Ketua Dewan Pengawas Syariah
Chairman of The Sharia Supervisory Board
Board of Sharia Supervisor Report
Laporan Dewan
Pengawas Syariah
Assalamu’alaikum
warahmatullahi wabarakatuh
Para Pemangku Kepentingan dan Pemegang Saham yang Terhormat, Bismillaahirrahmaanirrahiim
Puji syukur kehadirat Allah SWT Yang Maha Mencukupi.
Shalawat dan salam semoga senantiasa melimpah atas Rasul-Nya, Muhammad SAW. Mudah-mudahan taufiq dan hidayah Allah SWT senantiasa tercurah bagi kita semua.
Perkenankan, saya mewakili Dewan Pengawas Syariah menyampaikan laporan pelaksanaan pengawasan terhadap kegiatan Bank selama tahun 2020.
Pelaksanaan Kegiatan Dewan Pengawas Syariah Tahun 2020
Dalam pelaksanaan tugas dan fungsi Dewan Pengawas Syariah pada tahun 2020, Dewan Pengawas Syariah menyampaikan rekomendasi kepada manajemen, yaitu:
No Opini Nomor
Opinion Number Tanggal Date Tentang About
1 01/DPS-BRKS/2020 26 Maret 2020 March 26, 2020 Giro iB Muharabah iB Muharabah Current Account 2 02/DPS-BRKS/2020 20 April 2020 April 20, 2020 Kegiatan Issuer Kartu Debit Debit Card Issuer Activities 3 03/DPS-BRKS/2020 28 April 2020 April 28, 2020 Aktivitas Layanan Syariah
Pendanaan & Pembiayaan
Funding & Financing Sharia Service Activities
4 04/DPS-BRKS/II/2020 8 Juli 2020 8 July 2020 Pemberlakuan Biaya Rekening Dormant untuk Produk Tabungan iB dan Giro iB
Application of Dormant Account Fees for iB Savings and iB Giro Products
5 05/DPS-BRKS/2020 14 Juli 2020 July 14, 2020 Restrukturisasi PT Pemalang Batang Tol Road (PBTR)
Restructuring of PT Pemalang Batang Tol Road (PBTR) 6 06/DPS-BRKS/2020 14 Juli 2020 July 14, 2020
Pemberian Ujrah dengan Akad Ju’alah dalam Pemasaran Pembiayaan
Giving Ujrah with Ju'alah Akad in Financing Marketing 7 07/DPS-BRKS/2020 28 Agustus 2020 28 August 2020 Pemberian hadiah (Voucher) Giving gifts (Vouchers) 8 08/DPS-BRKS/2020 16 Oktober 2020 16 October 2020 Income Smoothing untuk
Deposan Dana Pihak Ketiga Income Smoothing for Depositors of Third Party Funds 9 09/DPS-BRKS/2020 26 Oktober 2020 October 26, 2020 BPP Anti Pencucian Uang
& Pencegahan Pendanaan Terorisme (APU-PPT)
Anti Money Laundering BPP &
Prevention of Terrorism Funding (AML-PPT)
10 010/DPS-BRKS/2020 26 Oktober 2020 October 26, 2020 BPP Good Corporate
Governance BPP Good Corporate Governance 11 011/DPS-BRKS/2020 26 Oktober 2020 October 26, 2020 BPP Fungsi Kepatuhan BPP Compliance Function 12 012/DPS-BRKS/2020 26 Oktober 2020 October 26, 2020 BPP Hukum Litigasi dan BPP
Hukum Non Litigasi BPP Hukum Litigation and BPP Hukum Non Litigation 13 013/DPS-BRKS/2020 26 Oktober 2020 October 26, 2020 BPP Manajemen Risiko BPP Risk Management
Assalamu’alaikum warahmatullahi wabarakatuh
Dear Stakeholders and Shareholders, Bismillaahirrahmaanirrahiim
Praise the presence of Allah, the God Almighty. Salawat and greetings may always be abundant upon His Messenger, Muhammad SAW. Hopefully the knowledge and guidance of Allah SWT will always be poured out for us all.
Please allow me, on behalf of the Sharia Supervisory Board, to submit a report on the implementation of supervision of Bank activities during 2020.
