Mencandera Industri Perbankan Syariah Indonesia: Tinjauan Kritis Pasca UU 21 Tahun 2008

Abstract

After UU 21 exist, shariah banking industries will predicted find the momentum. Shariah bank will make improvement. The content of rules are possible to push the growth of shariah banking in Indonesia. But in the fact, there are some important thing related to instrument and shariah banking product also that less ideal in this banking industries. In this paper, we try to find and predict deeper about condition of shariah banking in Indonesia after UU 21, we also put lot of critical that will be send them. The result show that after the rules had exist, in short term we can not see the positive effect, significantly. In other case, we find a lot of thing that not come from genuine shariah banking, that in the future will have negative impact in the long term, such as: SBI Shariah instrument, shariah credit card, the domination of non PLS and other thing else.