| Abstrak/Abstract |
In this article the author traces the historic development of Islamic or sharia banking in Indonesia and this will be done by analyzing the evolution of a series of successive laws promulgated over time. From these laws (Law Nos. 7/1992; 10/1998 and 21/2008) we can discern, how over the years, the Indonesian government gradually accept and recognized sharia banking principles, resulting in the establishment of Sharia Banks alongside conventional Banks. These successive laws also shows the gradual process of policy changes which involves a top-down, bottom up and again a top down approach. Through this process, Sharia Banks develops in Indonesia and has been able to meet society’s need not only for a modern banking system, but also more importantly, providing banking services in line with the sharia.
Tulisan ini akan menelaah sejarah perkembangan perbankan syariah di Indonesia dengan menelusuri rangkaian peraturan perundang-undangan yang melandasinya. Dari sejumlah peraturan perundang-undangan yang berturut-turut muncul (UU No. 7/1992; UU No. 10/1998 dan UU 21/2008) dapat kita cermati perkembangan pengakuan dan penerimaan perbankan syariah di Indonesia. Tahapan perkembangan ini sekaligus menunjukkan pengembangan kebijakan pemerintah yang bersifat top-down, bottom up dan top-down secara simultan. Melalui tahapan-tahapan ini pada akhirnya di Indonesia berkembang sistem perbankan syariah yang yang mampu memenuhi kebutuhan masyarakat tidak saja akan jasa perbankan modern, namun jasa perbankan yang memenuhi prinsip syariah. |
