ABSTRACT THIS RESEACRH DISCUSSED THE DEVELOPMENT OF BANK OF

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Curriculum Vitae Name

Ascarya Male; May 20, 1962

Position

Senior Researcher, Center of Education and Central Banking Studies, Bank Indonesia; Address: Jl. M.H. Thamrin 2, Sjafruddin Prawiranegara Tower, 20th fl., Jakarta 10350, Indonesia; Phone: 6221.381.7345; Fax: 6221.350.1912; Email: [email protected]; [email protected]

Education PhD Candidate in International Development (2002), University of Pittsburgh, USA; MSc in Management Information System (1994) and MBA in Finance (1993), University of Pittsburgh, USA; Industrial Engineer (1987), Bandung Institute of Technology, Indonesia.

Training

Islamic Markets Programme (2006), Securities Industry Development Centre, Securities Commission, Kuala Lumpur, Malaysia, July; Various Islamic Courses (2005), University of Indonesia; Training on the Fundamentals of Islamic Banking (2004), Bank Indonesia, July; Fundamental of Credit Analysis, Euromoney Institute (1991), Jakarta.

Teaching International and National Programs of Doctoral (PhD) and Post Graduate (Master) Programs at Islamic Economics and Finance (IEF), Trisakti University, Jakarta, Indonesia, 2005 – now; Under Graduate Program at TAZKIA Islamic Business School, Bogor, Indonesia, 2007 – now; Visiting Speaker on Islamic Economics, Finance, and Banking, in several Universities, 2005 – now; Trainer on Islamic Economics, Finance, and Banking, Bank Indonesia, 2005 – now; Trainer on Analytic Network Process (ANP), 2005 – now.

Writings International Publications 1. Developing Islamic Bond Markets: Lessons from Asia and the Pacific, BIS Publication, 2009, forthcoming 2. The Competitiveness of Islamic Banks within Indonesian Dual Banking System, in USIM [ed.] (2008), Selected Readings in Islamic Economics, Malaysia: USIM, forthcoming 3. Comparing the Development of Islamic Financial/Bond Markets in Malaysia and Indonesia, in Salman Syed Ali [ed.] (2008), Islamic Capital Markets: Product, Regulation and Development, Chapter 20, Jeddah: IRTI, IDB.

Journals 1. Measuring the Efficiency of Islamic Rural Banks in Indonesia using Two Stage DEA Approach, forthcoming 2. The Determinants of Inflation under Dual Monetary System in Indonesia, forthcoming 3. Measuring the Efficiency of Conventional and Islamic Banks in Indonesia using Parametric and Nonparametric Approaches, forthcoming

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4. Menuju Sinergi Optimal Kebijakan Moneter dalam Sistem Keuangan/Perbankan Ganda, Jurnal Ekonomi dan Bisnis Indonesia, Vol. 24, No. 1, January 2009. forthcoming 5. Efficiency Analysis of Islamic and Conventional Banks in Indonesia using Parametric SFA and DFA Methods, Journal of Islamic Business and Economics, Vol. 2, No. 2, 2008. forthcoming 6. Comparing Monetary Policy Instruments under Dual Financial System: Interest System vs. Profit-and-Loss Sharing System, Journal of Islamic Business and Economics, Vol. 2, No. 1, 2008. 7. Comparing the Efficiency of Islamic Banks in Malaysia and Indonesia, Buletin Ekonomi, Moneter dan Perbankan, Bank Indonesia, Vol. 11, No.2, October 2008. 8. Perilaku Permintaan Uang dalam Sistem Moneter Ganda di Indonesia, Buletin Ekonomi, Moneter dan Perbankan, Bank Indonesia, Vol. 11, No.1, July 2008. 9. Perilaku Agregat Moneter dalam Sistem Keuangan/Perbankan Ganda di Indonesia, Jurnal Ekonomi dan Bisnis Indonesia, Vol. 23, No. 2, April 2008. 10. Measuring the Competitiveness of Islamic Banking in Indonesian Dual Banking System, TAZKIA Islamic Finance and Business Review, Vol. 2, No. 2, December, 2007. 11. Redefine MSMEs Credit Limits and the Potency of BMTs as Intermediary Institutions in Indonesia”, Jurnal Ekonomi dan Bisnis Islam, Vol. II, No. 3, December, 2007. 12. Pemetaan Potensi Perbankan Syariah di Indonesia dan Strategi Pengembangannya, TAZKIA Islamic Finance and Business Review, Vol. 2, No. 1, June, 2007. 13. Analisis Efisiensi Perbankan Syariah di Indonesia dengan Data Envelopment Analysis, TAZKIA Islamic Finance and Business Review, Vol. 1, No. 2, December, 2006. 14. Mencari Solusi Rendahnya Pembiayaan Bagi Hasil di Perbankan Syariah Indonesia, Buletin Ekonomi Moneter dan Perbankan, Bank Indonesia, Vol. 8, No. 1, June, 2005. 15. Utang Pemerintah dan Kesinambungan Fiskal, Jurnal Ekonomi dan Kewirausahaan, ISEI Bandung, Vol. III, No. 1, January, 2004.

