Perkembangan Bank Islam di Bangladesh

Syahruddin Yasen

Abstract


Tepat pada 14 Maret 1983, Bank Islam Bangladesh secara total mengantarkan sebuah paket pelayanan perbankan. Bank Islam Bangladesh Persero (IBBL) menjadi bank pertama kali di Asia yang mempersoalkan bunga bank. IBBL adalah perusahaan perseroan milik publik yang bertanggungjawab di bawah perusahaan Act, 1913, yang merupakan perusahaan bank joint venture multinasional dengan 64% saham dibagikan kepada penyerta modal asing. Rasio pembagian saham dilakukan dengan perbandingan 36-54%, pada Desember 1997. Artinya, 36% nisbah untuk bank dan 54% untuk penabung atau investor, sehingga menjadi bank Islam yang memiliki stabilitas keuangan yang baik. IBBL sebagaimana bank Islam lainnya, juga berhadapan masalah modal dan likuiditas. Namun IBBL tetap menjaga stabilitas keuangan (financial stability) serta pengawasan dan supervisi oleh bank sentral terhadap bank yang beroperasi menurut syariah (controlling and supervision by the central bank on the basis of Islamic Syariah), serta selalu menganut prinsip-prinsip dan prosedur laporan keuangan (accounting principles and procedures).

Kata kunci: likuiditas, stabilitas keuangan, bank syariah

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