IMPLEMENTATION AND DEVELOPMENT OF DUAL BANKING IN INDONESIAN BANKING SYSTEM

The main characteristic of a bank with dual banking system is the implementation of two banking systems (conventional and sharia) side by side in serving the national economy whose implementation is regulated in various regulations. Carrying out banking transactions or general economic activities in line with Sharia principles and values, on the one hand, is seen as a development interest for the availability of access to banking services for segments of society that have not been served by banking services. This could be able to increase the mobilization of public funds as long as it has not been touched by the conventional banking system. The advantages of operational systems and sharia banking products include prioritizing the importance of morality, justice and transparency issues in the operational activities of sharia banking with a system of profit sharing and risk sharing