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In Islamic finance, as an intrinsic value of money, is only a medium of exchange. Benefits and interest in Islamic finance and conventional finance as a fundamental difference. Money talks or documents the benefits that interest is forbidden in Islam represented won. Therefore, Islam is always on the financing illiquid assets, forms the basis of real estate and stocks.

State Bank of Islamic banking and interest-based banking side to side to promotion. PA's Sharia Supervisory Committee (SCC) in 2003, a parallel banking system has not announced the policy is approved. However, SCC has not revealed the fact that the exact position on this issue has not been announced.

Islamic banking system is an alternative to banking interest. Therefore a separate Islamic banking. The basics of banking system are different. Funding under the ideal form of Islamic banking system financing (PLS) is the basis of revenues. The benefits obtained by IBIS, should be shared between the bank and depositors, in case of loss the contrary. In contrast, the employer / depositor investors / fixed rate is the fact that the huge profits the bank makes it unfair to all stakeholders should be independent. Islamic banking system services / banking earned by all participants to ensure fairness in the distribution of the loss.

Unfortunately, most Islamic banks are in parallel with conventional banking. That is, PLS has adopted the method of financing fixed rate of no return. Financing under Islamic banking system is based on real mode Mudarabah Musharakah and PLS.allows

Islamic banking Shariah, truest sense is not. However, Shariah consultant certifies that the Bank in accordance with Sharia rules and principles of Islamic banking division of the cases reported in the annual accounts, etc. are performed