Working Papers 1. Alur Transmisi dan Efektifitas Kebijakan Moneter Ganda Terhadap Perbankan Ganda di Indonesia, 2009. forthcoming 2. Formulasi Stabilitas Sistem Keuangan Ganda di Indonesia, 2009. forthcoming 3. The Lack of Profit-and Loss Sharing Financing in Indonesian Islamic Banks: Revisited, 2009. forthcoming 4. Measuring the Efficiency of Islamic Rural Banks in Indonesia using Two Stage DEA Approach, 2009. forthcoming 5. The Determinants of Inflation under Dual Monetary System in Indonesia, 2009. forthcoming 6. Dampak Suku Bunga Kebijakan terhadap Suku Bunga Perbankan Indonesia dan Perbandingannya dengan Negara Lain, 2008. 7. The Profile and Role of Baitul Maal wa Tamwil as an Alternative Source of Financing for MSMEs in West Java, 2008. 8. Towards Integrated Monetary Policy under Dual Financial System: Interest System vs. Profit-and-Loss Sharing System, 2007. 9. Measuring the Efficiency of Conventional and Islamic Banks in Malaysia and Indonesia using Parametric and Nonparametric Approaches, 2007. 10. Comparing the Development of Islamic Financial/Bond Markets in Malaysia and Indonesia, 2007. 11. Comparing the Efficiency of Islamic and Conventional Banks in Malaysia and Indonesia, 2006.

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12. Paradoks Pertumbuhan Ekonomi dan Pengangguran: Eksistensi, Implikasi, dan Solusi, 2006. 13. Potensi dan Strategi Pengembangan Perbankan Syariah di Indonesia, 2005. 14. Analisis Efisiensi Perbankan Syariah di Indonesia, No. WP/05/01, 2005. 15. Dominasi Pembiayaan Nonbagi Hasil Di Perbankan Syariah Indonesia: Masalah dan Alternatif Solusi, No. WP/04/02, 2004. 16. Utang Pemerintah dan Kesinambungan Fiskal, 2003.

Occasional Papers 1. Lessons Learned from Previous Financial Crises: A Holistic Resolution Approach, forthcoming 2. Analytic Network Process: Pendekatan Baru dalam Penelitian Kualitatif Kebijakan Moneter dan Perbankan, forthcoming 3. Sinergi Sistem Keuangan Konvensional dan Sistem Keuangan Islam, No. OP/06/01, 2006.

