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BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
3. 21 Juli 2011 di ajang “ Rekor Bisnis 2011”
Perseroan mendapatkan penghargaan sebagai Bank Umum Syariah Pertama yang
Meluncurkan Tabungan Bisnis dengan Sistem Syariah
.
4. 3 Agustus 2011 di ajang “ Investor Award
2011” Perseroan mendapatkan penghargaan sebagai Best Syariah Bank
2011 peringkat ke-5.
5. 14 September 2011 di ajang “ Annual
Report Award 2010” Perseroan berhasil menduduki peringkat ke-10 untuk kategori
Private Keuangan Non Listed .
6. 29 September 2011 di ajang “ Property
Bank Award 2011” Perseroan menerima penghargaan sebagai bank syariah predikat
baik kategori The Most Favourite Service Quality Product for Shariah Banking
.
7. 10 November 2011 di ajang “ The 8
th
Islamic Finance Award Nite 2011” yang digelar Karim Business Konsulting,
Perseroan mendapatkan penghargaan untuk kategori-kategori berikut:
• 3
rd
Rank – The Best Quality Service •
3
rd
Rank – The Best Customer Service •
3
rd
The Most Efficient – Islamic Full Fledge Bank
• 3
rd
Rank The Most Prudent–Islamic Full Fledge Bank
.
3. July 21, 2011 in the “ Business Record
2011” event, the Company received recognition as The First Commercial
Islamic Bank that Launches a Business Saving with Sharia System.
4. August 3, 2011 in the “ Investor Award
2011” event, the Company received acknowledgment on the 5
th
rank on Best Islamic Bank 2011.
5. September 14, 2011 in the “ Annual Report
Award 2010” the Company manage to take the 10
th
rank on the Non Listed Private Financial category.
6. September 29, 2011 in the “ Property
Bank Award 2011” the Company achieve recognition as the best sharia bank in The
Most Favourite Service Quality Product for Shariah Banking category.
7. November 10, 2011 in “ The 8
th
Islamic Finance Award Nite 2011” event which is
held by Karim Business Consulting, the Company achieve recognition for these
next categories:
• 3rd Rank – The Best Quality Service
• 3rd Rank – The Best Customer Service
• 3rd The Most Efficient – Islamic Full
Fledge Bank •
3rd Rank The Most Prudent–Islamic Full Fledge Bank.
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
18
pengurus bank syariah bukopin
the management of bank syariah bukopin
Berdasarkan
hasil Keputusan Rapat Umum Pemegang Saham
RUPS Perseroan, tanggal 12 Maret 2010, yang dituangkan
dalam Akta Nomor 11 tanggal 25 Maret 2010 dan dibuat oleh
Adrian Djuaini, S.H., notaris, di Jakarta, susunan Dewan
Komisaris, Direksi, dan Dewan Pengawas Syariah Perseroan
adalah sebagai berikut:
Based on the decision from General Meeting of Shareholders AGM of the Company, dated
March, 12, 2010, as outlined in Deed No. 11
dated March, 25, 2010 and made by Adrian Djuaini, S.H., notary, in Jakarta, the
composition of the Board of Commissioners, the Board of Directors, and Sharia Supervisory
Board of the Company are following:
19
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
20
Dewan Komisaris Board of Commissioners
Komisaris Utama Sudarmin Sjamsoe, S.E.
Terpilih menjadi Komisaris Utama Perseroan sejak 12 Maret 2010.
Kariernya di bidang perbankan dimulai sejak 1986. Sudarmin
Sjamsoe merupakan alumnus Universitas Indonesia UI, Depok,
Jawa Barat, dengan gelar sarjana ekonomi.
President Commissioner Sudarmin Sjamsoe, S.E.
Selected as President Commissioner of the Company
since March 12, 2010. His career in banking industry started since
1986. Sudarmin Sjamsoe is an alumni of University of Indonesia,
Depok, West Java, where he received his bachelor in
Economics.
Komisaris Independen DR. Hajriyanto Y. Thohari, M.A.
Menjabat sebagai Komisaris Independen Perseroan sejak
September 2008. Sebelumnya ia menjabat sebagai Komisaris PT
Bank Persyarikatan Indonesia BPI sejak 2001. Di bidang akademik,
pria ini adalah peraih gelar doktor ilmu antropologi dari Universitas
Indonesia UI, Depok.
Independent Commissioner DR. Hajriyanto Y. Thohari, M.A.
He assumed the post of Indepen- dent Commissioner of the Company
since September 2008. Prior to that, since 2001, Hajriyanto was the
Commissioner of PT Bank Persyarikatan Indonesia BPI. In
academic area, he has completed his doctoral degree from the
Department of Anthro pology from the University of Indonesia, Depok,
West Java.
Komisaris Independen Prof. DR. Bambang Setiaji, M.Si.
Menjabat sebagai Komisaris Independen Perseroan sejak Maret
2008. Sebelum nya, sejak 2006, ia merupakan Komisaris PT Bank
Persyarikatan Indonesia BPI. Gelar akademik nya adalah doktor ilmu
ekonomi yang didapat dari Universitas Gadjah Mada UGM,
Yogyakarta.
Independent Commissioner Prof. DR. Bambang Setiaji, M.Si.
He has been in charge as an Inde- pendent Commissioner at the
Company since March 2008. Previously, since 2006, Bambang
Setiaji assumed the post as a Commissioner at the PT Bank
Persyarikatan Indonesia BPI. In academic area, he has completed
study and received his doctoral degree in Economics from Gadjah
Mada University in Yogyakarta.
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BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Direksi Board of Directors
Direktur Utama Riyanto
Menjabat sebagai Direktur Utama Perseroan sejak September 2008. Kariernya di industri
perbankan dimulai sejak 1988, yaitu di PT Bank Bukopin, Tbk. Ia merupakan sarjana akuntansi
lulusan Fakultas Ekonomi Universitas Padjadjaran Unpad, Bandung.
President Director Riyanto
He has assumed the post as President Director for the Company since September 2008. His
career as a banker began when he got a job with PT Bank Bukopin, Tbk. in 1988. Riyanto is
an alumni from the faculty of Economics from the Padjadjaran University in Bandung, West
Java, where he received his bachelor in Accountancy.
Direktur Bisnis Harry Harmono Busiri
Terpilih sebagai Direktur Bisnis Perseroan pada 12 Maret 2010. Sebelumnya ia
menjabat sebagai Komisaris Utama Perseroan sejak Desember 2008. Kariernya
di bidang perbankan dimulai sejak 1986, yaitu di PT Bank Bukopin, Tbk. Harry
merupakan alumnus Universitas Padjadjaran Unpad, Bandung, dengan titel sarjana
peternakan.
Business Director Harry Harmono Busiri
Selected as Business Director of the Company since March 12, 2010. Previously,
he assumed the post as President Commissioner of the Company since
December 2008. His career in banking industry started since 1986 when his first
worked in PT Bank Bukopin, Tbk. Harry Harmono Busiri is an alumni and a graduate
of Animal Husbandary, Padjadjaran University, Bandung, West Java.
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
22
Direktur Operasi dan Pelayanan Ruddy Susatyo
Terpilih sebagai Direktur Operasi dan Pelayanan Perseroan pada 12 Maret 2010.
Karier lulusan Universitas Indonesia UI dengan gelar sarjana ekonomi di bidang
perbankan ini dimulai sejak 1987, yaitu di PT Bank Bukopin, Tbk.
Operation and Service Director Ruddy Susatyo
Appointed as Operation and Service Director of the Company since March 12, 2010. He is
an alumni and a graduate of Economy from University of Indonesia. His career in banking
started when he joined PT Bank Bukopin, Tbk. in 1987.
Direktur Kepatuhan dan Manajemen Risiko Eriandi
Menjabat sebagai Direktur Kepatuhan dan Manajemen Risiko Perseroan pada 12 Maret
2010. Sebelumnya ia menjabat sebagai Direktur Bisnis Perseroan sejak 2008. Kariernya di
bidang perbankan dimulai sejak 1991, yaitu di PT Bank Bukopin, Tbk. Eriandi adalah lulusan
Institut Teknologi Bandung ITB, Bandung, dengan titel sarjana teknik industri.
Compliance and Risk Management Director Eriandi
He has been in charge as Compliance and Risk Management Director since March 12, 2010.
Previously, he assumed the post as Business Director of the Company since March 2008. His
career in the banking industry started in 1991 when he first worked for Bank Bukopin. In
academic area, Eriandi received his bachelor degree from Industrial Engineering from
Bandung Institute of Technology, Bandung, West Java.
23
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Dewan Pengawas Syariah Sharia Supervisory Board
Ketua Dewan Pengawas Syariah Prof. DR. H.M. Din Syamsudin, M.A.
Terpilih dan menjabat sebagai Ketua Dewan Pengawas Syariah Perseroan sejak Desember
2008. Di bidang akademik, Din Syamsudin merupakan peraih gelar doktor program
interindepartemen dari University of California, Los Angeles, Amerika Serikat. Di samping
jabatan tersebut, saat ini ia menjabat sebagai Ketua Umum Pimpinan Pusat PP
Muhammadiyah dan sebagai Wakil Ketua Umum Majelis Ulama Indonesia MUI.
Sharia Supervisory Board Chairman Prof. DR. H.M. Din Syamsudin, M.A.
He was chosen as The Chairman of Sharia Supervisory Board of the Company since
December 2008. He s got his doctorate degree from Interindepartment Program from
University of California, Los Angeles, USA. Aside from that position, right now he served
as General Chairman of the Central Executive PP of Muhammadiyah and as Vice Chairman
of the Indonesian Ulama Council MUI.
Anggota H. Ikhwan Abidin Basri, M.A.
Terpilih dan menjabat sebagai Anggota Dewan Pengawas Syariah Perseroan sejak
Desember 2008. Di bidang akademik, Ikhwan Abidin merupakan peraih gelar master pada
International Institute of Islamic Economics, International Islamic Unversity Islamabad,
Pakistan. Saat ini Ikhwan Abidin aktif sebagai Anggota Kelompok Kerja Pokja Perbankan
Dewan Syariah Nasional Majelis Ulama Indonesia DSN–MUI.
Member H. Ikhwan Abidin Basri, M.A.
He was elected as the member of Sharia Supervisory Board at the Company since
December 2008. In academic field, Ikhwan Abidin is a master graduate on International
Institute of Islamic Economics, International Islamic University IIU, Islamabad, Pakistan.
Currently Ikhwan Abidin is an active Member of the Banking Working Group of the National
Islamic Council of Ulama Indonesia DSN- MUI.
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
24
message from the president commissioner
sambutan komisaris utama
Sustainability.
” The Company sustainability has grow and run in accordance with the existing rules, and continue to become a healthy Islamic
bank. This achievement in 2011 can not be separated from the commitment and management that has been done by Board of Directors.
25
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Assalamu’alaikum warahmatullahi wabarakatuh
Salam sejahtera bagi kita semua
Puji
dan syukur kita panjatkan kepada Allah SWT, pemilik dan pemelihara alam semesta,
karena atas segala rahmat dan karunia-Nya jualah hingga saat ini nikmat yang kita rasakan
tidak pernah berhenti.
Di tengah lingkungan global yang masih diwarnai stagnasi dan ketidakpastian, perekonomian
Indonesia berkembang cukup baik dan menunjukkan ketahanannya terhadap kejutan
eksternal, di mana pertumbuhan mencapai 6,5 dengan inflasi 3,79 .
Selain itu, dengan naiknya peringkat utang Indonesia menjadi investment grade, akan
meningkatkan kepercayaan investor untuk berinvestasi di Indonesia. Sejalan dengan
kondisi ekonomi domestik, perkembangan industri perbankan syariah di Indonesia
berkembang pesat atau tumbuh sebesar 47,5 , sehingga pangsa pasarnya meningkat menjadi
3,7 dari total aset perbankan nasional. Hal ini menunjukkan bahwa pelayanan perbankan
syariah makin luas tersebar di seluruh Indonesia.
Walaupun Perseroan baru beroperasi belum genap 3 tiga tahun, pertumbuhan bisnis
Perseroan pada 2011 dapat dikatakan cukup baik. Total aset Perseroan pada 2011 meningkat
sebesar 24,4 atau menjadi sebesar Rp 2,73 triliun. Sedangkan, pembiayaan yang berhasil
diberikan adalah sebesar Rp 1,92 triliun, tumbuh sebesar 18,95 . Sementara itu, dana pihak
ketiga DPK yang berhasil dihimpun mencapai Rp 2,29 triliun, atau tumbuh sebesar 41,30 jika
dibandingkan dengan 2010 yang sebesar Rp1,62 triliun.
Dewan Komisaris juga melaporkan bahwa sepanjang 2011 telah berusaha
mengimplementasikan good corporate governance
GCG sesuai ketentuan dengan
Assalamu’alaikum warahmatullahi wabarakatuh
Best wishes for us all
Praise
and gratitude we pray toward Allah SWT, the owner and caretaker of the universe,
because for all His blessings and grace to this step that we feel everlasting pleasure.
Amid the global environment which still marked with stagnation and uncertainty, Indonesia s
economy developed quite well and showed the resistance to external shocks, in which the
growth has achieved 6.5 with 3.79 inflation.
In addition, the increase of Indonesia’s debt rating has become investment grade, will
increase investor confidence to invest in Indonesia. In line with domestic economic
conditions, the development of Islamic banking industry in Indonesia, growing rapidly or grew
by 47.5, so the market share has rose to 3.7 from total national banking assets. This
has shown that the Islamic banking services has more widely spread throughout Indonesia.
Even though the Company has not yet operating for 3 three years, the Company’s
business growth in 2011 was quite good. Total assets of the Company in 2011 increased by
24.4 or become Rp2.73 trillion. Meanwhile, the successful financing given was Rp1.92
trillion, grew by 18.95. Meanwhile, third-party funds DPK, which was collected, has reached
Rp 2.29 trillion, or grew by 41.30 compared to 2010 which amounted to Rp1.62 trillion.
The Board Of Commisioners has also reported that throughout 2011The Board Of
Commisioners has been trying to implement good corporate governance GCG in
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
26
dukungan tiga komite. Hal tersebut bertujuan untuk mengoptimalkan, memperbaiki,
melengkapi, dan mengkoreksi berbagai kekurangan guna memenuhi prinsip-prinsip tata
kelola perusahaan yang baik dapat terimplementasi, baik oleh Dewan Direksi
ataupun karyawan.
Pada 2012, diperkirakan pertumbuhan yang tinggi pada perbankan syariah di Indonesia
masih akan berlanjut, walaupun perekonomian global, khususnya Amerika Serikat AS dan
Eropa masih dibayangi oleh krisis dan perlambatan pertumbuhan ekonomi. Di lain
pihak, persaingan industri perbankan syariah akan makin kompetitif, sehingga memerlukan
strategi yang tepat dan tata kelola bisnis yang lebih baik untuk mencapai target yang telah
disepakati. accordance with the support of three
committees. It aims to optimize, repair, equip, and correcting various deficiencies in order to
comply with the principles of good corporate governance that can be implemented, either by
the Board of Directors or employees.
In 2012, an estimated high growth in Islamic banking in Indonesia still continue, despite
global economy, particularly in the United States U.S. and Europe are still overshadowed
by the crisis and slow economic growth. On the other hand, competition in Islamic banking
industry will be more competitive, so it takes the right business strategy and governance to
achieved the agreed target.
27
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Akhir kata, Dewan Komisaris mengucapkan terima kasih kepada manajemen Perseroan,
pejabat eksekutif, dan karyawan atas dedikasi dan kerja samanya selama setahun ini sehingga
Perseroan bisa tumbuh seperti sekarang. Kami juga mengharapkan prestasi ini bisa ditingkatkan
pada 2012 untuk mencapai target yang telah disepakati bersama. Dan, tentunya juga kami
berterima kasih kepada seluruh nasabah, pemegang saham, dan stakeholder lainnya atas
dukungan dan kepercayaan yang diberikan kepada Perseroan.
Semoga, apa yang kita kerjakan mendapatkan ridho
dari Allah SWT dan membawa kebaikan bagi kita semua. Amin
Wa billahit-taufiq wal hidayah Wassalamualaikum warahmatullahi wabara-
katuh Finally, the Board of Commissioners would like
to thank the management of the Company, executive officers, and employees for their
dedication and cooperation during this year so the Company can grow as it is now. We also
expect this achievement can be improved in 2012 to achieve the agreed target. And, of
course we also thank all our customers, shareholders and other stakeholders for their
support and trust given to the Company.
Hopefully, what we do obtain the blessing from Allah SWT and good for us all. Amin
Wa billahit-taufiq wal hidayah Wassalamualaikum warahmatullahi
wabarakatuh
Jakarta, 31 Desember 2011 Jakarta, December 31, 2011
Sudarmin Sjamsoe, S.E.
Komisaris Utama President Commissioner
Sudarmin Sjamsoe S E
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
28
message from the president director
sambutan direktur utama
Optimal.
“ In the future the Company will explore much more
opportunities and those market through implementing business strategy
optimization, so the Company growth will be more accelerative and higher
quality.
29
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Assalamu’alaikum wa rahmatullahi wa barakatuh,
Puji
syukur kami panjatkan kepada Allah SWT atas kinerja Perseroan yang baik
sepanjang 2011. Di tengah guncangan krisis utang Eropa dan Amerika Serikat AS, ekonomi
nasional sejauh ini tetap tumbuh positif. Di saat bersamaan, Perseroan juga berhasil mencapai
kinerja baik, seperti harapan pemegang saham dan seluruh stakeholders.
Makro-Ekonomi
Jika dicermati, sepanjang 2011 ada semacam dikotomi antara kondisi makro-ekonomi global
dan nasional, khususnya antara kondisi makro- ekonomi di negara-negara maju, Eropa, dan AS
yang mengalami turbulensi ekonomi dengan negara-negara emerging market, yang justru
tetap mampu menjaga pertumbuhan ekonominya dengan baik.
Demikian juga dengan perekonomian Indonesia yang tetap tumbuh. Ekonomi Indonesia pada
2011 relatif lebih baik daripada 2010. Ekonomi nasional pada 2011 tumbuh 6,5 , lebih tinggi
dibandingkan dengan pertumbuhan tahun sebelumnya yang 6,1 .
Kondisi yang baik tersebut pada akhirnya berdampak positif pada industri perbankan
nasional. Sampai dengan akhir Desember 2011, kredit dan penghimpunan DPK secara year on
year
yoy masing-masing mengalami pertumbuhan sebesar 24,59 dan 19,07
dibandingkan dengan periode yang sama 2010.
Perbankan Syariah Nasional
Seiring dengan membaiknya kondisi ekonomi nasional, kinerja perbankan syariah juga terus
membaik. Beberapa indikator kinerja perbankan syariah per Desember 2011 menunjukkan hal
tersebut. Di antaranya, capital adequacy ratio CAR perbankan syariah mencapai 15,37 , non
Assalamu’alaikum wa rahmatullahi wa barakatuh,
Praise
to Allah SWT the almighty for the good performance of the Company throughout
2011. In the midst of crisis shocks from Europe and the United States U.S. debt, national
economy so far manages to grow positively. At the same time, the Company has also managed
to achieve good performance, as hoped by shareholder and stakeholders.
Macro-Economy
If observed, there’s a sort of dichotomy between the state of global and national macro-economy
throughout 2011, especially between the macro- economy condition in developed countries like
in Europe and the US which are going through economical turbulence, with emerging market
countries, which manage to keep their economy grow positively.
However, Indonesia’s economy keeps growing. Indonesia’s economy in 2011 is relatively better
than in 2010. The national economy in 2011 grows as much as 6.5, a bit higher compared
to Indonesia’s economy growth in 2010 that’s only 6.1.
That good record eventually impacted positively to national banking industry. Until the end of
December 2011, credit and accumulation of third party funds by year on year individually
grows as much as 24.59 and 19.07 compared to the same period in 2010.
National Islamic Banking
Along with the improvement of the national economy condition, Islamic banking
performance also manages to improve. This fact was indicated by Islamic banking performance
indicator by December 2011, such as Islamic banking’s Capital Adequacy Ratio CAR reaches
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
30
performing financing NPF 2,52 , dan financing
deposit ratio FDR 91,41 .
Pada akhir 2011 terjadi kenaikan aset perbankan syariah sebesar 49,17 , dari Rp97,52 triliun
pada 2010 menjadi Rp145,47 triliun pada 2011. Peningkatan aset tersebut pada akhirnya
meningkatkan pangsa pasar perbankan syariah nasional menjadi 3,98 pada akhir 2011.
Peningkatan aset perbankan syariah nasional diikuti pula dengan pertumbuhan pembiayaan
dan penghimpunan DPK—masing-masing tumbuh sebesar 50,56 dan 51,79 atau
secara nominal jumlahnya menjadi Rp102,66 triliun dan Rp116,42 triliun.
Pengelolaan risiko industri perbankan syariah juga makin baik. Hal itu tercermin dari rasio
pembiayaan bermasalah terhadap total pembiayaan atau NPF industri perbankan
syariah yang menurun dari 3,02 menjadi 2,52 per Desember 2011. Selain karena
perbaikan kualitas pembiayaan, kinerja industri perbankan syariah juga meningkat berkat
peningkatan kepercayaan masyarakat terhadap sistem syariah yang dinilai makin baik.
Eksistensi Perseroan, di kancah industri perbankan syariah nasional yang relatif baru
tidak menghalangi Perseroan untuk terus berkarya dan memberikan hasil terbaik.
Perseroan terus melakukan penguatan di bidang TI, SDI, dan berbagai proses bisnis, baik di
bidang mana jemen internal maupun bidang usaha, seperti penghimpunan dana, pembiayaan,
dan bidang lain yang mendatangkan fee based income
. Seiring dengan meningkatnya kepercayaan
masyarakat dan stakeholders industri perbankan syariah, Perseroan membuka dua cabang baru,
yakni di Makassar dan Solo. Peningkatan kepercayaan itu pada praktiknya tercermin dari
penunjukan Perseroan sebagai Lembaga Keuangan Syariah–Peserta Wakaf Uang LKS-
PWU dan Bank Penerima Setoran–Biaya Penyelenggaraan Ibadah Haji BPS-BPIH oleh
15.37, non performing financing NPF reaches 2.52, and financing deposit ratio
FDR reaches 91.41.
At the end of 2011, there’s an increase of Islamic banking asset as big as 49.17 from
Rp97.52 trillion in 2010 to Rp145.47 trillion in 2011. That asset enhancement eventually
increases national Islamic banking market share to 3.98 in the end of 2011. The increase of
national Islamic banking assets also followed with the increase of financing and accumulation
of DPK, which individually grow as much as 50.56 and 51.79, or in nominal grows to
Rp102.66 trillion and Rp116.42 trillion.
The risk management of Islamic banking industry also improves. This can be indicated
from the decrease of problematic financing ratio towards the financing total or Islamic
banking industry NPF, from 3.02 to 2.52 by December 2011. In addition to the improvement
of financing quality, the Islamic banking industry performance also improves because of
higher community trust towards the sharia system that is getting better review.
The Company’s existence, in the national Islamic banking industry is relatively new. But
this doesn’t make the Company to stop performing and giving the best result.
The Company keeps on reinforcing themselves in the field of IT, HR, and other business
process, whether in the field of internal management or in the business field, such as
fund accumulation, financing, and other fields that brings in fee based income.
Along with the increase of community’s and stakeholder’s trust towards Islamic banking
industry, the Company is opening two new branches, in Makassar and Solo. The increase
of community’s trust can also be indicated from the designation of the Company as Sharia
Financial Institution-Money Endowment Participants Lembaga Keuangan Syariah-
Peserta Wakaf UangLKS-PWU and Beneficiary
31
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Kementerian Agama Republik Indonesia serta dilakukannya kerja sama payment point online
banking PPOB dengan PT PLN Perusahaan
Listrik Negara dan kerja sama dengan Pimpinan Pusat Muhammadiyah.
Realisasi Pencapaian
Pada 31 Desember 2011 secara year to year aset Perseroan tumbuh 24,43 menjadi Rp2,73
triliun dari Rp2,19 triliun pada 31 Desember 2010. Pertumbuhan aset tersebut lebih baik
dibandingkan dengan akhir 2010 yang tumbuh 11,09 .
Selain meningkat dari sisi aset, pada 2011 Per- seroan berhasil meningkatkan DPK menjadi
Rp2,29 triliun atau tumbuh 41,30 dibandingkan dengan akhir 2010 yang hanya Rp1,62 triliun.
Hal yang sama juga terjadi di bidang pembiayaan. Pada akhir 2011 pembia yaan yang
diberikan Perseroan tumbuh 18,95 menjadi Rp1,92 triliun dari Rp1,61 triliun pada akhir
2010. Sementara, pada 2011 rasio pembiayaan bermasalah terhadap total pembiayaan sebesar
1,74 dan total pembiayaan terhadap DPK mencapai 83,66 .
Pencapaian usaha Perseroan makin lengkap dengan peningkatan laba bersih Perseroan. Pada
31 Desember 2011 laba bersih Perseroan mencapai Rp12,209 miliar
atau tumbuh 19,30 dari tahun sebelumnya yang sebesar Rp10,23
miliar. Pada 2011 CAR Perseroan pun kian membaik, yakni 15,29 , jauh di atas ketentuan
CAR minimum yang ditetapkan pemangku
otoritas perbankan yang sebesar 8 . Pencapaian usaha tersebut merupakan
keberhasilan dan kontribusi segenap pihak dalam menerapkan strategi usaha pasca-spin
off. Strategi usaha yang ditempuh Perseroan
sepanjang 2011 adalah 1 pengembangan usaha dengan fokus pada sektor UMKM, 2
mengembangkan usaha komersial, 3 mengembangkan usaha konsumer, 4
menyediakan jasa-jasa fee based kepada nasabah, 5 memperkuat teknologi dan jaringan
Bank Deposit-Hajj Operation Costs by Ministry of Religious Affairs, and also by the cooperation
with PT PLN for payment point online banking PPOB and the cooperation with the Central
Executive of Muhammadiyah.
Achievement Realization
By December 31, 2011, by year to year, the Company’s assets grows as much as 24.43
from Rp 2.19 trillion on December 31, 2010 to Rp 2.73 trillion. This asset growth improve
compared to the end of 2010 which grew as much as 11.09.
In addition to asset growth, in 2011 the Company also manages to increase DPK as
much as 41.30 from Rp 1.62 trillion at the end of 2010 to Rp 2.29 trillion. The same thing
also happens in financing. At the end of 2011 the Company’s financing grow as much as
18.95 from Rp 1.61 trillion in the end of 2010 to Rp 1.92 trillion. Meanwhile, in 2011 the
problematic financing ratio towards the total financing problem is 1.74 and financing total
towards DPK reaches 83,66.
The Company’s business achievement is even more complete with the increase of the
Company’s net income. In December 31, 2011, the Company net income reaches Rp 12.209
billion or grew as much as 19.30 from the previous year which reached Rp10.23 billion. In
2011, The Company CAR also improves as much as 15.29, way above the minimum CAR
provision determined by the banking authorities, which is 8.
These Business Achievement has become the success and contribution from all division in
implementing the business strategy of post- spin off. The business strategy pursued by the
Company during 2011 were 1 business development with focus on MSMEs sector, 2
develop commercial business, 3 developed consumer business, 4 provided fee-based
services to customers, 5 reinforced the technology and network services, 6 strengthen
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
32
pelayanan, 6 memperkuat SDI, 7 peningkatan kualitas pengelolaan risiko dan kepatuhan, 8
penanganan pembiayaan bermasalah.
Momentum Tumbuh
Perseroan menilai, peluang dan potensi pasar perbankan syariah di Tanah Air masih terbuka
luas. Oleh karena itu, Perseroan ke depan akan memanfaatkan peluang dan pasar tersebut
dengan sebaik-baiknya melalui optimalisasi implementasi strategi usaha sehingga
pertumbuhan bisnis Perseroan makin akseleratif dan berkualitas.
Pada 2012 hal-hal strategis yang akan menjadi konsentrasi manajemen dan segenap pihak di
Perseroan dalam melakukan percepatan
human resources HR, 7 improved the quality of risk management and compliance, 8
handling non performing financing.
Growing Momentum
The Company asses that the opportunity and potential of Islamic banking market in Indonesia
is still wide open. So, in the future the Company will leverage that opportunity and
market as much as possible through the optimization of business strategy
implementation so that the Company’s business will grow in accelerative and in quality.
In 2012, the strategic things that will be the focus of the management and all other party in
the Company in accelerating the Company’s
33
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
pencapaian usaha adalah 1 mempercepat pertumbuhan bisnis, 2 memiliki portofolio
pembiayaan yang berkualitas, 3 fokus terhadap sumber dana murahritel, 4 melakukan
revitalisasi outlet melalui pengem bang an bisnis area, 5 meningkatkan fee based income, 6
melakukan efisiensi dalam pengelolaan operasional bank, 7 mengembangkan SDI yang
berkualitas; dan 8 meningkatkan fungsi internal kontrol.
Direksi tak henti-hentinya berpesan agar semua pihak di Perseroan melakukan empat hal
penting yang menjadi kata kunci dalam setiap proses usaha yang dilakukan, yakni bekerja
keras, meningkatkan kompetensi, menjaga integritas, dan selalu berdoa kepada Allah SWT.
Akhir kata, Direksi berharap, segenap karyawan mampu meningkatkan etos kerja. Dengan
persaingan bisnis yang kian ketat, ke depan Perseroan harus tetap mampu mencapai target
yang telah disepakati bersama. Selain itu, Per- seroan harus mampu memberikan produk dan
layanan terbaiknya kepada nasabah maupun stakeholders
lainnya agar selalu menjadi bank syariah pilihan masyarakat.
Wa billahit-taufiq wal-hidayah Wasalamu’alaikum warahmatullahi wa
barakatuh. business achievement were 1 accelerating
business growth 2 having a good quality financing portfolio 3 focusing on cheapretail
fund source, 4 doing outlet revitalization through development of business area, 5
increasing the fee based income, 6 increasing the efficiency in managing the bank’s
operational, 7 developing quality human resources, and 8 increasing the function of
internal control.
