Annual Report
2010
GOOD CORPORATE GOVERNANCE TATA KELOLA PERUSAHAAN
Perhitungan Nilai Komposit Bagi Bank Umum Syariah/Compliance Value Calculation for Sharia Bank
No. Faktor/Factor
Peringkat Rank (a) Bobot (%) Percentage (b) Nilai/Value (a x b) Catatan*)/Note*) 5 Pelaksanaan prinsip syariah dalam kegiatan penghimpunan dana dan penyaluran dana serta pelayanan jasa. Implementation of sharia principles in fund collection, distribution, and service 1 5,00 0,050
Pelaksanaan prinsip syariah dalam kegiatan penghimpunan dana dan penyaluran dana serta pelayanan jasa bank telah dijalankan sesuai dengan ketentuan syariah dan prinsip-prinsip GCG.
The implementation of sharia principle in fund collection, distribution and service had been done in conforming to the sharia regulation and the principles of GCG 6 Penanganan benturan kepentingan. Conflict of interest settlement 2 10,00 0,200
Bank mampu menghindari potensi terjadinya benturan kepentingan melalui kebijakan intern yang komprehensif dengan penanganan yg baik.
Bank Muamalat was able to avoid potential conflit of interest through comprehensive, internal policies with good settlement 7 Penerapan fungsi kepatuhan Bank. Implementation of Bank’s compliance functions 1 5,00 0,050
Penerapan fungsi kepatuhan bank telah dilaksanakan sesuai ketentuan yang berlaku dan berjalan dengan efektif serta dilengkapi dengan pedoman, sistem dan prosedur.
Implementation of Bank’s compliance function had been effectively done in conforming to applying laws and regulations, completed with guidelines, system, and procedures
8
Penerapan fungsi audit intern.
Implementation of internal audit functions
2 5,00 0,100
Pelaksanaan fungsi audit intern telah berjalan efektif dan sesuai dengan pedoman intern dan piagam audit intern yang berlaku.
Implementation of internal audit functions had been effectively done and in conform to applying guidelines and applying internal audit charter
9
Penerapan fungsi audit ekstern.
Implementation of external audit functions
1 5,00 0,050
Bank telah melakukan pemilihan/penunjukkan Akuntan Publik & KAP dengan memenuhi ketentuan yang berlaku dan prinsip-prinsip GCG. Akuntan Publik dan KAP yang terpilih telah melakukan tugasnya secara independen dan menyampaikan laporannya sesuai perjanjian kerja yang ditetapkan.
Bank Muamalat had appointed Public Accountant & Public accountant Office by following the applying regulations and GCG principles. Appointed Public Accountant & Public Accountant Office had independently done their tasks and submitting the report based on applying contract
10 Batas Maksimum Penyaluran Dana. Fund distribution maximum limit 1 5,00 0,050
Bank Muamalat telah menerapkan prinsip kehati- hatian dan manajemen risiko dalam memberikan penyediaan dana kepada pihak terkait.
Bank Muamalat had implemented prudence principle and risk management in providing fund to affiliated parties
11
Transparansi kondisi keuangan dan non keuangan.
Laporan pelaksanaan GCG.
Pelaporan internal. Financial and non- financial transparency. Report on GCG implementation. Internal report
2 15,00 0,300
BMI telah memenuhi GCG terhadap transparansi kondisi bank umum, transparansi produk dan pengaduan nasabah sesuai dengan ketentuan yang berlaku dan prinsip-prinsip GCG. Laporan pelaksanaan GCG telah dibuat & disampaikan kepada BI sesuai ketentuan. Sistem Informasi Manajemen terkait pelaporan internal cukup memadai dalam menyediakan informasi yang diperlukan dan dibuat sesuai ketentuan yang berlaku.
