This was revealed in the exposure read BI BI Deputy Governor Budi Sunayoko in front Rochadi House Commission XI in Jakarta. According to him, the current banking situation is strong enough views of key ratios. For example, capital adequacy ratio is still above 8% minimum provision. Meanwhile, in terms of core capital, until 11 October leaving banks do not meet the minimum capital provisions.  ”The number of commercial banks up to now reached 121. The amount is down from 124 banks in 2008. Approximately 106 of these banks have a CAR even greater than 12% as of October 2009. The number of banks there are 11 banks that still have a core capital under Rp100 billion, “said Budi.

Nevertheless, Budi optimistic that all banks will comply with minimum capital. We have several banks that had committed compliance, but the numbers fluctuate. “These numbers go up and down,” he said. BI Deputy Governor Muliaman D Hadad said the central bank will continue to run a minimum capital provisions. Banks that do not comply with the provisions of capital will be limited operationally. This low capital banks must reduce the area of operations according to the capability of their capital. “Actually there is nothing new.’ll No restriction of business activities. So, who have branches in many provinces have gradually cut back and determined in one province,” explained Muliaman.

And current development of sharia banks in Indonesia was incredible, even more than 100% when compared to the beginning of the year 2000. Currently all existing banks in Indonesia, both national and international racing competitions to open Islamic bank as one business unit. Among these banks are Bank syariah mandiri, HSBC syariah and Standard Chartered Syariah, BNI syariah. With the development of Islamic banking, it is not impossible that the cause plowing mutual human resources. Because human resources qualified in this field are still scarce practically.

Reasons for the development of sharia-based banks because their profits were greater good for the banks and customers other than the risk of loss or bankruptcy faced by small, too. Even sharia bank profits in recent years greater compared with the benefits of conventional banks. Basically this sharia-based banks use the principle of fairness in business. Examples of new savings customers would get the interest or the results if the funds are used as working capital loans or by other customers, of course, after there is agreement from the owner of the funds. So also for those who borrow, both lenders and capital will be brought together to discuss the loan term and the results obtained for capital providers certainly facilitated by the bank. Which included the agreement that the profits and losses are borne along, meaning a loss if the borrower is not obligated to return the following capital results. However, if successful, the benefits are divided according to the agreement early.

Actually this sharia banking system more secure than the conventional banking system, especially for the State’s economy, because the benefit is greater than the disadvantages. Only this time more in the world controlled by the capitalists more interested in profits for himself and his group. Hopefully future Islamic system can be a reference and the handle for each economic activity in all countries.