BNI Syariah Business tightens Pawn Gold
Januari 7, 2012 Tinggalkan komentar
“So it could still pawning gold, especially for urgent needs,” said Director of BNI Syariah Rizqullah to VIVAnews, Friday, January 6, 2012.
According to him since the beginning of BNI Syariah already limit the number of pawn value of gold should not be more than 20 percent of total financing. This is done before the height of pledge of gold in Islamic banks.
“So no problem, the setting of Bank Indonesia’s, make us more cautious,” he said.
Rizkullah gold rate in mortgage products there is a tendency element of speculation. He welcomed the golden rule to be issued mortgage BI. The regulation is expected to menimimalisir speculation in gold mortgage products.
“If hell BNI welcomes rules of BI, because this is necessary in order to pawn transactions actually correspond allotment, do not lead to the speculation,” he said.
In that rule, he added, Islamic banking can still run the product pawn gold, just in banking practice required to be more careful. “I think it is not stopped, yes, there’s just so ya eksplosure settings to pawn gold is more prudent, but not any termination,” he explained.
As is known the BI will issue mortgage-related circulars made gold the end of Islamic banks in January 2012. The circular was one of them discussed the amount of credit to the value of goods (loan to value / LTV).
According to the Directorate of Islamic Banking Director of Bank Indonesia, Mulya Siregar, loan to value mortgage products gold should not be more than 80 percent of the specified ceiling. It aims to avoid any speculation in gold mortgage products.