Tinjauan Perkembangan dan Pertumbuhan Perbankan Syariah di Indonesia

Abstract

The largest population of Islam in the world is an Indonesian country where the amouth of Muslim population reaches 204 million inhabitants. The amouth of Islam that is classified as many in Indonesia, has a potential to trigger the development and growth of sharia banks. Government's attention and support for sharia banking is strengthened by the policy with the issuance of sharia banking law. PT Bank Mualat Indonesia is the first syariah bank in Indonesia which was established and operated in 1992 then followed by other sharia bank. PT Bank Muamalat Indonesia was born from the work of the banking team of the Majelis Ulama Indonesia (MUI), which on November 1, 1991 signed the deed of establishment of PT Bank Muamalat Indonesia, collected the purchase of shares of Rp.84 billion. The established sharia bank is a financial services banking institution operating on the basis of Islamic ethics and value systems, especially those free of interest (riba), free from speculative non-productive activities such as gambling (maysir), free from unclear and dubious matters (gharar), based on justice principles, and only finance halal business activities. The institutionalsector from 2007 to 2017 when viewed from the BUS (Islamic Commercial Bank) has increased although the increase is not too high, while the USS (Islamic Business Unit of a Conventional Bank) has fluctuated, the a mouth of BPRS (Islamic Rural Bank) has increased very well, growth the a mouth of sharia banking office network also fluctuated. The development and growth of total assets, DPK (Depositor Funds), and the amount of PYD (Financing) has always increased from 2007 to 2017. So that Islamic banks become a good banking model and is ideal in advancing the nation's economy