This Province Had the Largest Sharia Financing in August 2022

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Adi Ahdiat 10/01/2023 17:30 WIB

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According to OJK data, in August 2022, sharia financing was most concentrated in DKI Jakarta, reaching Rp183 trillion, or approximately 39% of the national total.

Financing Value of Sharia Commercial Banks and Sharia Business Units by Province (August 2022)

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Financing Value of Sharia Commercial Banks and Sharia Business Units by Province (August 2022)

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According to data from the Financial Services Authority (OJK), the total value of financing from Islamic commercial banks and Islamic business units in Indonesia reached Rp470 trillion in August 2022.

The region receiving the largest amount of Islamic financing was DKI Jakarta, with a value of Rp183 trillion, consisting of financing for working capital (Rp74 trillion), investment (Rp56 trillion), and consumption (Rp52 trillion).

West Papua received the least amount of Islamic financing, with details as shown in the graph.

Islamic commercial banks are banks that operate based on Islamic principles. An Islamic business unit is a working unit of a conventional commercial bank that specifically conducts banking business based on Sharia (Islamic law).

Islamic financing contracts consist of several types, including murabahah, mudharabah, and ijarah.

Murabahah is a contract for the sale of goods, where the seller states the purchase price to the buyer, and the buyer pays a higher price including the seller's profit as agreed upon.

Mudharabah is a business partnership contract between two parties, where the first party (shahib mal) provides all the capital, and the second party (mudharib) acts as the manager, and the profits are shared according to agreement.

Ijarah is a contract for the transfer of the right to use a good for a certain period with the payment of rent (ujrah), without transferring ownership of the good.

Like general financial institutions, various types of Islamic financing contracts can be used for working capital, investment, and consumption purposes.

In August 2022, national Islamic financing was mostly channeled for consumption, with a value of Rp240 trillion. Financing for working capital was approximately Rp127 trillion, and for investment, Rp101 trillion.

Editor : Adi Ahdiat

"Disclosure: This is an AI-generated translation of the original article. We strive for accuracy, but please note that automated translations may contain errors or slight inconsistencies."

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This Province Had the Largest Sharia Financing in August 2022

This Province Had the Largest Sharia Financing in August 2022

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This Province Had the Largest Sharia Financing in August 2022

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