Peran Account Officer dan Perkembangan Pembiayaan pada Perbankan Syariah

Abstract

The development of
financing of the Islamic banking can not be separated from the role of the accounts officer who became most
important marketing personnel on the financial product. By running the functions and role of an account officer
at Islamic banking financing the improvement can be realized. It was proven that the increase in 2013 amounted
to 80,85% of the total disbursements of Islamic banking or Rp 135, 58 trillion invested in financing activities.
Growth is directed to financing the real sector in the form of financing (mudarabah and musharakah), accounts
receivable (murabaha, istisna, and qardh), and in the form of ijarah financing. The development financing in 2013
still dominated murabahah receivables amounting to Rp 80,95 trillion or 59.71% followed musharakah financing
that amounted to Rp 25,21 trillion (18.59%) and mudarabah financing amounting to Rp 11,44 trillion (8.44%), and
qardh receivables amounting to Rp 11,19 trillion (8.25%). Factor of quality accounts officer was instrumental in
supporting the development of Islamic banks, and on the one hand improve the ability of the real sector in
employment.