Bank Muamalat had meet GCG principles toward the transparency of general bank’s condition, product transparency, and customers’ complaints in conforming to the applicable regulations and the principles of GCG. GCG implementation report had been done and submitted to Bank of Indonesia in conforming to the term. Management Information System in relation with internal reporting sufficiently provides the information needed and had been configured in conforming to the applicable regulation Nilai KompositNilai komposit 100,00 1. 1,400400
Predikat : Sangat Baik<1,5; Baik 1,5 ≤ 2,5; Cukup Baik 2,5 ≤ 3,5; Kurang Baik 3,5 ≤ 4,5; Tidak Baik ≤ 5,0 Predicate : Very Good<1,5; Good 1,5 ≤ 2,5; Moderate 2,5 ≤ 3,5; Bad 3,5 ≤ 4,5; Worse ≤ 5,0
178
Laporan TahunanAnnual Report
2010
GOOD CORPORATE GOVERNANCE TATA KELOLA PERUSAHAAN
5.2. Pelaksanaan Prinsip Syariah Dalam Kegiatan Penghimpunan dan Penyaluran Dana, serta Pelayanan Jasa
Bank Muamalat Indonesia telah beroperasi sesuai dengan prinsip syariah dalam kegiatan penghimpunan dan penyaluran dana serta pelayanan jasa selama tahun 2010. Laporan ini telah disetujui oleh DPS dan sudah dilaporkan kepada Direktorat Perbankan Syariah Bank Indonesia. Pengawasan dan kegiatan yang dilakukan antara lain sebagai berikut:
1. Pengawasan Terhadap Proses Pengembangan Produk Bank /
Monitoring on Bank Product Development Process
No Proses Pengembangan Produk/ Product Development Process
1 Tabungan iB Haji Arafah / Hajj Arafah Saving
2 Tabungan iB Haji Arafah Plus / Hajj Arafah Plus Saving
3 Tabunganku iB / My Saving
4 Tabungan iB Muamalat / Muamalat Saving
5 Tabungan iB Muamalat Pos / Post Muamalat Saving
6 Tabungan Muamalat Sahabat / Sahabat Muamalat Saving
7 Pembiayaan iB Dana Talangan Porsi Haji (Lapor Haji) / Hajj portion Backup Funding (Hajj registering)
8 Pembiayaan iB Channeling Multifinance Muamalat / Muamalat Multifinance Channeling Funding
9 Pembiayaan iB Hunian Syariah Muamalat Kongsi / Joint Muamalat Sharia Housing Funding
10 Pembiayaan iB Hunian Syariah Muamalat Pembelian /Funding for purchasing Muamalat Sharia Housing
2. Pengawasan Terhadap Kegiatan Bank / Monitoring of Bank Activities
t Pengawasan Terhadap Penghimpunan Dana / Monitoring of Fund Collecting
No Penghimpunan Dana/ Fund Collecting
Tabungan Muamalat / Muamalat Saving Giro / Current Accounts Deposito / Deposit
1 Tabungan Ummat / Ummat Saving Giro Wadiah / Individual Wadiah
Deposito Individual Mudharabah /
Individual Mudharabah
2 Tabungan iB Haji Arafah / Arafah Hajj Saving Giro Wadiah Korporasi / Wadiah Corporate
Deposito Mudharabah Korporasi /
Corporate Mudharabah
3 Tabungan iB Haji Arafah Plus / Arafah Plus
Hajj Saving Deposito Fulinves / Fulinves
4 TabunganKu iB / My Saving
5 Tabungan Shar-e / Tabungan iB Muamalat /
Shar-e Saving / Muamalat Saving
6 Tabungan iB Muamalat Pos / Post Muamalat
Saving
7 Tabungan iB Muamalat Sahabat / Sahabat
Muamalat Saving
5.2. The Implementation of Sharia Principle in Fund Collecting and Distibution Activities and Sevices
Bank Muamalat operates in accordance to sharia principle in fund collecting and distribution and also services in 2010. The report has been approved by the Sharia Supervisory Board and submitted to Directorate Sharia Banking of Bank Indonesia. The monitoring and the conducted activities are as described below: