Mencari
Kalimat Conditional Sentence (if-clause) mengenai perbankan atau perekonomian di
indonesia dari berbagai artikel berita:
1. If they join the effort, they can
utilize zakat and sadaqah more to enhance the economy. *Kalimat
Tipe 1
Terjemahan:
Jika
mereka ikut berusaha, mereka dapat menggunakan zakat dan sadaqah lebih
untuk meningkatkan ekonomi.
2. If the legal basis is agreed upon then
the Finance Ministry will be ready to disburse the funds for the Indonesia
Terang program. *Kalimat
Tipe 1
Terjemahan:
Jika
dasar hukum disepakati, maka kementrian keuangan akan siap mengeluarkan dana
untuk program indonesia terang
3.
If Bank Mandiri wins an infrastructure
project, we will join in the financing.
*Kalimat
Tipe 1
Terjemahan:
Jika
bank mandiri memenangkan proyek infrastruktur, kami akan bergabung dalm
pembiayaan.
4.
If the government
maintains the availability of food supplies, we will see full-year inflation
stable, even lower than currently estimated. *Kalimat
Tipe 1
Terjemahan:
Jika pemerintah mempertahankan ketersediaan pasokan pangan,
kita akan melihat inflasi setahun penuh stabil, bahkan lebih rendah dari perkiraan
saat ini.
5.
If rice stocks are
under control, March inflation will hopefully be benign as well.
*Kalimat
Tipe 1
Terjemahan:
Jika persediaan beras dibawh pengawasan, inflasi maret
mudah-mudahan berjalan lancar.
6.
If fuel prices are
adjusted or if there is an adjustment in transportation tariffs, core inflation
and volatile food inflation will surely be affected. *Kalimat Tipe 1
Terjemahan:
Jika harga BBM disesuaikan atau jika ada penyesuaian tarif
transportasi, pokok inflasi dan inflasi makanan pasti akan terpengaruh.
Disbursal Programs Deter Islamic Finance Growth IDB
Islamic
financial institutions work separately in Indonesia, making their growth
relatively stagnant compared to similar institutions in other countries despite
the potential posed by serving the world's largest Muslim population.
The
growth of sharia finance in Indonesia is stagnant at 4.8 to 4.9 percent yearly.
It has never reached above 5 percent. Thus, Islamic-based financial
institutions in Indonesia are relatively small and seen as being second rate
compared to conventional financial institutions.
"It
affects [fund] collection and distribution despite it being a potentially big
market. It makes the cost of funds at sharia banks higher than that at
conventional banks," Islamic Development Bank (IDB) Indonesia country
director Ibrahim Shoukry told thejakartapost.com in Jakarta on Saturday.
Usually,
a sharia institution functions only as an extension of a conventional bank, he
said, and therefore the infrastructure and human resource were usually not as
strong as those in its parent company.
Ibrahim
voiced support for the government’s initiative to merge state-owned Islamic
banks to expand their collection and distribution. “A bigger bank could attract
bigger investors and play a bigger role in financing, such as in issuing bigger
sukuk," Ibrahim continued.
The same principle could be applied
to zakat (mandatory alms) andsadaqah (charity)
distribution institutions. There are many professionals that disburse funds,
such as Dompet Dhuafa, LAZIZMU (under Muhammadiyah) and the PKPU (under
Nahdlatul Ulama) and semi-professionals.
"People are comfortable making
donations through people they can trust. If they join the effort, they can utilize zakat and sadaqah more
to enhance the economy," Ibrahim said. (ags)
OJK Gains Wider Access to Australia
The
government will facilitate state-owned companies to develop electricity
infrastructure in several remote areas across the country and provide as many
as 12,659 villages with access to electricity.
Energy
and Mineral Resources Minister Sudirman Said said in two weeks his ministry
would coordinate with local administrations to setup task forces for the
program Indonesia Terang (Bright Indonesia) program.
Electricity
infrastructure development in remote villages and border areas has long been
considered unfeasible economically, leaving many investors uninterested.
Lack
of human resources, funding and geographic location are factors that mean these
villages, 65 percent of which are located in six provinces in eastern Indonesia,
are without access to electricity.
