Annual Report
2010
SIGNIFICANT EVENTS PERISTIWA PENTING 4. 5.No. April / April
4. KIPRAH KARTINI DALAM INDUSTRI KEUANGAN SYARIAH : Deputi Gubernur Bank Indonesia, Muliaman D. Hadad bersama Direktur Bank Muamalat Luluk Mahfudah menjadi pembicara dalam Dialog “Membangun Ketahanan Usaha Perbankan Syariah”. Dalam dialog yang mengambil tema Kiprah Srikandi- Srikandi dalam Industri Perbankan Syariah di Indonesia ini, Luluk Mahfudah menyampaikan peluang dan tantangan yang dihadapi industri keuangan syariah mulai dari aspek Teknologi Informasi (IT), Sumber Daya Manusia (SDM), Modal, hingga Regulasi. Acara ini dilaksanakan bertepatan dengan Hari Kartini (21/4) di Jakarta.
EVER-GROWING ROLES OF WOMEN IN SHARIA FINANCIAL INDUSTRY : Deputy Governor of Bank Indonesia, Muliaman D. Hadad, along with Director of Bank Muamalat, Luluk Mahfudah, were the speakers in the dialog “Membangun Ketahanan Usaha Perbankan Syariah” (Business Sustainability in Sharia Banking). In the dialog, which discussed the theme Roles of Women of Strength in Sharia Banking Industry in Indonesia, Luluk Mahfudah mentioned the opportunities and challenges faced by sharia financing industry, from the aspects of information technology, human resources, capital to regulations. The event was held in Jakarta on 21 April 2010, the date which also marked Kartini Day in Indonesia.
5. DELEGASI RUSIA KUNJUNGI BANK MUAMALAT
Direktur Bank Muamalat, Farouk A Alwyni (paling kanan) menjelaskan layanan kepada Head of International Tax Practice Pepeleaev Rusia, Roustam Vakhitov (kedua kiri); Ketua Kadin Indonesia Komite Rusia, Didie W Soewondho (paling kiri); dan Paul Wouters, pengacara dari Bener Law Office (Belgia); di Jakarta, Senin (19/4). BMI memfasilitasi pengusaha Indonesia di acara International Exhibition For Halal Product and Services yang digelar di Moscow, Rusia, pada Juni 2010.
RUSSIAN DELEGATION VISITED BANK MUAMALAT: Director of Bank Muamalat, Farouk A. Alwyni (far right) explained the types of services to Head of International Tax Practice Pepeleaev Rusia, Roustam Vakhitov (second from Left); Head of Indonesian Chamber of Commerce, Russia Committee, Didie W. Soewondho (far Left); and Paul Wouters, a lawyer from Bener Law Office (Belgium) in Jakarta on Monday 19 April 2010. BMI acted as the facilitator for Indonesian businesspeople during International Exhibition For Halal Product and Services held in Moscow, Russia, in June 2010.
No. Mei / May
6. Direktur Bank Muamalat Farouk A. Alwyni (kanan) menandatangani nota kesepahaman (MoU) bersama CEO Elaf Bank Bahrain, Jamil El-Jaroudi. Melalui MoU ini Bank Muamalat mengembangkan arrangement pasar keuangan syariah di Bahrain. Pioneer perbankan syariah ini juga telah bekerjasama dengan Elaf Bank dalam sindikasi fasilitas pembiyaan ijarah bagi industri penerbangan senilai USD31 juta bersama perbankan syariah lain.
Director of Bank Muamalat, Farouk A. Alwyni (Right) signed an MOU with CEO of Elaf Bank, Bahrain, Jamil El-Jaroudi. With this MOU Bank Muamalat expanded the bank’s sharia financial market arrangement to Bahrain. The Bank also cooperates with Elaf Bank, and with other sharia banks, in facilitating ijarah funding for aviation industry totaling USD 31 million.
7. KERJASAMA LINTAS BENUA : Direktur Utama Bank Muamalat, Arviyan Arifin (tengah) menandatangani MoU bersama Chief Executive Officer of Asian Finance Bank, Datuk Mohamed Azahari Kamil (kanan). Sementara AFB langsung diwakili oleh CEO induk bisnisnya (Qatar Islamic Bank), Salah Al-Jaidah (kiri) pada acara World Islamic Economic Forum (WIEF) ke-6 di Kuala Lumpur, Malaysia. Penandatanganan MoU untuk pengembangan produk Pendanaan Likuiditas Syariah, Sukuk Global dan Surat berharga Syariah bagi pasar Indonesia ini disaksikan oleh Presiden Susilo Bambang Yudhoyono (SBY), PM Malaysia Najib Tun Razak dan 5 Kepala Pemerintahan dari Negara lainnya yaitu Raja Brunei, PM Bangladesh, Presiden Kosovo, Presiden Senegal, dan Presiden Maldive
INTERCONTINENTAL COOPERATION : President Director of Bank Muamalat, Arviyan Arifin (center) signed an MOU with Chief Executive Officer of Asian Finance Bank, Datuk Mohamed Azahari Kamil (right). AFB was represented by the Bank’s core business CEO (Qatar Islamic Bank), Salah Al- Jaidah (left) during the 6th World Islamic Economic Forum (WIEF) in Kuala Lumpur, Malaysia. The MOU contained details on developing products of Sharia Liquidity Funding, Global Sukuk and Sharia securities for Indonesian market. The event was attended by President Susilo Bambang Yudhoyono of Indonesia, PM Najib Tun Razak of Malaysia, Sultan of Brunei Darussalam, Bangladeshi Prime Minister, President of Kosovo, President of Senegal and President of The Maldives.
