ,2011
Outline 1.
Pilar pembangunan Ekonomi Nasional
2.
Produk Produk Pembiayaan Export di Indonesia
3.
Best practice di luar negeri
4.
Skema Pembiayaan UMKMK Berbasis Syariah
5.
Peluang dan Tantangan
Belanja Rumah Tangga
APBN
National Growth Investasi (Produk Modal Tetap Bruto)
Net Ekspor
Amanat bagi Bank dan Lembaga Pembiayaan Trade Finance Memberikan pembiayaan dan jasa keuangan lainnya bagi para nasabah eksport dan import
Mempercepat peningkatan ekspor nasional
Membantu peningkatan kemampuan produksi nasional berdaya saing tinggi dan memiliki keunggulan global Mendorong pengembangan UMKMK untuk mengembangkan produk yg berorientasi ekspor
DIANTARA PRODUK ISLAMIC TRADE FINANCE DI INDONESIA
BAGI EKSPORTIR IND.
TAMWIL
BAGI IMPORTIR BARANG DAN JASA INDONESIA DI LUAR NEGERI PENJAMINAN BAGI BANK
KAFALAH PRODUK & JASA
PENJAMINAN DALAM RANGKA PELK. PROYEK
PEMB. KORPORASI
PEMBIAYAAN UMKM
Jaminan Tender Jaminan Pelaksanaan Jaminan Uang Muka Jaminan Pemeliharaan
Atas RESIKO KEGAGALAN EKSPORT
TA’MIN IA’DAH TA’MIN
CUSTOMS BOND Atas KEGAGALAN BAYAR Atas INVESTASI DI L.N
KHIDMAH ISYTISYARIAH
RISIKO POLITIK DI NEGARA TUJUAN EKSPOR
Kepada : 1. Bank 2. Lembaga Keuangan 3. Eksportir 4. Produsen Brg Ekspor 5. UMKMK
ISLAMIC TRADE FINANCE FORMS ISLAMIC EXPORT FINANCING
Pemb. Modal Kerja Ekspor AKAD
Musyarakah Mudharabah Murabahah
Pemb. Investasi/ Refinancing Asset
Pemb. Project Financing
AKAD
AKAD
Murabahah
Murabahah
Mudharabah
Mudharabah
Musyarakah
Musyarakah
Musyarakah Mutanaqishah
Musyarakah Mutanaqishah
SHARIAH EXPORT-BASED SERVICES • Bank Guarantee – Kafalah
• Letter of Credit (Impor & Ekspor) – – – –
Wakalah bil Ujrah Wal Qardh Wakalah bil Ujrah Wal Murabahah Wakalah bil Ujrah Wal Musyarakah/Musyarakah Dll
• Penyelesaian Piutang Ekspor – Wakalah bil Ujrah
• Penyelesaian Utang Impor – Hawalah bil Ujrah
Export Receivable Settlement 4) Collection Bank Syariah
Importir
3) Penyerahan Dokumen
2) Akad
5) Dana Talangan
Wakalah Bil Ujrah
/Qard
1) Tagihan /Piutang Ekspor Eksportir/Nasabah
Note : Skema tsb di atas juga dapat digunakan untuk pembiayaan anjak piutang syariah
Import Debt Settlement 4) Payment Bank Syariah
Eksportir
3) Penyerahan Dokumen
2) Akad
4) Dana Talangan
Hawalah Bil Ujrah
1) Utang Impor Importir/Nasabah
/Qard
LINKAGE MODEL, Vendor Financing
Pembiayaan Syariah
Model 1. Linkage Program dengan Nasabah Korporasi Syariah ( Pembiayaan piutang dagang ) FOREIGN COUNTRY
INDONESIA Bank Syariah
3. Pemberian Pembiayaan (Pembiyaan piutang dagang )
4. Bayar angsuran
Akad Wakalah Bil Ujrah
2. Pemberitahuan Besar tagihan
1. Kirim Barang
Importer
EXPORTER (nasabah lama)
SME / TRADER /SUPPLIER
Model 2a. Pembiayaan Bersama (Joint Financing) FOREIGN COUNTRY
INDONESIA
Atas Persetujuan Bank – si Berpiutang 2. Subrogasi
BANK SYARIAH , 2
BANK 1. Pembayaran SYARIAH , 1 piutang Pembiayaan
Kirim Barang
Importer
EXPORTER (Persh. Inti)
SME / TRADER /SUPPLIER
Model 2.b. Pembiayaan Bersama (Joint Financing) FOREIGN COUNTRY
INDONESIA
Persetujuan dari awal – sharing dana untuk pembiayaan DANA BANK, 1
BANK, 2
Pembiayaan
Kirim Barang
Importer
EXPORTER (Persh. Inti)
SME / TRADER /SUPPLIER
SKEMA PEMBIAYAAN UNTUK UMKMK
Islamic Bank Pembiayaan
INVESTASI MODAL KERJA BAGI EKSPORTIR IND.
