Conventional economic or capitalist economic system gradually began to unfold was not able to answer the challenges of the times. In fact, the capitalist economy is likely to mislead and afflict many people.
In a controversial book, The Confessions of An Ecenomic Hit Man, John Perkins, a secret agent made a surprising confession. Perkins turned out to be assigned, according to the term as a civilian economy with the mission of subduing the world leaders for the benefit of the American economy. He became connectors to provide debt through the financial institutions world kepad developing countries that have natural resources, including of course Indonesia. Debt with capitalist economic practices usury system is filled completely ensnare many Negar so that ultimately must be subject to political and economic policies creditor countries.
Slowly but surely, the spirit of resistance was beginning to grow. The most powerful weapon is the Islamic economic system, a system that ijalankan on the basis of mutual helpfulness, encouragement, and mutual trust. Spirit sharia economy that had grown in Asian countries and then mounting the establishment of the Islamic Development Bank (IDB) in 1975 (based proxies Jeddah) that offer Islamic banking system is much more secure than the Worl Bank and International Monetary Fund (IMF).
In Indonesia in 1992, Bank Muamalat stand which was the forerunner of Islamic banks in Indonesia. At that time the development and growth of Islamic banks is so slow. However, after the monetary crisis in 1997 -1998, development dab growth of Islamic banks rocketed up to the boom in the 2000s with a number of banks establish Islamic branches of conventional banks.
This development also received attention dai economic figures of non-Muslims in Indonesia. Hermawan said Kartajaya a marketing specialist, marketing spiritual system evolved since humans began jenih with kapatalisme system. We both know that the capitalist system is concerned with profit-oriented, it does not always bring benefits. Precisely during the crisis of 1998, conventional banking in Indonesia is the hardest hit.
Sharia economy emerged as a response to concerns about the practice of usury in conventional banks. There are many examples of successful companies with this Islamic system. Bank Muamalat Indonesia, for example, the bank proved to withstand the shocks of the crisis that bankrupted the Indonesian banking sector at this time.
Now it has been crowded world eager to adopt Islamic economic system in its economic practices. Inspiration beginning it has started in Malaysia, Pakistan, and Egypt who scored a success with the establishment of Local Mit Ghamr Savings Bank.
Middle eastern countries, bleak Pakistan, Iran and Sudan have embraced the country’s financial system full of sharia alias nirbunga. Then, following the Western countries bleak Denmark who founded The Islamic Bank International of Denmark in 1983 which was recorded as the first Islamic bank in Europe.
The first milestone in asia plugged in Malaysia with the establishment of Bank Islam Malaysia in 1983. Indonesia in 1991 stood at Bank Muamalat Indonesia, which was officially commissioned in 1992.
Now, in Indonesia alone until the end of 2008, there are five Islamic banks, namely Bank Muamalat Indonesia, Bank Syariah Mandiri, Bank Syariah Mega Indonesia, Bank BRI Syariah and Bank IFI. Then, by the end of 2008, there are 30 Islamic business units in conventional banks such as BNI Syariah, Bank IFI Syariah BRI Syariah, Bank Bukopin Syariah, BII Syariah, Bank Danamon Syariah and Bank CIMB Niaga Syariah. Foreign banks are opening sharia units in Indonesia is also growing among them HSBC and ABN Amro Islamic Sharia.
Not only in the case of banking, the economy is also applied sharia, sharia economy is also applied in the field of insurance, financing and pawn shops, hotels and retail businesses. In the insurance sector, along with increased insurance awareness in society, Islamic insurance also experienced significant growth.