The Board of Directors, keep remind all party in the Company to do four important things that
has become the keyword in all business attempt to be done, which is work hard,
increase the competition, keeping the integrity, and keep on praying to Allah SWT.
In the end, the Board of Directors hopes that all employees can improve their work ethic. With
the business competition getting more and more stiff, in the future the Company should
always be able to achieve the target that we all agree in. In addition, the Company must also
gives the best products and services for the customers and other stakeholders, so that it
will always be the people s choice of islamic banks.
Wa billahit-taufiq wal-hidayah Wassalamualaikum wa rahmatullahi wa
barakatuh.
Jakarta, 31 Desember 2011 Jakarta, December 31, 2011
Riyanto
Direktur Utama President Director
Ja
Riyanto
Direktur Utama Director
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
34
message from the chairman of sharia supervisory board
sambutan ketua dewan pengawas syariah
Trust.
” Slowly but sure, the Company will be come famous Islamic bank in this country. The growth that
continously to improve will become a good sign that level of trust from customer of the Company have increased.
35
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Assalamu’alaikum warahmatullahi wa barakatuh
Bismillahirohmanirrohim
Mari
kita panjatkan puji syukur ke hadirat Allah SWT karena berkat rahmat dan hidayah-
Nya kita masih diberi karunia melimpah. Selawat serta salam kita tujukan kepada junjungan nabi
akhir zaman, Muhammad SAW, beserta keluarga dan sahabatnya.
Sepanjang 2011, situasi global dan domestik masih diisi dengan suasana ketidakpastian
ekonomi akibat krisis keuangan yang melanda AS dan negara-negara di kawasan Eropa pada
kurun waktu tiga tahun terakhir. Namun demikian, kita bersyukur, dampak krisis
keuangan tersebut terhadap perekonomian Indonesia relatif rendah.
Kendati demikian, peran perbankan syariah di negeri ini harus terus didorong, baik oleh
pemerintah, regulator perbankan—dalam hal ini Bank Indonesia BI, Dewan Syariah Nasional-
Majelis Ulama Indonesia DSN-MUI, maupun para pelakunya. Regulasi yang diterbitkan
sedapat mungkin bisa menciptakan suasana yang benar-benar kondusif bagi industri
perbankan syariah di Tanah Air.
Secara umum, perkembangan perbankan syariah pada 2011 cukup bagus. Keadaan tersebut
dalam praktiknya mampu dimanfaatkan dengan baik oleh Perseroan sehingga dapat tumbuh
dengan baik pula. Dalam waktu yang relatif singkat, Perseroan dapat eksis di kancah industri
perbankan syariah nasional. Kenyataan tersebut dapat dilihat dari indikator kinerja Perseroan
yang terus membaik dan meningkat serta perolehan berbagai penghargaan prestisius dari
pihak-pihak yang kredibel di industri perbankan syariah nasional.
Ke depan, kami selaku DPS Perseroan optimistis, Perseroan dapat menjadi salah satu
pemain utama di industri perbankan syariah
Assalamu’alaikum warahmatullahi wa barakatuh
Bismillahirohmanirrohim
Praise
is to Allah SWT, because of Allah’s blesses, and we could still feel the joy and
pleasure of life. Shalawat and blessings to prophet, Muhammad SAW, his family and
friends .
Throughout 2011, the global and domestic situation was still hit with economical
uncertainty resulted by financial crisis that has stricken United State U.S and countries in
Europe in the last three years. However, we are grateful that the impact of that financial crisis
towards Indonesia’s economy is still relatively low.
Even though, the role of Islamic banking in this country should always be supported, both by
the government, banking regulator in this case Central Bank of Indonesia, National Sharia
Board-Indonesian Council of Ulema, and also by its components. Regulations that were
published should be able to create a truly conducive situation for Islamic banking industry
in the nation.
Generally, the development of Islamic banking in 2011 was pretty good. This situation in practice
was able to be leveraged well by the Company, so it could grow well too. In a relatively short
time, the Company manage to be exist in the national Islamic banking industry. That fact can
be observed from the Company’s performance indicator that keeps improving and the
achievement of several prestigious awards from credible parties in the national Islamic banking.
In the future, we, as the Sharia Supervisory Board of the Company is optimistic that the
Company will be able to be one of the main
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
36
nasional. Perlahan tapi pasti, Perseroan akan menjadi bank syariah terkemuka di negeri ini.
Pertumbuhan yang terus membaik dewasa ini dapat menjadi pertanda bahwa tingkat
kepercayaan segenap nasabah Perseroan semakin meningkat.
Di lain sisi, potensi dan perkembangan usaha Perseroan sangat terbuka. Apalagi dengan
dukungan yang kuat dari seluruh pemilik modal dan para mitra usaha. Misalnya, dengan
terciptanya ikatan emosional yang kuat dengan Muhammadiyah yang notabene merupakan salah
satu organisasi Islam yang besar di Tanah Air. Selain adanya penempatan dana
Muhammadiyah, ke depan tentu masih ada potensi untuk memperbesar kerja sama di
bidang ekonomi lainnya.
Sebagai bagian dari perjalanan bisnis dan pertumbuhan Perseroan, sepanjang 2011, kami
selaku DPS Perseroan telah menjalankan tugas dengan cukup baik.
Sepanjang 2011, kami terus mendukung upaya manajemen untuk mengembangkan usaha
Perseroan, seperti pendirian beberapa cabang baru. Selain itu, kami sampaikan pula bahwa
selama 2011 komunikasi yang dibangun antara DPS Perseroan dengan manajemen Perseroan
berjalan baik.
Intinya, dari perspektif pengawasan tidak ada hal yang fundamental. Selama 2011, kami tetap
memantau dan memastikan praktik usaha dan produk serta layanan yang diberikan Perseroan
sesuai dengan fatwa DSN-MUI. Hal-hal yang demikian harus terus-menerus diperhatikan
secara saksama oleh manajemen dan segenap karyawan Perseroan. Tidak hanya di kantor
pusat, tapi juga di kantor cabang yang tersebar di sejumlah wilayah.
Terkait dengan tidak adanya perangkat DPS Perseroan hingga ke bawah dalam melakukan
pengawasan, dalam menjalankan tugasnya DPS Perseroan melakukan pengawasan secara
random
. Walau tidak ada permasalahan players in the nation’s Islamic banking industry.
Slowly but sure, the Company will be the leading Islamic bank in this country. The growth
that keeps improving lately can be the indicator that the level of trust of the Company’s
consumers is continuously increasing.
On the other side, the potential and development of the Company’s business is
wide open, especially with the strong support from the whole capital owners and partners.
For instance, with the creation of deep emotional bond with Muhammadiyah as one of
the big Islamic organization in the country. Besides the placement of Muhammadiyah
funds, in the future there are still opportunity to magnify the cooperation in other fields of
economy.
As part of the Company’s business journey and growth, we as the Sharia Supervisory Board of
the Company has done a pretty good job throughout 2011.
Throughout 2011, we keep on supporting the management efforts to expand the Company’s
business, for instance the establishment of several new branches. In addition, we also
convey that the communication that is built between the Sharia Supervisory Board of the
Company with the Company’s management throughout 2011 was going pretty well.
The point is, in the perspective of monitoring, there isn’t any fundamental trouble. Throughout
2011, we keep monitored and ensured that the business practice and the products and
services that were given by the Company was in accordance with the fatwa of National Sharia
Board-Indonesian Council of Ulema. These principals need to be monitored carefully by the
management and all of the Company’s employees. Not only in the head office, but also
in the branch offices that are spread on several areas.
Related to the absence of the Sharia Supervisory Board downwards in doing the
monitoring, in doing its job the Sharia Supervisory Board always did a random
monitoring. Even though there are no
37
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
fundamental dari segi kepatuhan terhadap kesyariatan, kami berharap, ada peningkatan
kinerja dari tahun ke tahun.
Akhir kata, kepada Dewan Komisaris, Direksi, dan segenap karyawan Perseroan, kami
berpesan untuk bekerja lebih maksimal dan tunaikan kewajiban dengan sebaik-baiknya. Satu
hal yang perlu terus dipahami adalah prinsip syariah tidak hanya diterapkan dalam produk
dan layanan perbankan yang diberikan kepada nasabah, tapi juga dalam perilaku kita sehari-
hari.
Dengan demikian, apa yang dikerjakan memiliki nilai lebih dan menjadi amal yang akan
diperhitungkan pada hari akhir nanti. Kami ingin, segenap keluarga besar Perseroan dapat terus
memelihara momentum pertumbuhan bisnis dan kemajuan yang telah dicapai, dan terus
mengupayakan peningkatan yang berkelanjutan.
Wabilahit-taufiq walhidayah Wassalamu’alaikum warahmatullahi
wabarakatuh fundamental trouble from the side of obedience
to the sharia, we hope there will be work ethic improvement from year to year.
In the end, to the Board of Commissioner, the Board of Directors, and all of the employees of
the Company, we instruct the Company to work even harder and carry out their obligation well.
One thing that need to be understand is that the sharia principal is not only implemented in
the banking products and services we give to our consumers, but also in our daily behavior.
Thus, what we are doing have more valueable and will be a good deed that will be accounted
for on our last day. Hopefully, the Company’s big family can maintain its progress and its
business growth momentum that has been made, and keep on trying to make continuous
improvements.
Wa billahit-taufiq wal-hidayah Wassalamualaikum wa rahmatullahi wa
barakatuh.
Jakarta, 31 Desember 2011 Jakarta, December 31, 2011
Prof. DR. H.M. Din Syamsuddin, M.A.
Ketua Dewan Pengawas Syariah Sharia Supervisory Board Chairman
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
38
macro economic i nancial highlight
tinjauan makro ekonomi dan keuangan
Precise.
Efforts conducted by the Company throughout 2011 has precisely proved in encouraging the growth of assets, financing, fund
raising, and increased profits.
39
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Kendati
kondisi ekonomi global mengalami tekanan akibat krisis utang Amerika Serikat AS
dan Eropa, perekonomian nasional tetap bergerak sesuai dengan harapan para pelaku
industri keuangan di Tanah Air. Kinerja perekonomian nasional yang terus membaik
tersebut diakui oleh lembaga rating internasional. Terbukti dengan dilakukannya upgrading
peringkat sovereign Indonesia dari BB+ menjadi BBB- oleh lembaga pemeringkat internasional,
Fitch Rating
, pada akhir 2011. Upgrade
yang dilakukan Fitch Rating berdasarkan pada peningkatan kinerja
perekonomian, likuiditas eksternal yang lebih kuat, rasio public debt yang rendah dengan tren
yang terus menurun, serta kebijakan makro yang berhati-hati. Kenaikan peringkat tersebut
mengantarkan Indonesia masuk dalam kategori investment grade
. Dengan demikian, utang pemerintah ataupun swasta dianggap memiliki
risiko yang relatif rendah untuk gagal bayar. Hasil pencapaian kinerja ekonomi nasional
tersebut semakin membuka peluang Indonesia menjadi negara tujuan investasi. Apalagi, kinerja
perekonomian nasional tersebut dicapai di tengah upaya negara-negara maju melakukan
perbaikan terhadap kondisi ekonomi mereka.
Sepanjang 2011, perekonomian Indonesia tumbuh cukup baik, yakni sebesar 6,5 ; rasio
utang terhadap produk domestik bruto PDB berada pada angka 26 ; dan defisit anggaran
berada di bawah angka 2,5 . Indikator ekonomi lainnya juga mendukung kinerja positif ekonomi
nasional. Di antaranya, laju inflasi yang cukup rendah, yakni sebesar 3,79 , dengan nilai tukar
rupiah yang terjaga pada kisaran Rp8.779 per US dan hanya mengalami depresiasi sebesar
0,81 terhadap dolar AS.
Kinerja positif juga berhasil dicetak pasar modal nasional. Meskipun Indeks Harga Saham
Despite
the global economic situation that face deep pressure due to the debt crisis of the
United States U.S. and Europe, the national economy continue to rise move along with the
expectations of the financial industry in the country. The improvement of national economic
performance has been recognized by international rating agencies. It was proven by
the upgrading Indonesia’s sovereign rating from BB + to BBB- by the international rating
agency, Fitch Ratings, at the end of 2011.
Fitch Ratings upgrades was conducted based on improvement on economic performance, a
stronger external liquidity, the low ratio of public debt with a trend that continues to
decline, and the policy of prudent macro. The increase was led Indonesia ranked in the
category of investment grade. Thus, private or government debt is considered to have
relatively low risk of default.
Achievement of national economic performance raises the possibility that Indonesia become an
investment destination. Moreover, the performance of the national economy is
achieved in the middle of an efforts in improving economic condition in development
countries.
Throughout 2011, Indonesia’s economy grew quite well, namely by 6.5, the ratio of debt to
gross domestic product GDP stands at 26 and the budget deficit under 2.5 rate. Other
economic indicators of the national economy also support the positive performance. Among
others are, the inflation rate is quite low, equal to 3.79, with the exchange rate which
maintained in the range of Rp8.779 per US and only depreciated by 0.81 against the U.S.
dollar.
Positive performance also successfully achieved in the national capital market.
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
40
Gabungan IHSG sempat mengalami penurunan tajam pada Agustus dan September 2011,
perlahan IHSG berhasil rebound dan pada akhir 2011 ditutup pada angka 3.821. IHSG pada 2011
juga sempat mencapai titik tertinggi, yakni di atas 4.000. Pada 2011 Bursa Efek Indonesia
BEI pun tercatat sebagai salah satu bursa paling atraktif di Asia.
Sejalan dengan perbaikan pertumbuhan ekonomi dan pasar modal nasional, sektor perbankan juga
mencatat pertumbuhan yang cukup baik. Hingga akhir Desember 2011, pembiayaan dan
penghimpunan DPK secara year on year yoy masing-masing mengalami pertumbuhan sebesar
24,59 dan 19,07 dibandingkan dengan periode yang sama 2010. Per Desember
2011 perbankan nasional berhasil membukukan laba
bersih sebesar Rp97,07 triliun atau tumbuh sebesar 27,49 dari periode yang sama tahun
sebelumnya.
Dari sisi permodalan, rasio kecukupan modal atau CAR perbankan pada Desember 2011 masih
di atas ketentuan, yakni sebesar 16,05 . Pada periode yang sama, LDR perbankan cenderung
meningkat, yaitu menjadi 78,77 dari periode sebelumnya yang sebesar 75,21 . Rasio kredit
bermasalah NPL gross perbankan juga semakin membaik, yakni sebesar 2,17 . Pada periode
yang sama tahun sebelumnya, NPL perbankan tercatat sebesar 2,56 .
Perkembangan Industri Perbankan Syariah
Sejumlah kinerja positif berhasil diraih industri perbankan syariah. Hingga akhir 2011, jumlah
BUS mencapai 11 bank dan jumlah UUS mencapai 24 UUS. Demikian pula dengan bank
pembiayaan rakyat syariah BPRS yang jumlahnya mencapai 155.
Kontribusi positif ditunjukkan volume usaha perbankan syariah. Pada 2011 volume usaha
perbankan syariah mengalami pertumbuhan yang cukup tinggi, yakni 49,17 atau menjadi sebesar
Rp145,47 triliun dari Rp97,52 triliun pada akhir
Although the Stock Exchange Index Composite SEIC had declined sharply in August and
September 2011, SEIC slowly managed to rebound by the end of 2011 and closed at
3,821 points. SEIC in 2011 had also reached its highest point, which is above 4,000. In 2011
Indonesia Stock Exchange IDX was listed as one of the most attractive markets in Asia.
In line with improved growth of the economy and national capital markets, banking sector
has also record good growth. Until the end of December 2011, financing and the collec tion of
third party funds DPK year-on-year yoy respectively grew by 24.59 and 19.07
compared to the same period in 2010. As of December 2011 the national banking had net
profit of Rp97.07 trillion, or grew by 27.49 from the same period on the previous year.
In terms of capitalization, capital adequacy ratio or CAR on December 2011 was still in certitude
position, which equal to 16.05. In the same period, loan to deposit ratio LDR banks tend
to increase, rise to become 78.77 from the previous period which is 75.21. The ratio of
banking nonperforming loans NPL gross also improved, which equal to 2.17. In the same
period on the previous year, banking NPL stood at 2.56.
The development of Islamic Banking Industry
A number of positive performance achieved by the Islamic banking industry. By the end of
2011, the number of Islamic Commercial Bank BUS has reached 11 banks and the number of
Sharia Business Unit UUS has reached 24 UUS. Not to mention Sharia Rural Bank BPRS
which reach an amount of 155.
Positive contribution was demonstrated by the number of Islamic banking business volume. In
2011 the Islamic banking business volume has grown quite high, which has reached 49.17 or
to become Rp145.47 trillion from Rp97.52
41
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
2010. Market share perbankan syariah nasional pun meningkat menjadi 4 pada akhir 2011.
Tingginya pertumbuhan volume usaha tersebut diikuti dengan pertumbuhan positif pada pem-
bia yaan dan DPK perbankan syariah nasional yang pada 2011 masing-masing tumbuh sebesar
50,56 dan 51,79 atau secara nominal masing-masing mencapai Rp102,66 triliun dan
Rp115,42 triliun. Dari komposisinya, pembiayaan akad murabahah masih mendominasi, yakni
sebesar 54,91 .
Secara umum, beberapa indikator rasio keuangan perbankan syariah per Desember 2011
juga tergolong baik. Antara lain, CAR perbankan syariah mencapai 15,37 , non performing
financing
NPF 2,52 , dan financing deposit ratio
FDR 91,41 .
Tinjauan Keuangan
Kinerja Perseroan menunjukkan perkembangan yang sejalan dengan pertumbuh an dan
perkembangan industri perbankan syariah nasional. Upaya-upaya yang dilakukan Perseroan
terbukti tepat dalam mendorong pertumbuhan aset, pembiayaan, penghimpunan dana, dan
peningkatan laba.
Kinerja Perseroan yang baik pada 2010 terus berlanjut pada 2011. Pertumbuhan usaha
Perseroan sangat pesat. Volume usaha, pembiayaan, dan DPK masing-masing tumbuh
sebesar 24,43 , 18,95 , dan 41,30 . CAR Perseroan mencapai 15,29 , naik 3,78 dari
tahun sebelumnya yang 11,51 . Pada 2011 laba bersih Perseroan mengalami pertumbuhan
signifikan, yakni sebesar 19,30 .
Kinerja Perseroan yang semakin membaik merupakan hasil kerja keras seluruh karyawan
dengan dukungan penuh dari manajemen. Tak kalah penting, pencapaian usaha yang baik
tersebut tidak lepas dari dukungan dan kepercayaan segenap nasabah dan stakeholders
Perseroan. trillion by the end of 2010. National Islamic
banking market share was increased to become 4 by the end of 2011.
The high growth in business volume was followed by positive growth in the financing and
Islamic banking deposits nationwide respectively in 2011 grew by 50.56 and 51.79 or in
nominal terms each of it has reached Rp102.66 trillion and Rp115.42 trillion. From the
composition, murabahah financing still dominates, by 54.91.
In general, several indicators of financial ratios of Islamic banking per December 2011 has also
quite good. Among others, the Islamic banking s CAR has reached 15.37, non-performing
financing NPF 2.52, and financing deposit ratio FDR 91.41.
Financial Review
The Company’s performance has shown developments in line with the growth and
development of a national Islamic banking industry. The efforts made by the Company has
a proven track record to boost up asset growth, financing, fund raising, and increase profits.
The Company’s good performance in 2010 still continue in 2011. The Company’s business
growth is very rapid throughout 2011. Volume of business, financing, and third party fund has
grew by 24.43, 18.95 and 41.30. The Company’s CAR has reached 15.29, up 3.78
from 11.51 on the previous year. In 2011 net profit had grew significantly, which has reached
the amount of 19.30.
Good performance of the Company’s was the result of hard work from all employees with the
full support of management. But moreover, the achievement of good business was not
separated from the support and trust from all customers and stakeholders of the Company.
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
42
Aset
Pada 31 Desember 2011 Perseroan berhasil membukukan kenaikan volume usaha sebesar
24,43 menjadi Rp2,730 triliun dari Rp2,194 triliun pada periode yang sama tahun
sebelumnya. Kenaikan volume usaha tersebut tidak lepas dari pencapaian laba bersih
Perseroan, yang pada akhir 2011 mengalami pertumbuhan sebesar 19,30 , dari sebesar
Rp10,23 triliun menjadi Rp12,21 triliun pada 2011. Jika dibandingkan dengan volume usaha
industri perbankan syariah secara keseluruhan yang mencapai Rp149 triliun, pangsa pasar aset
Perseroan terhadap total aset industri perbankan syariah pada 2011 mencapai 1,83 .
Peningkatan volume usaha tersebut tak lepas dari langkah strategis yang ditempuh Perseroan.
Di antaranya, kerja sama PPOB dengan PT PLN, optimalisasi dan perluasan jaringan outlet, dan
penyempurnaan produk serta skim pembiayaan iB Mobil pola channeling melalui perusahaan
pembiayaan multifinance.
Strategi tersebut juga diikuti dengan penunjukan Perseroan sebagai Lembaga Keuangan Syariah-
Peserta Wakaf Uang LKS-WU dan penetapan Perseroan sebagai Bank Penerima Setoran-Biaya
Penyelenggaraan Ibadah Haji BPS-BPIH oleh Kementerian Agama Republik Indonesia.
Perbaikan secara signifikan terhadap kinerja Perseroan secara keseluruhan terbukti mampu
menumbuhkan sikap optimistis seluruh karyawan dan jajaran direksi untuk dapat mencapai kinerja
yang baik pada 2011.
Asset
On December 31, 2011 the Company managed to increase business volume by 24.43 to
Rp2.730 trillion from Rp2.194 trillion at the same period from the previous year. The increase in
volume of business could not be separated from the achievement of the Company’s net income,
which at the end of 2011 has grew by 19.30, from Rp10.23 trillion to Rp12.21 trillion in 2011.
Compare with the whole business volume of Islamic banking industry has reached Rp149
trillion, the market share of the Company’s assets to total assets of Islamic banking industry
in 2011 has reached 1.83.
The increased of business volume was not separated from the strategic steps taken by the
Company. Among other things, work together with PT PLN by doing PPOB, network
optimization and expansion of outlets, and improvement of products and financing
schemes of iB Car by channeling patterns through finance companies multifinance.
The strategy also followed by the appointment of the Company as an Islamic Financial
Institutions-Endowments Money Participant LKS-WU and the Company appointment as
Bank Beneficiary on Deposit-Hajj Operation Costs BPS-BPIH by the Ministry of Religious
Affairs of the Republic of Indonesia.
Significant improvement on the performance of the Company as a whole proved to cultivate an
optimistic attitude of the Company’s employees and the Board of Directors to be able achieved
good performance in 2011.
Perbandingan Aset PT Bank Syariah Bukopin BSB dan Aset Industri Perbankan Syariah
PT Bank Syariah Bukopin BSB Assets Compare to Islamic Banking Industry Assets
Aset BSB ∆
Industri ∆
Pangsa terhadap industri
Assets BSB Industry
Market share againts to Industry
2009 1,975 225,88 66,090
33,37 2,99
2010 2,194 11,09 97,519
47,55 2,25
2011 2,730 24,43 149,000
52,79 1,83
Sumber: diolah kembali dari berbagai sumber. Source: reprocess from other sources.
Dalam triliun rupiah In trillion rupiah
43
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Pembiayaan
Sebagai ujung tombak bisnis perbankan syariah, pembiayaan sangat diharapkan dapat
memberikan kontribusi yang signifikan terhadap keberlanjutan usaha Perseroan. Pada 2011
pembiayaan terbukti mampu tumbuh dengan baik. Pembiayaan yang diberikan Perseroan
tumbuh 18,95 menjadi Rp1,917 triliun pada 31 Desember 2011 dari Rp1,612 triliun pada
periode yang sama tahun sebelumnya.
Peningkatan pembiayaan tersebut pada dasarnya merupakan hasil implementasi
sejumlah langkah strategis Perseroan dalam bidang pembiayaan. Di antaranya, fokus pada
pengembangan UMKM; penyaluran pembiayaan ke sektor-sektor usaha potensial dan memiliki
kinerja baik; pembiayaan kepada stakeholder melalui club deal; pembiayaan khusus
multifinance
. Dari sisi pembiayaan, market share Perseroan
terhadap industri perbankan syariah mencapai 1,83 . Pada akhir 2011 total pembiayaan yang
diberikan industri perbankan syariah sebesar Rp105 triliun, sementara pembiayaan yang
diberikan Perseroan sebesar Rp1,917 triliun. Dengan peluang dan pasar syariah yang masih
terbuka lebar, ke depan Perseroan akan berupaya meningkatkan porsi pembiayaan
melalui strategi dan penetrasi pasar yang lebih luas lagi.
Financing
As the cutting edge of the Islamic banking business, financing was expected to contribute
significantly to the sustainability of the Company’s business. In 2011 financing has
proved to grow well. Financing provided by the Company has grew from 18.95 to Rp1.917
trillion at December 31, 2011 from Rp1.612 trillion at the same period last year.
Financing improvement was basically a result from the Company’s implementation of
strategic measures in the field of finance. Among others, focus on the development
micro, small and medium enterprises MSMEs; financing channel to potential business sectors
and have a good performance; financing to stakeholders through a club deal; special
financing to multifinance.
In terms of financing, the Company’s market share of Islamic banking industry has reached
1.83. At the end of 2011, total financing provided by the Islamic banking industry was
Rp105 trillion, while financing provided by the Company was Rp1. 917 trillion. With the
opportunities and the market for sharia is still wide open, in the future the Company will seek
to increase the share of financing through wider market penetration strategies.
Perbandingan Pembiayaan PT Bank Syariah Bukopin BSB dan Pembiayaan Industri Perbankan Syariah
PT Bank Syariah Bukopin BSB’s and Financing Compare to Islamic Banking Industry’s Financing
Pembiayaan BSB
∆ Industri ∆ Pangsa terhadap industri
Financing BSB Industry
Market share againts to Industry
2009 1,280 673,93
46,886 22,75
2,73 2010 1,612
25,94 68,181
45,42 2,36
2011 1,917 18,95
105,000 54,4
1,83
Sumber: diolah kembali dari berbagai sumber. Source: reprocess from other sources.
Dalam triliun rupiah In trillion rupiah
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
44
Pertumbuhan pembiayaan yang dicapai Perseroan sebesar 18,95 pada 2011 memang
lebih rendah daripada pertumbuhan pembiayaan pada 2010 yang sebesar 25,94 . Namun, yang
terpenting, dalam mencapai pertumbuhan tersebut Perseroan senantiasa menerapkan
prinsip tata kelola perusahaan, asas kehati- hatian prudential banking, dan manajemen
risiko di setiap teknis operasional serta pengambilan keputusan di bidang pembiayaan.
Melalui pengelolaan risiko yang semakin baik dan terukur, Perseroan pada akhirnya berhasil
meningkatkan kualitas pembiayaan yang diberikan sekaligus menekan rasio pembiayaan
bermasalah terhadap total pembiayaan atau NPF.
Pada akhir 2011 Perseroan mampu menekan NPF hingga menjadi 1,74 .
The financing growth of 18.95 achieved by the Company in 2011 was lower than the growth
of financing in 2010 which amounted to 25.94. However, most importantly, in achieving those
growth the Company’s continue to apply corporate governance principles, prudential
banking principle, and risk management in every operational technical and decision-making in the
field of financing.
Through better and scalable risk management, the Company finally managed to improve the
quality of financing provided and also lowering the ratio of non performing financing or NPF. By
the end of 2011 the Company able to suppress the NPF to become 1.74.
Keterangan 2011 2010
Item
Berdasarkan Jenis
By Tipe
Modal Kerja 840.518.453.769
708.175.056.575 Working capital
Investasi 704.956.726.014 710.332.695.189
Investment Konsumsi 369.159.882.241
190.681.032.561 Consumption
Pembiayaan pihak lainnya 2.943.569.135
2.584.587.494 Financing to other party
Total pembiayaan 1.917.219.649.518
1.611.733.371.819 Total financing
Penyisihan penghapusan pembiayaan 26.441.761.919
23.388.896.660 Allowance for possible losses
Total Pembiayaan bersih 1.917.219.649.518
1.588.384.475.159
Total financing-nett
Berdasarkan Sektor Ekonomi
By Economic Sector
Pertanian 21.101.998.884 29.018.084.782
Agriculture Pertambangan
445.200.000 2.262.974.636
Mining Manufactur
20.738.575.869 22.725.798.652 Manufacture
Tenaga Listrik 21.379.996.854 33.503.309.822
Electricity Konstruksi
288.069.025.487 198.374.683.436 Construction
Perdagangan 376.712.445.239 307.328.291.898
Trading Transportasi
157.062.234.294 266.296.104.734 Transportation
Jasa Dunia Usaha 406.983.209.481 357.500.674.220
Business services Jasa Sosial
227.984.665.048 204.824.299.343 Social services
Lain-lain 396.742.298.362 189.939.150.295
Others Total Pembiayaan
1.917.219.649.518 1.611.773.371.819
Total financing Penyisihan penghapusan pembiayaan
26.441.761.919 23.388.896.660
Allowance for possible losses
Total Pembiayaan yang diberikan-bersih 1.917.219.649.518
1.588.384.475.159
Total financing -nett
45
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Penghimpunan Dana
Melalui sejumlah langkah strategis yang ditempuh sepanjang 2011, DPK yang dihimpun
Perseroan mengalami pertumbuhan signifikan, yakni sebesar 41,30 dari Rp1,622 triliun pada
31 Desember 2010 menjadi Rp2,292 triliun pada 31 Desember 2011. Hingga akhir 2011, market
share
total DPK Perseroan terhadap total DPK industri perbankan syariah nasional mencapai
1,94 . Ke depan Perseroan akan terus berusaha memperbesar pangsa pasar DPK terhadap DPK
industri perbankan syariah nasional.
