Tinjauan Kesan Pembiayaan Perbankan Islam kepada Sektor Pembinaan Infrastruktur Semasa Pandemik Di Indonesia

[Review of the Impact of Islamic Banks’ Financing to Construction Sector During Pandemic in Indonesia]

Abstract

In early 2020, news in Indonesia announced through many media channels that a new virus, COVID-19, had been found and spread in Wuhan province, China. Later on, a patient was found in Indonesia, in Depok near Jakarta and rapidly spread throughout Jakarta. Preliminary action was taken by the governor of Jakarta, by implementing the Movement Control Order (MCO) in Jakarta starting in mid-March 2020 for students extended to the suspension of economic activities of almost all sectors in Indonesia. Subsequently, only fifteen sectors of business are allowed to operate which some of them is the banking and construction sectors. The Indonesian government continues to carry out recovery, including giving the first vaccine to the president in January 2021. The question is, how has this COVID-19 pandemic situation affected the financing of Islamic banks towards the construction sector ? This study use online data from available reports such as Indonesian Bank statistics and construction industrial reports to help the researchers in discussing for responding the research questions. The finding revealed that Islamic banks’ financing to construction sector is better at this pandemic period.

Abstrak

Pada awal 2020, berita di Indonesia telah mengumumkan melalui banyak saluran media bahawa sejenis virus baharu iaitu COVID-19 telah ditemui dan tersebar di daerah Wuhan, China. Walaubagaimanapun kemudian, seorang pesakit telah ditemui di Indonesia iaitu di Depok dan dengan pantas telah merebak ke seluruh Jakarta. Tindakan awal telah diambil oleh gabenor Jakarta, dengan melaksanakan Perintah Kendali Pergerakan (PKP) di Jakarta bermula pada pertengahan Mac 2020 bagi pelajar dan kemudian dilanjutkan kepada penangguhan aktiviti-aktiviti ekonomi hampir keseluruhan sektor di Indonesia. Namun begitu, hanya lima belas sektor yang dibenarkan beroperasi dan salah satunya adalah sektor bank dan pembinaan. Kerajaan Indonesia terus melakukan pemulihan termasuk pemberian vaksin pertama  diberikan kepada presiden pada Januari 2021. Persoalannya adalah, bagaimanakah situasi pandemik COVID-19 ini telah mempengaruhi pembiayaan bank-bank Islam terhadap sektor pembinaan? Kajian ini menggunakan data dalam talian daripada laporan sedia ada seperti statistik bank Indonesia dan laporan pembinaan industri bagi membantu membuat keputusan kepada penyelidik dalam membincang persoalan kajian. Ditemukan pembiayaan daripada Bank Islam bagi sektor pembinaan lebih baik dari tahun sebelumnya.