JAKARTA - Bank Indonesia ( BI ) has given the green signal for Islamic banks to provide financing ownership of gold products ( PKE ) using a murabaha contract ( sale and purchase in installments ) . However , some rules must be met in order not subject to sanctions when the product is running . What is it?
Rules contained in the SE Number 14/16/DPbS about PKE BI launched late last month said the Sharia Bank or Sharia ( UUS ), which will distribute the products PKE must obtain prior approval from the BI .
" Sharia Bank or UUS shall report the realization of products PKE spending a maximum of 10 days after issuance of the PKE product , " as stated in the SE signed by Deputy Governor of the Bank Halim Alamasyah .
Ordinances, requirements , and related documents for approval of products PKE BI refers to the provision governing Islamic Banking products and UUS . BI requires Islamic Bank and UUS explain orally and in writing PKE product characteristics .
Starting from the requirements of prospective customers , the cost to be charged , the amount of advances to be paid customer , expedited settlement procedure , procedure for settlement of arrears in installments or in the event the customer can not pay , until the rights and obligations of customers in the event of execution of collateral gold .
Islamic Bank and UUS run PKE products before obtaining permission from the Bank shall be liable to a written warning and financial penalty . For Islamic Banks and UUS , which imposed a maximum fine of Rp 35 million , while for Sharia Rural Bank ( SRB ) up to Rp 5 million .
As for Sharia Bank or UUS which run PKE products not be terminated pursuant to its PKE products .
For Sharia Bank or UUS which has been approved by the BI run PKE products before the enactment of this SE is an existing contract is still valid and can not be extended . In addition, the bank or UUS asked not to serve a new customer to get approval from Bank Indonesia PKE products .(Tribunnews.com)
No comments:
Post a Comment