Kenaikan DPK secara signifikan tersebut, kontribusi terbesarnya dihasilkan dari giro
wadiah, tabungan wadiah, dan tabungan mudhrabah, yang pada 2011 masing-masing
mengalami kenaikan sebesar 7,25 , 15,8 , dan 99,7 . Peningkatan DPK yang signifikan itu
merupakan wujud keberhasilan strategi, terobosan bisnis, dan membaiknya kualitas
layanan yang dilakukan Perseroan di bidang penghimpunan dana masyarakat, khususnya
pada penggalian sumber-sumber dana murah. Langkah strategis yang dilakukan Perseroan dari
sisi funding di antaranya adalah upaya memperbesar porsi sumber dana murah dan
pengembangan produk funding ritel tabungan dan deposito yang antara lain dilakukan melalui
program promosi produk-produk simpanan.
Collecting Fund
Through a number of strategic steps that has been taken throughout 2011, third party funds
that has been collected by the Company experienced significant growth, which amounted
to 41.30 from Rp. 1.622 trillion at December 31, 2010 to Rp2.292 trillion at December 31,
2011. Until late 2011, the Company’s market share of total deposits from total deposits of
national Islamic banking industry has reached 1.94. In the future the Company will continue
to enlarge the market share of deposits from the national Islamic banking industry deposits.
The significant rise of third party funds was contributed mostly from wadiah giro, wadiah
savings, and mudharabah savings, which in 2011 each increased by 7.25, 15.8, and
99.7. The significant increase from third party funds was an expression of the success
strategy, business breakthroughs, and improving the quality of the Company’s services performed
in the field of collecting public funds, particularly in extracting the sources of
inexpensive funds. The Company s strategic move in terms of funding was the effort to
enlarge the low-cost funding sources and development of retail funding product savings
and time deposits, which among others was done by promotion program saving products.
Perbandingan DPK PT Bank Syariah Bukopin BSB dan Industri Perbankan Syariah
PT Bank Syariah Bukopin BSB’s Third Party Fund Compare to Islamic Banking Industry’s Third Party Fund
DPK BSB ∆ Industri
∆ Pangsa terhadap industri
3
rd
Party Fund BSB
Industry Market share againts to Industry
2009 1,272 552,31 52,271
41,48 2,43
2010 1,622 27,52 76,036
45,46 2,13
2011 2,292 41,30
118,000 55,19
1,94
Sumber: diolah kembali dari berbagai sumber. Source: reprocess from other sources.
Dalam triliun rupiah In trillion rupiah
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
46
Permodalan
Dari sisi permodalan, pada akhir 2011 posisi modal Perseroan mengalami peningkatan. Modal
inti Perseroan pada 31 Desember 2011 tercatat sebesar Rp231,635 miliar atau meningkat
sebesar 95,47 dari Rp118,498 miliar pada 31 Desember 2010.
Capital
From the capital side, at the end of 2011 the Company’s capital position increased. Core
capital of the Company on December 31, 2011 amounted to Rp231.635 billion or increased by
95.47 from Rp118.498 billion as of December 31, 2010.
Keterangan 2011 2010
Item
Modal Inti 231.635 118.498
Core capital Modal Pelengkap
70.224 66.913 Complementary capital
Jumlah Modal 301.859 185.411
Total capital Jumlah Aktiva Tertimbang Menurut Resiko ATMR
1.973.954 1.611.475
Total Risk Weighted Assets Rasio Kewajiban Penyediaan Modal 15,29
11,51 Capital Adequacy Ratio
Minimum yang Tersedia Rasio Kewajiban Penyediaan Modal 8,00
8,00 Required Capital Adequacy Ratio
Minimum yang Diwajibkan
Keterangan 2011 2010
Item
Giro
Giro
Giro wadiah 102.965.714.420
95.501.632.957 Wadiah current accounts
Giro umum General current accounts
Pihak terkait
- -
Related parties Pihak
ketiga 86.159
592.504 Third parties
Tabungan
Saving accounts
Tabungan wadiah Wadiah saving accounts
Pihak terkait 2.315.744.727
2.252.240.120 Related parties
Pihak ketiga 204.589.414.743
172.330.288.584 Third parties
Tabungan mudharabah Mudharabah saving accounts
Pihak terkait 461.086.656
17.074.881 Related parties
Pihak ketiga 64.262.912.496
28.288.511.886 Third parties
Deposito
Time deposit
Deposito mudharabah Mudharabah time deposit
Pihak terkait 2.328.500.000
19.175.000.000 Related parties
Pihak ketiga 1.914.814.265.702
1.304.348.046.771 Third parties
JUMLAH 2.291.737.724.902 1.621.913.387.703
Total
Dana Pihak Ketiga
Third Party Funds
47
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Profit and Loss
At the end of 2011 the Company’s revenue increased by Rp22.15 billion or grew 9.93 to
become Rp245.31 billion from Rp223.16 billion by the end of 2010. Of such income, in 2011,
the Company has recorded a net profit increase of Rp1.98 billion or an increase of 19.30 to
become Rp12.209 billion from Rp10.234 billion by the end of 2010.
The achievement was not separated from a number of strategic steps taken by the
Company from the business side of the post- spin-off Sharia Busines Unit of PT Bank
Bukopin, Tbk into the Company and the implementation of strategic policies pursued by
the Company, both in terms of fund raising and financing activities.
Laporan Laba Rugi
Income Statement Loss
Dalam Rupiah
In Rupiah
Keterangan 2011 2010
Item
Jumlah pendapatan operasi utama 211.711.438.841 198.406.443.095
Total main operating income Jumlah beban operasi utama 143.623.128.044
127.572.221.386 Total main operating expenses
Jumlah pendapatan beban - bersih 68.088.310.797 70.834.221.709
Total income expenses-net
Pendapatan operasional lainnya 33.594.520.304
24.748.884.516 Other operating income
Jumlah beban operasional lainnya 86.615.672.643 81.229.390.133
Other operating expenses
Pendapatan beban operasional lainnya 53.021.152.339 56.480.505.617
Other operating income expenses
Laba rugi operasional 15.067.158.458 14.353.716.092
Operating income losses Pendapatan beban non operasional - bersih
45.439.150 565.619.054
Non operating income expenses-net Laba rugi sebelum pajak penghasilan badan 15.021.719.308
14.919.335.146 Income losses before company income tax
Pajak tangguhan 927.331.602
4.685.191.954 Deferred taxes
Jumlah pajak 2.812.884.102
4.685.191.954 Total taxes
Laba rugi bersih 12.208.835.206 10.234.143.192
Net income losses
Laba Rugi
Pada akhir 2011 pendapatan Perseroan mengalami peningkatan sebesar Rp22,15 miliar
atau tumbuh 9,93 menjadi Rp 245,31 miliar dari Rp223,16 miliar pada akhir 2010. Dari
peningkatan pendapatan tersebut, pada 2011 Perseroan berhasil membukukan kenaikan laba
bersih sebesar Rp1,98 miliar atau mengalami peningkatan sebesar 19,30 menjadi Rp12,209
miliar dari Rp10,234 miliar pada akhir 2010.
Pencapaian tersebut tak lepas dari sejumlah langkah strategis yang ditempuh Perseroan dari
sisi bisnis pasca-spin-off UUS PT Bank Bukopin, Tbk ke Perseroan dan implementasi
kebijakan-kebijakan strategis yang ditempuh Perseroan, baik dari sisi kegiatan penghimpunan
dana maupun pembiayaan.
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
48
business highlight
tinjauan bisnis
Potential.
“ A number of strategies and business development programs were already implemented to
support achievement of business targets and accelerate business growth of the Company in 2011” .
49
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Iklim
usaha sektor riil yang membaik selama 2011 yang ditopang oleh kondisi makro-ekonomi
nasional yang makin baik berdampak positif terhadap perkembangan industri perbankan
syariah nasional, khususnya Perseroan.
Dalam upaya mendukung pencapaian target bisnis dan mengakselerasi pertumbuhan bisnis
Perseroan, pada 2011 telah diimplementasikan sejumlah strategi dan program pengembangan
bisnis. Akselerasi bisnis pembiayaan, penghim- pun an dana, serta fee based income pada
sektor-sektor usaha potensial tetap menjadi fokus utama untuk mencapai sasaran dan target
bisnis yang telah ditetapkan Perseroan.
Dari sisi penghimpunan dana, Perseroan terus berupaya melakukan inovasi produk dana dan
memperluas jaringan layanan, yang diutamakan pada peningkatan sumber dana murah dan ritel.
Sedangkan, untuk bisnis pembiayaan, selain fokus pada pembiayaan sektor-sektor prospektif
serta potensial UMKM, Perseroan berperan aktif dalam mengembangkan sistem dan jaringan
delivery channel
dengan menjalin kerja sama dengan PT Bank Bukopin, Tbk.
Perseroan juga sangat menyadari peran penting dukungan bisnis cabang. Untuk mengakselerasi
bisnis cabang, Perseroan mengubah struktur organisasi pada Divisi Pengembangan dan
Supervisi Bisnis. Kemudian dipecah menjadi dua divisi yang berbeda yaitu Divisi Pengembangan
Produk dan Divisi Supervisi Bisnis dan Fee Based. Perubahan struktur organisasi tersebut
menegaskan posisi Divisi Pengembangan Produk agar lebih fokus pada pengembangan produk
untuk mendukung kebijakan dan langkah strategis Direktorat Bisnis, serta Divisi Supervisi
Bisnis melakukan supervisi dan monitoring kinerja bisnis Perseroan.
The
real sector of the business climate improved during 2011, which is supported by the
better national macro-economic conditions that has positive impact on the development of a
national Islamic banking industry, particularly the Company.
In an effort to support the achievement of business targets and accelerate the Company
business growth, in 2011, the Company has implemented a number of strategies and
business development programs. Acceleration of business financing, fund collection, and also fee-
based income on potential business sectors remaind the main focus to achieve business
objectives and targets established by the Company.
From the fund collection side, the Company continue to innovate funding products and
expand the network service, the improvement mostly to the source of inexpensive funds and
retail. While, for financing business, besides focusing on prospective sectors of financing and
the potential of micro, small and medium enterprises MSMEs, the Company is actively
involved in developing systems and network delivery channel to establish cooperation with PT
Bank Bukopin Tbk.
The Company has also very aware of the important role of business branch support. To
accelerate the branch business, the Company has changed the organizational structure in the
Branch Supervision Business and Develpment Division. And then, has been dispart into two
distinct divisions, namely Product Development Division and Fee Based and Business
Supervision Division. Changes in organizational structure confirms the position of Product
Development Division in order to become more focus on product development to support policy
and strategic steps of Business Directorate, and Business Supervision Division to monitoring and
supervise the Company’s business performance.
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
50
Bisnis Pembiayaan
Pengembangan bisnis pembiayaan Perseroan, baik dalam jangka pendek, menengah, maupun
panjang, difokuskan ke sektor UMKM, non- UMKM, dan konsumsi yang menyasar delapan
segmen bisnis utama, yaitu telekomunikasi, pendidikan, kesehatan, minyak dan gas migas,
transportasi, pariwisata, konstruksi, serta perdagangan umum.
Pembiayaan UMKM yang dilakukan Perseroan lebih ditekankan pada pembiayaan bagi usaha-
usaha kecil, baik di lingkungan badan usaha milik negara BUMN, swasta, Amal Usaha
Muhammadiyah AUM, maupun usaha kecil lainnya dengan segmen usaha tertentu yang
risikonya terukur.
Sedangkan, pembiayaan untuk non-UMKM diberikan kepada institusi tertentu atau badan
usaha dengan mekanisme sindikasi atau club deal
. Pembiayaan konsumsi diberikan kepada end user
, baik individu maupun koperasi, secara langsung atau melalui channeling yang bekerja
sama dengan perusahaan pembiayaan. Di wilayah DKI Jakarta dan sekitarnya, Perseroan
menambah 3 tiga Divisi Bisnis baru, yaitu Divisi Bisnis Area III Jakarta Utara, Area IV Bekasi
Financing Business
The development of the Company financing business, both in the short, medium and long
term, focused on the MSMEs sector, non- MSMEs, and consumption which targeting to
eight major business segments, namely telecommunications, education, health, oil and
gas, transport, tourism, construction, and general trade.
MSMEs financing has been done with more emphasis on financing for small business, both
within state owned enterprises SOEs, private, Muhammadiyah Charity Enterprises AUM, as
well as other small business with a particular measured risks business segment.
Where as for financing non-MSMEs granted to certain institutions or enterprises with a
mechanism of syndicated or club deal. Consumption financing provided to end users,
to individual or cooperative, either directly or through channeling the work together with
multifinance.
In the Jakarta area and its surroundings, the Company added 3 three new Business
Division, the Division of Business Area III North
51
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
dan sekitarnya, dan Area V Jakarta Barat dan Tangerang. Penambahan Divisi Bisnis tersebut
dimaksudkan untuk menggali sekaligus mengembangkan pembiayaan di wilayah DKI
Jakarta dan sekitarnya yang notabene memiliki potensi besar. Tidak hanya itu, penambahan
divisi tersebut juga ditujukan untuk mengembangkan bisnis-bisnis yang terkait
dengan aktivitas usaha Muhammadiyah, terutama bisnis pendidikan dan kesehatan.
Sementara itu, Bisnis Cabang yang dikembangkan Perseroan diarahkan untuk
mengembangkan dan memfasilitasi kebutuhan pembiayaan di sektor UMKM dan sektor
komersial dengan plafond pembiayaan sampai dengan Rp25 miliar. Sedangkan, untuk
pembiayaan dengan plafond di atas Rp25 miliar, proses evaluasi dan penyaluran pembiayaannya
ditangani langsung oleh Kantor Pusat.
Agar penyaluran pembiayaan yang dilakukan Perseroan lebih terarah dan dapat mengurangi
risiko pembiayaan, pembiayaan kepada stakeholder
ditempuh melalui kerjasama pembiayaan club deal, sindikasi disalurkan
kepada nasabah-nasabah besar yang membu- tuhkan tambahan pembiayaan dan memiliki track
record yang baik; kepada rekanan seperti;
kepada AUM. Sepanjang 2011, Perseroan telah
mengembangkan beberapa produk di antaranya: penyempurnaan skim pembiayaan iB mobil pola
channeling melalui multifinance, termasuk
pengembangan aplikasi administrasinya. Sejalan dengan nilai-nilai yang dikembangkan
oleh Perseroan, proses pengembangan bisnis pembiayaan selalu dilakukan secara selektif, dan
prudent sesuai dengan manajemen risiko yang
telah diimplementasikan. Dengan demikian, setiap proses transaksi pembiayaan yang
diberikan selalu terukur dan terarah.
Untuk memperkuat dukungan terhadap bisnis pembiayaan, pada 2011 Perseroan telah
melakukan review terhadap Pedoman Kebijakan Pembiayaan serta mengeluarkan Pedoman
Jakarta, Area IV Bekasi and surrounding areas, and Area V West Jakarta and
Tangerang. The addition of Business Division was intended to explore and develop financing
in Jakarta and surrounding areas which incidentally has great potential. Not only that,
the addition of the division was also intended to develop businesses related to the business
activities of Muhammadiyah, especially education and health business.
Meanwhile, the Company developed a Business Branch which was directed to develop and
facilitate the financing needs in the sector of micro small and medium enterprises MSMEs
and commercial sectors to limit financing of up to Rp25 billion. Whereas, for financing above
plafond of Rp25 billion, the evaluation process and the distribution of funding was handled
directly by the Head Office.
In order to financing distribution done by the Company could be more focused and could
reduce the risk of financing, financing to stakeholder was carried out through joint
financing club deal, sindicated channeled to large clients who need additional financing and
has a good track record; such as; to Muhammadiyah Charity Enterprises AUM.
Throughout 2011, the Company has developed several products such as: car iB financing
scheme improvement channeling pattern to multifinance, including the development of
administrative applications.
In line with the values developed by the Company, business financing development
process has always carried out selectively and prudent in accordance with implemented risk
management. Thus, any given financing transaction process is always determined and
directed.
To strengthen the support for the financing business, in 2011, the Company has conducted
a review a Financing Policy for Guidelines and Collaterall Offset and Financing Restructuring
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
52
Restrukturisasi Pembiayaan dan Offset Agunan. Di bawah ini merupakan distribusi pembiayaan
yang dilakukan Perseroan berdasarkan skala bisnis selama dua tahun terakhir sampai dengan
31 Desember 2011.
Untuk mendukung proses pengembangan bisnis pembiayaan, Perseroan mengembangkan
sejumlah strategi pada 2011, yaitu:
• Pengembangan usaha dengan fokus pada
sektor UMKM; •
Mengembangkan usaha komersial; •
Mengembangkan usaha konsumer; •
Penyediaan jasa-jasa fee based kepada nasabah;
• Memperkuat teknologi dan jaringan
pelayanan outlet; •
Memperkuat SDI; •
Peningkatan kualitas pengelolaan risiko dan kepatuhan.
Selain hal di atas, Perseroan telah melakukan pembenahan bisnis proses, seperti sistem dan
prosedur dalam rangka meningkatkan pelayanan kepada nasabah yang dibiayai. Perseroan juga
menyediakan produk yang disesuaikan dengan kebutuhan pasar dan segmentasi nasabah, baik
produk pembiayaan modal kerja, investasi, maupun konsumsi. Produk-produk pembiayaan
yang telah disediakan dan dikembangkan Perseroan adalah:
• Pembiayaan iB Jual-Beli murabahah;
• Pembiayaan iB Kepemilikan Rumah;
• Pembiayaan iB Kepemilikan Mobil;
• Pembiayaan iB Jual-Beli istishna’;
• Pembiayaan iB Bagi-Hasil mudharabah;
Guidelines. Below is the distribution of the Company s financing undertaken by the scale
of the business for two years up to December 31, 2011.
To support the development of business financing, the Company developed a number of
strategies in 2011, following:
• Focus in business development MSMEs
sector; •
Develop commercial business; •
Develop consumer business; •
Provide fee based services to consumer; •
Strengthen technology and service network outlet;
• Strengthen human resources;
• Develop quality of risk management and
compliance. In addition to the above, the Company has
conducted business process improvements, such as systems and procedures in order to
improve services to the customer financed. The Company also provides products that are
tailored to the needs of market and customer segmentation, working capital, investment, and
consumption. Financing products that have been provided and developed by the company
are:
• iB Sell-Buy Financing murabahah;
• iB Housing Financing;
• iB Car Ownership Financing;
• iB Sale-Purchase Financing istishna‘;
• iB Profit Sharing Financing mudharabah;
Distribusi Pembiayaan
Financing Distribution
Dalam jutaan rupiahIn million rupiah
Keterangan 31 Desember
31 Desember
Remark December 31,
December 31,
2011 2010
UMKM 0-10 1.621.265 84,56
1.319.728 81,88
MSMEs 0-10 Non UMKM 10 miliar
292.955 15,44 292.045
18,12 Non MSMEs 10 billion
Total 1.917.220 100
1.611.773 100
Total
53
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
• Pembiayaan iB Bagi-Hasil musyarakah;
• Pembiayaan iB K3A;
• Pembiayaan iB Jaminan Tunai;
• Pembiayaan iB Mobil Pola Channeling
Melalui Multifinance; •
Pembiayaan iB kepada Lembaga Keuangan Mikro Syariah LKMS.
Konsumer
Pada bisnis konsumer, Perseroan tetap fokus membiayai kepemilikan rumah dan kendaraan
roda empat mobil. Dari sisi internal, Perseroan terus berupaya mengembangkan dan mema-
tangkan sistem pembiayaan konsumer tersebut. Upaya itu ditempuh untuk memberikan
kemudahan, keringanan, dan fleksibilitas terhadap pembiayaan konsumsi sehingga proses
persetujuan dapat menjadi lebih cepat.
Bisnis Penghimpunan Dana
Dalam menghimpun dana masyarakat, Perseroan fokus mengembangkan sumber-sumber dana
murah atau ritel yang berasal dari giro dan tabungan. Sedangkan, strategi yang
dikembangkan untuk meningkatkan penghimpunan DPK, di antaranya:
• iB Profit Sharing Financing musyarakah;
• iB K3A Financing;
• iB Cash Collateral Financing;
• iB Car Financing Channeling Scheme
through Multifinance; •
iB Financing for Islamic Microfinance Institutions LKMS.
Consumer
On consumer business, the Company remains focused on financing home ownership and
four-wheel vehicles cars. From the internal side, the Company continues to develop and
finalize the system of consumer financing. The effort were made by providing ease, lightness,
and flexibility to consumption financing, so the approval process can be faster.
Fund-Raising Business
In raising public funds, the Company focus on developing inexpensive funding sources or
derived from retail demand from deposits and savings. The strategy has been developed to
improve the collection of DPK, among others are:
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
54
• Meningkatkan komposisi penghimpunan
dana murah berupa giro dan tabungan dengan cara: mewajibkan seluruh nasabah
untuk melakukan transaksi keuangan di Per- seroan dan mengadakan beberapa program
promosi tabungan;
• Mengembangkan fee based income melalui
public service , cash management, dan
sebagainya; •
Melakukan promosi secara efisien; •
Menggali sumber dana masyarakat yang berasal dari Amal Usaha Muhammadiyah;
• Memperluas jaringan layanan Perseroan;
• Memperkuat peran Perseroan sebagai
Lembaga Keuangan Syariah-Peserta Wakaf Uang LKS-PWU dan posisi sebagai Bank
Penerima Setoran-Biaya Penyelenggaraan Ibadah Haji BPS-BPIH oleh Kementerian
Agama Republik Indonesia;
Fee Based Income
Sebagai upaya memperkuat lini-lini bisnis sekaligus meningkatkan pendapatan yang
berasal dari fee based income, Perseroan telah melakukan pengembangan di sejumlah produk
dan layanan. Beberapa produk dan layanan yang dikembangkan, antara lain produk dan
aplikasi wakaf uang, produk virtual account, aplikasi autodebet pembayaran PLN,
pengembangan fitur fund transfer pada cash management
dan aplikasi autodebet untuk sekolah. Beberapa strategi yang dikembangkan
untuk meningkatkan fee based income adalah sebagai berikut:
• Optimalisasi fee based income yang berasal
dari nasabah existing dalam kerja sama Payment Point Online Banking PPOB
dengan PT PLN; meningkatkan fee based income
dari nasabah baru PPOB dengan cara menambah jumlah collecting agent;
mengembangkan PPOB di cabang-cabang yang belum menangani PPOB.
• Di bidang cash management melalui
optimalisasi fee based income dari nasabah existing cash management
; meningkatkan fee based income
cash management di •
Improve the composition of inexpensive fund-raising of demand deposits and savings
by: requiring all customers to conduct financial transactions in the Company and
make some savings promotion program;
• Develop fee-based income through public
service, cash management, and so on; •
Doing some promotion activity efficiently; •
Explores sources of public funds derived from Muhammadiyah Charitable Enterprises;
• Expanding the Company services network;
• Strengthen the role of the Company as the
Institution of Islamic Finance-Endowments Money Participant LKS-PWU and a position
as Beneficiary Bank Deposit-Hajj Operation Costs BPS-BPIH by the Ministry of
Religious Affairs of the Republic of Indonesia;
Fee Based Income
As an effort to strengthen lines of business and also to increase revenues from fee-based
income, the Company has been performing a number of products and services. Some
products and services that has been developed, among others are products and applications for
endowments money, virtual accounts product, autodebet application for electricity bills PLN,
developing the features of fund transfer on cash management, and auto-debet application for
school tuition payments. Some of the strategies developed to increase fee based income are as
follows:
• Optimization of fee based income derived
from existing customers in co-Point Online Banking Payment PPOB with PT PLN;
increase fee based income from new customers PPOB by increasing the number
of collecting agent; develop PPOB in the branches that has not yet handle PPOB.
• In the area of cash management
optimization fee based income through the existing cash management customers;
increase cash management fee based income at the branches of the Company to
55
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
customers that do not have cash management; cash management marketing
to deposit and giro owner who has not yet cash management.
Not only cash management, other efforts that also has been made to increase the Company
fee-based income is through payroll and co- branded collaboration with a number of
established companies.
In 2011, the Company also has established business cooperation with a number of
institutions, such as :
• Join cooperation with PT Andalan Artha
Advisindo as a sales sub agent of Sukuk Retail SR-003;
• Join cooperation with Indonesia
Endowments Institute BWI as an Islamic Financial Institutions-Money Recipients
Endowments LKS-PWU;
• Join cooperation with PT PLN Limited as a
bank recipient for payment of electricity bills and non-electricity bills;
• Join cooperation with Central Executive
Muhammadiyah and Muhammadiyah Economic Council;
• Join cooperation with PT Bank Bukopin
Tbk, in the utilization of some outlet PT Bank Bukopin, Tbk as Shariah Service
Office delivery channel of Bank Syariah Bukopin;
• Join cooperation with the House of Alms as
a recipient bank for Alms, infak, shodaqoh, and Qurban;
• Join cooperation with Dompet Dhuafa in a
program of Alms, Infaq, Shodaqoh and Endowments recipient on Ramadhan month
1432 H. cabang-cabang Perseroan yang belum
memiliki nasabah cash management; pemasaran cash management kepada
deposan dan giran besar yang belum memiliki cash management.
Tidak hanya cash management, upaya lain yang juga dilakukan Perseroan untuk meningkatan
fee based income adalah melalui kerja sama
payroll dan co-branding dengan sejumlah
perusahaan yang sudah established. Pada tahun 2011, Perseroan juga telah menjalin
kerjasama bisnis dengan sejumlah instansi, diantaranya:
• Kerjasama dengan PT Andalan Artha
Advisindo, sebagai sub-agen penjualan Sukuk Ritel SR-003;
• Kerjasama dengan Badan Wakaf Indonesia
BWI sebagai LKS-PWU;
• Kerjasama dengan PT PLN Persero
sebagai bank penerima pembayaran tagihan listrik dan tagihan lainnya;
• Kerjasama dengan Pimpinan Pusat
Muhammadiyah dan Majelis Ekonomi Muhammadiyah;
• Kerjasama dengan PT Bank Bukopin Tbk.
dalam pemanfaatan outlet PT Bank Bukopin Tbk. sebagai Kantor Layanan Syariah
delivery channel Bank Syariah Bukopin;
• Kerjasama dengan Rumah Zakat sebagai
bank penerima pembayaran Zakat, Infak, Shodaqoh, dan Qurban, dan;
• Kerjasama dengan Dompet Dhuafa dalam
program penerimaan Zakat, Infaq, Shodaqoh dan Wakaf bulan Ramadhan
1432 H.
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
56
good corporate governance
tata kelola perusahaan
Transparency.
“ GCG practices implemented by the Company was a series of the process of building a work culture based on the
principles of transparency, accountability, responsibility, independence, and fairness. These five basic principles of GCG set forth in the GCG self
assessment was upheld by all the existing elements“ .
57
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Sesuai
dengan Peraturan Bank Indonesia PBI Nomor 1133PBI2009 tentang Pelaksa-
naan GCG bagi BUS dan UUS, Perseroan telah
melaksanakan self assessment GCG untuk periode 2011.
Selain untuk memenuhi ketentuan sebagaimana yang dimaksud di atas, pengimplementasian dan
penyempurnaan tata kelola perusahaan atau GCG
merupakan proses berkelanjutan yang dikembangkan Perseroan untuk membangun
budaya yang mengedepankan prinsip transparansi, akuntabilitas, responsibilitas,
independensi dan fairness.
Lima prinsip tersebut dijabarkan dalam pelaksanaan perangkat GCG yang tertuang
dalam self assessment. Dengan demikian, nilai pemegang saham dalam jangka panjang dapat
terwujud, dan Perseroan dapat menjaga kesinambungan bisnis dengan mengedepankan
kepentingan seluruh stakeholder.
Implementasi Tata Kelola
Tindak lanjut terhadap beberapa aspek penerapan GCG pada Perseroan dilakukan
dalam bentuk:
• Pelaksanaan tugas dan tanggung jawab
Dewan Komisaris; •
Pelaksanaan tugas dan tanggung jawab Direksi;
• Kelengkapan dan pelaksanaan tugas komite;
• Pelaksanaan tugas dan tanggung jawab
Dewan Pengawas Syariah DPS; •
Pelaksanaan prinsip syariah dalam kegiatan penghimpunan dana dan penyaluran dana
serta pelayanan jasa; •
Penanganan benturan kepentingan; •
Penerapan fungsi kepatuhan; •
Penerapan manajemen risiko; •
Penerapan fungsi audit intern; •
Penerapan fungsi audit ekstern;
Based
on the Bank Indonesia Regulation Number 1133PBI2009 about the implementa-
tion of GCG for Sharia Commercial Bank and Sharia Business Unit, the Company has done a
GCG self assessment for the period of 2011.
Other than to fulfill the regulation mentioned above, the implementation and improvement of
good corporate governance is a continously process which is developed by the Company to
build a culture that puts forward the principle of transparency, accountability, responsibility,
independency, and fairness.
Those five principles were described in the implementation of GCG devices that were
stated in the self assessment. So the shareholder value in the long term will be
manifested, and the Company can maintain the business sustainability by putting forward the
whole stakeholder’s interest.
Governance Implementation
The follow-up to several aspects of GCG implementation in the Company was done in the
form of:
• Implementing the duty and responsibility of
the Board of Commissioners; •
Implementing the duty and responsibility of the Board of Directors;
• Comprehensively implementing the duty of
the committee; •
Implementing the duty and responsibility of the Sharia Supervisory Board;
• Implementing sharia principles in the
activities of fund accumulation, fund distribution, and service attendance;
• Handling conflict of interests;
• The application of compliance function;
• The application of risk management;
• The application of internal audit;
• The application of external audit;
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
58
• Penetapan batas maksimum penyaluran dana
BMPD; •
Transparansi kondisi keuangan bank, laporan pelaksanaan GCG, dan laporan internal.
Prinsip Tata Kelola
Praktik GCG yang diterapkan oleh Perseroan merupakan rangkaian proses dalam membangun
budaya kerja berdasarkan asas transparansi, akuntabilitas, responsibilitas, independensi, dan
fairness
. Kelima prinsip dasar GCG yang ditu- angkan dalam self assessment GCG tersebut di-
junjung tinggi oleh segenap elemen yang ada dalam Perseroan.
Melalui lima prinsip dasar tersebut, Perseroan berupaya menumbuhkan budaya patuh terhadap
peraturan, budaya pengelolaan risiko dalam rangka pengimplementasian prudential banking,
serta pencegahan risiko kerugian. Sehingga, dapat memberikan kontribusi optimal terhadap
kinerja Perseroan serta mewujudkan upaya untuk menjadi bank syariah yang kokoh dan tangguh.
