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Jumat, Maret 29, 2024
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BNI Syariah Wins Best Financing Innovation Award at Anugerah Syariah Republika 2020

KNews.id- BNI Syariah received the award for the Sharia Bank with the Best Financing Innovation from the BUKU II bank group. This award was given at the annual Anugerah Syariah Republika 2020 with the theme “Momentum for the Acceleration of a Resilient Sharia Economy” which was held online.

Present to receive the award at this event was the President Director of BNI Syariah, Abdullah Firman Wibowo. Abdullah Firman Wibowo expressed his gratitude and appreciation for the award given at the 2020 Sharia Republika Award.

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“Thank you to all levels of management and editorial staff of Republika for the appreciation and appreciation given to BNI Syariah. Republika is a partner of BNI Syariah which has played an active role in broadcasting Indonesia’s sharia economy, ”said Abdullah Firman Wibowo.

This award cannot be separated from the trust and support of all stakeholders who accompany the journey of BNI Syariah. As a Hasanah Banking Partner, BNI Syariah strives to continue to innovate, improve products and services and meet the needs of the public in financial transactions in accordance with sharia principles.

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BNI Syariah hopes that with existing products and services, the community can enjoy the benefits and kindness and blessings both in the world and in the hereafter. Abdullah Firman Wibowo hopes that this effort and dedication can contribute optimally to the development of the Islamic economy and that Indonesia can become the center of the world’s sharia economy.

As a Hasanah Banking Partner, BNI Syariah is committed to implementing the Hasanah Way for the benefit of customers both in the world and in the hereafter. BNI Syariah is also committed to continuing to provide the best in accordance with sharia principles through products, services and innovation for all people in meeting the needs of financial transactions according to sharia principles. Not only oriented towards world profit, but also sustainability in the afterlife (Hasanah Way).

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Until the third quarter of 2020, BNI Syariah recorded realization of financing of Rp32.28 trillion with a balanced composition of financing where in the third quarter of 2020, the Consumer segment contributed Rp. 16.40 trillion, which contributed 50.80%, followed by the Commercial segment with Rp. 7.74 trillion ( 23.97%), Small and Medium segments Rp6.18 trillion (19.15%).

In providing banking services according to sharia principles, BNI Syariah has a variety of superior financing products including BNI Griya iB Hasanah housing finance, BNI iB Hasanah Card financing, KUR iB Hasanah, BNI Entrepreneurial iB Hasanah productive financing, and other financing products.

The advantages of BNI Griya iB Hasanah products are 5B (Five Free), namely free administration for the Murabahah contract, free of provisions, free of appraisal, free of penalties, and free of gharar. Another advantage is in the form of a feeling of peace and calm because it is in accordance with sharia principles. In addition, the financing period is flexible, up to 20 years for fix-income customers and 15 years for non-fix-income customers.

BNI Syariah also has an innovative home financing product based on fixed asset ownership, namely BNI Griya Swakarya iB Hasanah. This product has a sharia business model based on a murabahah or buying and selling contract. In this case, Islamic banks first control the property assets to be managed, built and sold, which in the balance sheet are positioned as bank supplies. In principle, the murabahah syariah becomes more perfect because the object being traded has been controlled by the bank.

By acting as both a developer and a provider of financing, the property prices offered to potential customers are more competitive with the bundling promos provided and the ease of the financing process.

The implementation of the 2020 Sharia Republika Award (ASR) is a means of appreciating the performance of institutions and sharia industry players who also encourage the development and improvement of small and medium micro enterprises (MSMEs), large, to the halal tourism sector.

It is hoped that this event can motivate sharia industry players in encouraging improvement in the economic and financial performance of both regional and national sharia in the future which will have an impact on the welfare of the nation. In judging BNI Syariah is considered to have a strong commitment to innovation in terms of financing with a variety of contracts and products owned.

BNI Syariah is also active in channeling financing in the creative sector, the halal industry, and partnering with Islamic social fund management institutions. In assessing company performance, Republika emphasizes several quantitative and qualitative assessments, such as profit, credit growth, capital adequacy ratio, non-performing financing, return on capital, expansion, financial inclusion, technological innovation, branchless bank / financial industry innovation and creativity to open access to finance for the lower middle class. (Ade)

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