ENDONEZYA’DA İSLAMİ FİNANS VE İSLAMİ BANKACILIK UYGULAMALARI

Year 2018, Volume: 13 Issue: 2, 161 - 195, 31.12.2018

Ayfer Gedikli , Seyfettin Erdoğan

Abstract

ENDONEZYA’DA İSLAMİ FİNANS VE
İSLAMİ BANKACILIK UYGULAMALARI

Doç. Dr. Ayfer Gedikli

Istanbul Medeniyet Üniversitesi,
Siyasal Bilgiler Fakültesi, İktisat Bölümü,

[e-mail]

Prof. Dr. Seyfettin Erdoğan

Istanbul Medeniyet Üniversitesi,
Siyasal Bilgiler Fakültesi, İktisat Bölümü,

[e-mail]

 

ÖZET

Güney
Doğu Asya’nın sahiline yakın mesafede bulunan Endonezya, dünyanın en büyük ada
ülkesidir. Endonezya, hızla gelişen dinamik ekonomik yapısına ve dünyanın en
kalabalık müslüman nüfusu barındıran ülkesi olmasına karşın, küresel İslami
finans ve katılım bankacılığı sistemi içinde oldukça küçük bir paya sahiptir.
Yüksek müslüman nüfusa sahip diğer ülkelerden Malezya ve Suudi Arabistan ile
mukayese edildiğinde İslami finans konusunda çok gerilerde olduğunu söylemek
yanlış olmayacaktır. Bunun nedeni sadece İslami finans ve katılım
bankacılığında yeterli etkinliğe sahip olmaması değil, aynı zamanda
konvansiyonel bankacılık sistemleri ve diğer finansal araçlar konusunda da
yeterli derinliğe ve uzmanlaşmaya sahip olmamasıdır. Ekonomi yöneticileri,
katılım bankacılığının finansal sistem içerisindeki payının ve etkinliğinin
arttırılması hususunda önemli girişimler yapmaktadırlar. 2015 yılında Finansal
Hizmetler Kurulu tarafından geliştirilen planda, 2020 yılına kadar katılım
bankacılığının payının %5’den %15’e yükseltilmesi hedeflenmektedir.

Bu
çalışmada, Endonezya’da İslami finans ve İslami bankacılık açısından ortaya
konan performansın genel görünümü değerlendirilecektir. Çalışma üç başlıktan
meydana gelmektedir. Birinci başlık altında İslami bankacılığın tarihi gelişimi,
ikinci başlık altında, İslami Finansa ilişkin performans, üçüncü başlık altında
da, İslami finans ve İslami bankacılık konusunda gözlenen aksaklıklar konusu
ele alınıp, alternatif politika önerileri ortaya konmaya çalışılacaktır.

 

Anahtar kelimeler: Endonezya, İslami Bankacılık,
İslami Finans

 

İSLAMİC FINANCE AND PARTICIPATION
BANKING IN INDONESIA

Indonesia,
as the largest iseland country in the world, is located off the coast of South
East Asia. Although Indonesia has a dynamic growing economy and the country has
the world’s largest Muslim population, it has a small share in the global İslamic
banking industry. Comparing with the other İslamic countries such as Malaysia
and Saudi Arabia, Indonesia's İslamic finance industry lag far behind in İslamic
banking and İslamic finance. Actually not only İslamic banking structure, but
also Indonesia’s local conventional banking system is not deep and
sophisticated enough. So, the government has been working on improving İslamic
banking to make Indonesia one of the greatest global İslamic banking hub in
order not just to be one of the pioneer countries in this sector but also to
protect the local economy and banking sector from the negative effects of
global financial problems. Accordingly, in 2015, Financial Services Authority
of Indonesia launched a 5-year development plan for Participation banking to
improve its proportion in whole banking sector from 5% to 15%.

In
this study, Islamic finance and Islamic Performance of Indonesia was evaluated.
The paper is composed of three parts: In the first part of the study, history
of Islamic banking in Indonesia was explained. In the second part, Islamic
finance performance of Indonesia was evaluated. And in the third part the
problems of Islamic banking and Islamic finance will be handled. And in the
final part some alternative policy suggestions will be put forth to overcome
these problems.

 

Key words: Indonesia, İslamic Banking, İslamic
Finance

 

Keywords

Endonezya, İslami Bankacılık, İslami Finans

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