Struktur Tata Kelola
Struktur kelembagaan sebagai perangkat pendukung pengimplementasian GCG yang
terbentuk pada Perseroan sepenuhnya didukung jajaran Dewan Komisaris, DPS, Direksi, dan juga
seluruh karyawan. Struktur GCG pada Perseroan berupa perangkat-perangkat kelembagaan yang
terdiri atas organ utama dan organ pendukung sebagai berikut:
Organ Utama:
1. Rapat umum pemegang saham RUPS; 2. Dewan Komisaris;
3. Dewan Pengawas Syariah DPS; 4. Direksi.
Organ Pendukung:
1. Komite-komite; 2. Sekretaris perusahaan;
3. Satuan pengawas intern. •
The determination of maximum limit of fund distribution;
• Transparency of bank’s financial condition,
GCG implementation report, and internal report.
Governance Principle
The practice of GCG which are implemented by the Company was a series of process in building
a work ethic based on the principle of transparency, accountability, responsibility,
independency, and fairness. These five basic principle that were stated into GCG’s self
assessment was highly upheld by all element existed in the Company.
Through these five principles, the Company intends to grow the culture of regulation
compliance, the culture of risk management in implementing prudential banking, and loss risk
prevention. Thus it can give optimum contribution to the Company’s performance and
actualizing the effort to be a strong and solid Islamic bank.
Structure of Governance
Institutional structure as supporting device of implementing GCG which formed in the
Company is fully backed up by the Board of Commissioners, Sharia Supervisory Board,
Board of Directors, and the whole employee. The GCG structure in the Company is in the
form of institutional devices which consists of these main organs and supporting organs:
Main organs:
1. General Meeting of Shareholders; 2. Board of Commissioners;
3. Sharia Supervisory Board; 4. Board of Directors.
Supporting Organs:
1. Committees; 2. Corporate Secretary;
3. Internal unit supervisor.
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BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Rapat Umum Pemegang Saham
Sebagai perangkat penting dalam GCG, RUPS dilakukan setiap tahun oleh Perseroan. RUPS
terdiri atas RUPS tahunan RUPST dalam rangka pengesahan Rencana Kerja dan
Anggaran Perusahaan RKAP, RUPST dalam rangka pengesahan Laporan Tahunan dan
Perhitungan Tahunan, serta RUPS Luar Biasa yang penyelenggarannya dapat dilakukan
sewaktu-waktu.
Hasil keputusan yang dicapai dalam RUPST diambil berdasarkan kepentingan perusahaan.
Agenda penting yang dibahas dalam RUPST antara lain mengenai pertanggungjawaban
Dewan Komisaris dan Direksi menyangkut pengelolaan Perseroan, keputusan mengenai
penetapan anggaran dasar, pengangkatan, dan pemberhentian Dewan Komisaris dan Direksi,
serta pembagian tugas dan wewenang Dewan Komisaris dan Direksi.
Dewan Komisaris
Sesuai dengan anggaran dasar Perseroan dan berdasarkan keten tuan Bank Indonesia BI
mengenai GCG pada bank umum syariah BUS dan unit usaha syariah UUS, Dewan Komisaris
bertanggung jawab memonitor, mengevaluasi, serta memberikan nasihat kepada Direksi perihal
kebijakan-kebijakan yang akan diambil Perseroan melalui subkomite.
Setiap komisaris menjadi anggota-anggota subkomite yang memiliki tugas dan tanggung
jawab masing-masing. Sedangkan, subkomite bertugas melakukan evaluasi mengenai aktivitas-
aktivitas dan memberikan rekomendasi melalui rapat pembahasan bersama Dewan Komisaris
untuk mendapatkan persetujuan.
General Meeting of Shareholders
As an important device in GCG, General Meeting of hareholders held annually by the
Company. It consists of Annual General Meeting of Shareholders held to the ratification of
Corporate Work Plan and Budget, Annual General Meeting of Shareholders for ratification
of Yearly Report and Annual Calculation and Extraordinary General Meeting of Shareholders
which can be held whenever needed.
Decision made in Annual General Meeting of Shareholders was concluded based on the
Company’s interest. Important agenda discussed in Annual General Meeting of
Shareholders among others was about the accountability of the Board of Commissioners
and the Board of Directors related to the Company’s management, decision of
determination Corporate Articles of Association, the appointment and the discharge of Board of
Commissioners and Board of Directors, and division of tasks and authority of the Board of
Commissioners and the Board of Directors.
Board of Commissioners
In accordance with the Company Corporate Articles of Association and based on the
regulation of Central Bank of Indonesia BI about GCG on Sharia Commercial Bank and
Sharia Business Units, the Board of Commissioner is responsible of monitoring,
evaluating, and giving advice to the Board of Directors regarding the policies that the
Company are going to take through the sub- committee.
Each commissioner become members of the sub-committee which have their own duty and
responsibility. While the sub-committee’s duty is to evaluate activities and give recommendation
through the discussion meeting with the board of commissioners to get an approval.
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
60
Tugas dan Tanggung Jawab
Pelaksanaan tugas dan tanggung jawab Dewan Komisaris lebih diarahkan untuk mengoptimal-
kan, memperbaiki, melengkapi, dan mengoreksi berbagai kekurangan yang ada pada Perseroan
dalam rangka memenuhi prinsip-prinsip GCG.
Independensi Dewan Komisaris
Dalam rangka menjaga independensi Dewan Komisaris, sebagaimana ketentuan yang
termaktub dalam PBI Nomor 1133PBI2009 tentang Pelaksanaan GCG
bagi BUS dan UUS, pengangkatan danatau penggantian seluruh
anggota dewan komisaris dilakukan melalui RUPS.
Pengangkatan danatau penggantian Dewan Komisaris tersebut ditetapkan berdasarkan per-
timbangan integritas, kompetensi, profesionalis- me, serta reputasi keuangan. Setiap anggota De-
wan Komisaris membuat dan menandatangani surat pernyataan bahwa mereka tidak boleh me-
miliki saham mencapai 5 atau lebih di Persero- an ataupun di bank dan perusahaan lain di da-
lam dan luar negeri.
Susunan Dewan Komisaris
Dewan Komisaris beranggotakan tiga orang, yang terdiri atas satu komisaris utama dan dua
komisaris independen. Berikut susunan Dewan Komisaris Perseroan.
Duty and Responsibility
The Board of Commissioner’s duty and responsibility implementation is more directed
to optimizing, improving, completing, and correcting various flaws that exist in the Com-
pany in order to fulfill the principles of GCG.
Board of Commissioner’s Independence
In order to maintain the independence of the Board of Commissioners, consistent with the
clause in the Central Bank of Indonesia’s Regulation number 1133PBI2009 about the
implementation of GCG for sharia commercial bank and sharia business units, the appointment
andor discharge of all Board of Commissioners is done through General Meeting of
Shareholders.
The appointment andor discharge of board of commissioners are made based on the
consideration of integrity, competency, professionalism, and financial reputation. Each
member of the Board of Commissioner made and signed a letter stating that they must not
own share as much as and more than 5 in the Company nor the bank and other company
locally and internationally.
The Structure of the Board of Commissioners
The Board of Commissioners consists of three person, which are the President commissioner
and two independent commissioner. Here is the structure of the Company’s Board of
Commissioners.
1 Sudarmin Sjamsoe, S.E.
Komisaris Utama 12 Maret 2010
7 Juni 2010 President Commissioner
March 12, 2010 June 7, 2010
2 DR. Hajriyanto Y. Thohari, M.A.
Komisaris Independen 23 September 2008
27 Oktober 2008 0,064
Independent Commissioner September 23, 2008 October 27, 2008 3
Prof. DR. Bambang Setiaji, M.Si. Komisaris Independen
6 Maret 2008 27 Oktober 2008 1,579
Independent Commissioner
March 6, 2008 October 27, 2008
KOMPOSISI KOMISARIS PT BANK SYARIAH BUKOPIN PERIODE TAHUN 2011
COMMISSIONER COMPOSITION PT BANK SYARIAH BUKOPIN 2011 YEAR PERIOD
RUPS General Meeting
of Shareholders Bank Indonesia
Central Bank of Indonesia
61
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Consistent with its function, the Board of Commissioner has given directions and advices
trough coordination meetings done with the Board of Directors.
Board of Commissioners Meeting Frequency
Consistent with the regulation of the Central Bank of Indonesia about GCG on Sharia
Commercial Bank and Sharia Business Unit, in term of duty implementation of the Board of
Commissioners and the Board of Directors, each one of them can held a Board of Commissioners
meeting, Board of Directors meeting, Board of Directors and Board of Commissioners meeting,
and Sharia Supervisory Board meeting.
Sharia Supervisory Board
Other institutional device of GCG that the Com- pany has an entity of Islamic banking business is
the Sharia Supervisory Board. Sharia Supervisory Board is a representation of National Sharia
Board-Indonesian Ulema Council in Islamic fi- nancial institution and has an independence.
Duties and Responsibilities
Consistent with the corporate Articles of Associ- ation and regulation about GCG in Sharia Com-
mercial Bank and Sharia Business Unit, Sharia Supervisory Board is responsible in giving sug-
gestion and advice to the Board of Directors and monitoring bank’s activities in order for it to be
consistent with sharia principles. Here are Sharia Supervisory Board’s duties and responsibilities:
• Implementing jobs and duties according to
GCG principles; •
Reviewing and ensuring the fulfillment of sharia principles in the operational guide and
the bank’s end product; •
Giving sharia opinions in the process of developing new products;
Sesuai dengan fungsi, Dewan Komisaris telah memberikan arahan dan nasihat melalui rapat-
rapat koordinasi yang dilakukan dengan Direksi.
Frekuensi Rapat Dewan Komisaris
Sesuai dengan ketentuan BI mengenai GCG pada BUS dan UUS, dalam pelaksanaan tugas
Dewan Komisaris dan Direksi, masing-masing dapat mengadakan rapat Dewan Komisaris,
rapat Direksi, rapat Dewan Komisaris dan Direksi, serta rapat DPS.
Dewan Pengawas Syariah
Perangkat kelembagaan GCG lain yang dimiliki Perseroan selaku entitas bisnis perbankan syari-
ah adalah Dewan Pengawas Syariah DPS. DPS merupakan perwakilan Dewan Syariah Nasional
DSN-Majelis Ulama Indonesia MUI pada lem- baga keuangan syariah dan memiliki indepen-
densi.
Tugas dan Tanggung Jawab
Sesuai dengan anggaran dasar dan aturan mengenai GCG pada BUS dan UUS, DPS
bertanggung jawab memberikan saran dan nasihat kepada Direksi serta mengawasi
kegiatan bank agar sesuai dengan prinsip syariah. Tugas dan tanggung jawab DPS
sebagai berikut:
• Melaksanakan tugas dan tanggung jawab
sesuai dengan prinsip-prinsip GCG; •
Menilai dan memastikan pemenuhan prinsip syariah terhadap pedoman operasional dan
produk yang dikeluarkan bank; •
Memberikan opini syariah terhadap proses pengembangan produk baru;
10 kali 10 times
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
62
• Meminta fatwa DSN-MUI terhadap produk
baru yang belum ada fatwanya; •
Melakukan review secara berkala terhadap pemenuhan prinsip syariah dalam
mekanisme penghimpunan dana dan pembiayaan;
• Meminta data dan informasi yang terkait
dengan aspek syariah satuan kerja satker bank dalam rangka pelaksanaan tugasnya.
Independensi Dewan Pengawas Syariah
DPS memiliki independensi dalam melaksanakan tugas dan tanggung jawabnya, sebagai berikut:
1. Jumlah anggota DPS paling kurang dua orang atau paling banyak 50 dari jumlah
anggota Direksi; 2. Seluruh anggota DPS memiliki integritas,
kompetensi, dan reputasi keuangan yang memadai;
3. Pengangkatan danatau penggantian anggo- ta DPS telah mendapat rekomendasi dari
DSN-MUI dan telah memperoleh persetujuan dari RUPS;
4. Pengangkatan danatau penggantian anggo- ta DPS dilakukan dengan memperhatikan
rekomendasi Komite Nominasi atau Komite Remunerasi dan Nominasi;
5. Masa jabatan anggota DPS tidak melebihi masa jabatan anggota Direksi atau Dewan
Komisaris; 6. Anggota DPS merangkap jabatan sebagai
anggota DPS paling banyak pada empat lembaga keuangan syariah lain.
Susunan Dewan Pengawas Syariah
DPS beranggotakan dua orang, serta terdapat rangkap jabatan pada lembaga keuangan syariah
lain. Pada 2011 peran DPS terus ditingkatkan, terutama dalam hal pengawasan dan
pelaksanaan prinsip-prinsip syariah, di antaranya melakukan uji petik secara berkala. Berikut
susunan DPS Perseroan. •
Asking fatwa from National Sharia Board-In- donesian Ulema Council for products which
have no fatwa yet; •
Reviewing in the fulfillment of sharia principles in the fund and financing
accumulation mechanism;
• Asking data and information related with
bank’s sharia work unit in term of its work implementation.
Sharia Supervisory Board Independence
Sharia Supervisory Board has these independence in implementing its duties and
responsibilities:
1. Total member of Sharia Supervisory Board is at least two person or at most 50 of the
total the Board of Directors member; 2. Every member of Sharia Supervisory Board
has adequate integrity, competency, and financial reputation;
3. The appointment andor replacement of Sharia Supervisory Board member has
received recommendation from National Sharia Board-Indonesian Ulema Council and
received approval from General Meeting of Shareholders;
4. The appointment andor replacement of Sharia Supervisory Board member is done
by considering the recommendation of Nomination Committee or the Remuneration
and Nomination Committee;
5. The member of Sharia Supervisory Board’s term of office doesn’t exceed the term of
office of the Board of Commisioners and the Board of Directors’ members;
6. Member of Sharia Supervisory Board can only concurrently as Sharia Supervisory
Board on at most other four Islamic financial institution.
Structure of Sharia Supervisory Board
Sharia Supervisory Board consist of two person, and concurrently on other Islamic financial insti-
tution. In 2011, the role of Sharia Supervisory Board keep being improved, especially in terms
of monitoring and implementing sharia principles, among others was to do periodically
test quotes. Here are the structure of the Company’s Sharia Supervisory Board
63
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Frekuensi Rapat Dewan Pengawas Syariah
Dalam pelaksanaan tugas dewan komisaris dan dewan direksi, masing-masing dapat
mengadakan rapat Dewan Komisaris, rapat Direksi, rapat Dewan Komisaris dan Direksi,
serta rapat DPS.
Pembentukan Komite
Sesuai dengan PBI Nomor 1133PBI2009 mengenai GCG bagi BUS dan UUS, sejak 2009
Perseroan sudah bisa melengkapi perangkat kelembagaan komisaris independen serta
anggota independen pada jajaran Komite Audit, Komite Pemantau Risiko, serta Komite
Remunerasi dan Nominasi.
Kelengkapan dan Pelaksanaan Tugas Komite
Guna memenuhi ketentuan mengenai GCG pada BUS dan UUS, Dewan Komisaris telah memben-
tuk tiga komite untuk membantu pelaksanaan tugas dan tanggung jawabnya. Mereka adalah
Komite Audit, Komite Remunerasi dan Nomina- si, serta Komite Pemantau Risiko. Dewan
Komisaris dan anggota komite akan berusaha
Sharia Supervisory Board Meeting Frequency
In order to implement the duty of the Board of Commissioners and the Board of Directors,
each one of them can held a Board of Commis- sioners meeting, Board of Directors meeting,
Board of Directors and Board of Commissioners meeting, and Sharia Supervisory Board meeting.
Committee Establishment
Consistent with the regulation of the Central Bank of Indonesia number 1133PBI2009
about GCG for Sharia Commercial Bank and Sharia Business Units, since 2009 the Company
has managed to complete the set of independent commissioner institutional, and
independent member in the range of Audit Committee, Risk Monitoring Committee, and
Remuneration and Nomination Committee.
Comprehensiveness and Implementation of Committee Duties
In order to fulfill the regulation about GCG on Sharia Commercial Bank and Sharia Business
Unit, the Board of Commissioners has formed three committees to help implementing its du-
ties and responsibilities. They are the Audit Committee, Remuneration and Nomination
Committee, and Risk Monitoring Committee.
KOMPOSISI DEWAN PENGAWAS SYARIAH PT BANK SYARIAH BUKOPIN PERIODE TAHUN 2011
SHARIA SUPERVISORY BOARD COMPOSITION PT BANK SYARIAH BUKOPIN 2011 YEAR PERIOD Tanggal Persetujuan
Date of Agreement No.
Nama Posisi
RUPS Dewan Syariah Nasional MUI
Rangkap Jabatan Name
Position Board of National Sharia MUI
Double Position
1 Prof. DR. H.M. Din Syamsudin, M.A.
Ketua 6 Maret 2008
24 April 2008 Bank Syariah Bukopin;
Chairman March 6, 2008
April 24, 2008 HSBC Amanah Unit Usaha Syariah;
2 H. Ikhwan Abidin Basri, M.A.
Anggota 6 Maret 2008
24 April 2008 Bank Syariah Bukopin;
Member March 6, 2008
April 24, 2008 HSBC Amanah Unit Usaha Syariah;
10 kali 10 times
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
64
seoptimal mungkin untuk memperbaiki dan melengkapi serta mengoreksi kekurangan-
kekurangan, di antaranya menetapkan pedoman dan tata tertib kerja.
Independensi Anggota Komite
Dalam menjalankan tugas dan tanggung jawabnya, anggota komite memiliki
independensi. Independensi tersebut tercermin dari hal-hal sebagai berikut:
• Seluruh pihak independen anggota komite
merupakan pihak di luar BUS dalam hal ini Perseroan yang tidak memiliki hubungan
keuangan, kepengurusan, kepemilikan saham, danatau hubungan keluarga dengan
pemegang saham pengendali, anggota Dewan Komisaris danatau anggota Direksi
atau hubungan keuangan danatau hubungan kepemilikan saham dengan Per-
seroan. Sehingga, dapat mendukung kemampuannya untuk bertindak
independen.
• Seluruh pihak independen yang berasal dari
mantan anggota direksi BUS dalam hal ini Perseroan yang tidak melakukan fungsi
pengawas telah menjalani masa tunggu cooling off selama enam bulan.
a. Komite Audit
Komite Audit memastikan independensi dan objektivitas akuntan publik ataupun auditor
internal serta menyediakan forum diskusi yang independen dari manajemen. Selain itu, Komite
Audit mengevaluasi kualitas audit yang dilakukan, baik oleh akuntan publik maupun
auditor internal.
Susunan Komite Audit
Struktur, keanggotaan, keahlian, dan independensi anggota Komite Audit Perseroan
pada 2011 adalah sebagai berikut. The Board of Commisioners and members of
the commitee will try as optimal as possible to improve, complete, and correct flaws, establish
to determine work guidelines and order.
Committee Member’s Independence
In implementing its duties and responsibilities, the member of the committees has
independence that is indicated on these things:
• All independent party of the committee
member is an external party outside Sharia Commercial Bank. In this case, they don’t
have any financial relationship, stewardship, share ownership, andor family relation with
controlling shareholders, members of the Board of Commissioners andor Board of
Directors, and financial relationship andor share ownership relationship with the
Company. Thus, this will support its ability to be independent.
• Every independent party is an ex member of
Sharia Commercial Bank Directors, in this case the Company, which doesn’t do
monitoring function, has went through a cooling off period for at least six months.
a. Audit Committee
The Audit Committee ensure the independence and objectivity of public accountant or internal
auditor, and provide forum discussions that are independent from the management. In addition,
the Audit Committee evaluated the quality of au- dit that is done, both by public accountant and
the internal auditor.
Audit Committee Structure
This is the structure, membership, expertise, and independence of the Audit Committee
member of the Company on 2011:
65
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Frekuensi Rapat Komite Audit
b. Komite Remunerasi dan Nominasi
Sesuai dengan fungsinya, Komite Remunerasi dan Nominasi memiliki tugas dan tanggung
jawab yang terkait dengan evaluasi kebijakan remunerasi dan rekomendasi kebijakan nominasi
Perseroan kepada Dewan Komisaris serta struktur, keanggotaan, keahlian, dan
independensi anggota.
Susunan Komite Remunerasi dan Nominasi
Susunan Komite Remunerasi dan Nominasi Per- seroan pada 2011 adalah sebagai berikut:
Audit Committee Meeting Frequency
b. Remuneration and Nomination Committee
Consistent to its function, the Remuneration and Nomination Committee has jobs and re-
sponsibilites related the evaluation of remune- ration policy and recommendation Company’s
Nomination policy to the Board of Commissio- ners, and the structure, membership, expertise,
independency of the members.
Structure of Remuneration and Nomination Committee
Here is the structure of remuneration and nomination committee of the Company on
2011:
No. NamaPosisi
Persetujuan Name Position
Agreement
1 Prof. DR. Bambang Setiaji, M.Si.
Hasil Keputusan Rapat Dewan Komisaris Tanggal 31 Mei 2010 Ketua
Result of the Board of Commissioners Meeting on May 31, 2010 Chairman
Surat Keputusan Direksi No. 109Skep-DIRBSB-JKTVI2010 Tgl. 3 Juni 2010
2 Novin Bermansyah
Anggota Member
3 Doddy
Sutandar Anggota
Member
Rapat Komite Audit Audit Commitee Meeting
10 kali kehadiran rapat 10 times meeting attendance
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
66
Frekuensi Rapat Komite Renumerasi dan Nominasi
c. Komite Pemantau Risiko
Sesuai dengan fungsi dan tanggung jawabnya, Komite Pemantau Risiko melakukan evaluasi
terhadap kebijakan manajemen risiko, termasuk eveluasi pelaksanaan tugas Komite Manajemen
Risiko dan Satuan Kerja Manajemen Risiko untuk kemudian direkomendasikan kepada dewan
komisaris.
Susunan Komite Pemantau Risiko
Struktur, keanggotaan, keahlian dan independensi anggota Komite Pemantau Risiko
Perseroan adalah sebagai berikut.
Remuneration and Nomination Committee Meeting Frequency
c. Risk Monitoring Committee
Consistent to its function and responsibility, the Risk Monitoring Committee evaluates risk
management policy, including the Risk Management Committee and Risk Management
Work Unit’s job implementation evaluation to furthermore be recommended to the Board of
Commissioners.
Structure of Risk Monitoring Committee
Structure, membership, expertise, and independence of the members of Risk
Monitoring Committee of the Company as follows:
Rapat Komite Remunerasi dan Nominasi Remuneration and Nomination
Commitee Meeting 0 kali kehadiran rapat
0 times meeting attendance No.
NamaPosisi Persetujuan
Name Position Agreement
1 DR. Hajriyanto Y. Thohari, M.A.
Hasil Keputusan Rapat Dewan Komisaris Tanggal 27 Mei 2011 Ketua
Result of the Board of Commissioners Meeting on May 27, 2011 Chairman
Surat Keputusan Direksi No. 082SKEP-DIRKP-JKTV2011 Tgl. 30 Mei 2011
2 Prof. DR. Bambang Setiaji, M.Si.
Anggota Member
3 Sudarmin Sjamsoe, S.E.
Anggota Member
4 Rismarini Anggota
Member
67
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Frekuensi Rapat Komite Pemantau Risiko
Direksi
Direksi atau Board of Director BoD merupakan perangkat kelembagaan utama dalam
pengimplementasian GCG pada Perseroan. Pe- ngangkatan danatau penggantian seluruh ang-
gota Direksi, disetujui melalui forum RUPS dan sejalan dengan kriteria utama, yaitu mempertim-
bangkan integritas, kompetensi, profesionalisme, dan reputasi keuangan yang memadai.
Tugas dan Tanggung Jawab
Berdasarkan PBI Nomor 1133PBI2009 menge- nai GCG bagi BUS dan UUS, Direksi adalah or-
gan Perseroan yang berwenang dan bertang- gung jawab penuh atas pengurusan Perseroan
sesuai dengan maksud dan tujuan Perseroan. Terkait dengan implementasi GCG, ke depan
dewan direksi akan lebih mengoptimalkan upaya menindaklanjuti temuan-temuan dari hasil
pengawasan Bank Indonesia.
Risk Monitoring Committee Meeting Frequency
The Board of Directors
The Board of Directors BoD is the main institutional device in implementing GCG in the
Company. The appointment andor replacement of every member the Board of Directors are
approved through the General Meeting of Shareholders and consistent with the main
criteria, which consider appropriate integrity, competency, professionalism, and financial
reputation.
Duties and Responsibility
Based on Bank Indonesia regulations Number 1133PBI2009 about GCG on sharia commer-
cial bank and sharia business units, Board of Directors is a Com pany organ which has the full
authority and responsibility on managing the Company in accordance with the Company’s
aims and objectives. Related to the implementation of GCC, in the future the board
of directors will optimize the effort of following- up the findings from the results of the Central
Bank of Indonesia monitoring even more.
No. NamaPosisi
Persetujuan Name Position
Agreement
1 DR. Hajriyanto Y. Thohari, M.A.
Hasil Keputusan Rapat Dewan Komisaris Tanggal 15 April 2009 Ketua
Result of the Board of Commissioners Meeting on April 15, 2009 Chairman
Surat Keputusan Direksi No. 029SKEP-DIRKP-BSBV2009 Tgl. 28 Mei 2009
2 Prof. DR. Bambang Setiaji, M.Si.
Anggota Member
3 Betarto
Fitriaji Anggota
Member
Rapat Komite Pemantau Resiko Risk Monitoring Commitee Meeting
11 kali kehadiran rapat 11 times meeting attendance
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
68
Independensi Direksi
Direksi melaksanakan tugasnya secara indepen- den dan tidak mendapat campur tangan dari pi-
hak-pihak lain yang bertentangan dengan aturan yang berlaku. Untuk mencegah terjadinya bentu-
ran kepentingan, anggota Direksi tak saling me- miliki hubungan keluarga sampai dengan derajat
kedua dengan sesama anggota Dewan Komisaris danatau Direksi. Anggota Direksi te-
lah membuat dan menandatangani surat pernya- taan bahwa anggota Direksi tidak memiliki sa-
ham yang mencapai 5 atau lebih pada Per- seroan maupun bank dan perusahaan lain di da-
lam dan luar negeri.
Susunan Direksi
Keanggotaan direksi Perseroan berjumlah empat orang, terdiri atas satu direktur utama dan tiga
direktur, serta tidak ada rangkap jabatan pada bank lain.
Frekuensi Rapat Direksi
Dalam pelaksanaan tugas Dewan Komisaris dan Direksi, masing-masing dapat mengadakan rapat
Dewan Komisaris, rapat Direksi, rapat Dewan Komisaris dan Direksi, serta rapat Dewan
Pengawas Syariah.
Board of Directors‘s independence
The Board of Directors perform their duties in- dependently without interference from other
parties which contradictive with the regulation applied. To avoid conflict of interests, members
of Board of Directors must not have a family re- lationship up until the second degree with fel-
low member Board of Commissioners andor Board of Directors. The Board of Directors
members don’t have shares up to or more than 5 on the Company or on other banks and
company locally and internationally.
Structure of Board of Directors
The Company‘s Board of Directors total mem- ber is four person, which consists of a presi-
dent director and three directors, and concur- rently on other banks are not allowed.
Board of Directors Meeting Frequency
In order to implement the duty of the Board of Commissioners and the Board of Directors,
each one of them can held a Board of Commis- sioners meeting, Board of Directors meeting,
Board of Directors and Board of Commissio- ners meeting, and Sharia Supervisory Board
meeting. 1
Riyanto Direktur Utama
23 September 2008 27 Oktober 2008
President Director BA RUPSLB no. 38
No.1021GBIDPbS 2
Harry Harmono Busiri Direktur Bisnis
12 Maret 2010 7 Juni 2010
Business Director 3
Ruddy Susatyo Direktur Operasi
BA RUPS no. 8 No.128DPbSPADB 0
dan Pelayanan
Service and Operations Director
4 Eriandi
Direktur Kepatuhan dan
Manajemen Risiko
Compliance and Risk Management
Director
KOMPOSISI DIREKSI PT. BANK SYARIAH BUKOPIN PERIODE TAHUN 2011
THE BOARD OF DIRECTOR COMPOSITION PT. BANK SYARIAH BUKOPIN 2011 YEAR PERIOD No.
Nama Name
Posisi Position
Tanggal Persetujuan Approval Date
RUPS General Meeting
of Shareholders Bank Indonesia
Central Bank of Indonesia
Komposisi Kepemilikan
Saham Shareholder
Composition
69
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Shares Option yang Dimiliki Komisaris, Direksi, dan Pejabat Eksekutif
Untuk buy back shares danatau buy back obligasi Perseroan, hal itu tidakbelum ada atau
dilakukan oleh Perseroan.
Satuan Kerja Audit Internal
Satuan Kerja Audit Internal SKAI merupakan unit kerja independen yang langsung
bertanggung jawab kepada Direktur Utama Perseroan. Pelaksanaan audit internal
merupakan salah satu pilar untuk menopang efektivitas pengendalian internal, pengelolaan
risiko, dan GCG pada Perseroan.
Ketiga hal tersebut sangat dibutuhkan untuk meningkatkan kemungkinan pencapaian tujuan
dan target yang ditetapkan, namun dengan tingkat risiko yang rendah. Sebagai upaya untuk
mendukung implementasi GCG di Perseroan, SKAI telah melaksanakan fungsi dan tugasnya
sebagai berikut:
1. Melakukan evaluasi terhadap efektivitas, efisiensi, dan kepatuhan dalam proses
bisnis Perseroan melalui metodologi audit berbasis risiko terhadap seluruh proses
bisnis yang ada di Perseroan;
2. Melakukan kegiatan monitoring kebenaran dan kewajaran angka-angka dalam laporan
keuangan secara berkelanjutan terutama pada akun-akun pos-pos neraca keuangan
yang sensitif seperti pendapatan dan biaya, sehingga kesalahan penyajian pada laporan
keuangan dapat diminimalisir;
Shares Option Owned by the Board of Commisioners, the Board of Directors,
and Executive Officers
The option to buy back shares andor buy back bonds hasn’t been done by the Company.