Books 1. Sukuk: Konsep dan Aplikasinya, Jakarta, Indonesia: xxxxx. forthcoming 2. Pengantar Ekonomi Islam (2009), Jakarta, Indonesia: xxxxx. forthcoming 3. Perbankan Syariah dan Kesejahteraan Masyarakat, in Bank Indonesia di Tengah Dinamika Perekonomian Nasional (2009), Jakarta, Indonesia: Rajawali Pers. forthcoming 4. Paradoks Pertumbuhan dan Pengangguran, in Bank Indonesia di Tengah Dinamika Perekonomian Nasional (2009), Jakarta, Indonesia: Rajawali Pers. forthcoming 5. Mencari Bentuk Sinergi Optimal Sistem Keuangan Konvensional dan Sistem Keuangan Islam, in ISEI (2009). Ekonomi, Keuangan, Manajemen dan Perbankan Syariah (2009), Jakarta, Indonesia: ISEI, pp.197-224. 6. Stabilitas Moneter pada Sistem Keuangan/Perbankan Ganda di Indonesia, in ISEI (2009) Ekonomi, Keuangan, Manajemen dan Perbankan Syariah (2009), Jakarta, Indonesia: ISEI, pp.175-196. 7. Akad dan Produk Bank Syariah (2007), Jakarta, Indonesia: Rajawali Pers. 8. Perkembangan Perbankan Syariah di Indonesia, in Perbankan di Indonesia (2005), Jakarta, Indonesia: Bank Indonesia. 9. Bank Syariah: Gambaran Umum (2005), Jakarta, Indonesia: Bank Indonesia. 10. Kelembagaan, in Bank Indonesia: Bank Sentral Republik Indonesia-Sebuah Pengantar (2004), Jakarta, Indonesia: Bank Indonesia. 11. Kebijakan Sistem Pembayaran, in Bank Indonesia: Bank Sentral Republik IndonesiaSebuah Pengantar (2004), Jakarta, Indonesia: Bank Indonesia. 12. Kelembagaan Bank Sentral (2003), Jakarta, Indonesia: Bank Indonesia. 13. Kebijakan Sistem Pembayaran di Indonesia (2003), Jakarta, Indonesia: Bank Indonesia. 14. Kelembagaan, in Bank Indonesia: Bank Sentral Republik Indonesia (2003), Jakarta, Indonesia: Bank Indonesia. 15. Kebijakan Sistem Pembayaran, in Bank Indonesia: Bank Sentral Republik Indonesia (2003), Jakarta, Indonesia: Bank Indonesia. 16. Instrumen-instrumen Pengendalian Moneter (2002), Jakarta, Indonesia: Bank Indonesia.

Proceedings 1. Strategi Pengembangan Lembaga Keuangan Syariah di Indonesia (2006), Bank Indonesia. 2. Mencari Solusi Pembiayaan Bagi Hasil Perbankan Syariah (2005), Bank Indonesia.