PEMBIAYAAN UMKM - maksimum Rp 50 milyar PEMBIAYAAN EKSPORT NASIONAL
BAGI IMPORTIR BARANG DAN JASA INDONESIA DI LUAR NEGERI Pembiayaan
bersama N Penjaminan Pembiayaan sendiriPENJAMINAN BAGI BANK o Jaminan Tender LK non BankJaminan BANK Pelaksanaan PENJAMINAN DALAM Jaminan Uang Muka Jaminan Pemeliharaan Direct exportir CofinancingJaminan Cofinancing supplier Atas RESIKO KEGAGALAN EKSPORT RANGKA TENDER
1. Langsung Asuransi dan Reasuransi Supplier – Eksportir Atas KEGAGALAN BAYAR Refinancing ( pembiayaan Tidak piutang Atas) INVESTASI DI L.N 2. Langsung Inti – Plasma RISIKO POLITIK DI NEGARA Executing TUJUAN EKSPOR (linkage program)
Refinancing
16
Skema Pembiayaan Co Financing
Bank (A)
Bank (B)
UMKM
Re financing
Executing
Bank (A)
Bank (A)
Bank (B)
Bank (B)
UMKM
UMKM
IDB Group
1. Direct Financing
Beneficiary
(3) Repayment of Sale Price
(1-a) Shipment
Supplier
(1-b) Notification
(1-b) Request
(2) Payment of Purchase Price
IsDB
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2. Syndication Beneficiary
(1-a) Shipment (1-b) Request
Supplier
(1-b) Notification
(3-a) Repayment of Sale Price
(2-b) Payment of Purchase Price
IsDB (2) Payment of Purchase Price
(3-b)
(3-b) (3-b)
(2-a)
(2-a)
Participant
(2-a)
Participant Mudaraba Agreement 20
Participant
(3) Repayment of Sale Price
3. Two-Step Murabaha Financing (2SMF)
(4) Payment of Purchase Price (3-b) Notification
(3-b) Advise
Fund Provider
(6) Repayment of 2nd Sale Price
Supplier
IsDB
(3-b) Request
(5) Repayment of 1st Sale Price
(1-a) 1st Murabaha Agreement
(2) Shipment
Beneficiary
(1-b) 2nd Murabaha Agreement
21
The Islamic Corporation for the Insurance of Investment and Export Credit (ICIEC)
• The Islamic Corporation for the Insurance of Investment and Export Credit (ICIEC) is a member of the Islamic Development (IDB) Group. ICIEC was established on 1st August 1994 (24 Safar 1415H) as an international institution with full juridical personality. • The idea for the establishment of an entity to provide investment and export credit insurance for Islamic Countries originated from the Agreement for the Promotion, Protection and Guarantee of Investment in among Member Countries of the Organization of the Islamic Conference (OIC). • This Agreement provided that the OIC, through the Islamic Development Bank, establish an Islamic Insurance Company operating with Shariah, providing insurance products for investments and export credits.
Malaysian Experience
Letter Of Credit-i (LC-i) • A written undertaking given by a bank to a seller (local/ foreign) at your request in making payment to the seller on your behalf at a determinable future date. Based on the Islamic concept of Wakalah where it is an agency relationship and one party is appointed an agent on behalf of the other party.
Bank Guarantee-i (BG-i) • An undertaking by the Bank to pay the beneficiary of the BG-i of an agreed sum if the bank's customer fails or defaults in fulfilling their obligations under the terms and conditions of the contract or agreement entered with the beneficiary. Based on the Islamic concept of Kafalah where it is a contract of guarantee or surety given by one party to discharge the liability of a third party in the case of default.