Activities of The Sharia Supervisory Council In 2020
In carrying out the duties and functions in 2020, Sharia Supervisory Board submits recommendations to management, namely:
Tabel Pelaksanaan Kegiatan Dewan Pengawas Syariah Tahun 2020 Table of Activities of The Sharia Supervisory Council In 2020
No Opini Nomor
Opinion Number Tanggal Date Tentang About
14 014/DPS-BRKS/2020 26 Oktober 2020 October 26, 2020 BPP Akuntansi Accounting BPP 15 015/DPS-BRKS/2020 26 Oktober 2020 October 26, 2020 BPP Konversi Conversion BPP 16 016/DPS-BRKS/2020 26 Oktober 2020 October 26, 2020 BPP Manajemen Risiko
Teknologi Informasi Information Technology Risk Management BPP 17 017/DPS-BRKS/2020 26 Oktober 2020 October 26, 2020 BPP Satuan Kerja Audit Intern Internal Audit Work Unit BPP 18 018/DPS-BRKS/2020 26 Oktober 2020 October 26, 2020 SOP Admin Pembiayaan, SOP
SLIK dan SOP Laporan Bank Umum Terintegrasi
Financing Admin SOP, SLIK SOP and Integrated Commercial Bank Reports SOP 19 019/DPS-BRKS/2020 26 Oktober 2020 October 26, 2020 Rekening Giro (Nostro) Valuta
Asing Foreign Currency Demand
Deposit Account (Nostro) 20 020/DPS-BRKS/2020 11 November 2020 November 11, 2020 Kebijakan Pembiayaan Bank Bank Financing Policy 21 021/DPS-BRKS/2020 11 November 2020 November 11, 2020 BPP Pembiayaan Financing BPP 22 022/DPS-BRKS/2020 11 November 2020 November 11, 2020 BPP Penyelamatan dan
Penyelesaian Pembiayaan
Rescue and Financing Settlement BPP 23 031/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 BPP, SOP, SK, SE Pendanaan,
Jasa & Treasury
BPP, SOP, SK, SE Funding, Services
& Treasury 24 032/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 BPP Dana Dana BPP 25 033/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 BPP Jasa Services BPP
26 034/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 BPP Treasury Treasury BPP 27 035/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP Tabungan Savings SOP 28 036/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP Giro Giro SOP 29 037/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP Deposito Deposit SOP
30 038/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP Cash Deposit Machine Cash Deposit Machine SOP 31 039/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP PBB & PDL PBB & PDL SOP
32 040/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP E-Money E-Money SOP 33 041/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP E-Dapem E-Dapem SOP 34 042/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP E-Samsat E-Samsat SOP 35 043/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP Kas Cash SOP 36 044/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP EDC EDC SOP 37 045/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP Debit Debit SOP
38 046/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP Cash Management System Cash Management System SOP 39 047/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP M-Banking M-Banking SOP
40 048/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP Payroll Payroll SOP 41 049/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SKN-BI SKN-BI 42 050/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP SMS Banking SMS Banking SOP 43 051/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP BI-SSSS & ETP BI-SSSS & ETP SOP 44 052/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP Remittance Remittance SOP 45 053/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP Bank Notes Bank Notes SOP 46 054/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP RTGS RTGS SOP
47 055/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP ATM Kantor Pusat Head Office ATM SOP
No Opini Nomor
Opinion Number Tanggal Date Tentang About
48 056/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP ATM Cabang Branch ATM SOP 49 057/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP Otobanking Otobanking SOP 50 058/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP SKPD Online Online SKPD SOP 51 059/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP SP2D Online Online SP2D SOP 52 060/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP Safe Deposit Box SOP Safe Deposit Box 53 061/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SOP Layanan Prioritas Priority Service SOP 54 062/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SK Tabungan Sinar iB &
Simpeda iB SK Sinar iB & Simpeda iB Savings 55 063/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SK Laku Pandai SK Laku Pandai
56 064/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Sinar Laku Pandai SE Sinar Laku Pandai 57 065/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE iB Sinar Delima SE iB Sinar Delima 58 066/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE iB Sinar Priority SE iB Sinar Priority 59 067/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE iB Simpel SE iB Simpel 60 068/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE iB SInar Community SE iB SInar Community 61 069/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Tabungan Qurban SE Qurban Savings 62 070/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Tabungan iB Sinar SE Savings iB Sinar 63 071/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Tabungan iB Sinar
Pendidikan SE Savings iB Sinar Pendidikan 64 072/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE TabunganKu SE TabunganKu
65 073/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Sinar Belia SE Sinar Belia 66 074/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Layanan Prioritas SE Priority Service 67 075/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Cash Deposit Machine SE Cash Deposit Machine 68 076/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Sinar Wadiah Pegawai SE Sinar Wadiah Employee 69 077/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Sinar D Bos SE Sinar D Boss
70 078/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE M-Banking SE M-Banking 71 079/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE RTGS SE RTGS 72 080/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE SKN-BI SE SKN-BI 73 081/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE KU Valas SE KU Forex 74 082/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Inkaso SE Collection 75 083/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Bank Notes SE Bank Notes 76 084/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE SKPD Online SE SKPD Online 77 085/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE SP2D Online SE SP2D Online 78 086/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE E-Money SE E-Money 79 087/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE E-Dapem SE E-Dapem 80 088/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE SKPD Online SE SKPD Online 81 089/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE PBB & PDL SE PBB & PDL 82 090/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE EDC SE EDC
83 091/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Safe Deposit Box SE Safe Deposit Box
No Opini Nomor
Opinion Number Tanggal Date Tentang About
84 092/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Giro Wadiah SE Wadiah Giro 85 093/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Giro Mudharabah Valas SE Foreign Currency
Mudharabah Current Account 86 094/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Giro Mudharabah SE Mudharabah Current Account 87 095/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Deposito Bank Lain SE Other Bank Deposits 88 096/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Deposito Mudharabah Valas SE Foreign Currency
Mudharabah Deposits 89 097/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Deposito Mudharabah SE Mudharabah Deposit 90 098/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 Simpeda Syariah Simpeda Syariah 91 099/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Payroll SE Payroll 92 100/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE KPE Syariah SE KPE Sharia
93 101/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Cash Manajemen Syariah SE Cash Management Sharia 94 102/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Debit SE Debit
95 103/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Remittance SE Remittance 96 104/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE SMS Banking SE SMS Banking 97 105/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Oto Banking SE Oto Banking 98 106/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SK Tabungan Simpeda UKM SK Simpeda UKM Savings 99 107/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SK Layanan Prioritas Priority Service Decree 100 108/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SK Layanan Jasa Otobanking SK for Otobanking Services 101 109/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SK Layanan & Pedoman CDM SK CDM Services & Guidelines 102 110/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Tabungan Simpeda iB UKM SE Saving Simpeda iB UKM 103 111/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Sistem & Ketentuan Agen
Laku Pandai
SE Laku Pandai Agent System &
Conditions
104 112/Opini/DPS-BRKS/2020 11 November 2020 November 11, 2020 SE Biaya & Ketentuan Dormant SE Dormant Fees & Conditions
Komposisi dan Dasar
Pengangkatan Dewan Pengawas Syariah
Pada tahun 2020, terdapat beberapa kali perubahan komposisi Dewan Pengawas Syariah yang dilakukan atas dasar pertimbangan kebutuhan Bank. Perubahan komposisi Dewan Pengawas Syariah disajikan sebagai berikut.
