ADINUGRAHA'S PERSPECTIVE ON THE DEVELOPMENT OF COTEMPORARY SHARIA BANKING IN INDONESIA

Islamic banking has a unique position compared to conventional banks, namely the permission for Islamic banks to carry out business activities that are multi-finance and trade (trading) through buying and selling contracts. But unfortunately, this uniqueness is dominantly applied in the collection of Islamic banking funds. Whereas there are other things that are more urgent, namely the khitthah of Islamic banking as a profit-sharing bank, not only in raising funds but also in financing, which is actually widely accessed and needed by the lower middle class. Islamic banking in carrying out banking operational activities is not only for business purposes, in the form of material benefits, but also pursuing happiness in the hereafter. For this reason, the authors analyze Adinugraha's thoughts on sharia banking in Indonesia, where Islamic banks in carrying out banking operational activities not only based on banking provisions in general but also based on sharia provisions. Islamic banks must obey the sharia principles that are implemented from establishment to their operations