In
this new chapter of Islamic history, Muslims are able to form the
financial system without interest role in mobilizing financial resources
to finance productive activities and consumption. The
system used to finance business activities based on the concept of
profit sharing (profit and loss sharing), murabaha and mudaraba
(partnership passive) and Musharaka (partnership on), as well as other
products in the service sector. According
to Professor Udovitch, (in Umer Chapra), model the movement has helped
businesses mobilization of monetary resources in the century to finance
agriculture, handicrafts, mafaktur, and the project long-term trade. In fact, this model is also used by Jews and Christians to avoid interest-based loan. And all forms of capital interest at the time. Such
embodiment, meaning, Islamic finance is not only used the muslin but
non-Muslims as the system is universal in order welfare of the people.
Progress has been achieved Sharia system and the failure of the capitalist and socialist systems serve as a lesson to undertake redesign of the critically-resistant system. Countries that non-Muslim majority was currently developing systems through the application of sharia Islamic finance industry growing so fast. Indonesia with a Muslim majority with natural resources and human potential is the rise of Islamic economic opportunities as a pillar of the nation's economy. Particularly in South Sulawesi, is known as an area of potentially high economic structure, giving the sense of Islamic banking contributed enough in pushing sektorriil. Although it is recognized that the financing of Islamic banking is still dominated by the financing is still consumptive nature. But progress has been achieved grateful demonstrated, 11 Islamic banks in the prospective South Sulawesi. As of June 2012, the BI Makassar in 2012, Islamic banking assets reached Rp3, 68 trillion or 54.63 percent. Then FDR reached 213.05 percent and NPF was only 1.6 percent the previous (June 2011) reached 2.48 percent. Even UUS PT Bank Sulselbar received an award as one of the best in Indonesia Sharia Division. It also gives meaning to the people of South Sulawesi responded Islamic banking services and other Islamic financial institutions.
Progress has been made also indicates a spiritual awareness and understanding of the principles of sharia, and the factors contributed to eat it. Among them: 1) increase the income of the business activities of sharia, 2) increasing the ability of Islamic banks to build strong partnerships and synergy among Islamic banking to contribute in strengthening the structure of the economy, create jobs and reduce poverty. Behind the progress that has been achieved, there is still a recognized course of things need attention, both in terms of internal and external. From the internal side is closely related to the improvement of SDI, IT development and refinement and dissemination strategy to provide confidence and awareness in the use of facilities in the Islamic banking products. Then optimize the role of Micro, Small and Medium Enterprises through empowerment and development, directed according to the principles of sharia.
Progress has been achieved Sharia system and the failure of the capitalist and socialist systems serve as a lesson to undertake redesign of the critically-resistant system. Countries that non-Muslim majority was currently developing systems through the application of sharia Islamic finance industry growing so fast. Indonesia with a Muslim majority with natural resources and human potential is the rise of Islamic economic opportunities as a pillar of the nation's economy. Particularly in South Sulawesi, is known as an area of potentially high economic structure, giving the sense of Islamic banking contributed enough in pushing sektorriil. Although it is recognized that the financing of Islamic banking is still dominated by the financing is still consumptive nature. But progress has been achieved grateful demonstrated, 11 Islamic banks in the prospective South Sulawesi. As of June 2012, the BI Makassar in 2012, Islamic banking assets reached Rp3, 68 trillion or 54.63 percent. Then FDR reached 213.05 percent and NPF was only 1.6 percent the previous (June 2011) reached 2.48 percent. Even UUS PT Bank Sulselbar received an award as one of the best in Indonesia Sharia Division. It also gives meaning to the people of South Sulawesi responded Islamic banking services and other Islamic financial institutions.
Progress has been made also indicates a spiritual awareness and understanding of the principles of sharia, and the factors contributed to eat it. Among them: 1) increase the income of the business activities of sharia, 2) increasing the ability of Islamic banks to build strong partnerships and synergy among Islamic banking to contribute in strengthening the structure of the economy, create jobs and reduce poverty. Behind the progress that has been achieved, there is still a recognized course of things need attention, both in terms of internal and external. From the internal side is closely related to the improvement of SDI, IT development and refinement and dissemination strategy to provide confidence and awareness in the use of facilities in the Islamic banking products. Then optimize the role of Micro, Small and Medium Enterprises through empowerment and development, directed according to the principles of sharia.