Internal Audit Task Force
Internal Audit Task Force SKAI is an independent unit directly responsible to the
President Director of the Company. The implementation of internal audit was one of the
pillars to support the effectiveness of internal control, risk management and GCG at the
Company.
Those three things were needed to increase the possibilities of achieving objectives and targets
set, but with low risk. In an effort to support the implementation of the GCG in the Company,
Internal Audit Task Force has carried out its functions and duties as follows:
1. Evaluating the effectiveness, efficiency, and
compliance in the business of the Company through the methodology of risk-based
audit of all existing business processes in the Company;
2. Monitoring activities of truth and fairness of
the figures in the financial statements on an ongoing basis, especially in the accounts
balance sheet items which were sensitive as to revenues and expenses, so that errors
in the presentation of financial statements can be minimized;
27 kali 27 times
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
70
3. Mengkoordinasikan aktivitas dengan proses pengelolaan risiko untuk memperoleh input
maupun output mengenai penilaian risiko; 4. Berperan serta sebagai konsultan atau
partner bagi pihak-pihak intern yang
membutuhkan, seperti memberikan masukan atas usulan proposal kebijakan atau sistem
dan prosedur dan memastikan kecukupan aspek-aspek pengendalian intern;
5. Melakukan audit atas aspek pembiayaan, operasional, dan juga kajian atas pengen-
dalian internal. Hasil dari proses pelaksanaan audit tersebut didokumentasikan di dalam
Laporan Hasil Audit LHA yang berisi informasi mengenai temuan, kesimpulan hasil
audit penerapan pengendalian internal, dan kesimpulan pengungkapan kondisi cabang-
cabang yang memerlukan perbaikan, kerangka acuan untuk tindakan-tindakan
yang harus diambil oleh manajemen berdasarkan rekomendasi dan penjelasan
pandangan objek audit. LHA disampaikan kepada Direktur Utama dan Dewan Komisaris
melalui Komite Audit, serta auditee terkait;
6. Melakukan monitoring terhadap tindak lanjut temuan audit SKAI, sesuai dengan arahan Di-
reksi dan atau Komite Audit; 7. Menyusun pedoman audit dan program atau
rencana kerja tahunan, sehingga pelaksanaan audit dapat berjalan efektif dan efisien serta
tepat sasaran; 8. Peningkatan kualitas aparat SKAI secara
berkelanjutan melalui pelatihan-pelatihan.
Penerapan Customer Due Diligence
Secara berkelanjutan Perseroan melalui Direkto- rat Kepatuhan dan Manajemen Risiko, berupaya
terus menerus memperbarui kebijakan dan pro- sedur prinsip pengenalan nasabah, termasuk
upaya mengembangkan sistem CDD yang ber- landaskan pada peraturan dan perundang-un-
dangan terkini, mendeteksi transaksi yang men- curigakan, dan kemudian melaporkannya kepada
Pusat Pelaporan dan Analisa Transaksi Keuangan PPATK.
3. Coordinating activities with the risk
management process to obtain input and output of the risk assessment;
4. Participating as consultants or partners for
internal parties in need, such as providing input on the proposal policies proposal or
system and procedures and ensure the adequacy of internal control aspects;
5. Auditing the financial aspects, operational,
and also a review of internal control. The results of the audit process was
documented in the Audit Report LHA which contains information about the
findings, the conclusion of the audit the implementation of internal controls,
disclosure and the conclusion of the branches of the conditions that repair,
frame of reference for actions to be taken by management based on the
recommendations of audit objects views and explanations. LHA submitted to the
Director and the Board of Commisioners President through the Audit Committee,
and also the relevant auditee;
6. Conduct follow-up monitoring of the
Internal Audit Task Force Unit findings, according to the direction from the Board
of Directors and Audit Committee;
7. Develop guidelines and program audits or
annual work plans, so the audit can be run effectively and efficiently and on target;
8. Improvement the quality of Internal Audit
Task Force personnel on an ongoing basis through training.
Implementation of Customer Due Diligence
On an ongoing basis the Company through the Compliance and Risk Management Directorate,
is constantly striving to update policies and procedures for the introduction of the principle
of customers, including efforts to develop the CDD system based on rules and current
legislation, to detect suspicious transactions, and then report it to Indonesia Financial
Transactions Report and Analysis Centre PPATK.
71
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Dalam mendukung fungsi tersebut, Perseroan te- lah membentuk Unit Kerja Pengenalan Nasabah
UKPN di bawah Direktorat Kepatuhan. Persero- an juga mengembangkan sistem operasional khu-
sus yang mendukung kemampuan UKPN untuk menganalisis profil nasabah maupun profil tran-
saksi nasabah. Beberapa fasilitas yang terdapat dalam sistem tersebut di antaranya:
• Mengidentifikasi dan menyaring nasabah;
• Menelusuri transaksi keuangan bank
terhadap nasabah; •
Mendeteksi nasabah yang datanya belum diperbarui;
• Melakukan identifikasi terhadap transaksi
keuangan yang mencurigakan. Pengembangan sistem tersebut adalah bagian
penerapan CDD sebagaimana yang diwajibkan oleh Bank Indonesia.
Penyebarluasan dan pengembangan program CDD
secara lebih efektif dilakukan melalui sosia- lisasi kepada seluruh cabang mengenai pengapli-
kasian program CDD disertai pelatihan terhadap unit kerja terkait, baik yang diselenggarakan oleh
PPATK maupun oleh Bank Indonesia.
Internal Fraud, Permasalahan Hukum, dan Upaya Penyelesaian oleh Bank
Pada periode 2011 tidak terdapat permasalahan internal fraud
. Sedangkan, untuk permasalahan hukum
, sesuai dengan komitmen Perseroan,
mela lui manajemen baru telah ditindaklanjuti be- berapa permasalahan hukum terhadap nasabah
bermasalah kepada pihakinstansi yang ber- wenang.
To support these functions, the Company has established a Know Your Customer Unit KYC
under the Directorate of Compliance. The Company has also developed a special
operating system that supports KYC’s ability to analyze customer profile and the profile of
customer transactions. Some of the facilities contained in the system include:
• Identifying and filtering the customer;
• Tracing the financial bank transactions of
the customer; •
Detecting the customer whose data has not been updated;
• Identifying suspicious financial transactions.
The development of such systems was the app- lication of CDD as required by Central Bank of
Indonesia.
Dissemination and development of CDD pro- gram more effectively done through socialization
to all branches regarding application of CDD program with training related of the work unit,
whether organized by PPATK or Central Bank of Indonesia.
Internal Fraud, Legal Issues, and Sett- lement Efforts
Throughout the 2011 period, there weren’t any internal fraud problems. While for legal issues,
consistent with the Company’s commitment, several legal issues towards several troubled
consumers had been followed-up with the authorities.
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
72
Transaksi yang Mengandung Benturan Kepentingan
Dalam menjalankan operasionalnya, Perseroan memiliki kebijakan, pedoman sistem dan prose-
dur seperti halnya limit Komite Pembiayaan, ke- bijakan opini manajemen risiko dan kepatuhan,
kebijakan SDI, serta kebijakan dan prosedur ope- rasional bank lainnya yang senantiasa digunakan
oleh manajemen sebagai pertimbangan dalam setiap pengambilan keputusan.
Secara keseluruhan pelaksanaan prinsip syariah dalam kegiatan penghimpunan dana dan
transaksi penyaluran dana serta pelayanan jasa Perseroan telah sesuai dengan kriteriaindikator.
Untuk lebih meningkatkan kesesuaian, Perseroan melengkapinya dengan rekomendasi DPS
berdasarkan hasil review dan uji petik yang dilakukan.
Transaction Contain Conflict of Interests
In running its operations, the Company has poli- cies, system guidelines, and procedures as in li-
mitations of Financing Committee, compliance and risk management opinion policy, human re-
sources policy, and other banking policy and operational procedures which continuously used
by the management as a consideration in every decision making.
In overall, the implementation of sharia principles in the activities of fund accumulation
and fund distribution transactions, and the Company’s service attendance has been in
accordance with the criteriaindicator. To increase the suitability, the Company completes
it with the recommendation from Sharia Supervisory Board based on the review and
quote test done.
No. Nama dan Jabatan
yang Memiliki Benturan Kepentingan
Name and Position that Have Conflict Interest
Nama dan Jabatan Pengambil Keputusan
Name and Position of Decision Maker
Jenis Transaksi
Transaction Type
Nilai Transaksi Jutaan Rp
Transaction Value in Million Rp
Keterangan Remark
- - -
- -
-
Tabel Jumlah Kasus Internal Fraud Table Number of Internal Fraud Case
Internal Fraud dalam 1 tahun Internal Fraud in 1 Year
Total Fraud Total Fraud
Telah diselesaikan Have been settled
Dalam proses penyelesaian di internal bank
In the Settlement proces from internal bank
Belum diupayakan penyelesaian Have not
yet in strive of settlement Telah ditindaklanjuti melalui proses
hukum Have been follow up through the
legal process Pengurus
Management Pegawai Tetap
Permanent Employee Pegawai tidak Tetap
Non Permanent Employee Tahun
sebelumnya Previous
Year Tahun
Berjalan Current
Year Tahun
sebelumnya Previous
Year Tahun
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Year Tahun
sebelumnya Previous
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BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Sekretaris Perusahaan
Berdasarkan Surat Keputusan Direksi No. 122 SKEP-DIRBSB-JKTXII2009 Tanggal 28
Desember 2009, Perseroan menunjuk Evi Yulia Kurniawati sebagai Kepala Sekretaris Perusahaan
Perseroan.
Tugas dan Tanggung Jawab
Sekretaris Perusahaan bertugas sebagai liaison officer
pejabat penghubung dalam rangka membantu Direksi Perseroan untuk
mengomunikasikan dan menginformasikan pesan-pesan penting, termasuk informasi
keuangan Perseroan kepada segenap stakeholders
. Komunikasi dan penyebaran informasi keuangan yang dimaksud terkait
dengan kinerja Perseroan maupun informasi- informasi lain, baik kepada pemerintah, BI,
pemegang saham, nasabah, pelaku usaha, maupun masyarakat.
Selain tugas tersebut, Sekretaris Perusahaan telah menjalankan peran dan fungsinya yang
berhubungan dengan kemasyarakatan dan aktivitas-aktivitas kesekretariatan. Dalam
menjalankan tugas dan tanggung jawabnya, Sekretaris Perusahaan selalu mengedepankan
prinsip transparansi sebagai referensi utama kegiatan komunikasinya sehingga diharapkan
mampu meningkatkan loyalitas stakeholders terhadap eksistensi dan posisi Perseroan pada
masa sekarang dan yang akan datang.
Sepanjang 2011 secara rutin Sekretaris Perusahaan telah mengakselerasi proses
penerbitan majalah internal BSB NEWS yang diposisikan sebagai media komunikasi internal
perusahaan dan pembuatan jejaring sosial untuk komunikasi pihak luar melalui Facebook
Perseroan dengan account
Bank Syariah Bukopin
. Sekretaris Perusahaan juga telah melaksanakan sejumlah kegiatan yang berkaitan
dengan tanggung jawab sosial perusahaan yang melibatkan masyarakat sekitar.
Terkait dengan penyebaran informasi perusahaan, seperti laporan tahunan, siaran pers, dan
informasi lain yang dibutuhkan nasabah, investor, serta masyarakat, Sekretaris Perusahaan telah
mengelola
www.syariahbukopin.co.id
Corporate Secretary
Based on Board of Director Decree No. 122 SKEP-DIRBSB-JKTXII2009 On December 28,
2009, the Company appointed Evi Yulia Kurniawati as the Company s Head of Corporate
Secretary.
Duties and Responsibilities
The Corporate Secretary has served as liaison officer in order to assist the Board of Directors
of the Company to communicating and informing important messages, including the
Company’s financial information to all stakeholders. Communication and dissemination
of financial information that is related to the performance of the Company and such other
information, either to the government, Central Bank of Indonesia BI, shareholders, customers,
business, and society.
In addition to carrying out this task, the Corporate Secretary has perform the role and
function in the task that related to social and secretarial activities. In performing its duties and
responsibilities, the Corporate Secretary has always put forward the principle of transparency
as the main reference of communication activities to increase loyalty of the stakeholders
to the existence and position of the Company on the present and the future.
Throughout 2011, Corporate Secretary on a regular basis has accelerate the publishing
process of BSB NEWS internal magazine that positioned as the medium for company’s
internal communications and creat of social networks for communication outside by the
facebook Company with
Bank Syariah Bukopin account. The Corporate Secretary has also
implemented a number of activities related to corporate social responsibility involving the
surrounding community.
Associated with the dissemination of corporate information, such as annual reports, press
releases, and other information needed by customers, investors, and the public, the
Corporate Secretary has been managing
www.syariahbukopin.co.id
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
74
compliance risk management
manajemen risiko dan kepatuhan
Firm.
” Throughout 2011, the Company in concrete has confirm the potential risks that may
arise and provide an analysis of the relevant divisions on how to mitigate risks that may arise
in the future” .
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BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Throughout 2011, on an ongoing basis, the implementation of risk management and
compliance has contributed in terms of the achievement of the Company business targets.
In practice, the contribution was made, among others, to participate in providing the opinions
of the processes of financing provided by the Company, either to new financing, increase, as
well as the extension of the good Service Level Agreement SLA.
In concrete terms, the Company has emphasize the potential risks that may arise and provide an
analysis of the relevant divisions on how to mitigate risks that may arise in the future. As an
affirmative step and also to accelerate the process and implementation of risk
management, throughout 2011, the Company developed a number of the following important
things:
The Risk Profile
The Company continue to make sustainable improvements in terms of risk management,
especially in terms of monitoring and risk control. In presenting the report risk profile,
along with the issuance of PBI No.1323 PBI2011 dated November, 2, 2011 on the
Application of Risk Management for Sharia Commercial Bank and Sharia Business Unit, and
along with this, in the future the Company will deliver eight 8 risk, namely: 1 Financing Risk,
2 Market Risk, 3 Liquidity Risk, 4 Operational Risk, 5 Legal Risk, 6 Strategic Risk, 7
Compliance Risk, and 8 Reputation Risk .
Due to changeover conditions and new regulations relating to the risk management of
Islamic banking provided by the regulation above, the Company continue to make
adjustments to the rules and policies. The regulation explained, other than 8 eight risks
such as risks in the conventional banking system to be managed, there are 2 two additional risks
Sepanjang 2011, secara berkesinambungan, implementasi manajemen risiko dan kepatuhan
telah berkontribusi dalam hal pencapaian target bisnis Perseroan. Dalam praktiknya, kontribusi
tersebut dilakukan antara lain dengan turut memberikan opini-opini terhadap proses-proses
pembiayaan yang diberikan oleh Perseroan, baik untuk pembiayaan baru, penambahan, maupun
perpanjangan dengan Service Level Agreement SLA yang baik.
Secara konkret, Perseroan telah mempertegas potensi-potensi risiko yang mungkin timbul dan
memberikan analisis kepada divisi terkait tentang bagaimana memitigasi risiko-risiko yang
mungkin timbul di kemudian hari. Sebagai langkah penguatan sekaligus mengakselerasi
proses dan implementasi manajemen risiko, sepanjang 2011, Perseroan mengembangkan
sejumlah hal penting berikut ini:
Profil Risiko
Perseroan secara berkesinambungan terus melakukan perbaikan-perbaikan dalam hal
penerapan manajemen risiko terutama dalam hal pemantauan dan pengendalian risiko. Dalam
penyajian Laporan Profil Risiko, seiring dengan telah dikeluarkannya PBI No.1323PBI2011
tanggal 2 November 2011 tentang Penerapan Manajemen Risiko bagi Bank Umum Syariah dan
Unit Usaha Syariah, dengan ini ke depan Perseroan akan menyampaikan 8 delapan
risiko, yaitu: 1 Risiko Pembiayaan; 2 Risiko Pasar; 3 Risiko Likuiditas; 4 Risiko
Operasional; 5 Risiko Hukum; 6 Risiko Strategik; 7 Risiko Kepatuhan; dan 8 Risiko
Reputasi.
Sehubungan dengan perubahan kondisi dan peraturan baru yang berhubungan dengan
pengelolaan manajemen risiko untuk perbankan syariah seperti diatur dalam PBI di atas, maka
Perseroan terus berupaya melakukan penye- suaian terhadap aturan dan kebijakan dimaksud.
Dalam PBI tersebut dijelaskan, selain 8 delapan risiko seperti risiko-risiko di perbankan konven-
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
76
that should and must be well managed by the Islamic banking, rate of return risk and equity
investment risk. In that context, although this two risk have not been included in risk
assessment by the regulator, but the Company still has to consider this as a risk that have to
be managed properly.
Associated with the escalation and the impact of global crisis that hit developed countries in
Europe and the United States U.S. to the national economy, the Company has
implemented a risk management strategy to strengthen the fundamentals of the Company
against possible risks, particularly in risk financing. As mitigation steps, the Company
has conducted a more in-depth evaluation of a number of processes in the areas of financing
provided. In practice, the Company avoid high- risk financing and has substantial effect on the
sustainable of the Company business . sio nal yang harus dikelola, terdapat 2 dua risiko
tambahan yang harus dan wajib dikelola pula oleh perbankan syariah, yakni risiko imbal hasil
rate of return risk dan risiko investasi equity investment risk
. Dalam konteks tersebut, meskipun kedua risiko dimaksud belum dima suk-
kan ke dalam penilaian risiko oleh regulator, namun Perseroan tetap memperhitungkan
sebagai risiko yang harus dikelola dengan baik.
Terkait dengan eskalasi dan pengaruh krisis global yang melanda negara-negara maju di
kawasan Eropa dan AS terhadap perekonomian nasional, Perseroan telah menerapkan strategi
manajemen risiko terkait dengan penguatan fundamental Perseroan terhadap risiko yang
mungkin timbul, khususnya terhadap risiko pembiayaan. Sebagai langkah mitigasi, Perseroan
telah melakukan evaluasi yang lebih mendalam terhadap sejumlah proses-proses di bidang
pembiayaan yang diberikan. Dalam praktiknya, Perseroan menghindari pembiayaan-pembiayaan
yang berisiko tinggi dan berpengaruh cukup besar terhadap kelangsungan bisnis Perseroan.
77
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Compliance
Besides managing risk management, the Company also implemented appropriate and
correct compliance in accordance with the rules and policies. To facilitate its application,
the Company implemented a variety of mechanisms and systems as follows:
Supervision
The increased performance of the Company automatically lead to an increase complexity of
business activities. The increase of banking complexity operations also has the impact in
enlarging exposure of the challenges and risks. Looking at the inherent risk of the bank
nowadays, developmental challenges, and the growth of banking business risk, it require an
effort to mitigate those risks.
Kepatuhan
Selain melakukan pengelolaan manajemen risiko, Perseroan juga menerapkan kepatuhan yang
tepat dan benar sesuai dengan aturan dan kebijakan yang berlaku. Untuk memudahkan
penerapannya, Perseroan mengimplementasikan berbagai mekanisme dan sistem sebagai berikut:
Pengawasan
Meningkatnya kinerja Perseroan secara otomatis menyebabkan terjadinya peningkatan kompleksi-
tas kegiatan usaha. Kompleksitas kegiatan usaha bank yang makin meningkat mengakibat-
kan tantangan dan eksposur risiko yang dihada- pi juga semakin besar. Melihat risiko inheren
bank saat ini, perkembangan tantangan, dan risi- ko usaha bank yang makin besar, maka diperlu-
kan upaya untuk memitigasi risiko tersebut.
No Fungsi
Function
1 Melakukan pemantauan pelaksanaan strategi manajemen risiko yang
telah disetujui oleh Direksi dan Komite Manajemen Risiko Monitoring the implementation of risk management strategies that have
been approved by the Board of Directors and the Risk Management Committee
2 Melakukan pemantauan posisi risiko secara keseluruhan composite, per
jenis risiko dan per jenis aktivitas fungsional Monitoring the overall risk position composite per type of risk and per
type of functional activity
3 Melakukan kaji ulang terhadap proses manajemen risiko secara berkala
Conducting review of risk management processes on a regular basis
4 Melakukan pengkajian usulan aktivitas danatau produk baru yang
diajukan Assessing the proposed activity and or proposed new products
5 Memberikan rekomendasi kepada unit operasional risk taking unit dan
atau Komite Manajemen Risiko Providing recommendations to the operational unit risk-taking unit and
or a the Risk Management Committee 6
Menyusun menyampaikan Laporan Profil Risiko secara berkala kepada pihak-pihak yang terkait
Preparing and submit a Risk Profile Report periodically to the relevant parties
Aktivitas
Activities
Menghadiri pelaksanaan rapat-rapat yang diadakan internal Perseroan berdasarkan disposisi Direktur Kepatuhan dan Manajemen Risiko terutama
yang terkait dengan risiko dan kepatuhan bisnis Attending implementation meetings held by internal company based
on disposition of the compliance and risk management director which primarily associated with business risk and compliance
Mengumpulkan data internal terkait risiko pada setiap aktivitas fungsional terutama data pembiayaan, operasional dan treasury
Collecting internal data related to risk on each functional activity, especially the data of financing, and treasury operations
Melakukan pengumpulan database dari eksternal sebagai bahan kajian Collecting database from external as a suggested resources
Melakukan review dan evaluasi internal terhadap program kerja dan pelaksanaan manajemen risiko secara berkala
Conducting an internal review and evaluation of work programs and implementation of risk management on a regular basis
Melakukan pengembangan sistem manajemen risiko Conducting risk management system development
Memberikan opini atas draft usulan aktivitas danatau produk baru Providing an opinion on the draft proposal activity and or new products
Memberikan opini dan rekomendasi atas permohonan pembiayaan Grant an opinion and recommendation on financing application
Membuat dan menyampaikan Laporan Profil Risiko secara triwulanan kepada Bank Indonesia BI
Creating and submit a Risk Profile Report quarterly to Central Bank of Indonesia BI
Membuat dan menyampaikan Laporan Risiko bulanan kepada Direktur Utama, Dewan Komisaris dan Komite Pemantau Risiko
Creating and submit monthly Risk Reports to the President Director, Board of Commissioners and the Risk Monitoring Committee
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
78
These efforts can be ex-ante preventive and ex-post curative. The effort, which is ex-ante is
necessary to reduce or minimize the potential risk of banking operations that expected to
happen. Good risk management and a timely are expected to minimize the impact of risk as early
as possible.
Procedural System
In relation with existing systems and procedures, the Company always review the
systems and procedures to conform with applicable regulations, among others, Bank
Indonesia Regulation PBI and Circular Letter of Bank Indonesia SEBI, so it can be up to date
and comply with those regulations.
Testing System
In relation with testing systems, the Company is building a system information web-based to be
used to measure the extent of compliance with the proposed financing of the applicable
regulations through the Compliance Self Assessment CSA.
Opinions and Notes
As a form of compliance implementation, the Company through the Compliance Division also
gives compliance opinion which contained in the Policy and Funding Guidelines, both for the
proposed financing, new products or new activity, so it can comply with the applicable
rules.
External Regulation Study
Against the new regulation from external parties, in this case Central Bank of Indonesia, the
Company through the Division of Compliance is always socializing and has more in-depth study
of the regulation to all relevant work units, and the rules are also used as a data bank that can
be accessed directly through the compliance web.
Upaya-upaya tersebut dapat bersifat ex-ante preventif maupun ex-post kuratif. Upaya yang
bersifat ex-ante sangat diperlukan untuk mengu- rangi atau memperkecil potensi risiko kegiatan
usaha bank yang diperkirakan akan terjadi. Pe- ngelolaan risiko yang baik dan tepat waktu diha-
rapkan dapat meminimalisir dampak risiko sedini mungkin.
Sistem Prosedur
Terkait dengan sistem dan prosedur yang ada, Perseroan selalu melakukan review terkait sistem
dan prosedur tersebut untuk disesuaikan dengan peraturan-peraturan yang berlaku, antara lain
Peraturan Bank Indonesia PBI maupun Surat Edaran Bank Indonesia SEBI, sehingga comply
dan up date terhadap peraturan tersebut.
Sistem Pengujian
Terkait sistem pengujian, Perseroan sedang membangun sistem informasi berbasis web yang
akan digunakan untuk mengukur sejauh mana tingkat kepatuhan atas pembiayaan yang
diusulkan terhadap peraturan-peraturan yang berlaku melalui sistem Compliance Self
Assesment
CSA.
Opini dan Catatan
Sebagai wujud penerapan kepatuhan, Perseroan melalui Divisi Kepatuhan turut memberikan opini
kepatuhan dimana tertuang dalam Pedoman Kebijakan dan Pembiayaan, baik atas usulan
pembiayaan, produk baru maupun aktivitas baru, sehingga tetap comply dengan aturan yang
berlaku.
Kajian Regulasi Eksternal
Terhadap regulasiperaturan yang baru dari pihak eksternal, dalam hal ini Bank Indonesia,
Perseroan melalui Divisi Kepatuhan selalu melakukan sosialisasi dan kajian lebih mendalam
terhadap aturan tersebut kepada seluruh unit kerja terkait, dan atas aturan tersebut juga
dijadikan sebagai bank data yang dapat diakses secara langsung melalui web kepatuhan.
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BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Compliance Information Systems
In relation with compliance information systems, the Company has owned and
developed a web in which contain regulations both internally and externally that can be
accessed by all unit employee at
http:bsbkycpdkpt
Monitoring and Supporting
Monitoring activity that has been done such as by following up the findings from Central Bank
of Indonesia or Audit Report from Internal Audit Task Force.
Sistem Informasi Kepatuhan
Terkait sistem informasi kepatuhan, Perseroan telah memiliki dan mengembangkan web yang di
dalamnya memuat peraturan-peraturan baik internal maupun eksternal yang dapat diakses
oleh seluruh unit kerjakaryawan dengan portal
http;bsbkycpdkpt
Monitoring dan Supporting
Monitoring yang dilakukan antara lain dengan
menindaklanjuti hasil temuan Bank Indonesia maupun LHA SKAI.
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
80
P e n g e m b a n g a n .
“ Guna memenangkan persaingan secara sehat, Perseroan fokus terhadap
pengembangan sumber daya insani dengan cara peningkatan kompetensi berlandaskan
pada nilai-nilai budaya Perseroan” .
Development.
“ To win healthy competition, the Company has focused on human resource development by improving the
based on the values of corporate culture” .
human resources
sumber daya insani
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BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Sumber
daya insani SDI merupakan salah satu aset dan kunci penting dalam menghadapi
persaingan bisnis yang makin ketat. Terkait de- ngan hal itu, Perseroan meyakini bahwa untuk
mencapai target bisnis yang telah ditentukan, maka pengelolaan dan pengembangan SDI harus
dilakukan secara tepat dan kontinu, baik secara kuantitatif maupun kualitatif.
Untuk meningkatkan pengembangan dan pem- berdayaan SDI, pada 2011 Perseroan telah
banyak melakukan training, workshop, dan juga seminar. Training tersebut ada yang bersifat
mandatory
, yakni karena tuntutan jabatan atau tugas, seperti sertifikasi manajemen risiko. Ada
pula training yang bersifat program khusus, den- gan jangka waktu yang relatif lebih lama, seperti
Officer Development Program ODP, training da- sar-dasar pembiayaan, atau dasar-dasar opera-
sional. Selain itu, ada yang bersifat reguler, seperti training teknis operasional dan training
untuk support.
Sedangkan, dari sisi rekrutmen, Perseroan merekrut beberapa level middle management
dari berbagai bank syariah lainnya, yang siap untuk bersaing mengejar target. Special hire
level officer
atau manager juga sudah dilakukan dalam rangka mempercepat pencapaian target
bisnis. Selain mengadakan berbagai pelatihan,
pengembangan kualitas dan kompetensi SDI dilakukan dengan cara memaksimalkan peran
para line manager LM. LM dianggap berperan penting dalam mendorong tiap karyawan untuk
meningkatkan kemampuannya melalui proses bimbingan coaching, mentoring, shadowing,
dan on the job training.
Diharapkan, para LM dapat menyadari peran penting tersebut sehingga mampu mempercepat
pencapaian target yang diinginkan. Dibanding- kan dengan 2010, jumlah LM sudah jauh lebih
Human
Resource HR has becoming one of the assets and important key in facing tight
business competition. Related to that, the Company believe that to achieved business tar-
get that has been determined, then the mana- gement and development of HR must be done
correctly and continuously, both quantitatively and qualitatively.
To enhance the development and empowerment of HR, in 2011, the Company
has conducted training, workshops, and seminars. Some training are mandatory, namely
because of the demands of the position or duties, such as risk management certification.
There are also training programs that are specific, with relatively long periods of time,
such as the Officer Development Program ODP, the basics of finance training, or
operational basics. Aside of that, there are also a regular training, such as operational technical
training and training for support.
Meanwhile, in terms of recruitment, the Company has hired several middle management
level from various other Islamic banks, whose ready to compete to achieved target. Special
hire level officer or manager has also been conducted in order to accelerate the
achievement of business targets.
Beside holding on to various training, development of quality and HR competence
has also done by maximizing the role of line manager LM. LM is considered has an
important role in encouraging each employee to improve its capabilities through the process
guidance coaching, mentoring, shadowing, and on the job training.
Hopefully LM could realize this important role so could accelerate the achievement of target
achievement. Compared with 2010, number of LM this year are more bigger. Thus, more
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
82
banyak. Dengan demikian, lebih banyak pula atasan yang dapat terlibat dalam pengembangan
bawahannya.
Agar tercipta keselarasan proses di semua level, Perseroan juga terus melakukan upaya konkret
yang ditujukan untuk membentuk budaya perusahaan yang dapat dipahami, diinternalisasi,
dan sekaligus dapat diimplementasikan oleh seluruh karyawan. Berikut ini berbagai
pencapaian Perseroan di bidang SDI:
Program Harmonisasi Karyawan
Pada Juni 2011 proses harmonisasi sistem kekaryawanan hampir 100 selesai dilakukan
dengan bergabung menjadi satu dengan karyawan eks UUS PT Bank Bukopin, Tbk yang
telah melewati masa penugasan di Perseroan selama dua tahun. Praktiknya, Program
Harmonisasi Karyawan mencakup, antara lain kompensasi benefit, kedisiplinan karyawan,
penilaian kinerja, penerapan budaya perusahaan, serta aturan-aturan lainnya.