“The
fact is, if electricity can be accessed in these villages then there will be
local economic growth. Local businesses will thrive and the people’s and the
country’s income will also rise,” Sudirman said in a statement on Tuesday.
“So
this can become an even wider economic movement.”
The
ministry has mulled over several possible schemes in order to implement the
program and close the economic gap, including providing infrastructure, a
feed-in tariff (FIT) and subsidized prices.
To
date, the country has a total installed power-plant capacity of about 55,000
megawatts (MW).
The
electrification ratio stood at 88 percent as of the end of last year. However,
there are numerous areas, particularly outside of Java, with lower ratios and
frequent blackouts as the demand is higher than the available capacity.
There
are several developments that the government has been pushing in order to
fulfil its ambitious program to supply an additional 35,000 MW of electricity
within five years.
Sudirman
added that in the past decade the state had spent Rp 2,600 trillion (US$197.15
billion) of state funds in the form of subsidized fuel, That funding had been
completely consumed, polluted the environment and increased the need for imports,
he said.
The
Indonesia Terang program is expected to only need to use 10 percent of the
available subsidized budget. This funding will be used for renewable energy, in
accordance with government regulation No. 79/2014 on National Energy Policy
(KEN) which stipulates that renewable energy should make up 23 percent of the
primary energy source by 2025.
Meanwhile,
Deputy Finance Minister Mardiasmo said there were three schemes that could
potentially help fund the Indonesia Terang program: specific allocation funding
for the energy sector, funding for oil and gas or the village funds.
“The
use of those funds requires a legal basis in the form of the State Budget Law,
which can be inserted in the revised state budget,” he said.
“If the legal basis is agreed upon
then the Finance Ministry will be ready to disburse the funds for the Indonesia
Terang program.”
Bank Syariah Mandiri
Recovers Profit Through Restructuring
A bank officer talks to a customer at a
Bank Syariah Mandiri branch in Central Jakarta recently. The biggest lender by
assets in the country has managed to recover its 2015 profits after
restructuring its non-performing financing.(The Jakarta Post/Jerry Adiguna)
Amid
a high non-performing financing (NPF) ratio, Bank Syariah Mandiri (BSM) has
recovered performance, translating to an increase in its net income to Rp 290
billion (US$22 million) in 2015.
President
director Agus Sudianto acknowledged that the lender experienced poor
performance in 2014 as its net income dropped to only Rp 72 billion. Burdened
by bad financing, its margin was slashed by 8 percent.
However,
he continued, the biggest Islamic bank in Indonesia by assets has restructured
many of its non-performing loans and made Rp 423 billion in cash recovery. The
margin grew 16.23 percent, from 2014 to 2015.
"The
loan restructuring is to get the bank ready for the 2016-2020 corporate plan.
We accomplished the change in 2015. The Rp 423 billion cash recovery also
exceeded our target of Rp 400 billion," Agus said in Jakarta on Wednesday.
At
the same time, he further said, the company prevented the cost of human
resources from ballooning through its efficiency program, with costs growing
only by 0.74 percent. It was significantly lower than to the 14 percent
increase in 2014.
Director
of finance Agus Dwi Handaya explained that microfinance registered an
outstanding performance with a 54 percent increase in 2015 to Rp 3.5 trillion.
For 2016, the bank aimed for more microfinancing through its branchless banking
service to reach remote areas, aside from infrastructure financing.
"Since
the government funds the infrastructure, then it is relatively safe. But, we
will follow our parent company [Bank Mandiri]. If Bank Mandiri wins an infrastructure project, we will
join in the financing," Dwi told thejakartapost.com. (ags)(+)
Low inflation
estimated for 2016
Economists expect that consumer prices will fall to the low
or middle range of the central bank’s target this year thanks to the oil price
slump, manageable food prices and a stable rupiah.
Economists contacted by The Jakarta Post forecast a range of
3.5 to 4.5 percent for the annual headline inflation rate, well within the
central bank’s 3 to 5 percent target range. Low inflation is expected to boost
people’s purchasing power amid a domestic economic slowdown.