Shipping Guarantee-i (SG-i) • Shipping Guarantee is an indemnity given by the customer, countersigned by the Bank, to a shipping company or its agent to allow the shipping company to release the merchandise to the consignee named in the Bill of Lading without the presentation of the original Bill of Lading. Similar to BG-i, it is based on the Islamic concept of Kafalah where it is a contract of guarantee or surety given by one party to discharge the liability of a third party in the case of default.
Trade Murabahah-i (TM-i) • This product provides CUSTOMER with the working capital to finance the purchase/ importation of goods, raw materials, machinery, etc for your business operations. Based on the Islamic concept of Murabahah, where it is known as mark-up sale financing, it is a contract entered between buyer (the Customer) and seller (SCB), where the Bank will sell goods on deferred term to the buyer at an agreed selling price that comprises the Bank's purchase price and profit margin. The Bank will pay the cost price of goods direct to the supplier and the customer will settle the Bank's selling price on lump sum basis at an agreed date in the future.
Local Bills Discounting (LBD-i) • This product provides you working capital by allowing the Bank purchase your debt through discounting. The proceeds from the sale serve as working capital to finance your sales/exports. The product is based on the Islamic concept of Bai'Dayn where it is a sale of debt arising from a trade transaction. Debt created from transaction is evidenced by a bill of exchange drawn by the seller and accepted by the buyer to mature on determinable future date.
Accepted Bills-i (AB-i) (Purchase/ Sale) • A facility where we finance the purchase/importation of goods, raw material, machinery, etc for your business operations. (PURCHASE). • A facility granted by the Bank to its customer whereby the Bank purchases the debt through discounting the customer's right to the debt arising out of usance export documents with recourse to the customer. (SALE) • Based on the Islamic concept of Murabahah for purchase and Bai'al Dayn for sale. Accepted bills can be traded by us in the secondary market.
NILAI STRATEGIS KEBERADAAN LOKOMOTIF EXPORT FINANCING DI INDONESIA
LPEI
SEBAGAI
1.
Mempunyai SOUVERIGN status, agar akses pendanaan mudah dan murah.
2.
LPEI dapat menggunakan nama Indonesia Eximbank (ps.47). Untuk menyejajarkan diri dengan lembaga sejenis yang ada di luar negeri.
3.
Lex specialist (UU sendiri) & sue generis (lembaga khusus). Dasar : UU No. 2 tahun 2009, 12 Januari 2009
4.
MEMILIKI KAPASITAS BESAR dalam menyediakan Pembiayaan Ekspor Nasional.
5.
BMPK sekitar 1.5 trilyun per single group customer.
BAGI EKSPORTIR IND.
TAMWIL
BAGI IMPORTIR BARANG DAN JASA INDONESIA DI LUAR NEGERI PENJAMINAN BAGI BANK
KAFALAH PRODUK & JASA
PENJAMINAN DALAM RANGKA PELK. PROYEK
PEMB. KORPORASI
PEMBIAYAAN UMKM
Jaminan Tender Jaminan Pelaksanaan Jaminan Uang Muka Jaminan Pemeliharaan
Atas RESIKO KEGAGALAN EKSPORT
TA’MIN IA’DAH TA’MIN
CUSTOMS BOND Atas KEGAGALAN BAYAR Atas INVESTASI DI L.N
KHIDMAH ISYTISYARIAH
RISIKO POLITIK DI NEGARA TUJUAN EKSPOR
Kepada : 1. Bank 2. Lembaga Keuangan 3. Eksportir 4. Produsen Brg Ekspor 5. UMKMK
LPEI combining Bank and Insurance Products Bentuk PEN
Pembiayaan Modal Kerja/ Investasi
Prinsip Pembiayaan
Badan Usaha yg dibiayai
Domisili yg dibiayai
Konvensional
Badan Hukum
Didalam negri
Penjaminan Asuransi dan Reasuransi
Prinsip Syariah
Tidak berbadan Hukum – termasuk perorangan
Diluar negeri
Net Export for National Economic Growth Acceleration Synergy
DeBottlenecking
Acceleration
Terima kasih
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