International Papers

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1. Towards Integrated Monetary Policy under Dual Financial System: Interest System vs. Profit-and-Loss Sharing System, BIBF-IRTI, Manama, Bahrain (2009). forthcoming 2. Demand for Money and Monetary Stability under Dual Financial System in Indonesia, BIBF-IRTI, Manama, Bahrain (2009). forthcoming 3. The Lack of Profit-and-Loss Sharing Financing in Indonesian Islamic Banks: Revisited, 10th Annual International Symposium on the Analytic Hierarchy Process 2009, Katz Graduate School of Business, University of Pittsburgh, Pittsburgh, Pennsylvania, USA (07, 2009). forthcoming 4. Comparing the Efficiency of Conventional and Islamic Banks in Indonesia using Parametric and Nonparametric Approaches, University of Melbourne, Melbourne, Australia (11, 2008). 5. Measuring the Efficiency of Islamic Banks in Malaysia and Indonesia using Parametric and Nonparametric Approaches, SBP-IRTI, Karachi, Pakistan (10, 2008). POSTPONED 6. Efficiency Analysis of Conventional and Islamic Banks in Indonesia using Data Envelopment Analysis, UNAIR, Surabaya, Indonesia (08, 2008). Did Not Presented 7. Measuring the Competitiveness of Islamic Banking in Indonesia, Faculty of Economics, Trisakti University, Indonesia (11, 2007). 8. Comparing the Development of Islamic Financial/Bond Markets in Malaysia and Indonesia, MI-IRTI-, Indonesia (08, 2007). 9. The Competitiveness of Islamic Banks within Indonesian Dual Banking System, USIM, Malaysia (07, 2007). 10. The Profile of MSMEs in Indonesia and the Strategy to Enhance Islamic Financial Services through BMT, USIM, Malaysia (07, 2007). 11. Optimum Monetary Policy under Dual Financial/Banking System, USIM, Malaysia (07, 2007). 12. Comparing the Efficiency of Islamic Banks in Malaysia and Indonesia, IIUM, Malaysia (04, 2007). 13. Redefine MSMEs Credit Limits and the Potency of BMTs as Intermediary Institutions in Indonesia, UBD-IRTI, Brunei Darussalam (04, 2007). 14. The Lack of Profit and Lost Sharing Financing in Indonesian Islamic Banks: Problems and Alternative Solutions, INCEIF, Malaysia (04, 2006). 15. Comparing the Efficiency of Islamic and Conventional Banks in Malaysia and Indonesia, INCEIF, Malaysia (04, 2006).

National Papers 1. Positioning Analysis of Islamic Bank vis-à-vis Conventional Bank in Indonesia using Parametric SFA and DFA Methods, SBM-ITB (09, 2008). 2. Permintaan Uang dan Stabilitas Moneter dalam Sistem Keuangan Ganda di Indonesia, SBM-ITB (09, 2008). 3. Mencari Bentuk Sinergi Optimal Sistem Keuangan Konvensional dan Sistem Keuangan Islam, ISEI (2007). 4. Stabilitas Moneter pada Sistem Keuangan/Perbankan Ganda di Indonesia, ISEI (2007). 5. Paradoks Pertumbuhan Ekonomi dan Pengangguran, UI-Bank Indonesia (2006). 6. Pemetaan Potensi Perbankan Syariah di Indonesia dan Strategi Pengembangannya, SBMITB (2006). 7. Mengukur Efisiensi Perbankan Syariah di Indonesia dengan DEA, SBM-ITB (2006). 8. Potensi dan Strategi Pengembangan Perbankan Syariah di Indonesia, UNAND (2006). 9. Strategi Pengembangan Bank Syariah di Indonesia Melalui Office Channeling, BNI Syariah (2006).

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10. Comparing Islamic Banking Development in Malaysia and Indonesia: Lessons for Instruments Development, DPM, Bank Indonesia (2006). 11. Penyaluran Dana Bank Syariah, UNS (2005). 12. Penghimpunan Dana Bank Syariah, UNS (2005). 13. Analytic Network Process: Pendekatan Baru dalam Penelitian Kualitatif Bidang Moneter dan Perbankan, IEF-Usakti (2005). 14. Analytic Network Process: Pendekatan Baru Studi Kualitatif, Usakti (2005). 15. Identifikasi Masalah Rendahnya Pembiayaan Bagi Hasil di Perbankan Syariah Indonesia, LPPI (2004).

Periodical Publications 1. Sudah Mampukah Bank Syariah Bersaing dengan Bank Konvensional?, (2008), forthcoming 2. Redefinisi Klasifikasi Kredit UMKM, Republika (12/05/2008). 3. Potensi dan Strategi Pengembangan Bank Syariah, Republika (14/12/2006).

Others 1. Aplikasi Vector Autoregression dan Vector Error Correction Model Menggunakan EViews (2009). 2. Ekonomi, Keuangan, dan Moneter Islam (2007). 3. Ekonomi Syariah Terbit Dari Timur (2004).