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Laporan TahunanAnnual Report
2010
SIGNIFICANT EVENTS PERISTIWA PENTING
No. Juli / July
8. BIDIK NASABAH RASIONAL: Direktur Bank Muamalat Andi Buchari (tengah) dan Wakil Pemimpin Bank Indonesia Denpasar, I Gusti Made Sadguna (paling kiri) menyaksikan pemukulan gong oleh Wakil Walikota Denpasar, I Gusti Ngurah Jayanegara sebagai tanda relokasi kantor cabang ke Jalan Teuku Umar, Denpasar, Bali untuk tingkatkan Dana Pihak Ketiga (DPK) nasabah asing dan non-muslim di wilayah tersebut. Acara ini disertai dengan penyerahan bantuan oleh BaitulMaal Muamalat (BMM) berupa dana pendidikan untuk 100 orang pelajar SD berprestasi, paket sembako buat 100 orang masyarakat kurang mampu, serta layanan kesehatan gratis bagi masyarakat setempat.
TARGETING CUSTOMERS WITH SENSIBLE JUDGMENTS: Director of Bank Muamalat, Andi Buchari (center) and Vice Chairman of Bank Indonesia’s Denpasar, I Gusti Made Sadguna (far left) witnessed the vice mayor of Denpasar offices, I Gusti Ngurah Jayanegara, sound the gong, marking the relocation of BMI branch office to Jalan Teuku Umar, Denpasar, Bali. The move is part of the Bank’s strategy to collect third party funds from more foreign and non-muslim customers in the area. In the event the management handed over aid through BaitulMaal Muamalat (BMM) in the form of education funds for 100 elementary students with high achievements, staples for 100 underprivileged families and free health services for the community.
8.
No. Agustus / August
9. BIDIK SEKTOR PROPERTI : Direktur Bank Muamalat, Adrian A. Gunadi (paling kanan) menekan tombol menandai Peluncuran Produk Pembiayaan Hunian Syariah Muamalat bersama Ketua DPD Asosiasi Perumahan Sederhana Indonesia (APERSI) Jawa Timur, Nurhadi (paling kiri), Sekertaris DPD Real Estate Indonesia (REI) Jawa Timur, H.M. Nur Wakhid (kedua kiri), dan Area Manager Bank Muamalat Wilayah Jawa Timur, Bali & Nusa Tenggara, Setiabudi di Surabaya. Sampai akhir semester I 2010, portofolio pembiayaan sektor properti yang disalurkan Bank Muamalat telah mencapai lebih dari Rp 2 triliun, atau mengalami peningkatan lebih dari 11% dibanding posisi Desember 2009.
TARGETING PROPERTY SECTOR : Director of Bank Muamalat, Adrian A. Gunadi, (far right) pushing the button marking launch of, Peluncuran Produk Pembiayaan Hunian Syariah Muamalat (Sharia Muamalat Home Financing Product) with chairman of APERSI (Indonesian Low-Cost Housing Association), East Java chapter, Nurhadi (far left), Secretary of REI (Indonesian Real Estate Association) East Java chapter, H.M. Nur Wakhid (second left), and Area Manager of Bank Muamalat for East Java, Bali and Nusa Tenggara, Setiabudi, in Surabaya. As of end of the first quarter of 2010, the Bank’s portfolio recorded IDR 2 trillion of funding for property sector. This is an increase of more than 11% from December 2009.
10. GARAP PEMBIAYAAN AUTOMOTIF: Direktur Utama Bank Muamalat, Arviyan Arifin (kedua kiri) bertukar naskah Perjanjian Kerjasama dengan Direktur Utama Alijarah Indonesia Finance (ALIF), Herbudhi S. Tomo (kedua kanan) disaksikan oleh Direktur Bank Muamalat Adrian A. Gunadi (paling kiri) dan Direktur Alijarah Indonesia Finance, Efrinal Sinaga (paling kanan) di Jalarta (30/8). Melalui kerjasama dengan ALIF garap Automuamalat yang merupakan produk pembiayaan kendaraan bermotor berbasis syariah berjangka waktu maksimal 4 tahun.
EXPANSION TO AUTOMOTIVE FINANCING : President Director of Bank Muamalat, Arviyan Arifin (second from left) exchanged MOU documents with President Director of Alijarah Indonesia Finance (ALIF), Herbudhi S. Tomo (second from right), witnessed by Director of Bank Muamalat, Adrian A. Gunadi (far left) and Director of Alijarah Indonesia Finance, Efrinal Sinaga (far right) in Jalarta (30/8). With the MOU, BMI cooperates with ALIF in sharia-based automotive financing scheme with the maximum terms of up to four (4) years.