National Shariah banking growth averaged 40% rate. This is an outstanding value compared to the growth of sharia banking in the global scope, such as that alluded to the President of Islamic Development Bank Dr. Ahmad Mohammed Ali in a Bank Indonesia 2nd International Seminar on Islamic Finance in London.

Despite the general growth and development of Islamic financial system (sharia) developed positively, there are a number of constraints. One was presented by Bank Indonesia Deputy Guberbur Dr. Halim Alamsyah on the same occasion, in Indonesia is still quite difficult to distinguish transactions conventional or Shariah system.

Until now, Shariah banks are still using systems similar to a conventional bank. "Some Islamic products were less competitive. Cause, there are some Islamic products are exposed to double tax (double taxation), "he said in a press conference.
Halim said the next one example of the Housing Loan (Mortgage) In Islamic banking, mortgage provision is not a disbursement of funds directly to customers, but rather, as if the customers buy the house for Islamic banking.

"Because the concept of Islamic banking to purchase homes and then resell it to customers, Islamic banking is taxable. Similarly, clients or customers, "said Halim.

While in conventional banking, banks can provide mortgages in the form of cash. Asset or its products, a mortgage and then tied into a mortgage. It is not taxable.

This was also discussed by one of the speakers at the first seminar session. Prof. Dr. Habib Ahmed, Sharjah Chair in Islamic Law and Finance Durham University UK, quoting the phrase James Madison (1778) "If men were angels, no government would be Necessary". "Because people are not angels, then we need the government to balance the private and public interests," he continued

Source : http://ib.eramuslim.com/2012/05/09/perbankan-syariah-masih-terkendala-regulasi/