Muhammad Amin Suma


Economic crisis has not only created domino effect and caused multi dimensional crisis for Indonesia, but also it has triggered a gap between hopeless community and the ham people. Accidently, the crisis has triggered the development of syariah banking in Indonesia, since the collapse of conventional banking system as well. Whilst the constitution 1945 committed to bring into reality economic matters which create social prosperity and social justice for Indonesian citizens the syariah bank has the spirit of koran to generate social prosperity in justice in prosperity, as stated in the Sura Al-Hadid (57): 25 "We sent n foretime Our apostles with Clear Signs. And sent down with them The Book and the Balance, that men may stand forth injustice ..." and Sura Al-Hasyr (59): 7 "What God has bestowed on His Apostle (and taken away) from the people of the township, belongs to God, to His Apostle and to kindred and orphans, the needy and the wayfarer in order that it may not merely make a circuit between the wealthy among you." The essence is that the economic matters shall generate social justice in prosperity and social prosperity in justice. The born of Islamic banking, therefore, has been viewed as an alternative solution to overcome the economic crisis in the banking sector, while the conventional banking has not made significant progress even it has been restructured.


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