"Ceiling (financing) to Rp 250 million, yes. Value up from Rp 100 million, "said Director of the Directorate of Islamic Banking BI, Mulya Effendi Siregar, Friday (17/2).
Each customer can only pawn gold with a maximum value of USD 250 million financing. Draft SE pawning gold, said Mulya, already completed. SE just waiting for the publication of the legal aspects of the review process (legal review).
"Now again dilegal review in the Directorate of Legal Affairs, when it's completed and signed by staying out," he said.
In the SE, not only the financing ceilings set BI. A number of gold pledge requirement established BI among the lien (Finance to Value / FTV), the share of financing, and the amount of the lien. Islamic banks are required to give the pledge of 80 percent.
Meanwhile, mortgage financing (qardh) in Islamic banks should not exceed 20 percent of the total financing portfolio. The number of mortgage rates that have been presented in previous meetings with Islamic banks should not be more than twice.
Setting the gold pawn transactions in Islamic banks is intended to prevent speculation. In addition, gold is expected to pledge more funding for social benefit. To that end, the central bank to return the gold to finance urgent pledge to customers of the small economy.
0 comments:
Post a Comment