Rekrutmen Karyawan
Sepanjang 2011, Perseroan telah melakukan rekrutmen karyawan untuk memenuhi kebutuhan
usaha bisnis, operasional, dan support secara berkesinambungan. Perseroan merekrut
sejumlah pegawai di level middle management, mulai dari level kepala divisi, manajer, dan officer
dari berbagai bank syariah lainnya, yang siap bersaing mengejar target Perseroan.
Training Karyawan
Selain melakukan training karyawan yang bersifat program, seperti ODP, Program
Operasional Cabang, serta Program Dasar-Dasar Pembiayaan Syariah, Perseroan melakukan
berbagai pelatihan yang ditujukan untuk meningkatkan kompetensi teknikal di posisi
account officer
AORelationship officer RO, dan fungsi lainnya seperti pelayanan nasabah,
marketing atau pemasaran, TI, manajemen risiko,
kepatuhan, dan bagian operasional lainnya yang mendukung usaha Perseroan.
superior could get involved in developing their subordinates.
In order to create the alignment process at all levels, the Company has also continued to
make concrete efforts aimed to establish a corporate culture that can be understood,
internalized, and also can be implemented by all employees. Following the Company’s
accomplishments in the field of HR:
Employee Harmonization Program
On June 2011 the process of employee harmonization system was almost 100
completed by joining together with former employees into PT Bank Bukopin Tbk, Shariah
Business Unit that have been through an assignment at the Company for two years. In
practice, Employee Harmonization Program include, among other, compensation benefits,
employee discipline, performance appraisal, the application of corporate culture, as well as
other rules.
Employee Recruitment
Throughout 2011, the Company has been done several employee recruitment to fill the need of
sustainability human resource in business, operational and support. The Company has
recruited numbers of employee in middle management level, from head of division level,
manager and officer from other Islamic bank, whose ready to achieve the Company’s target.
Employee Training
In addition to doing employee training program such as ODP, Branch Operational Program, and
also Basic Islamic Financing Program, the Company made a variety of training aimed at
improving the technical competence in the position of account officer AOrelationship
officer RO, and other function as well as customer service, marketing, IT, risk
management, compliance, and other operations that support the Company’s business.
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BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Database Karyawan
Selama 2011, Perseroan telah berhasil me- lakukan peningkatan dan pengembangan data-
base karyawan. Pencapaian tersebut diharapkan mampu mengakselerasi akses data menjadi lebih
akurat dan cepat. Pada 2011 juga telah disosiali- sasikan web SDI yang memudahkan karyawan
untuk mengakses secara real time absensi, uang makan, dan transport. Hal tersebut tentu sangat
berguna untuk membantu proses monitoring ata- san terhadap bawahannya.
Berikut ini data dan komposisi karyawan Per- seroan hingga posisi Desember 2011:
Employee Database
During 2011, the Company has successfully in- creased and developed its employee database.
The achievement was expected to help accele- rate data access to becomes more accurate
and faster. In 2011, web for human resources HR has also been socialized to facilitate em-
ployees to access real-time attendance, meal, and transport allowance. It is certainly very
useful to assist in terms of monitoring from su- pervisor to his subordinates.
Following are data and the composition of the Company’s employees up to December 2011:
Komposisi Karyawan Menurut Jenjang Jabatan
Employee Composition Based on Occupation Level
Jabatan Occupation
31 Desember 2011 December 31, 2011
Assistant Vice President AVP 19
Manager MGR 19
Assistant Manager AM 39
Senior Clerk 195
Junior Clerk 169
Non Clerk 51
Jumlah Total
492
Komposisi Karyawan Menurut Usia
Employee Composition Based On Age
Usia Age
31 Desember 2011 December 31, 2011
20 Thn - 25 Thn 95
25 Thn - 30 Thn 168
30 Thn - 35 Thn 88
35 Thn - 40 Thn 43
40 Thn - 45 Thn 45
45 Thn - 50 Thn 33
50 Thn - 55 Thn 15
55 Thn 5
Jumlah Total
492
Jenjang Pendidikan Education Level
31 Desember 2011 December 31, 2011
S2 Master Degree
10 S1
Bachelor Degree 315
D3 Diploma
97 SMA
Senior High School 70
Jumlah Total
492
Komposisi Karyawan Menurut Jenjang Pendidikan
Employee Composition Based On Education Level
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
84
Officer Development Program ODP dan Ma- nagement Development Program
Setelah berhasil mencetak lulusan ODP I pada Juni 2010, Perseroan berhasil memaksimalkan
kemampuan para lulusan tersebut pada 2011. Para lulusan ODP I tersebut sudah banyak ber-
peran dalam mendukung pencapaian target Per- seroan. Sejumlah lulusan ODP sudah ditugaskan
ke cabang-cabang. Dengan berjalannya waktu dan kebutuhan organisasi, terdapat 6 enam
orang lulusan ODP yang sudah dipromosikan se- bagai manajer.
Untuk pengembangan selanjutnya, akan dise- leng garakan program talent management yang
rencananya diimplementasikan pada tahun 2012. Pada program tersebut, setiap karyawan akan
di-mapping untuk diidentifikasi dan dikelompok- kan. Kemudian, disesuaikan pengembangannya
dengan potensi yang dimiliki dan kinerja yang di- hasilkan.
Program pelatihan untuk pengembangan karya- wan pada 2012 adalah training Management De-
velopment Program. Secara umum hampir sama dengan ODP program, akan tetapi program train-
ing
ini sudah disesuaikan dengan peningkatan kualitas dan metode training untuk memenuhi
tuntutan bisnis mendatang.
Sertifikasi Manajemen Risiko
Perseroan sangat concern terhadap program sertifikasi manajemen risiko. Selain diwajibkan
oleh aturan dalam Peraturan Bank Indonesia PBI No.127PBI2010, program ini sangat pen-
ting untuk menunjang kesinambungan bisnis yang sehat. Untuk itu, secara simultan Perseroan
harus terus melakukan training sertifikasi mana- jemen risiko yang dilaporkan secara berkala ke-
pada Bank Indonesia BI.
Officer Development Program ODP and Management Development Program
After graduated ODP I in June 2010, the Company managed to maximize the ability of
graduates in 2011. ODP I graduates already have involvement in supporting the
achievement of the company target. A number of ODP graduates already assigned to the
branches. As time passes and needs of the organization, there were six people who have
graduated from ODP was promoted to manager.
For further development, talent management program will be implemented in 2012. In the
program, each employee will be mapped to be identified and categorized. Then, it will be
developed customized based on their potential and the resulting performance.
Training programs in 2012 for employee development was Management Development
Program. In general, similar to the ODP, but this training program was tailored to improve
the quality and training methods to meet future business demands
Risk Management Certification
The Company was very concerned about risk management certification program. In addition
to rules required by Bank Indonesia Regulation PBI No.127PBI2010, this program is
essential to support sustainability business. To that end, the Company must continue to
simultaneously perform risk management certification training which regularly reported to
Central Bank of Indonesia BI.
Komposisi Karyawan Menurut Status Kantor
Employee Composition Based on Office Status
Status Kantor Office Status
31 Desember 2011 December 31, 2011
Tetap Permanent
Kontrak Contract
Jumlah Total
Kantor Pusat Head Office
129 76 205
Kantor Cabang Branch Office
113 142
255 Kantor Cabang Pembantu
14 18
32 Sub Branch Office
Jumlah Total
256 236
492
85
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
No Jabatan
Occupation
Keterangan
Remarks 1 Komisaris
Commissioners
67 2 Direksi
Directors
100 3 Kepala
Divisi
Head of Division
61 4 Pimpinan
Cabang
Branch Manager
50 5 Manajer
Manager
59 6
Staf Divisi Manajemen Resiko 100
dan Kepatuhan
Risk Management Compliance Staff Division
TABEL REALISASI SERTIFIKASI MANAJEMEN RISIKO PT BANK SYARIAH BUKOPIN 2011
Table Realization Risk Management Certification PT Bank Syariah Bukopin 2011
Hingga saat ini untuk level Direksi seluruhnya sudah memenuhi ketentuan PBI, di mana pihak-
pihak yang bersangkutan telah berhasil lulus uji kompetensi manajemen risiko dan mendapatkan
sertifikat manajemen risiko level empat. Untuk beberapa jabatan lainnya, seperti Kepala Divisi,
pemimpin cabang, dan manajer, beberapa di antaranya sudah ada yang memenuhi ketentuan
dalam PBI. Tapi, ada juga yang sedang dalam proses mengikuti training dan ujian untuk me-
menuhi ketentuan yang ada. Ekspektasinya, pada 2012 semua karyawan dapat memenuhi
sertifikasi sesuai dengan yang dipersyaratkan oleh BI.
Strategi
Pencapaian-pencapaian tersebut merupakan hasil konsistensi implementasi strategi Persero-
an dalam mengembangkan dan mengelola SDI. Strategi utama Perseroan sepanjang 2011
adalah pemenuhan jumlah karyawan dan pe- ningkatan kompetensi karyawan secara umum.
Mengingat, antara supply dan demand dalam industri perbankan syariah di Indonesia belum
seimbang. Karena itu, perbankan syariah masih berkutat dalam ” war of talent” , di mana orang-
orang yang bagus diperebutkan pelaku per- bankan syariah di negeri ini. Dukungan, arahan,
dan komitmen manajemen dalam hal ini sangat penting untuk pengembangan SDI saat ini dan
masa mendatang. SDI tidak mungkin akan ber- hasil tanpa dukungan seluruh manajemen dan
karyawan. Up to now for level Board of Directors has met all
the stipulation of PBI, in which the parties concerned has successfully passed the
competency test and obtain a level four certificate for risk management. For some
position, such as head of department, branch manager, and managers, some of which has
already meet the requirements in this regulation. But, some were in the process of the training
and exams to meet existing regulations. Hopefully, all employees in 2012 can the
certification as required by Central Bank of Indonesia.
Strategy
Those achievements were the result from the consistency of the Company implementation
strategy in developing and managing the Human Resources HR. The main strategy of the
Company during 2011 was fulfillment of the number of employees and improving the
competence of employees in general. Considering, between supply and demand in
Indonesia Islamic banking industry has not been balanced. Therefore, Islamic banking is still
struggling in the “ war of talent” , in which the fought between Islamic banking players still on
regarding good talent in the country. Support, guidance, and management commitment in this
regard is very good for the development of HR at this time and in the future. HR is not likely to
succeed without the support of all management and employees.
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
86
Target
Target, sasaran, dan proses yang akan dicapai Perseroan di bidang SDI pada tahun 2012 seca-
ra umum adalah mampu bersaing dengan bank syariah lainnya, dengan fokus pada tujuan kor-
porasi, yaitu target anggaran yang sudah dite- tapkan. SDI berperan mendukung Perseroan un-
tuk selalu siap untuk mencapai anggaran yang ditetapkan tersebut. Dukungan yang diberikan
fokus terhadap kebutuhan bisnis dan tetap memperhatikan bagian support lainnya yang ber-
dampak pada bisnis.
Target
Target, goal, and the process to be achieved by the Company in 2012 generally were have to be
able to compete with other Islamic banks, with a focus on corporate objectives,in which budget
target has been set. HR has a supports for a role in the company to always ready to achieve
the specified budget. Those Support focus on business needs and consider the other support
that impact on business.
87
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
LAPORAN REALISASI TRAINING - BANK SYARIAH BUKOPIN TAHUN 2011
Training Realization Report – Bank Syariah Bukopin 2011
Tahun Bulan No Nama
Training Tanggal
Year Month No Training
Name Date
2011 Januari
1 Training Manajemen Risiko - SMR level 2
10 - 12 Januari 2011 January
2 Workshop Internal Kontrol -Bukopin
13 - 15 Januari 2011 3
Training PDPS
22 - 25 Januari 2011 4
Workshop Operasional BSB 26 - 28 Januari 2011
Februari 5
Training Call Center 12 - 19 Februari 2011
February 6
Rakor Pimpinan Cabang BSB 23 Februari 2011
7 Seminar
FKDKP 23 - 25 Februari 2011
8 Ujian
SMR 26 Februari 2011
Maret 9
Sosialisasi Setor, Bayar transaksi Perbankan 09 Maret 2011
March 10
Seminar Kontrak Kerja PHK 24 Maret 2011
April 11
Seminar IT SOP Wakaf Uang 04 April 2011
April 12
Training SID ver 6 18 - 22 April 2011
13 Training Selling Skill Motivation
20 April 2011 14
Seminar Internasional Islamic Finance Bank Indonesia 20 - 21 April 2011
15 Training Sharing Vision - IT
19 - 20 April 2011 16
Training Operasional Pelayanan 20 - 22 April 2011
Mei 17
Training Operasional Pelayanan 10 Mei 2011
May 18
Seminar Operasional - alat pembayaran 11 - 12 Mei 2011
19 Training Operasional Pelayanan
14 Mei 2011 20
Training Operasional Pelayanan 25 - 28 Mei 2011
21 Seminar Prospek Perbankan
24 Mei 2011 22
Training BSMR level 3 20 Mei 2011
Juni 23
Training Keaslian Uang 18 Juni 2011
June 24
Training Operasional Pelayanan 11 Juni 2011
25 Training PDPS batch 2
23 - 25 Juni 2011 26
Seminar Operasional - alat pembayaran 24- 26 Juni 2011
27 Sertifikasi Manajemen Risiko level 1
25 Juni 2011 Juli
28 Seminar FGD Pasar Syariah
7 - 9 Juli 2011 July
29 Seminar IT Audit
18 Juli 2011 30
Training Delivery Channel 22 - 23 Juli 2011
Agustus 31
Training ODP IT Agustus - Sept 2011
August 32
Training SMR direksi 2 - 3 Agustus 2011
33 Training Kepribadian Komunikasi
20 Agustus 2011 September
34 Raker Direktorat Bisnis
14 - 15 September 2011 September
35 Sosialisai Penyetoran Uang
20 - 21 September 2011 36
Seminar SKN BI, Daftar Hitam 22 - 23 September 2011
37 Seminar Enterprise Data Warehouse
29-30 September 2011 Oktober
38 Training Evaluasi Layanan Kas
01 Oktober 2011 October
39 Kunjungan Kerja ke BI PERURI dan Sosialisasi Penyetoran Uang cab. Bukit Tinggi
4 - 7 Oktober 2011 40
Workshop Evaluasi Anggaran 15 - 17 Oktober 2011
41 Training Dasar-dasar Pembiayaan Syariah
17 - 25 Oktober 2011 42
Training Management Risiko level 1 untuk Komisaris BSB 20 - 22 Oktober 2011
43 Sosialisasi Penyetoran Uang cabang Samarinda
Oktober 2011 44
Training Sharing Vision - IT 26 - 29 Oktober 2011
45 Training Sistim Informasi Administrasi Pembiayaan
29 Oktober 2011 November
46 Seminar Payroll Administrasi System
09 - 10 November 2011 November
47 Training Kliring BI
11 - 13 November 2011 48
Seminar Jurus Mengatasi Hutang Bermasalah 11 November 2011
49 Certified Telent Management Professional
22 - 24 November 2011 Desember
50 Training Setor Bayar - Bank Indonesia
2 - 4 Desember 2011 December
51 Seminar Itijma Sanawi
4 - 6 Desember 2011 52
Rapat Kerja anggaran 2012 7 - 10 Desember 2011
53 Training Penyusunan Indeks MRO
22 Desember 2011 Risk Management Training – SMR Level 2
January 10th - 12th, 2011 Internal Control Workshop – Bukopin
January 13th – 15th, 2011 PDPS Training
January 22th – 25th, 2011 BSB Operational Workshop
January 26th – 28th, 2011 Call Center Training
February 12th – 19th, 2011 Coordination Meeting for BSB Branch Manager
February 23rd, 2011 FKDKP Seminar
February 23th – 25th, 2011 SMR Examination
February 26th, 2011 Socialization of deposit, pay, banking transactions
March 9th, 2011 Seminar on Employment Contracts and Layoffs
March 24th, 2011 IT and SOP of Endowment Money Seminar
April 4th, 2011 SID Ver 6 Training
April 18th – 22nd, 2011 Selling Skill Motivation Seminar
April 20th, 2011 International Islamic Finance Bank Indonesia Seminar
April 20th – 21th, 2011 Sharing Vision Training – IT
April 19th – 20th, 2011 Operational Services Training
April 20th – 22nd, 2011 Operational Services Training
May 10th, 2011 Operational Seminar – Payment Tools
May 11th – 12th, 2011 Operational Services Training
May 14th, 2011 Operational Services Training
May 25 – 28, 2011 Banking Prospect Seminar
May 24th, 2011 BSMR Level 3 Training
May 20th, 2011 Money Authenticity Training
June 18th, 2011 Operational Services Training
June 11th, 2011 PDPS Batch 2 Training
June 23th – 25th, 2011 Operational Seminar – Payment Tools
June 24th – 26th, 2011 Risk Management Certification Level 1
June 25th, 2011 FGD Syariah Market Seminar
July 7th – 9th, 2011 IT Audit Seminar
July 18th, 2011 Delivery Channel Training
July 22nd – 23th, 2011 ODP IT Training
August – September 2011 SMR for Directors Seminar
August 2nd – 3rd, 2011 Personality Communication Training
August 20th, 2011 Work Meeting Business Directorate
September 14 – 15, 2011 Socialization of Money Deposit
September 20th – 21th, 2011 SKN BI Seminar, Black List
September 22nd – 23rd, 2011 Enterprise Data Warehouse Seminar
September 29th – 30th, 2011 Cash Services Training Evaluation
October 1st, 2011 Working visit to BI and PERURI and Socialization of Money Deposit in Bukit Tinggi branch
October 4th – 7th, 2011 Budget Evaluation Workshop
October 15th – 17th, 2011 Basic Syariah Financing Training
October 17th – 25th, 2011 Risk Management Training Level 1 for BSB Commissioners
October 20th – 22nd, 2011 Money Deposit Socialization for Samarinda branch
October 2011 Sharing Vision Training - IT
October 26th – 29th, 2011 Training Payment Administration Information System
October 29th, 2011 Payroll Admionistration System Seminar
November 9th – 10th, 2011 BI Clearing Training
November 11st – 13rd, 2011 How To handle Bad Debt Seminar
November 11st, 2011 Certified Talent Management Professional
November 22nd – 24th, 2011 Pay Deposit Training – Bank Indonesia
December 2nd – 4th, 2011 Itijma Sanawi Training
December 4th – 6th, 2011 2012 Budget Work Meeting
December 7th - 10th, 2011 Indexing MRO Training
December 22nd, 2011
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
88
Cooperation.
“ IT development is always aligned with the focus of the Company which emphasizes the urgency of business development. Involvement and
cooperation with various parties that become basis of business processes carried out to support the target of increasing source of low cost and fee-based income” .
information technology
teknologi dan informasi
89
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
In
order to support the business development process, the Company set up a reliable system
IT in order to meet future business demands. This support is in line with the strategic plan of
IT information technology strategic plan or ITSP, formulated by the Company.
In 2011, IT development has aligned with the Company’s focus that was more emphasis on
the urgency of business development. In the process, the Company has worked with various
parties to support the target of increasing source of low cost funds and fee-based income.
This process different from the Direction of Company IT development in 2010 that focused
on the development of existing business before the spin-off.
Some of the IT process of cooperation undertaken during 2011 the Company were as
follows:
• Technological cooperation with some of
Muhammadiyah Charity Enterprises to hospitals and education field donations to
provide education, payroll;
• Technological cooperation with Central
Board of Muhammadiyah to support the monitoring system of assets and liabilities
Muhammadiyah Charity Enterprises steps by steps, starting from the central board, the
management area, local officials, branch managers, up to sub branch of
Muhammadiyah;
• Cooperation with PT PLN State Electricity
Company the upstream switching, the downstream switching, and the collecting
agent for the payment of PLN electricity postpaid, prepaid, or auto debit.
Cooperation with the collecting agent has also developed for the payment of
telephone mobile phone;
Dalam
rangka mendukung proses pengembangan bisnis, Perseroan menyiapkan
sistem TI yang andal agar dapat memenuhi tuntutan bisnis di masa depan. Hal itu sejalan
dengan rencana strategis TI in formation technology strategic plan
atau ITSP yang dirumuskan oleh Perseroan.
Pada 2011 pengembangan TI diselaraskan dengan fokus Perseroan yang lebih menekankan
pada urgensi pengembangan usaha. Dalam proses tersebut, Perseroan bekerja sama dengan
berbagai pihak sehingga dapat mendukung target peningkatan sumber dana murah dan fee
based income
. Hal tersebut berbeda dengan arah pengembangan TI Perseroan pada 2010
yang lebih difokuskan pada pengembangan bisnis yang sudah ada sebelum spin-off.
Beberapa proses kerja sama TI yang dilakukan Perseroan sepanjang 2011 adalah sebagai
berikut:
• Kerja sama teknologi dengan beberapa Amal
Usaha Muhammadiyah untuk bidang rumah sakit dan pendidikan sumbangan
penyelenggaraan pendidikan, payroll;
• Kerja sama teknologi dengan Pengurus
Pusat Muhammadiyah dalam mendukung sistem monitoring aset dan liabilities Amal
Usaha Muhammadiyah secara berjenjang, mulai dari tingkat pengurus pusat, pengurus
wilayah, pengurus daerah, pengurus cabang, hingga pengurus ranting Muhammadiyah;
• Kerja sama dengan PT PLN Perusahaan
Listrik Negara dalam switching hulu, switching
hilir, dan collecting agent PLN untuk pembayaran listrik postpaid, prepaid,
maupun auto debet. Kerja sama dengan collecting agent
tersebut juga dikembangkan untuk pembayaran teleponhandphone;
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
90
• Kerja sama pengembangan aplikasi wakaf
sebagai nazir dengan Badan Wakaf Indonesia;
• Kerja sama dengan Kementerian Agama
dalam pengembangan sistem pembayaran Biaya Penyelenggaraan Ibadah Haji BPIH
online secara host to host sebagai bank
penerima setoran haji; •
Menyediakan layanan cash management system
bagi beberapa rekanannasabah korporat dalam memonitor aset, liabilities,
maupun transaksi keuangan rekanan; •
Mendukung pengembangan teknologi untuk cabang Solo dan Makassar yang baru
dibuka. Terutama, untuk mendukung kerja sama antara Perseroan dengan perusahaan
multifinance
Amanah Finance di cabang Makassar;
• Kerja sama dengan PT Bank Bukopin, Tbk,
konvensional untuk penerapan delivery channel
dalam rangka menambah nasabah baru di daerah yang belum terdapat outlet
Perseroan serta memberikan layanan kepada nasabah melalui outlet PT Bank Bukopin,
Tbk.
Selain kerja sama tersebut, sepanjang 2011 Perseroan telah melakukan sejumlah inovasi
pengembangan TI. Di antaranya, penerapan ITSP dan information technology service management
ITSM dan Information Security Management System
ISMS; pengembangan aplikasi dan kerja sama bidang teknologi dengan rumah sakit
maupun perguruan tinggi; serta pengembangan aplikasi delivery channel, auto debet, sistem
informasi jaminan dan asuransi, laporan kantor pusat bank umum LKPBU, kuis online, virtual
account
, interface sistem kliring nasional SKN, real time gross settlement
RTGS, dan reporting data warehouse
.
Pada periode yang sama, Perseroan juga telah memiliki tata kelola TI dalam mendukung proses
compliance sehingga pelaporan yang disusun
telah memenuhi standar aturan perbankan syariah sesuai dengan aturan yang ditetapkan
BI. Perseroan menyadari bahwa ke depan tantangan yang dihadapi dalam bisnis perbankan
INFORMATION TECHNOLOGY Teknologi dan Informasi
• Cooperation in endowments application
development as a nazir with National Endowments Indonesia;
• Cooperation with the Ministry of Religious
Affairs in the development of online payment systems for Hajj Operation Costs
BPIH in host to host as the recipient bank for hajj deposit;
• Provide cash management system service
for some partnercorporate client to monitor asset, liabilities, or partner’s
financial transaction;
• Support technology development for Solo
and Makassar branch that recently open. Mostly to support the Company
cooperation with Amanah Finance, a multifinance company in Makassar branch;
• Work closely with conventional PT Bank
Bukopin, Tbk, to implemet delivery channel in regard to add new customer in the area
that do not have outlet in the Company and also to give services to customer through
outlet of PT Bank Bukopin, Tbk.
In addition to those cooperation, throughout 2011 the Company has conducted a number of
innovative IT development. Among other things, the application of ITSP and information
technology service management ITSM and Information Security Management System
ISMS; application development and technology cooperation with hospitals and
universities; and application development for delivery channel, auto debit, guarantees and
insurance information systems, headquarters commercial bank reports LKPBU , online
quizzes, virtual account, the national clearing system interface SKN, real time gross
settlement RTGS, and reporting data warehouse.
In the same period, the Company has also support IT governance processes to support
compliance process so the report would be prepared in accordance with the standard rules
of Islamic banking stipulated by BI. The Company realizes that in the future the
challenges for Islamic banking business will
91
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
syariah makin berat sehingga dibutuh kan dukungan teknologi perbankan syariah yang
andal dalam mendukung proses bisnis Perseroan.
Terkait dengan hal itu, pengembangan TI Perseroan pada tahun mendatang lebih diarah-
kan pada kebutuhan dan perkembangan bisnis dengan memisahkan diri secara teknologi dari
holding company
-nya, yaitu PT Bank Bukopin, Tbk. Dengan demikian, Perseroan dapat mandiri
di bidang implementasi dan inovasi TI. Untuk mencapai kemandirian TI tersebut, ada
target yang akan diwujudkan Perseroan pada periode ke depan, yakni pembangunan switching
system yang merupakan salah satu bagian
penting dalam tahap awal pengembangan TI Perseroan untuk masa mendatang. Sejalan
dengan itu, sesuai dengan harapan regulator perbankan di negeri ini, pada 2013 Perseroan
diharapkan dapat memiliki card management sendiri dan tidak lagi bergantung pada PT Bank
Bukopin, Tbk. increase heavily, in that case it will needed
support from reliable technology for Islamic banking in supporting business processes of the
Company.
Associated with it, IT development of the Company in the coming year is more focused on
the needs and business development separate themselves technologicaly from its holding
company, namely PT Bank Bukopin, Tbk. Thus, the Company could be independent in
implementation and IT innovation.
To achieve IT independence, there were targets that the Company has to be realized in the next
period, the construction of a switching system which has become one important part in the
early stages of the Company s IT development in the future. Related to that, in accordance with
the expectations of the country’s banking regulator, in 2013, the Company is expected to
have the card management itself and not be dependent on PT Bank Bukopin, Tbk.
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
92
Sebagai bentuk upaya pengembangan TI ke depan, inilah sejumlah kerja sama dan inovasi
yang akan dilakukan Perseroan:
• Membuka kantor cabang, kantor cabang
pembantu capem, maupun kantor kas outlet sebanyak mungkin, baik secara
mandiri maupun melalui kerja sama delivery channel
dengan PT Bank Bukopin, Tbk; •
Mempererat kerjasama dengan organisasi Islam yaitu Muhammadiyah, terutama terkait
dengan teknologi, yakni berupa pengembangan aplikasi pembayaran
sumbangan pembinaan pendidikan SPP, cash management
, rumah sakit, liquidity management
, dan aplikasi lainnya; •
Melakukan pengadaan switching e-channel dan biller secara mandiri;
As an IT development efforts in the future, here are some collaboration and innovation that the
Company will do:
• Open branch office, sub-branch office and
also cash office outlet as many as possible, independently or through delivery
channel cooperation with PT Bank Bukopin, Tbk;
• Strengthen the collaboration with Islamic
organization Muhammadiyah, specially related to technology, namely application
development of payment for education development and contributioneducation
tuition fee SPP, cash management, hospital, liquidity management, and other
application;
• Procurement for switching e-channel and
biller independently;
INFORMATION TECHNOLOGY Teknologi dan Informasi
93
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
• Implement the application of consumptive
finance channeling scheme by join collaboration with various multifinance
company;
• Implement the scoring PRPI application;
• Develop self assessment market risk
operations MRO; •
Develop loan origination system; •
Develop liquidity management application that can be used by partnership company;
• Develop giro matic application that can be
used by partnership company. •
Mengimplementasikan aplikasi pembiayaan konsumtif pola channeling melalui kerja sama
dengan berbagai perusahaan multifinance;
• Mengimplementasikan aplikasi scoring PRPI;
• Mengembangkan self assessment market risk
operations MRO; •
Mengembangkan loan origination system; •
Mengembangkan aplikasi liquidity management
yang dapat dimanfaatkan perusahaan rekanan;
• Mengembangkan aplikasi giro matic yang
dapat dimanfaatkan oleh perusahaan rekanan.
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
94
divisions supporting
dukungan divisi
A p r e s i a s i .
” Kerja keras, kreativitas, inovasi, dan koordinasi
antardivisi dan antarunit mendukung peningkatan
kinerja Perseroan hingga mendapatkan apresiasi
positif dari pihak-pihak yang berkompeten di industri
perbankan syariah” .
Appreciation.
“ Hard work, creativity, innovation, and coordination inter-divisional and
inter-units, support the improvement of the performance of the Company to gain a positive
appreciation of the competent parties in the Islamic banking industry” .
95
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Pelayanan
merupakan salah satu elemen penting untuk meningkatkan daya saing
Perseroan dalam industri perbankan syariah nasional. Sepanjang 2011, Perseroan telah
melakukan pengembang an sarana, prasarana, dan program kerja pela yanan secara menyeluruh
dalam rangka menjaga sekaligus meningkatkan
loyalitas nasabah terhadap Perseroan. Beberapa upaya yang dilakukan Perseroan di
bidang pelayanan sepanjang 2011, antara lain meningkatkan kualitas layanan. Di antaranya,
dengan menyederhanakan dan mempercepat proses layanan, monitoring atas pelaksanaan
standar layanan yang ada, mendorong campaign pelayanan agar menjadi budaya kerja dan
diimplementasikan dalam aktivitas sehari-hari, serta menyusun panduan layanan front office
dan buku saku produk Perseroan.
