The development of Islamic banking system in Indonesia is carried out within the framework of a dual-banking system or a dual banking system within the framework of the Indonesian Banking Architecture (API), to present alternatives to the more complete banking services to the people of Indonesia. Taken together, the system of Islamic banking and conventional banking synergistically support the mobilization of public funds more broadly to improve financing for the national economy sectors.
Characteristics of Islamic banking system that operates on the principle of profit sharing provides an alternative banking system that mutually beneficial for society and the bank, and highlight aspects of fairness in trade, ethical investment, promote the values ​​of togetherness and brotherhood in production, and avoid speculative activities in financial transactions . By providing a variety of products and services a variety of banking services with financial schemes are more varied, Islamic banking to be a credible alternative to the banking system and can be in the interest of Indonesia by all segments of society without exception.
In the context of macro economic management, the widespread use of various products and Islamic financial instruments will be able to glue the relationship between the financial sector to real sector and create harmony between the two sectors. The more widespread use of Islamic products and instruments will support activities in addition to financial and business community will also reduce transactions that are speculative, thus supporting the overall financial system stability, which in turn will contribute significantly to the achievement of price stability, medium-long term.
With the enactment of Law No.21 of 2008 concerning Islamic Banking which was published on July 16, 2008, the development of the national Islamic banking industry has an adequate legal basis and will encourage the growth is even faster. With the impressive progress of its development, which reached an average asset growth of more than 65% per year in the last five years, it is expected that Islamic banking industry's role in supporting the national economy will be increasingly significant.