Speakers International Conference 1. Joseph M. Katz Graduate School of Business, University of Pittsburgh, 10th Annual International Symposium on the Analytic Hierarchy Process 2009, Katz Graduate School of Business, University of Pittsburgh, Pittsburgh, Pennsylvania, USA, July 29 – August 1, 2009. forthcoming 2. University of Melbourne, “Islamic Banking and Finance: Ethics and Financial Practice in Global Perspective,” University of Melbourne, Australia, November 19-20, 2008. 3. SBP-IRTI, “Third International Conference on Islamic Banking and Finance: Risk Management, Regulation and Supervision,” Karachi, Pakistan, October, 27-28, 2008, POSTPONED. 4. UII-UKM, “International Workshop on Exploring Islamic Economic Theory,” Yogyakarta, Indonesia, August, 11-12, 2008, Did Not Attend. 5. IAEI-UNAIR, International Seminar and Symposium, “On Implementations of Islamic Economics to Positive Economics in the World as Alternative of Conventional Economics System: Toward Development in the New Era of the Holistic Economics,” Surabaya, Indonesia, August 1-3, 2008, Did Not Attend. 6. USIM, Third Islamic Banking, Accounting and Finance Conference 2008, “Financial Intelligence in Wealth Management. Islam Hadhari’s Perspectives,” Kuala Lumpur Malaysia, 29-30 July, 2008, Did Not Attend. 7. Faculty of Economics, Trisakti University, “3rd International Conference on Sustainability in Service Industry”, Jakarta, Indonesia, November, 21-23, 2007. 8. IRTI-MI International Conference on Islamic Capital Markets, Jakarta, Indonesia, August 27-29, 2007 (paper, discussant, chairperson).

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9. USIM Islamic Economics Conference (iECONS 2007): “Comprehensive and Balanced Development among OIC Countries: Cooperation, Opportunities, and Challenges, USIM, Kuala Lumpur, 17-19 July, 2007 (3 papers). 10. IIUM International Conference on Islamic Banking and Finance (IICiBF) “Research and Development: The Bridges between Ideals and Realities”, Crowne Mutiara Hotel, Kuala Lumpur, 23-25 April, 2007. 11. UBD-IRTI International Conference on Inclusive Islamic Financial Sector Development: “Enhancing Islamic Financial Services for Micro and Medium Sized Enterprises (MMEs)”, UBD-IRTI, Empire Hotel and C’try Club, Negara Brunei Darussalam, 17-19 April, 2007. 12. The 4th International Conference on Islamic Economics & Finance and Colloquium: Blueprint of the Ummah in the 21st Century, IEF – Trisakti, Jakarta, Indonesia, December 15-17, 2006 (moderator). 13. INCEIF Islamic Banking and Finance Educational Colloquium “Creating Sustainable Development of Human Capital and Knowledge in Islamic Finance Through Education” INCEIF, KL Convention Center, Kuala Lumpur, Malaysia, April 3-5, 2006 (2 papers).