Kerja keras, kreativitas, inovasi, dan koordinasi divisi layanan dengan divisi maupun unit lain,
baik langsung maupun tidak langsung, mendu- kung peningkatan kinerja Perseroan dan menda-
pat apresiasi dari pihak di luar Perseroan. Di antaranya, dengan terpilihnya Perseroan sebagai
peraih penghar gaan Indonesia Service To Care Award 2011, The Best Banking Service
Excellent Of The Year
dalam Asean Bisnis Award 2011, The Most Favourite Service Quality
Product For Shariah Banking dalam Property
Banks Award 2011, serta beberapa penghargaan di beberapa kategori dalam The
8
th
Islamic Finance Award Nite 2011 berdasarkan hasil penilaian Karim Business
Consulting. Pencapaian dan peningkatan layanan yang
dilakukan Perseroan sepanjang 2011 cukup signifikan dibandingkan dengan tahun-tahun
sebelumnya. Beberapa pencapaian penting di bidang layanan pada 2011 sebagai berikut:
Services
among other are the most important element to enhance the
competitiveness of the Company in the nationwide Islamic banking industry.
Throughout 2011, the Company has made the development in overall of facilities,
infrastructure, services and work program in order to maintain while improving customer
loyalty towards the Company.
Several efforts were made throughout the service area of the Company in 2011, including
improve service quality. Among other things, by simplified and speed up the process of
services, monitoring the implementation of the existing service standards, service campaign to
encourage a culture of work and implemented in daily activities, as well as draw up the
guidelines for front office services and The Company s Manual Book Product.
Hard work, creativity, innovation, and coordination services division with other
divisions and units, either directly or indirectly, to support improved performance of the
Company and received appreciation from parties outside the Company. Among other
things, with the election of the Company as Indonesia’s award-winning Service To Care
Award 2011, The Best Banking Service Excellent Of The Year in Asean Business Award
2011, The Most Favourite Service Quality Products For Sharia Banking in Property
Banks Award 2011, as well as several awards in several categories in the 8th Islamic Finance
award Nite 2011 is based on the results of Karim Business Consulting.
Achievement and improvement of the Company services undertaken during 2011 is quite
significant compared to previous years. Some important achievements in the field of service in
2011 as follows:
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
96
• Membuat buku “ Standar Layanan Front
Office” dan buku “ Buku Saku Produk Perseroan” ;
• Membangun quiz online yang disebut
Customer Service Quiz CSQ sebagai aplikasi penguat pengetahuan produk dan
informasi bagi front office;
• Bersama divisi dan unit kerja lain membuat
Service Level Agreement SLA agar proses
layanan menjadi lebih sederhana, cepat, dan terukur.
Apresiasi yang telah diberikan oleh pihak luar menjadi faktor penting bagi Perseroan ke depan
untuk terus meningkatkan dan memberikan pelayanan terbaik kepada nasabah. Oleh karena
itu, kerja sama antar-unit di dalam Perseroan untuk memberikan layanan yang terbaik bagi
nasabah juga terus diupayakan.
Untuk mencapai komitmen tersebut, Perseroan pun terus berupaya meningkatkan kualitas dan
profesionalitas sumber daya insani SDI serta menyediakan sistem informasi dan sarana
pendukung kerja yang memadai, termasuk menetapkan kebijakan dan prosedur kerja serta
organisasi yang kondusif dalam rangka meningkatkan pelayanan kepada nasabah.
Restrukturisasi Penyelesaian Pembiayaan
Sepanjang 2011, Perseroan telah melakukan sejumlah peran penting di bidang restrukturisasi
penyelesaian pembiayaan. Tujuan utama dalam restrukturisasi penyelesaian pembiayaan adalah
melakukan penyelamatan danatau penyelesaian terhadap pembiayaan bermasalah ataupun pem-
bia yaan yang macet dengan mengedepan kan solusi yang dapat diterima oleh semua pihak.
Bagi debitur yang masih memiliki sumber pembayaran dan debitur kooperatif
, diupayakan
untuk direstrukturisasi. Namun, untuk debitur yang sudah tidak memiliki sumber pembayaran,
penyelesaiannya adalah dengan menyerahkan jaminan secara sukarela atau menjual jaminan
• Create the book of “ Standard Service Front
Office” and the book of “ The Company s Manual Book Product” ;
• Establish an online quiz called the
Customer Service Quiz CSQ as a booster application of knowledge and information
products for the front office;
• Together with other divisions and work units
to make Service Level Agreement SLA to allow the service to be more simple, fast,
and scalable.
Appreciation that has been provided by outside parties is an important factor for the Company
in the future to continue to improve and provide the best service to customers. Therefore, inter-
unit cooperation within the Company to provide the best service for customers also continue to
attempted.
To achieve this commitment, the Company continues to improve the quality and
professionalism of human resources HR as well as providing information systems and
adequate backup facilities work, including setting policies and procedures as well as
conducive organization in order to improve service to customers.
Financing Restructuring Settlement
Throughout 2011, the Company has conducted a number of important roles in restructuring
financing completion. The main purpose of restructuring financing completion is to rescue
and or completion of financing problems a bogged down by putting forward an acceptable
solution to all parties.
For debtors who still have a source of payment and they show cooperative attitude, will
attempted to be restructured. However, for debtors who have no source of payment, the
solution is to submit a voluntary collateral or sell their guarantee without causing new
97
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
dengan tanpa menimbulkan permasalahan baru serta sedapat mungkin tidak menimbulkan
biaya-biaya dalam upaya penyelesaian pembia- yaan dimaksud. Tujuan akhir penyelesaian
pembiayaan bermasalah adalah memperoleh seluruh piutang atau memperkecil risiko kerugian
bagi bank.
Support Pembiayaan
Kecepatan dan keakuratan menjadi fokus utama Perseroan di bidang dukungan pembiayaan atau
support pembiayaan. Kedua hal tersebut menjadi
penting guna mendukung proses bisnis dan dengan demikian, proses bisnis yang ditargetkan
bisa berjalan dengan tepat dan optimal.
Dalam rangka mengakselerasi proses bisnis, khususnya di bidang pembiayaan, Perseroan
telah melakukan sejumlah langkah-langkah yang menjadi fokus usaha dalam bidang kerja
pembiayaan, di antaranya:
• Membuat Pedoman Kegiatan Operasi Investi-
gasi Pembiayaan IP yang disesuaikan de ngan ketentuan Standar Penilai Indonesia SPI;
• Membangun Aplikasi Sistem Informasi Admi-
nistrasi Pembiayaan SIAP. Penetapan ketentuan Pedoman Kegiatan Opera-
si Investigasi Pembiayaan IP, dapat menyera- gamkan pandangan dan tindakan dalam pelak-
sanaan tugas dan fungsi Investigator Pembiaya- an serta terpenuhinya kewajiban ke Bank Indo-
nesia BI untuk penerbitan dan penyediaan suatu sistim dan prosedur yang secara khusus
mengatur kegiatan operasi IP.
Aplikasi SIAP dibangun untuk menyeragamkan dan memudahkan proses administrasi data
jaminan debitur antarcabang Perseroan. Dengan implementasi SIAP kesulitan untuk mendapatkan
informasi data jaminan dapat teratasi dan keamanan data jaminan dari ancaman virus atau
kerusakan komputer kerja dapat terjaga. problems as well as cause the new costs
regarding the completion of this financial settlement.The final goal for this financial
completion problems is to get all accounts receivable or minimize the risk of losses for
banks.
Financing Support
Speed and accuracy is the main focus of the Company in the field of financing support.
These two things are important to support the business process can be to run properly and
optimally.
In order to accelerate business process, especially in the field of financing, the Company
has done several steps that became the focus of efforts in the financing work field, including:
• Create Guidelines for Funding Operations
Investigation that are adapted with Indonesia’s Appraisal Standard;
• Build Financing Administration Information
System application. The establishment of Guidelines for Operations
Activities of Financing Investigation can homogenizes outlook and action in fulfilling
Financing Investigator job and function, and to meet an obligation to Central Bank of Indonesia
BI in publishing a system and procedure that specifically regulate Financing Investigation’s
operational.
The Financing Administration Information System application is established to
homogenizes and facilitate debtor’s warranty data administration process between the
Company’s branches. With the implementation of Financing Administration Information System
application, the complication of getting warranty data information can be solved and
the security of warranty data from the threats of virus or the breakdown of work computer can
be maintained.
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
98
Berkat dukungan penuh dari manajemen dan kerja sama yang baik antar-divisi, peningkatan
tata kelola administrasi di bidang pembiayaan pada 2011 dapat berjalan dengan baik. Dengan
dukungan tersebut, implementasi pedoman kegiatan operasi IP dan implementasi aplikasi
SIAP dapat terlaksana sesuai waktu dan target yang ditetapkan.
Treasury
Untuk memenuhi kebutuhan likuiditas dan ekses dana, baik secara kuantitas maupun kualitas,
Perseroan melakukan langkah-langkah sebagai berikut:
• Menjaga batas atau limit internal giro wajib
minimum GWM rupiah di atas ambang batas yang ditetapkan oleh Bank Indonesia
BI.
• Memperluas hubungan dan jaringan kerja
sama dengan sebagian besar bank umum syariah BUS dan unit usaha syariah UUS,
khususnya kerja sama di bidang pasar uang antarbank PUAB yang menggunakan
sertifikat investasi mudharabah antarbank Thanks to full support from the management and
good cooperation across divisions, governance administration improvement in the field of
financing ran greatly in 2011. With that support, the implementation of Guidelines for Financing
Investigation Operational and Financing Administration Information System application
can be accomplished on time and on determined target.
Treasury
To meet liquidity needs and the excess funds, both in quantity and quality, the Company made
the following steps:
• Keep internal limit or statutory reserve GWM
of rupiah above the threshold set by Central Bank of Indonesia BI.
• Expanding relations and network of
cooperation with the majority of Sharia Commercial Bank BUS and Sharia Business
Unit, especially cooperation in the interbank money market which use the interbank
mudharabah investment certificates SIMA.
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BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
This join cooperation is in line with the direction and policies of the Board of
Directors of the Company to invigorate sharia Interbank Money Market.
• Doing the funds placement in BI financial
instruments and other short-term financial instrument as a liquidity reserve.
• Maximize the utilization of excess surplus
funds to do placement of daily or long-term nature, such as the purchase of sharia
securities instruments, or sukuk.
• Take measurements of the adequacy of
liquidity through the preparation of projected cash flow and liquidity gap on a
regular basis so the Company can utilize liquidity appropriately and efficiently in
accordance with the requirements.
• Monitoring the liquidity ratio, among others,
by monitoring the ratio of financing of DPK, the ratio of interbank liabilities, and cash to
deposits ratio. SIMA. Kerja sama tersebut sejalan dengan
arah dan kebijakan Dewan Direksi Persero- an untuk menggiatkan PUAB syariah.
• Melakukan penempatan dana pada
instrumen keuangan BI dan instrumen keuangan jangka pendek yang lain sebagai
cadangan likuiditas.
• Memaksimalkan pemanfaatan ekses
kelebihan dana pada penempatan yang bersifat harian ataupun jangka panjang,
seperti pembelian instrumen surat berharga syariah atau sukuk.
• Melakukan pengukuran terhadap kecukupan
likuiditas melalui penyusunan proyeksi cashflow
dan liquidity gap secara rutin sehingga Perseroan dapat memanfaatkan
likuiditas secara tepat dan efisien sesuai dengan kebutuhan.
• Melakukan pemantauan rasio likuiditas,
antara lain dengan cara monitoring rasio pembiayaan terhadap DPK, rasio kewajiban
antarbank, dan rasio kas terhadap DPK.
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
100
B e r n i l a i L e b i h .
“ Tidak hanya meningkatkan kinerja secara ekonomi, Perseroan juga selalu berupaya menciptakan nilai lebih
melalui kegiatan sosial dan kemanusiaan yang dibingkai dalam aktivitas tanggung jawab sosial perusahaan” .
More Valuable.
“ Not only improve economic performance, the Company also always try to create more value through social and humanitarian activities, framed in corporate social responsibility activities” .
corporate social responsibility
tanggung jawab sosial perusahaan
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BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Kepedulian
dan keterlibatan perusahaan secara intensif dan berkesinambungan dalam
dinamika dan kegiatan sosial masyarakat pada titik tertentu akan memberikan nilai lebih dan
impact bagi perusahaan dalam jangka panjang.
Karena itu, Perseroan menganggap penting tanggung jawab sosial perusahaan. Perseroan
pun meyakini kegiatan tanggung jawab sosial perusahaan akan memberikan pencitraan yang
baik bagi perusahaan.
Kegiatan tanggung jawab sosial perusahaan merupakan upaya Perseroan untuk mencapai
bisnis yang keberlanjutan dalam jangka panjang. Arti dari bisnis yang berkelanjutan
adalah Perseroan tidak hanya berupaya memaksimalkan kinerja ekonomi untuk para
pemegang saham, tapi juga secara menyeluruh berusaha memberikan kontribusi yang maksimal
dalam aspek sosial dan lingkungan.
Dengan pendekatan itu, yang berupa kinerja ekonomi, sosial, dan lingkungan, diharapkan
keberadaan Perseroan tidak hanya bermanfaat bagi para pemegang saham, tapi juga untuk
segenap stakeholder yang lebih luas lagi, yakni masyarakat sekitar. Perseroan meyakini, pende-
katan menyeluruh seperti ini akan mendukung tercapainya tujuan pembangunan yang
berkelanjutan.
The
Company concern and involvement in the intensive and continuous and also in the
dynamics of social and community activities, at some point will provide more value and impact
for the Company in the long run. Therefore, the Company considers that corporate social
responsibility is important. The Company also believes corporate social responsibility activities
will provide good image for the Company.
Corporate social responsibility is the Company’s efforts to achieve sustainability in the long run.
The meaning of sustainable business is not only seeking to maximize the Company’s economic
performance for shareholders, but also throughly to contribute the maximum in the
social and environmental aspects.
With this approach in a form of economic, social and environmental performance, where the
Company is expected to benefit not only to shareholders, but also for all stakeholders, more
broadly, the surrounding community. The Company believes this holistic approach will
support the achievement of sustainable development.
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
102
Berikut ini kegiatan tanggung jawab sosial perusahaan yang dilakukan
sepanjang 2011.
Heres corporate social responsibility activities that has been held
throughout 2011.
25 Januari 2011
Perseroan memberikan bantuan untuk Masjid An-Ni’mah, Cibubur.
January 25, 2011
The Company providing condolences fund to Masjid An-Ni’mah, Cibubur.
25 Februari 2011
Perseroan memberikan dana bantuan untuk remaja Islam Ar-Ridho di Paseban, Jakarta
Pusat.
February 25, 2011
The Company provides financial assistance to Ar-Ridho Muslim Youth in Paseban, Central
Jakarta.
20 April 2011
Perseroan memberikan dana bantuan zakat, infak, dan sedekah ZIS untuk Kelurahan
Paseban, Jakarta Pusat.
20 April 2011
The Company gives zakat funds, infak, and alms ZIS for Paseban Village, Central Jakarta.
10 Mei 2011
Perseroan memberikan dana bantuan untuk pembangunan masjid di Cengkareng, Jakarta
Barat.
May 10, 2011
The Company gives grants for the construction of mosques in Cengkareng, West Jakarta.
25 Mei 2011
Perseroan memberikan dana bantuan bagi program edukasi syariah di Solo, Jawa Tengah,
dan memberikan dana bantuan untuk Masjid Darun Ni’mah di Lebak Bulus, Jakarta Selatan.
May 25, 2011
The Company provides financial assistance to Islamic educational program in Solo, Central
Java, and provide funds for the mosque Darun Ni’mah in Lebak Bulus, South Jakarta.
21 Juni 2011
Perseroan memberikan dana bantuan infak- sedekah untuk musholla di Bogor, Jawa Barat.
June 21, 2011
The Company provides financial assistance to musholla infak-alms in Bogor, West Java.
27 Juli 2011
Kantor Cabang Solo dan Makassar memberikan santunan terhadap yatim piatu. Pada tanggal
yang sama, Perseroan memberikan bantuan dana sarana penunjang mushola.
July 27, 2011
Solo and Makassar Branch Offices provide financial assistance to the orphans. On the
same date, the Company also providing financial assistance to support the mosque.
Tgl 1 - 26 Agustus 2011
Perseroan memberikan takjil gratis kepada pengguna jalan di area Kantor Pusat Perseroan
dalam rangka Ramadhan 1432H.
August, 1 - 26, 2011
The Company gives free takjil to road user at the Company s Head Office area within the
framework or Ramadhan 1432H.
10 Agustus 2011
Perseroan memberikan dana bantuan zakat, infak, dan sedekah ZIS dalam acara GOZIS.
August 10, 2011
The Company gives zakat funds, infak, and alms ZIS in the event GOZIS.
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BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
13 Agustus 2011
Perseroan mengadakan Sahur On The Road bulan Ramadhan 1432 H dengan rute Matraman
sampai Senen, Jakarta Pusat.
August 13, 2011
The Company entered into Sahur On The Road to Ramadhan 1432 H with the dawn Matraman
route until Senen, Central Jakarta.
18 Agustus 2011
Perseroan memberikan dana santuan kepada 2 dua yayasan yatim piatu.
August 18, 2011
The Company provides funding for 2 two orphanages.
24 Agustus 2011
Perseroan memberikan bantuan berupa sembilan bahan pokok sembako kepada masjid-masjid di
sekitar Kantor Pusat Perseroan.
August 24, 2011
The Company donated nine basic staple food to mosques around the Company s Head Office.
2 November 2011
Perseroan mengadakan kegiatan donor darah dalam rangka Milad Perseroan ke-3.
2 November 2011
The Company held blood donation in conjunction of 3
rd
Anniversary of the Company.
19 November 2011
Perseroan mengadakan kegiatan sunatan masal dalam rangka Milad Perseroan ke-3.
19 November 2011
The Company held a mass circumcision activities in conjunction of 3
rd
Anniversary of the Company.
9 Desember 2011
Perseroan memberikan santunan yatim piatu dan sumbangan masjid.
December 9, 2011
The Company provides donation for orphans and mosque.
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
104
executive functionary
pejabat eksekutif
Evi Yulia Kurniawati
Menjabat sebagai Kepala Sekretaris Perusahaan PT Bank
Syariah Bukopin sejak 2009. Served as Head of Corporate
Secretary of PT Bank Syariah Bukopin since 2009.
Rismarini
Menjabat sebagai Kepala Divisi Sumber Daya Insani PT Bank
Syariah Bukopin sejak 2008. Served as Head of Human
Resource Development of PT Bank Syariah Bukopin since 2008.
Heru Haryanto
Menjabat sebagai Kepala Divisi Restrukturisasi dan Penyelesaian
Pembiayaan PT Bank Syariah Bukopin sejak 2008.
Served as Head of Restructure and Financing Settlement Division
of PT Bank Syariah Bukopin since 2008.
Raymound Syahril
Menjabat sebagai Kepala Divisi Support Pembiayaan
PT Bank Syariah Bukopin sejak 2008.
Served as Head of Financing Support Division PT Bank Syariah
Bukopin since 2008.
Elmar Maroza
Menjabat sebagai Kepala SKAI PT Bank Syariah Bukopin sejak
2010. Served as Head of SKAI of PT
Bank Syariah Bukopin since 2010.
Mirza W. Hasan
Menjabat sebagai Kepala Divisi Teknologi Informasi PT Bank
Syariah Bukopin sejak 2006. Served as Head of Information
Technology Division of PT Bank Syariah Bukopin since 2006.
Noor Cholis
Menjabat sebagai Kepala Divisi Pengembangan Produk PT Bank
Syariah Bukopin sejak 2009. Served as Head of Product
Development Division of PT Bank Syariah Bukopin since 2009.
Ade Chandra
Menjabat sebagai Kepala Divisi Pelayanan PT Bank Syariah
Bukopin sejak 2009. Served as Head of Service
Division of PT Bank Syariah Bukopin since 2009.
Donny Suwardono
Menjabat sebagai Kepala Divisi Operasi PT Bank Syariah Bukopin
sejak 2011. Served as Head of Operational
Division of PT Bank Syariah Bukopin since 2011.
Henky Hanggana Sukardi
Menjabat sebagai Kepala Divisi Bisnis Area IIIKelapa Gading PT
Bank Syariah Bukopin sejak 2011. Head of Business of Area III
Kelapa Gading of PT Bank Syariah Bukopin since 2011.
Achmad Baradjak
Menjabat sebagai Kepala Divisi Bisnis Area IVBekasi PT Bank
Syariah Bukopin sejak 2011. Head of Business of Area IV
Bekasi of PT Bank Syariah Bukopin since 2011.
Farhan Kamil
Menjabat sebagai Kepala Divisi Bisnis Area V PT Bank Syariah
Bukopin sejak 2011. Head of Business of Area V of PT
Bank Syariah Bukopin since 2011.
Amir Salahudin
Menjabat sebagai Kepala Divisi Supervisi Bisnis dan Fee Based
PT Bank Syariah Bukopin sejak 2011.
Served as Head of Branch Business Supervision and Fee
Based of PT Bank Syariah Bukopin since 2011.
Ersyam Fansuri
Menjabat sebagai Pemimpin Cabang Surabaya sejak 2004.
Served as leader of Surabaya Branch since 2004.
Trisna Surjatri
Menjabat sebagai Pemimpin Cabang Sidoarjo sejak 2009.
Served as leader of Sidoarjo Branch since 2009.
Puji Lestari
Menjabat sebagai Pemimpin Cabang Samarinda sejak 2009.
Served as leader of Samarinda Branch since 2009.
Hendriawan
Menjabat sebagai Pemimpin cabang Melawai sejak 2011.
Served as leader of Melawai Branch since 2011.
Suherli
Menjabat sebagai Pemimpin Cabang Bandung sejak 2011.
Served as leader of Bandung Branch since 2011.
M. Ali Fauzi
Menjabat sebagai Pemimpin Cabang Medan sejak 2011.
Served as leader of Medan Branch since 2011.
Dede Furkon
Menjabat sebagai Pemimpin Cabang Solo sejak 2011.
Served as leader of Solo Branch since 2011.
Imdibkri.
Menjabat sebagai Pemimpin Cabang Bukittinggi sejak 2011.
Served as leader of Bukittinggi Branch since 2011.
Jufri H. Ahmad.
Menjabat sebagai Pemimpin Cabang Makassar sejak 2011
Served as leader of Makassar Branch since 2011
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BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Dari
waktu ke waktu, Perseroan terus melakukan pengembangan di berbagai aspek
termasuk di dalamnya adalah pengembangan jaringan kantor sebagai salah satu langkah
penting untuk meningkatkan usaha. Selain untuk mengembangkan potensi pasar dan
bisnis, pembukaan jaringan baru dimaksudkan untuk membantu memudahkan nasabah
menggunakan jasa dan produk perbankan yang diberikan Perseroan. Dalam konteks
pengembangan jaringan kantor, ada satu hal yang menjadi concern Perseroan, yakni sedapat
mungkin memberikan pengalaman yang lebih kepada setiap nasabah maupun calon nasabah
yang datang ke jaringan kantor Perseroan.
Pada 2011, Perseroan membuka 2 dua Kantor Cabang baru, yakni Kantor Cabang Makassar
yang diresmikan pada 9 Agustus 2011 dan Kantor Cabang Solo yang diresmikan pada 11
Agustus 2011. Selain itu, Perseroan juga membuka Kantor Cabang Pembantu baru di
Surabaya serta membuka Kantor Kas di Medan dan Bandung. Dengan penambahan jaringan
kantor tersebut, secara keseluruhan jaringan kantor Perseroan terdiri dari 1 satu Kantor
Pusat, 9 sembilan Kantor Cabang, 5 lima Kantor Cabang Pembantu, dan 2 dua Kantor
Kas, serta 29 dua puluh sembilan Kantor Layanan SyariahDelivery Channel.
From
time to time, the Company keeps doing development in various aspects, including
the development of office network as one of crucial step to improve business. Besides for
expanding market and business potential, establishing new network is intended to help
make it easy for consumers to use the Company banking services and products. In the context of
expanding the office network, there is one thing that became the company’s major concern, that
is to give a better experience to every consumer or potential consumer that came to the network
office of the Company as much as possible.
In 2011, the Company establish 2 two new Branch Offices, that is Makassar Branch Office
that is inaugurated in the August 9, 2011, and Solo Branch Office that is inaugurated in August
11, 2011. In addition, the Company also establishes new Sub-Branch Office in Surabaya
and establishes Cash Offices in Medan and Bandung. With the addition of those office
network, the Company’s office network in over all consists of 1 one Head Office, 9 nine
Branch Offices, 5 five Sub-Branch Offices, 2 two Cash Offices, 29 twenty nine Delivery
Channel.
delivery channel oi ce
kantor delivery channel
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
106
DAFTAR KANTOR CABANG
Register Office
No. Kantor Office
Alamat Address
Telp Telp
Fax Fax
Kantor Pusat Head Office
Jakarta - Salemba Jl. Salemba Raya No.55 Jakarta Pusat 10440
021 2300912 021 3148401
Kantor Cabang Branch Office
1 Melawai
Jl. Melawai Raya No.5 Jakarta Selatan 12160 021 2700072
021 2702292 2
Bandung Jl. RE Martadinata No.142 Bandung Jawa Barat 40113
022 7213373 022 7213380
3 Surabaya
Jl. Raya Darmo No.136 Surabaya jawa Timur 60241 031 5636485
031 5681274 4
Medan Jl. S. Parman No.77 Medan
061 4523577 061 4523677
5 Samarinda
Jl. Diponegoro No.40 Samarinda 0541 732320
0541 732731 6
Bukittinggi Jl. Perintis Kemerdekaan No.16 Bukittinggi Sumatera Barat 26111
0752 627420 0752 627421
7 Sidoarjo
Ruko Gateway A5-6 Jl. Raya Waru Sidoarjo Jawa Timur 031 8537676
031 8537677 8
Solo Jl. Brigjen Slamet Riyadi No. 271 Surakarta
0271 729 633 0271 720301
9 Makassar
Jl. Sam Ratulangi No. 98AB Makassar 90133 0411 877 289
0411 874809
Kantor Cabang Pembantu
Sub-Branch Office
1 Kramat Jati
Kokan Anggatra PP-6-A1 Jl. Raya Bogor Kramat Jati Jakarta Timur 021 80877075 021 8093224
2 Payakumbuh
Jl. Soekarno Hatta No.136 Payakumbuh 0752 90844
0752 90847 3
UPI YPTK Jl. Raya Lubuk Begalung Padang
0751 777610 0751 777610
4 Tenggarong
Jl. Maduningrat, Kampung Melayu Tenggarong Kalimantan Timur 0541 662116
0541 662116 5
HR Muhammad Jl. HR Muhammad No. 179 Komplek Surya Inti Permata II C-8
031 732 3545 031 732 3545
Kali Kendal, Dukuh Pakis Surabaya 60226
Kantor Kas Cash Office
1 Yayasan Panca Budi
Jl. Gatot Subroto KM 4,5 Sei Sikambing Medan 061 8456743
061 845 6743 2
Rumah Sakit Jl. Banteng No. 53 Bandung 40264
022 732 3307 022 732 3307
Muhammadiyah Bandung
107
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
DAFTAR DELIVERY CHANNEL
Register Delivery Channel
No. Bukopin Alamat Kantor Layanan Syariah
Telp Fax
Bukopin Jakarta
1 Kantor Pusat MT. Haryono
Jl. MT. Haryono Kav. 50-51 Jakarta Selatan 021 7988266
021 7980625 2
Capem Depkop Gd. Dep. Koperasi UKM Lt. 1
021 5257903 021 5221579
Jl. HR. Rasuna Said Kav. 3-5, Jakarta Selatan 3
Capem Oil Centre Thamrin Gedung Oil Center Lt. Dasar
021 31900612 021 31902356
Jl. M.H. Thamrin Kav. 55, Jakarta Pusat 4
Capem PTC Pulogadung Gedung PTC Ruko Blok A1 No. 10
021 46800017 021 46800201
Jl. Raya Bekasi Kawasan Industri Pulo Gadung - Jakarta Timur
5 Capem Bulog II
Gedung Diklat Bulog II 021 520 4262,
021 5204265 Jl. Kuningan Timur Blok M II No. 5, Jakarta Selatan
520 4266, 5204285 6
Capem Tanjung Priok Jl. Enggano No. 28 , Tanjung Priok - Jakarta Utara
021 4301915 021 4301917
7 Capem S. Parman
Jl. S. Parman Kav. 80, Slipi - Jakarta Barat 021 5604307
021 56957735 8
Capem Gunung Sahari Jl. Gunung Sahari Raya No. 86C, Jakarta Pusat
021 4214755 021 4257791
9 Capem Pondok Gede
Plaza Pondok Gede Ruko Blok H No.8 021 84990257
021 84995890 Jl. Raya Pondok Gede, Jatiwaringin - Bekasi
10 Capem Bintaro Komp. Rukan Bintaro Sektor 3 A - No.17
021 7375174, 021 7375587
Jl. Bintaro Utama III A, Pondok Aren - Tangerang 7375176, 7375179
11 Capem Pondok Indah Plaza V Pondok Indah Kav. A11
021 7396863 021 7396882
Jl. Marga Guna Raya, Pondok Indah - Jakarta Selatan 12 Capem Depok
Jl. Margonda Raya No.224C 021 7761145
021 7760809 Kel. Kemiri Muka Kec.Beji Depok 16431
13 Capem Kebayoran Baru Jl. RS. Fatmawati No.7 Blok A
021 7245577 021 7398600
Kebayoran Baru - Jakarta Selatan 12140 14 Capem ABDA
Gedung Plaza ABDA Lt. GF No. 77 GF-D No. 20 021 51401082
021 51401083 Jl. Jend. Sudirman Kav. 59, Jakarta selatan
15 Capem Kebayoran Lama Jl. Raya Kebayoran Lama No. 10, Jakarta Selatan
021 7393737 021 2700578
Bukopin Padang
16 Cabang Padang Jl. Jend. Sudirman No. 4 Padang - 25113
0751 31821, 31825, 31826 0751 32073
17 Cabang M. Yamin Jl. Prof. M. Yamin No. 129, Padang
0751 39695, 38382 031 22544
Bukopin Bandung
18 Cabang Utama Bandung Jl. Asia Afrika No. 121 Bandung
022 4234569 022 4235081
19 Capem Buah Batu Jl. Buah Batu No. 231-A, Bandung 40264
022 7317421, 7323190 022 7309440
20 Capem Caringin Pasar Induk Caringin Kav. A 1, 3-4
022 5413600 022 5413800
Jl. Soekarno-Hatta No. 234, Bandung 40286 21 Capem Setia Budi
Jl. Setia Budi No. 170 B1, Bandung 022 2034777
022 2033966 22 Capem Antapani
Jl. Terusan Jakarta No. 53P, Blok Q Borma - Bandung 022 7209006, 7206769
022 7205943
Bukopin Surabaya
23 Cabang Surabaya Gubeng Jl. Raya gubeng 11 Surabaya 60281
031 5013270 031 5013269
24 Capem Gresik Kompleks Pertokoan Multi Sarana Plaza
031 3985571 031 3981562
Jl. Gubernur Suryo Blok A No. 4, Gresik 61118 329332
Bukopin Sidoarjo
25 Capem Sidoarjo Jl. A. Yani No. 27 Sidoarjo - 61212
031 8921091, 8921082 031 8921092
26 Capem Mojokerto Jl. Jaya Negara No. 17 Mojokerto 61321
0321 329331, 0321 329330
Bukopin Medan
27 Capem Medan JL. Gajah Mada No. 23 B, Medan 20153
061 4152445, 4529266 061 4529228
28 Capem AR. Hakim Jl. Arif Rahman Hakim No. 92B, Medan
061 7356447 061 7356463
29 Capem Golden Komplek Golden Trade Center
061 4530412, 4524777 061 4530352
Jl. Gatot Subroto No. 17-18 Medan
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
108
product services
produk dan layanan
Produk Pendanaan
•
Tabungan iB SiAga
•
TabunganKu iB
•
Tabungan iB Rencana
•
Tabungan iB SiAga Bisnis
•
Tabungan iB Haji
•
Deposito iB
•
Giro iB
Produk Jasa
•
Cash Management
•
Payment Point
•
Payroll
•
RTGS
•
SKN Transfer
•
Kliring
•
SKBDN L C Lokal
•
Bank Garansi iB
•
Safe Deposit Box
•
SMS Banking
•
Internet Banking
•
Wakaf Uang
Produk Pembiayaan
•
Pembiayaan iB Jual-beli Murabahah
•
Pembiayaan iB Kepemilikan Rumah
•
Pembiayaan iB Kepemilikan Mobil
•
Pembiayaan iB Jual-beli Istishna’
•
Pembiayaan iB Bagi-hasil Mudharabah
•
Pembiayaan iB Bagi-hasil Musyarakah
•
Pembiayaan iB K3A
Tanggung Jawab Atas Pelaporan Tahunan PT Bank Syariah Bukopin 2011
Responsibility Towards PT Bank Syariah Bukopin’s 2011 Annual Report
Laporan Tahunan PT Bank Syariah Bukopin 2011 ini serta Laporan Keuangan Audit dari Kantor Akuntan Publik dan informasi-informasi lainnya yang terkait dengan Laporan Tahunan PT Bank
Syariah Bukopin 2011, merupakan tanggung jawab Manajemen PT Bank Syariah Bukopin dan telah disetujui serta ditandatangani oleh Dewan Komisaris dan Direksi PT Bank Syariah Bukopin.
