{"id":2013,"date":"2023-05-26T07:00:18","date_gmt":"2023-05-26T07:00:18","guid":{"rendered":"https:\/\/xanderia.com\/?p=2013"},"modified":"2023-05-29T07:45:16","modified_gmt":"2023-05-29T07:45:16","slug":"strengthening-islamic-banking-resilience-diversifying-beyond-commodity-based-contracts","status":"publish","type":"post","link":"https:\/\/xanderia.com\/my\/blog\/2023\/05\/26\/strengthening-islamic-banking-resilience-diversifying-beyond-commodity-based-contracts\/","title":{"rendered":"Pengukuhan Daya Tahan Perbankan Islamik: Kepelbagaian Produk Melangkaui Kontrak Yang Berasaskan Komoditi"},"content":{"rendered":"

Pengukuhan Daya Tahan Perbankan Islamik: Kepelbagaian Produk Melangkaui Kontrak Yang Berasaskan Komoditi<\/h4>
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Sumber Gambar <\/span>https:\/\/www.centralbanking.com\/awards\/7954452\/risk-manager-bank-negara-malaysia<\/span><\/a><\/p>\n<\/div><\/section>\n

Perbankan Islam, berpegangkan dengan prinsip dan amalan yang unik, akan terus berkembang untuk memastikan keupayaan menghadapi kejutan bekalan global dan arus pegerakan naik turun pasaran komoditi. Bank Negara Malaysia (BNM) menekankan keperluan untuk kepelbagaian daripada kontrak syariah yang berasaskan komoditi, khususnya tawarruq, yang digunakan secara meluas dalam urus niaga perbankan Islam. Dengan mengurangkan konsentrasi dalam tawarruq dan meneroka kontrak bukan berasaskan komoditi, industri ini bertujuan untuk mengukuhkan kestabilannya dan mengurangkan risiko yang berkaitan dengan turun naik harga komoditi yang tidak stabil.<\/span><\/p>\n

Urus niaga Tawarruq bergantung kepada kepelbagaian komoditi seperti minyak sawit mentah, damar plastik, logam, getah, minyak mentah dan komoditi digital. Walau bagaimanapun, kelemahan yang wujud terhadap turun naik harga komoditi global menimbulkan cabaran. BNM mengakui gangguan yang disebabkan oleh ketidakstabilan harga, seperti penggantungan perdagangan nikel pada awal tahun 2022. Sebagai tindak balas, bank Islam secara aktif mencari komoditi alternatif atau meneroka kontrak Syariah lain untuk memastikan operasi tidak terganggu.<\/span><\/p>\n

Untuk tujuan ini, industri perbankan Islam telah mengembangkan kontrak Syariah alternatif, terbukti daripada kadar pertumbuhan tahunan kompaun yang menggalakkan sebanyak 6.2% dalam kontrak bukan berasaskan komoditi sejak tiga tahun lalu. Inovasi produk yang sedang dilaksanakan di seluruh bank Islam, menunjukkan komitmen mereka terhadap kepelbagaian komoditi. Sebagai contoh, perkongsian yang semakin berkurangan (musharakah mutanaqisah) diguna pakai untuk memudahkan pembiayaan bagi hartanah yang siap dan dalam pembinaan. Produk akaun pelaburan berasaskan kontrak agensi (wakalah) dan kontrak perkongsian untung rugi (mudarabah) semakin mendapat tarikan sebagai alternatif kepada deposit berasaskan tawarruq.<\/span><\/p>\n

Tambahan pula, BNM mengetengahkan usaha berterusan untuk meneroka penggunaan wakalah sebagai kontrak Syariah pilihan untuk penempatan antara bank antara bank Islam. Inisiatif ini bertujuan untuk mengurangkan pergantungan kepada tawarruq dan mengukuhkan daya tahan industri dalam menghadapi kelemahan pasaran komoditi.<\/span><\/p>\n

Melalui pengembangan kontrak Syariah bukan berasaskan komoditi dan penerokaan produk inovatif, industri perbankan Islam secara proaktif menguruskan penghantaran kelemahan yang dikaitkan dengan tawarruq. Dengan mempelbagaikan sumber pembiayaan dan mengurangkan risiko konsentrasi, bank Islamik menyasar untuk meningkatkan kestabilan mereka, menggalakkan pertumbuhan yang stabil, dan mengharungi cabaran yang ditimbulkan oleh dinamik pasaran komoditi global.<\/span><\/p>\n

Baca Dengan Lebih Lanjut: https:\/\/www.sinardaily.my\/article\/193188\/malaysia\/national\/islamic-banking-industry-seeks-to-grow-alternatives-to-commodity-based-shariah-contract—bnm\u00a0<\/a><\/p>\n<\/div><\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":2014,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[4],"tags":[47,33,46],"class_list":["post-2013","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-malaysia-islamic-finance-news","tag-islamic-banking","tag-islamic-finance","tag-shariah"],"aioseo_notices":[],"yoast_head":"\nDiversifying Beyond Islamic Banking 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