Bank Indonesia (BI) tries to estimate inflation as part of
its policy to stabilize the rupiah. It has cut the nation’s benchmark rate by
50 basis points in two policy meetings this year, and many have said that
subdued inflation provides room for further rate cuts to stoke growth in the
country’s slowing economy.
The Central Statistics Agency (BPS) reported Tuesday that
Indonesia saw 0.09 percent deflation in February, bringing the year-to-date
inflation rate to 0.42 percent and year-on-year figure to 4.42 percent.
Bank Mandiri economist Andry Asmoro said that full-year
inflation would most likely orbit around the low range of 4.2 percent to 4.5
percent, also below the 4.7 percent forecast set by the government within the
2016 state budget, backed by price cuts in several components such as food and
energy, both of which make up a significant portion in the overall inflation
rate.
“The government seems to be doing quite well now in
distributing food. Distribution, as you know, is key for controlling prices in
Indonesia,” Andry added. Food materials make up for the biggest contributor to
inflation, BPS data shows.
According to last year’s statistics, the list of contributors
to inflation was dominated by food materials such as rice, shallots, broiler
chicken, fresh fish and garlic.
Their prices have been known to skyrocket at times due to
insufficient domestic supply, forcing the government to import those materials.
In January, for instance, imports of cereal jumped 35.2
percent on a monthly basis and 86.3 percent on annual basis.
Kenta Institute economist Eric Sugandi attributed imports as
the reason behind falling food prices, which in February posted 0.58 percent
deflation month-to-month.
“If the
government maintains the availability of food supplies, we will see full-year
inflation stable, even lower than currently estimated,” Eric said,
setting his own forecast at 3.5 percent to 4 percent for 2016.
In terms of energy, both economists said that the recent fuel
and electricity price cuts had led to quite significant deflation for the past
two months against the backdrop of falling global oil prices.
State electricity company Perusahaan Listrik Negara (PLN) and
state-run oil and gas firm PT Pertamina announced Tuesday that they would cut
down prices further because of the stable exchange rate and low global oil
prices.
“I suspect energy prices will remain low throughout the year
because no significant uptick will be seen in global oil prices in the near
future,” said Eric.
Bank Central Asia (BCA) chief economist David Sumual said
that inflation should remain subdued as the country entered rice harvest
months, especially as oil prices remained weak and the rupiah stayed stable.
However, higher inflation is expected in March, when
infrastructure projects will start to create multiplier effects across various
economic sectors, said BPS deputy head of distribution and service statistics
Sasmito Hadi Wibowo.
“These projects can keep economic activity going and pump up
people’s purchasing power,” he added.
http://www.thejakartapost.com/news/2016/03/02/low-inflation-estimated-2016.html#sthash.EiO6SSg4.dpuf
BI sees Consumer Prices
Falling in February
Bank Indonesia (BI) expects the consumer price index (CPI) to
fall by around 0.13 percent in the course of February due to decreasing food
prices. Meanwhile, year-on-year inflation is predicted to sit at 4.38 percent.
BI executive director Juda Agung said that according to the
latest survey conducted by the central bank, the expected monthly deflation in
February was driven by lower prices of staple commodities.
"Several goods that recorded steeply rising prices in
January have [become cheaper] in February. The decline in electricity prices
has also taken effect. If rice
stocks are under control, March inflation will hopefully be benign as well,"
he said in Jakarta on Friday.
Juda explained that February usually saw relatively low inflation
due to seasonal factors. Assuming that there were no policies affecting public
goods such, as fuel price changes, the first quarter of the year would
typically score relatively low inflation.
Despite the late rice-planting season from March to April, he
assumed that inflation could be maintained at moderate levels, as long as rice
stocks were under control. "So, we must be concerned about the stock
issue," Juda said.
He further explained that the central bank projected
full-year inflation to fall to 4 percent in 2016, driven by the plunge in oil
prices to US$37 per barrel. The fuel price adjustment would help keep inflation
at a low level.
"If
fuel prices are adjusted or if there is an adjustment in transportation
tariffs, core inflation and volatile food inflation will surely be affected,"
he explained, adding that the new estimate was lower than the 4.7 percent
inflation assumption in the 2016 state budget. (ags)
