TOWARDS AN IDEAL BALANCE OF ISLAMIC BANKING PRODUCTS PORTOFOLIO THE CASE OF SHARIA BANK INDUSTRY IN INDONESIA
ADNAN, MUHAMMAD AKHYAR
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The Islamic Banking Industry is growing rapidly in many countries , yet some important problems are yet to be faced. This includes the perceptions of same Muslim societies towards Islamic banking operations, accounting issues and particularly , in regard to the industries product portofolio. In the case of Indonesia- but perhaps also in the larger context-there has been concerns raised about the imbalance of product portofolio [Adnan 2003; 2005, Tohirin 2003, Muhammad 2005]. It is commonly known for example that the murabaha product has dominated product portofolio since the beginning of the industry's operations. Although this issues is not related to fiqh concepts, many are concerned that product portofolio imbalance will cause an unevenness . In other words, the situation will not reflect the notion of an Islamic economics concept, which is concerned about balance and harmony among all economic sectors.