Main Discussion

38 http://journal.iaingorontalo.ac.id/index.php/au

Sharia Banking Performance in Makassar

banking in Makassar has initially attracted the public in general. For the area of Makassar, the total third-party funds collocated were around IDR. 2,632 billion, the amount of funds provided were IDR. 4,656 billion, with its financing deposits ratio is approximately 176.90%. The performance of Islamic banks in South Sulawesi can also be viewed from the level of financing deposit ratio, namely the ratio between the level of funds provided and the level of funds collected. Financing deposit ratio of public Islamic banks in South Sulawesi amounted to 201.67% as of April 2014. This value indicates the value of financing provided to the public. While non-performing financing or the level of problematic financing was only 1.49%, which was below 5%. This condition indicates that the troubled-financing of Islamic bank customers is low. In other words, Islamic banks experience no problems in providing funds to customers compared to problems faced by conventional banks. Even bad credit, for example, from housing sector triggered the onset of the global financial crisis in 2008.