National Conference 1. Seminar Ekonomi Syari’ah: Ekonomi Syariah Menjawab Tantangan Ekonomi Kapitalis, STAI Al-Hidayah, Bogor, Indonesia, March 26, 2009. 2. RTD PPSK-BI: Stabilitas Sistem Keuangan Ganda di Indonesia: Bagaimana Memformulasi dan Menerapkannya?, Bank Indonesia, March 25, 2009. 3. Seminar Mizan Sharia Consulting: “Dampak Krisis Ekonomi Keuangan Dunia Terhadap Lembaga Keuangan Syariah di Indonesia,” Hotel Sofyan Betawi, Jakarta, February 26, 2009. 4. Workshop: 1) The Determinants of Inflation under Dual Monetary System in Indonesia; and 2) Measuring the Efficiency of Islamic Rural Banks in Indonesia using Two Stage DEA Approach, Bank Indonesia, February 12, 2009. 5. Serial RTD IPEBI Krisis Keuangan Global dan Outlook Perekonomian Indonesia: Tantangan Yang Dihadapi Pegawai Bank Indonesia: “Forgotten Root Causes of the Crises,” Bank Indonesia, January 28, 2009. 6. Seminar Akhir Tahun DPbS: “The Profile and Role of Baitul Maal wa Tamwil as an Alternative Source of Financing for MSMEs in West Java,” December, 2008. 7. Seminar dan Kolokium Nasional Sistem Keuangan Islam II: Perkembangan dan Tantangan Sistem Keuangan Islam di Indonesia Kini dan Hari Esok, SBM-ITB, Bandung, Indonesia, September 6, 2008 (2 papers). 8. Academic Seminar: “Comparing the Efficiency of Conventional and Islamic Banks in Indonesia using Parametric and Nonparametric Approaches” and “Comparing the Development of Islamic Financial/Bond Markets in Malaysia and Indonesia”, FE-UNDIP, July 10, 2008 (2 papers). 9. Workshop: The Profile and Role of Baitul Maal wa Tamwil as an Alternative Source of Financing for MSMEs in West Java, Bank Indonesia, June 11, 2008. 10. Workshop: Towards Integrated Monetary Policy under Dual Financial System: Interest System vs. Profit-and-Loss Sharing System, DPbS, Bank Indonesia, Jakarta, December 17, 2007. 11. Sharia Forum: Measuring The Efficiency of Conventional and Islamic Banks in Indonesia and Malaysia using Parametric and Nonparametric Approaches, DPbS, Bank Indonesia, Jakarta, November, 29, 2007. 12. SIMPONAS Ekonomi Islam III: Akselerasi Pengembangan Keuangan Mikro dan Kewirausahaan Berbasis Syariah dalam Pemberdayaan UMKM, LMFE-UNPAD, Bandung, November, 14-15, 2007.

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13. Seminar Nasional: Tinjauan Terkini: Implementasi System Syariah pada Perbankan terhadap Pertumbuhan dan Stabilitas Ekonomi di Indonesia, HIMEPA FE-Unila, Lampung, August 16, 2007. 14. Workshop: Analytic Network Process (ANP) for Multi Purpose Research, DEPKEU, Jakarta, August, 15, 2007. 15. 2nd Banking Goes to Campus: Indonesian Banking Strategy for AFTA 2010, BEM FEMIPB, Bogor, June 3, 2007. 16. Islamic Economics Seminar: Towards the Gold-Based Monetary System, KSEI FE-UNDIP, Semarang, May 27, 2007. 17. Workshop: Analytic Network Process (ANP): Pendekatan Baru Studi Kualitatif, TELKOM, Bogor, 29-31 Maret, 2007. 18. Workshop: Comparing the Efficiency of Islamic and Conventional Banks in Malaysia and Indonesia, Bank Indonesia, December 21, 2006. 19. Academic Seminar: Fundamentals of Islamic Economics, “Islamic Economics in Theory and Practice”, FE Trisakti, Jakarta, December 9, 2006. 20. Seminar dan Koloqium Nasional: Perkembangan Sistem Keuangan Syariah di Indonesia Kini dan Tantangan Hari Esok, Institut Teknologi Bandung, September 30, 2006 (2 papers). 21. Academic Seminar: “Potensi dan Strategi Pengembangan Perbankan Syariah di Indonesia” and “Analisis Efisiensi Perbankan Syariah di Indonesia”, Universitas Andalas, Padang, July 7, 2006. 22. Academic Seminar: Mencari Solusi Rendahnya Pembiayaan Bagi Hasil di Perbankan Syariah Indonesia, Universitas Brawijaya, Malang, April, 2006. 23. Workshop: Analisis Efisiensi Perbankan Syariah di Indonesia, Bank Indonesia, October, 2005. 24. One-day Seminar: Analytic Network Process: Pendekatan Baru Studi Kualitatif, Graduate Program in Accounting, Economic Department, Trisakti University, Jakarta, January, 2005. 25. Workshop: Dominasi Pembiayaan Nonbagi Hasil di Perbankan Syariah Indonesia: Masalah dan Alternatif Solusi, Bank Indonesia, December, 2004.