NamaName Jabatan
Position Dasar Pengangkatan
Basic Appointment Tanggal Efektif
Effective date Suryan A. Jamrah Ketua
Head
Surat No. 15/5/DPbS/PAdBS/Pbr Letter No. 15/5 / DPbS / PAdBS / Pbr
Tanggal 13 Februari 2013 dan diperpanjang sampai 4 (empat) tahun terhitung tgl 13 Februari 2017 February 13, 2013 and extended to 4 (four) years starting February 13, 2017
T. Zulkarnain Anggota Member
Surat No. 15/5/DPbS/PAdBS/Pbr Letter No. 15/5 / DPbS / PAdBS / Pbr
Tanggal 13 Februari 2013 dan diperpanjang sampai 4 (empat) tahun terhitung tgl 13 Februari 2017 February 13, 2013 and extended to 4 (four) years starting February 13, 2017
Composition and Basis of Appointment of The Sharia Supervisory Council
In 2020, there were several changes in the composition of the Sharia Supervisory Board which were made based on the needs of the Bank. The changes in the composition of the Sharia Supervisory Board are presented as follows.
Komposisi dan Dasar Pengangkatan Dewan Pengawas Syariah Table of Composition and Basis of Appointment of The Sharia Supervisory Council
Periode 1 Januari – 8 April 2020 Period 1 January - 8 April 2020
NamaName Jabatan
Position Dasar Pengangkatan
Basic Appointment Tanggal Efektif
Effective date Suryan A. Jamrah Ketua
Head Surat No. 15/5/DPbS/PAdBS/Pbr Letter No. 15/5 / DPbS / PAdBS / Pbr
Tanggal 13 Februari 2013 dan diperpanjang sampai 4 (empat) tahun terhitung tgl 13 Februari 2017 February 13, 2013 and extended to 4 (four) years starting February 13, 2017
T. Zulkarnain Anggota
Member Surat No. 15/5/DPbS/PAdBS/Pbr Letter No. 15/5 / DPbS / PAdBS / Pbr
Tanggal 13 Februari 2013 dan diperpanjang sampai 4 (empat) tahun terhitung tgl 13 Februari 2017 February 13, 2013 and extended to 4 (four) years starting February 13, 2017
Zulhendri Rais Anggota
Member Surat No.SR-72/KO.053/2020
Letter No. SR-72 / KO.053 / 2020 Tanggal 08 April 2020 Date April 08, 2020
Periode 8 April – 31 Desember 2020 April 8 - 31 December 2020 Period
Penutup
Demikian Laporan Dewan Pengawas Syariah untuk tahun 2020. Kedepannya, Dewan Pengawas Syariah akan tetap komitmen dalam memastikan ketaatan pada prinsip-prinsip syariah serta kepatuhan atas peraturan perundangundangan dengan senantiasa mengingatkan kepada jajaran Manajemen Bank Riau Kepri. Dengan demikian Bank Riau Kepri dapat mencapai visi dan misi-nya dengan baik.
Wassalaamu’alaikum Wr. Wb.
Pekanbaru, 31 Desember 2020 Pekanbaru, December 31, 2020 Atas nama Dewan Pengawas Syariah, On behalf of the Sharia Supervisory Board,
Suryan A. Jamrah Ketua Dewan Pengawas Syariah Chairman of the Sharia Supervisory Board
Closing
This is the ending of Sharia Supervisory Board Report for 2020. Going forward, the Sharia Supervisory Board will remain committed to ensuring adherence to sharia principles and compliance with laws and regulations by constantly reminding the management of Bank Riau Kepri.
Thus, Bank Riau Kepri can achieve its vision and mission well Dear shareholders and other stakeholders,