Why market share of

islamic banks is so small

in indonesia
Bianca Shopa Ul-muntajah 20180730109

Listianingsih 20180730105

Lutfi Larasati 20180730111

Miftakhul Elmi Nafiana 20180730116

Retno Ayu Hapsari 20180730134

1. What is the main problem faced by
islamic banks in indonesia?

Answer :
1. lack of assets
2. lack of being given ojk and government
in building the financial industry
3. Islamic bank products that are not varied
and connot be accessed by the public.
Access to islamic bank funding is still
lacting in certain sector, particularly
infrastructure, agriculture, maritime
arrairs, and plantation.
4. Inadequate quality of human resources
in islamic banking
5. Public understanding and awarenes of
sharia banking that is still lacking.
 2. Why islamic banks
are not populer in
indonesia?

• Answer : there has not been enough effort to adequately

explain what Islamic banking is, customers also often consider
the services of Islamic banks to be expensive, customers
complain about each other's long and complicated bureaucratic
transactions.
3. What is the first reason that causes the
problem faced by islamic bank
indonesia ? explain

There was no attecmpt to explain in detail what is

islamic banks due to the lack of telet possesed by
banker in islamic banks, most of them hed the
same telent as those in convetional banks. So
most of them use the language commonly used,
namely convetional language. Based explain
islamic finance requires adequate knowled about
fiqh muamalah and for peole who does have
adequate about fiqh muamalah are difficul to
undertand the language of islamic finance
 4. What is the second? explain

Answer :
1. As with conventional banks and islamic banks are still difficult to
access for their products.
2. Such a participation arises because , unlike borrowing and lending
activities of con vetional banking, islamic product are mostly based on
treding contracts, in which the banks sell and custemer buys. This sell-
buy activity evokes costs, such as texes and other legal fees that
consequently add up the transection costs
 5. What is the third
problem? explain

Answer :
Islamic finance has not operated at
the same level as convetional as in
capital custemer, in convetional
bank the public is more interested in
investing in convetional banks than
the bank sharia as well as the tax.
6. Do you think that islamic banks in indonesia can
have a better future? Explain why you think it
can of it cannot?

Answer :
You can, because people in
indonesia are mostly muslim and
recently there are many university
and higher education institutions
that develop islamic finance
programs especially among the
people.
 7. What are some soluation that you
can offer to handle these problem?

1. In the level of higher

education intituation
in islamic economic
2. The socialzation of
the community
about islamic
economic
3. Syaria banks are
populer
Thank you