Participants International Conference 1. Islamic Financial Services: What Role for Australia? RMIT, Melbourne, Australia, November 21, 2008. 2. Indonesian Islamic Economic Conference, Jakarta, Indonesia, January 17-18, 2008. 3. Islamic Finance Summit Indonesia, Euromoney, Jakarta, Indonesia, September 4-5, 2007. 4. International Roundtable Discussion on Exposure Draft Islamic Banking Blueprint: The Role of Islamic Banking in Achieving a High an Prosperous Indonesian Economic Growth, Bank Indonesia, Jakarta, February 21, 2007. 5. Global Imbalances and Their Impacts on Emerging Market Economies: Issues and Challenges, Bank Indonesia – International Monetary Fund, The Ritz Carlton Hotel, Bali, November 15-16, 2006. 6. The International Conference on Islamic Banking, Capital, and Financial Market & The International Workshop on Sukuk, Grand Hyatt Hotel Jakarta, Indonesia, September 11-12, 2006. 7. Marrying Time Consistency in Monetary Policy with Financial Stability, Bank Indonesia – International Monetary Fund, Nikko Hotel, Denpasar, December 1-2, 2005.

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8. The Sixth International Conference on Islamic Economics and Finance: Islamic Economics and Banking During the 21st Century, Bank Indonesia - Islamic Research and Training Institute – Islamic Development Bank – International Association for Islamic Economics – Universitas Indonesia – Ikatan Sarjana Ekonomi Indonesia, Hilton Hotel, Jakarta, November 21-24, 2005. 9. Kuala Lumpur Islamic Finance Forum, CERT, Mandarin Oriental Hotel, Kuala Lumpur, Malaysia, November 29 – December 1, 2004.

National Conference 1. SUKUK Workshop: Structuring Innovative Sukuks, LOFSA – BI, Bank Indonesia, June 19, 2007. 2. Mencapai Perbankan Syariah 5% di Tahun 2008, LPPI, March 14, 2007. 3. Leadership in Islamic Finance and the New Growth Opportunities for the OIC Countries, LPPI, March 1, 2007. 4. Perkembangan Perbankan Syariah 2006 dan Arah Kebijakan 2007, Direktorat Perbankan Syariah, Bank Indonesia, December, 2006. 5. Public Hearing on the IFSB Exposure Drafts Guiding Principles on Corporate Governance, Bank Indonesia, June 2, 2006. 6. Workshop Perbankan Syariah, Direktorat Perbankan Syariah, Bank Indonesia, December 28, 2005. 7. Pengembangan Industri Perbankan Syariah di Indonesia: Arah Kebijakan dan Harapan Stakeholder, Direktorat Perbankan Syariah, Bank Indonesia, December 26, 2005. 8. Comparison of Islamic Banking Development Strategy: Indonesia and Malaysia, Direktorat Perbankan Syariah, Bank Indonesia, September 16, 2005. 9. Strategi Pengembangan Lembaga Keuangan Syariah di Indonesia, Pusat Pendidikan dan Studi Kebanksentralan, Bank Indonesia, September 15, 2005. 10. Outlook Perbankan Syariah Indonesia 2005: Kebijakan, Pengembangan, dan Prospek, Direktorat Perbankan Syariah, Bank Indonesia, December 28, 2004. 11. Mencari Solusi Rendahnya Pembiayaan Bagi Hasil di Perbankan Syariah Indonesia, Pusat Pendidikan dan Studi Kebanksentralan Bank Indonesia – Lembaga Pengembangan Perbankan Indonesia, LPPI, October 11, 2004.

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