To provide guidance to stakeholders and put the position of Islamic banking as well as the outlook of Bank Indonesia in developing sharia banking in Indonesia, Bank Indonesia later in 2002 had published a "Blueprint for Development of Islamic Banking in Indonesia". 
 In its compilation, various aspects have been considered in a comprehensive manner, including the actual condition of the national Islamic banking industry and its related tools, development trend of Islamic banking industry in the international and national development of Islamic financial system that began to manifest itself, and not be separated from the framework of financial system macro is more like the Indonesian Banking Architecture (API) and the Indonesian Financial System Architecture (ASKI) as well as international best practices formulated by Islamic financial institutions, such as the IFSB (Islamic Financial Services Board), AAOIFI and IIFM.

         The development of Islamic banking is directed to provide the greatest benefit for the community and contribute optimally to the national economy. Therefore, the direction of the development of a national Islamic banking has always refer to other strategic plans, such as the Indonesian Banking Architecture (API), Financial System Architecture Indonesia (ASKI), as well as National Medium Term Development Plan (RPJMN) and National Long Term Development Plan (RPJPN). Thus, efforts to develop Islamic banking is a part, and activities that support the achievement of the strategic plan in a larger scale at the national level.

         "Blueprint of Development of Islamic Banking in Indonesia" includes the vision, mission and goals of the development of Islamic banking as well as a set of strategic initiatives with clear priorities to address key challenges and achieve goals in the past 10 years into the future, namely the achievement of Islamic banking market share significantly over deepening of the role of Islamic banking in the financial activities of national, regional and international, in conditions of integration began with the formation of other Islamic financial sector.
        In the short term, a national Islamic banking is more geared to service the domestic market is still huge potential. In other words, a national Islamic banking should be able to be a domestic player but has the quality of service and performance internationally.

        In the end, Islamic banking system to be established by Bank Indonesia is a modern Islamic banking, which is universal, open to all Indonesian citizens without exception. A banking system that presents applicative forms of economic tenets formulated wisely, in the present context the problems being faced by the Indonesian people, and with due regard to socio-cultural conditions in which the nation is to write its history.  

        Only in this way, the Islamic banking system development efforts will always be seen and accepted by the whole people of Indonesia as part of the solution to various problems of the country.

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Indonesia is one of the largest Islamic country in the world, this can be seen from the religious routine performed by the people of Indonesia as the holy days of Islam. as well as the development of banking in Indonesia particularly Islamic banking is in great demand by the people of Indonesia as this is in accordance with the basic principles that run the principle of mutual aid or principle of kinship.

History of Islamic Banking in Indonesia
 
        Islamic banking in Indonesia, was first pioneered by Bank Muamalat Indonesia which was established in 1991. The bank at the beginning of its establishment initiated by the Indonesian Ulema Council (MUI) and the government and received support from the Association of Indonesian Muslim Intellectuals (ICMI) and some Muslim businessmen. At the time of monetary crisis in late 1990, the bank was having trouble so that equity is the only remaining one-third of initial capital. IDB then give an injection of funds to these banks and in the period 1999-2002 can rise up and make a profit.
Until the year 2007 there were 3 institutions of Islamic banks in Indonesia, Bank Muamalat Indonesia, Bank Syariah Mandiri and Bank Syariah Mega. Meanwhile, commercial banks have sharia business unit is among 19 banks are large banks such as Bank Negara Indonesia (Persero) and Bank Rakyat Indonesia (Persero).
Sharia system has also been used by the Rural Bank, currently has grown 104 BPR Syariah.

The working principle of Islamic banks is the rule of Islamic law based on agreement between the bank and others to deposit funds and / or financing of business activities, or other activities in accordance with sharia.

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Banking Sharia or Islamic Bank is also called the Banking Law which refers to the Islamic law governing procedures for the implementation of the recommended savings and loans within Islam itself.

          In general, banks perform three major functions, which accept deposits, lend money, and provide remittance services. Banking has been around since the time of the Prophet in the economic history where Muslims, which is done by contract financing Shariah compliance has become a part of Muslim tradition since the time of the Prophet.  

         Practices such as accepting deposits treasure, as loans for consumption purposes and for business purposes, as well as sending money, has been prevalent since the time of the Prophet. Thus, the main functions of modern banking is to receive deposits, disbursing funds, and funds transfers have become an integral part of Muslim life, even since the time of the Prophet. Prophet, known by the nickname al-Amin, believed by the people of Mecca to receive deposits of property, so at the last moment before the Prophet migrated to Medina, he asked Hadrat Ali ra to return all the deposit to have them. In this concept, which can not take advantage of the treasure entrusted the deposit.
 
         A friend of the Prophet Muhammad, Zubair bin Awwam ra choose not to deposit the treasure. He would rather receive it in the form of loans. Zubir actions cause different implications, namely the first, by taking money as a loan, he has the right to use, secondly, because of its loans, it is obliged to return it intact.

         In addition the use of checks has been used since the trade between the countries Sham with Yemen. Even the reign of Caliph Umar ibn al-Khattab ra use checks to pay benefits to those who deserve it. And also the provision of working capital-based profit-sharing, such as mudaraba, muzara'ah, musaqah has been known since the beginning of the Emigrants and the Helpers.

         Can then be clear that the implementation of the functions of existing and evolving banking
at the time of the Prophet., although it does not perform all banking functions

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