This 2011 Annual Report and Edited Financial Statements from the Public Accounting Firm of PT Bank Syariah Bukopin and other informations that are relevant with the Annual Report of PT Bank
Syariah Bukopin 2011, is a responsibility of PT Bank Syariah Bukopin’s management and has been approved and signed by the Board of Commissioners and Directors of PT Bank Syariah Bukopin.
Dewan Komisaris
Board of Commissioners
Sudarmin Sjamsoe, S.E. Komisaris Utama
President Commissioner
DR. Hajriyanto Y. Thohari, M.A. Prof. DR. Bambang Setiaji, M.Si.
Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner
Dewan Direksi
Board of Directors
Riyanto Direktur Utama
President Director
Harry Harmono Busiri Ruddy Susatyo
Direktur Bisnis Direktur Operasi dan Pelayanan
Business Director Operation and Services Director
Eriandi Direktur Kepatuhan dan Manajemen Risiko
Compliance and Risk Management Director
Ruddy Susatyo a
on o
o o
o er
Board of Commissioners
Suda d
d d
d rmin Sjamsoe S E
Eriandi
Presi
DR. Hajriyanto Y. Thohari, M.A. Komisaris Independen
Dew
Board of Director
Riyanto Direktur Utama
t Director
Harry Harmono Busiri
E i
Laporan Keuangan untuk tahun yang berakhir pada tanggal
31 Desember 2011 dan 2010
dan Laporan Auditor Independen
Financial Statements for the years ended December 31, 2011 and 2010
and Independent Auditor’s Report
No: R.3001.J0312
Laporan Auditor Independen
Pemegang Saham, Dewan Komisaris dan Direksi PT BANK SYARIAH BUKOPIN
Kami telah mengaudit laporan posisi keuangan PT Bank Syariah Bukopin dh Bank Persyarikatan Indonesia Bank tanggal
31 Desember 2011 dan 2010, laporan laba rugi komprehensif, laporan perubahan ekuitas serta laporan arus kas untuk tahun
yang berakhir pada tanggal-tanggal tersebut. Laporan keuangan adalah tanggung jawab Manajemen Bank. Tanggung
jawab kami terletak pada pernyataan pendapat atas laporan keuangan berdasarkan audit kami.
Kami melaksanakan audit berdasarkan standar auditing yang ditetapkan Institut Akuntan Publik Indonesia. Standar tersebut
mengharuskan kami untuk merencanakan dan melaksanakan audit agar memperoleh keyakinan memadai bahwa laporan
keuangan bebas dari salah saji material. Suatu audit meliputi pemeriksaan, atas dasar pengujian, bukti-bukti yang
mendukung jumlah-jumlah dan pengungkapan dalam laporan keuangan. Audit juga meliputi penilaian atas prinsip akuntansi
yang digunakan dan estimasi signifikan yang dibuat oleh Manajemen Bank, serta penilaian terhadap penyajian laporan
keuangan secara keseluruhan. Kami yakin bahwa audit kami memberikan dasar memadai untuk menyatakan pendapat.
Menurut pendapat kami, laporan keuangan yang kami sebut di atas menyajikan secara wajar, dalam semua hal yang
material, posisi keuangan PT Bank Syariah Bukopin tanggal 31 Desember 2011 dan 2010, hasil usaha, laporan perubahan
ekuitas serta laporan arus kas untuk tahun yang berakhir pada tanggal-tanggal tersebut, sesuai dengan akuntansi keuangan
di Indonesia.
Catatan 36 Laporan keuangan berisi pengungkapan mengenai kelangsungan usaha Bank serta tindakan yang ditempuh dan
rencana yang dibuat Manajemen Bank untuk mengantisipasi kelangsungan usaha tersebut. Laporan keuangan tersebut
mencakup kelangsungan usaha sepanjang hal itu dapat ditentukan dan diperkirakan.
05 Maret 2012
Doli, Bambang, Sudharmaji Dadang
Bambang Hariadi, MEc, CPA NRAP: AP. 0413
Independent Auditor Report
The Shareholders, Board of Commissioners and Board of Directors PT BANK SYARIAH BUKOPIN
We have audited the accompanying statements of i nancial position of PT Bank Syariah Bukopin d h Bank Persyarikatan
Indonesia “Bank” dated December 31, 2011 and 2010, comprehensive income statement, change of equity report,
and cash l ows statement for the years ended as per the said that. The i nancial statements are the responsibility of the
Bank Management. Our responsibility is to express an opinion on these i nancial statements based on our audit.
We performed the audit according to the auditing standards as stipulated by the Indonesian Public Accountant Institution.
The said standards require us to plan and perform audit as to obtain appropriate belief that the financial statement is
free from any material presentation error. An audit shall include reviews, based on examination, evidences supporting
the totals and disclosure in the entire financial statement. Audit shall also include the evaluation of the applied
accounting principles and significant estimation made by the management, as well as the evaluation on the preparation
of financial statement as a whole. We believe that our audit will provide an adequate base to put forward opinion.
In our opinion, the financial statement that we have described above present fairly, in terms of all material cases,
the financial position of PT Bank Syariah Bukopin dated December 31, 2011 and 2010, such as operating income,
change of equity report and cash flows statement for the year ended on the said date, in accordance with financial
accounting in Indonesia.
Note of 36 on the financial report contains the disclosure of the continual Bank business performance and the measures
taken as well as the plan made by the Bank management to anticipate the said business performance. The said financial
report shall include the business performance in so far as it may be predicted and determined.
March 05
th
, 2012
Doli, Bambang, Sudarmaji, Dadang
Registered Public Accountants Lisence no.: KEP - 007KM.52006
Branch Offi ce : Jl. Raya kalimalang Blok - E No. 4F
Duren Sawit Jakarta Timur 13440 Phone
62-21 8611 845, 8611 847, 866 10331, 866 10334 Fax.
62-21 8611 708, 866 10401 E-mail bascodnet.net.id
auditor_shsyahoo.com
An Independent member o BKR
International, with offi ces troughout the World
PT. BANK SYARIAH BUKOPIN BALANCE SHEET
December 31, 2011 and 2010 Expressed in Rupiah
Assets
Cash Placement in Bank Indonesia
Current account in other banks after deducted with provision for current accounts with other
banks write-of amounting Rp2,571,586,786 and Rp2,803,038,222 on December 31, 2011
and December 31, 2010 Related parties
Third parties Marketable securities
Receivables murabahah - after deducted by provision
write-of on December 31, 2011 and December 31, 2010
each respectively Rp26,280,970,864 and Rp23,219,710,785
Credit Financing - after provision deduction write-of on December 31, 2011 and December 31, 2010
each respectively Rp133,510,332 Receivable income
Prepaid taxes and payment Prepaid expenses
Deferred assets taxes Fixed asset - provision deducted
depreciation on December 31, 2011 and December 31, 2010
each respectively Rp23,190,587,767 and Rp19,760,313,427
Other assets
Total assets
The above financial statements notes is an unseparable parts from the whole financial statements.
PT. BANK SYARIAH BUKOPIN LAPORAN POSISI KEUANGAN
31 Desember 2011 dan 2010 Dalam Rupiah
Catatan 31-Des-11
31-Des-10
Notes
A s e t
Kas 2a,3
19.566.163.450 19.087.661.150
Penempatan pada Bank Indonesia 2d,4
315.168.057.717 142.419.222.458
Penempatan pada bank lain - setelah dikurangi 2b,2e,5 penyisihan penghapusan giro pada bank lain
sebesar Rp2.571.586.786 dan Rp2.803.038.222 pada tanggal 31 Desember 2011
dan 31 Desember 2010 Pihak hubungan istimewa
251.667.306.036 273.667.299.001
Pihak ketiga 2.919.785.788
3.833.484.902 Efek-efek
2g, 6 8.472.275.000
5.733.650.000 Piutang
murabahah - setelah dikurangi penyisihan penghapusan pada tanggal 31 Desember 2011
dan 31 Desember 2010 masing-masing sebesar Rp26.280.970.864
dan Rp23.219.710.785 2c,2h,2i,7 1.885.626.018.875 1.582.401.519.184
Kredit yang diberikan - setelah dikurangi penyisihan penghapusan pada tanggal 31 Desember 2011
dan 31 Desember 2010 sebesar Rp. 133.510.332 2c,2f,8
2.451.077.163 2.451.077.163
Pendapatan yang masih akan diterima 9
15.368.277.424 11.882.603.297
Pajak dibayar dimuka dan uang Muka 2t,10
11.783.403.905 15.187.605.502
Beban dibayar dimuka 2k,11
28.603.131.129 18.296.616.621
Aset pajak tangguhan 2t,18d
24.139.396.752 25.066.728.354
Aset tetap - setelah dikurangi akumulasi penyusutan pada tanggal 31 Desember 2011
dan 31 Desember 2010 masing-masing sebesar Rp23.190.587.767 dan Rp19.760.313.427
2j,12 57.646.090.664
43.994.021.764 Aset lain-lain
2l,13 106.615.925.920
49.930.838.683
Jumlah aset 2.730.026.909.823 2.193.952.328.077
Lihat catatan atas laporan keuangan yang merupakan bagian yang tidak terpisahkan dari laporan keuangan secara keseluruhan
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
|
3
PT. BANK SYARIAH BUKOPIN LAPORAN POSISI KEUANGAN
31 Desember 2011 dan 2010 Dalam Rupiah
Catatan 31-Des-11
31-Des-10
Notes
Liabilitas dan ekuitas Simpanan
2n,2o Giro wadiah
14 102.965.714.420
95.501.632.957 Giro umum
Pihak ketiga 86.159
592.504 Tabungan 15
Tabungan wadiah Pihak terkait
2.315.744.727 2.252.240.120
Pihak ketiga 204.589.414.743
172.330.288.584 Tabungan mudharabah
Pihak terkait 461.086.656
17.074.881 Pihak ketiga
64.262.912.496 28.288.511.886
Deposito mudharabah
16 Pihak terkait
2.328.500.000 19.175.000.000
Pihak ketiga 1.914.814.265.702
1.304.348.046.771
Liabilitas
Liabilitas segera lainnya 2m,17
5.499.008.101 7.718.964.859
Pajak yang masih harus dibayar 2t,18
4.979.284.385 1.738.554.117
Pinjaman yang diterima 19
49.780.291.300 52.799.849.594
Penempatan dari bank lain 20
35.481.978.822 270.957.931.286
Beban yang masih harus dibayar 21
6.501.532.947 7.042.543.655
Liabilitas lain-lain 2q,22
22.796.789.134 32.645.505.799
Pinjaman subordinasi 23
50.000.000.000 50.000.000.000
Liabilitas imbalan kerja 2s,24
7.476.087.963 5.570.214.000
Jumlah liabilitas 2.474.252.697.553 2.050.386.951.012
Ekuitas Modal Saham
- Nilai nominal Rp10.000,- per saham untuk
seri A Rp100,- per saham untuk seri B dan Rp.50,- per saham untuk seri C.
Modal dasar
untuk seri A : 8.137.000 saham, untuk seri B : 9.186.300.000 saham dan untuk
seri C : 14.992.600.000 saham.
Ditempatkan dan disetor penuh untuk seri A : 8.137.000 saham, untuk
seri B : 1.690.000.000 saham dan untuk seri C : 4.000.000.000 saham pada tanggal
31 Desember 2011 dan 2010.
25 450.370.000.000
350.370.000.000 Saldo dei sit
194.595.787.729 206.804.622.935
Jumlah ekuitas 255.774.212.271
143.565.377.065 Jumlah liabilitas dan ekuitas
2.730.026.909.823 2.193.952.328.077
Lihat catatan atas laporan keuangan yang merupakan bagian yang tidak terpisahkan dari laporan keuangan secara keseluruhan
Liability and equity Deposits
Wadiah current accounts General current accounts
Third parties Saving deposits
Wadiah saving deposits Related parties
Third parties Mudharabah saving deposits
Related parties Third parties
Mudharabah time deposits Related parties
Third parties
Liability
Other liabilities Payable taxes
Funds borrowings Placement with other banks
Payable expenses Other Liabilities
Subordinated funds Benei ts liabilities
Total Liability Equity
Stock capital
Nominal value of Rp10,000,- per share for A series, Rp100,- per share
for B series and Rp50 per share for C series.
Capital
A series: 8,137,000 shares, B series: 9,186,300,000 shares
and C series: 14,992,600,000 shares.
Issued and fully paid
A series:8,137,000 shares, B series:1,690,000,000 shares
C series:4,000,000,000 shares on December 31, 2011 and 2010.
Dei cite balance Total equity
Total Liability and equity
The above financial statements notes is an unseparable parts from the whole financial statements.
PT. BANK SYARIAH BUKOPIN BALANCE SHEET
December 31, 2011 and 2010 Expressed in Rupiah
4
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LAPORAN TAHUNAN BANK SYARIAH BUKOPIN 2011
PT. BANK SYARIAH BUKOPIN LAPORAN LABA RUGI KOMPREHENSIF
Untuk Tahun yang Berakhir pada Tanggal 31 Desember 2011 dan 2010 Dalam Rupiah
Catatan 31-Des-11
31-Des-10
Notes
Pendapatan beban operasional Pendapatan operasi utama
Pendapatan
syariah 2p,26
Pendapatan dari jual beli 141.938.920.822
136.702.779.813 Pendapatan bagi hasil
63.570.104.671 56.622.094.541
Pendapatan lainnya 6.188.413.348
4.927.437.800
Pendapatan konvensional 27
Bunga -
1.741.570 Provisi dan komisi kredit
2r 14.000.000
152.389.371
Jumlah pendapatan operasi utama 211.711.438.841
198.406.443.095 Beban operasi utama
Beban syariah 2q,28
Hak pihak ketiga atas bagi hasil investasi tidak terikat
131.043.439.793 100.435.672.787
Beban bagi hasil sertii kat investasi mudharabah antar bank syariah
3.668.543.906 16.216.371.322
Beban bonus dan bagi hasil antar bank
5.426.991.331 7.408.942.861
Beban Pinjaman Yang Diterima -
3.103.958.472
Beban konvensional 29
Bunga 3.484.153.014
407.275.944
Jumlah beban operasi utama 143.623.128.044
127.572.221.386 Jumlah pendapatan beban - bersih
68.088.310.797 70.834.221.709
Pendapatan beban komprehensif lainnya Pendapatan operasional lainnya
Pendapatan lain-lain 30
33.594.520.304 24.748.884.516
Beban operasional lainnya 31
Umum dan operasional lainnya 38.017.339.620
33.205.284.361 Tenaga kerja
42.362.712.377 40.147.311.217
Penyisihan penghapusan aset produktif 6.235.620.647
7.876.794.556
Jumlah beban operasional lainnya 86.615.672.643
81.229.390.134 Pendapatan beban komprehensif lainnya
53.021.152.339 56.480.505.617
Laba operasional 15.067.158.458
14.353.716.092 Pendapatan beban non operasional
32 Pendapatan beban non operasional - bersih
45.439.150 565.619.054
Laba rugi komprehensif sebelum pajak penghasilan
15.021.719.308 14.919.335.146
Pajak penghasilan
Pajak kini 18c
1.885.552.500 -
Pajak tangguhan 2t,18d
927.331.602 4.685.191.954
Jumlah pajak penghasilan 2.812.884.102
4.685.191.954 Laba bersih komprehensif setelah
Pajak penghasilan
12.208.835.206 10.234.143.192
Lihat catatan atas laporan keuangan yang merupakan bagian yang tidak terpisahkan dari laporan keuangan secara keseluruhan
Operating Income Expenses Main Operating Income
Sharia Income
Sales Income Proi t Sharing Income
Other Income
Conventional Income
Interest Provision and Commisions credit
Total operating Income Main Operating Expenses
Sharia Expenses
Third Party share on unrestricted investment revenue sharing
Inter banks Mudharabah investment certii cates revenue sharing expenses
Inter banks bonus and revenue sharing expenses
Funds Borrowings Expenses
Conventional Expenses
Interests
Total Main Operating Expenses Total Income Expenses - Net
Other comprehensive Income Expenses Other Operating Income
Other Incomes
Other Operating Expenses
General and other operationals Employees
Provision of earning assets write-of
Total of other Operating Expenses Other operating Income expenses
Operating income Non Operating Income Expenses
Non operating Income expenses - Net
Comprehensive Income Loss before company Income Tax
Income Taxes
Current Taxes Deferred Taxes
Total Income Taxes Net Comprehensive income after
company Income Tax
The above i nancial statements notes is an unseparable parts from the whole i nancial statements.
PT. BANK SYARIAH BUKOPIN STATEMENTS OF COMPREHENSIVE INCOME
For the Years ended December 31, 2011 and 2010 Expressed in Rupiah
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
|
5
PT. Bank Syariah Bukopin LAPORAN PERUBAHAN EKUITAS
Untuk Tahun yang Berakhir pada Tanggal 31 Desember 2011 dan 2010 Dalam Rupiah
Catatan Modal Saham Ditempatkan
Saldo Laba Rugi Jumlah Ekuitas
dan Disetor Penuh Dei siensi Modal
Notes Issued and Fully Paid Stock Capital Income Loses Balance Capital Total Equity Dei ciency
Saldo 31 Desember 2009 350.370.000.000
217.038.766.128 133.331.233.872
Laba bersih komprehensif tahun berjalan
- 10.234.143.192
10.234.143.192
Saldo 31 Desember 2010 350.370.000.000
206.804.622.935 143.565.377.065
Tambahan Modal Disetor 25
100.000.000.000 100.000.000.000
Laba bersih komprehensif tahun berjalan
- 12.208.835.206
12.208.835.206
Saldo 31 Desember 2011 450.370.000.000
194.595.787.729 255.774.212.271
December 31, 2009 Balance
Comprehensive net proi t during the year
December 31, 2010 Balance
Additional paid-in capital Comprehensive net proi t
during the year
December 31, 2011 Balance
PT. Bank Syariah Bukopin
STATEMENTS OF STOCKHOLDERS EQUITY
For the Years ended December 31, 2011 and 2010 Expressed in Rupiah
The above i nancial statements notes is an unseparable parts from the whole i nancial statements.
Lihat catatan atas laporan keuangan yang merupakan bagian yang tidak terpisahkan dari laporan keuangan secara keseluruhan.
6
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LAPORAN TAHUNAN BANK SYARIAH BUKOPIN 2011
Arus kas dari aktivitas operasi
Penerimaan bunga dan provisi 211.711.438.841
198.406.443.095 Pembayaran bunga
3.484.153.014 3.511.234.416
Pembayaran Hak pihak ketiga atas bagi hasil investasi tidak terikat
131.043.439.793 100.435.672.787
Pembayaran bonus dan bagi hasil antar bank 5.426.991.331
7.408.942.861 Penerimaan pendapatan beban operasional
komprehensif lainnya 22.717.584.999
3.463.854.261 Pembayaran kas pada karyawan dan pemasok
80.380.051.996 73.352.595.578
Laba operasi sebelum perubahan dalam aktiva operasi 14.094.387.706 10.234.143.192
Kenaikan penurunan dalam aset operasi
Penempatan surat-surat berharga 2.738.625.000
5.733.650.000 Piutang murabahah
303.224.499.691 321.504.470.642
Kredit yang diberikan -
524.023.915 Pendapatan yang masih akan diterima
3.485.674.128 4.494.274.973
Uang muka, beban dibayar dimuka, pajak tangguhan 5.974.981.309 10.298.734.925
Aset lain-lain 56.685.087.237
9.412.931.914
Kenaikan penurunan dalam liabilitas operasi Giro wadiah dan umum
Pihak ketiga 7.463.575.119
2.957.693.292 Tabungan wadiah dan umum
68.741.043.150 29.755.582.388
Deposito Pihak yang mempunyai hubungan istimewa
16.846.500.000 18.524.693.796
Pihak ketiga 610.466.218.931
304.735.438.309 Liabilitas segera dibayar
2.219.956.758 863.148.505
Penempatan dari bank lain 235.475.952.464
144.432.078.411 Beban yang masih harus dibayar
541.010.708 5.963.248.918
Hutang pajak 1.355.177.767
179.670.189 Liabilitas imbalan kerja
1.905.873.963 940.607.000
Liabilitas lain-lain 9.848.716.665
2.102.065.754
Kas bersih digunakan untuk aktivitas operasi 66.985.272.676 129.215.343.698
Arus kas dari aktivitas investasi Perolehan kelebihan nilai aktiva tetap
13.652.068.900 6.571.570.845
Kas bersih digunakan untuk aktivitas investasi 13.652.068.900
6.571.570.845
Lihat catatan atas laporan keuangan yang merupakan bagian yang tidak terpisahkan dari laporan keuangan secara keseluruhan
PT. BANK SYARIAH BUKOPIN LAPORAN ARUS KAS
Untuk Tahun Yang Berakhir 31 Desember 2011 dan 2010 Dalam Rupiah
31-Des-11 31-Des-10
Cash l ow from operational activities
Receivables interests and provisions Payable interests
Third party share of unrestricted investment return - Payable
Bonus and Inter-bank revenue sharing - Payable Other comprehensive operating
income expenses - Receivables Cash to employees and supplier - Payable
Operating Income before changes in operating assets Decrease Increase in operating assets
Placement with other banks and bonds Murabahah receivables
Credit financing Receivables
Prepaid, prepaid expenses, deferred taxes Other assets
Increase decrease in operating liability
Wadiah and general current accounts Third parties
Wadiah and general deposits Deposits
Related parties Third parties
Payable Liabilities Placement with other banks
Payable expenses Payable taxes
Benei ts Liabilities Other Liabilities
Operating activities cash - Net Investment activities cash l ow
Premises proi t income
Investment activities cash - Net
The above financial statements notes is an unseparable parts from the whole financial statements.
PT. BANK SYARIAH BUKOPIN STATEMENT OF CASH FLOW
For the Years ended December 31, 2011 and 2010 Expressed in Rupiah
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
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Cash l ow from funding activities
Additional paid-in capital Receivables settlement fund borrowings
Funding activities cash - Net
Increase decrease cash and cash equivalents - Net Cash and cash equivalents balance in the beginning of the year
Cash and cash equivalents balance in the end of the year Cash and cash equivalents components in the end of year
Cash Current account with Bank Indonesia
Current accounts with other banks
Total
The above financial statements notes is an unseparable parts from the whole financial statements.
PT. BANK SYARIAH BUKOPIN LAPORAN ARUS KAS
Untuk Tahun Yang Berakhir 31 Desember 2011 dan 2010 Dalam Rupiah
31-Des-11 31-Des-10
PT. BANK SYARIAH BUKOPIN STATEMENT OF CASH FLOW
For the Years ended December 31, 2011 and 2010 Expressed in Rupiah
Arus kas dari aktivitas pendanaan Penambahan setoran modal
100.000.000.000 -
Penerimaan pelunasan pinjaman yang diterima 3.019.558.294
2.700.000.000
Kas bersih diperoleh dari aktivitas pendanaan 96.980.441.706
2.700.000.000
Kenaikan penurunan bersih kas dan setara kas 150.313.645.482 138.486.914.544
Saldo kas dan setara kas pada awal tahun 439.007.667.510
577.494.582.054
Saldo kas dan setara kas pada akhir tahun 589.321.312.992 439.007.667.510
Komponen kas dan setara kas pada akhir tahun Kas
19.566.163.450 19.087.661.150
Giro pada Bank Indonesia 315.168.057.717
142.419.222.458 Giro pada Bank Lain
254.587.091.825 277.500.783.903
Jumlah 589.321.312.992 439.007.667.510
Lihat catatan atas laporan keuangan yang merupakan bagian yang tidak terpisahkan dari laporan keuangan secara keseluruhan
8
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LAPORAN TAHUNAN BANK SYARIAH BUKOPIN 2011
1. Umum a. Pendirian Bank
PT. Bank Syariah Bukopin “Bank” dahulu bernama PT. Bank Persyarikatan Indonesia didirikan berdasarkan Akta No. 102
tertanggal 29 Juli 1990 dengan nama PT. Bank Swansarindo Internasional yang dibuat dihadapan Dr. Widjojo Wilami, SH.,
Notaris di Samarinda. Anggaran Dasar Bank ini telah mendapat persetujuan dari Menteri Kehakiman Republik Indonesia sesuai
dengan Surat Keputusannya No. C2-5618.HT.01.01TH.90 tertanggal 11 September 1990 dan selanjutnya telah didaftarkan di Kantor
Pengadilan Negeri Samarinda dengan No. W13.26.HT.01.01-67 tertanggal 9 Oktober 1990. PT. Bank Swansarindo Internasional
merupakan hasil peleburan 2 dua Bank Pasar yaitu PT. Bank Pasar Gunung Sindoro di Samarinda dan PT. Bank Pasar Gunung
Kendeng di Surakarta. Persetujuan izin usaha dan peningkatan status menjadi Bank Umum telah diperoleh berdasarkan Surat
Keputusan Menteri Keuangan Republik Indonesia No. 1659 KMK.0131990 tertanggal 31 Desember 1990.
Akta pendirian Bank beberapa kali telah mengalami perubahan, yaitu:
1. Akta No. 42 tertanggal 6 April 1991 yang dibuat dihadapan Dr. Widjojo Wilami, SH., Notaris di Samarinda, Bank ini telah
dipindahkan kedudukannya dari Samarinda ke Jakarta. Akta ini telah memperoleh pengesahan dari Menteri Kehakiman
Republik Indonesia sesuai dengan Surat Keputusannya No. C2- 1568.HT.01.04.TH.91 tanggal 7 Mei 1991 dan selanjutnya telah
didaftarkan di Kantor Pengadilan Negeri Samarinda dengan No. W13.Db.HT.01.01-36 tertanggal 12 Juni 1991.
2. Akta No. 159, tertanggal 16 Desember 1998 , yang dibuat dihadapan Rd. Johanes Sarwono, SH. Notaris di Jakarta, yang
telah mendapat pengesahan dari Menteri Kehakiman Republik Indonesia, dengan Surat Keputusan tertanggal 17 Juni 1999
No.C-11272.HT.01.04.TH.1999, kemudian diubah dengan akta- akta berita acara rapat, Akta No. 72 tertanggal 29 Maret 1999 ,
dan Akta No. 22 tertanggal 07 Mei 1999 , keduanya dibuat dihadapan Notaris Rd. Johanes Sarwono, SH., yang kemudian
diubah lagi dengan akta pernyataan keputusan rapat No. 01, tertanggal 01 Juli 1999 yang dibuat dihadapan I Nyoman
Pageh, SH., Notaris di Jakarta.
3. Akta No. 16 tertanggal 08 Januari 2003 yang dibuat dihadapan Arry Supratno, SH., Notaris di Jakarta, juncto Surat Keputusan
1. General a. Company Establishment
