Sukuk are securities issued under sharia principles, as evidence of the participation in Islamic Sovereign Sukuk (SBSN) assets, either in rupiah or foreign currency. Sukuk is a proportional representation of ownership of an asset for a certain period of time with risksand returns associated with cash flow through underlying asset in the hand of investors. This paper describes the overview of the role of sukuk in infrastructure financing in Indonesia. Sukuk has played a significant role for infrastructure development in Indonesia. Indonesia's infrastructure budget allocation gradually increased. A number of projects listed in the Anggaran Pendapatan dan Belanja Negara (APBN) are selected specially financed by sukuk. Since the issuance of project financing sukuk has doubled until this year. This is an important concern for the government that sukuk turned out to be an important financial instrument in Indonesia's infrastructure development.

This study aims to determine whether there is influence of capital adequacy ratio (CAR) to return on assets (ROA) at Islamic Bank in Indonesia period of year 2012 until year 2016. The sample in this research is 9 Sharia Commercial Bank. This research type is quantitative research by using secondary data obtained from annual financial report of Islamic Bank and relevantjournals. The analysis technique used is simple regression analysis. Based on the results of the study, it is known that the ratio of capital adequacy ratio (CAR) has a significant effect on profitability (ROA ratio) in Islamic Bank. The result of t test was significant with value 0.003 <0.05, which mean that the significant level is smaller than the alpha level of 0.05 which mean the relationship or the influence of the CAR ratio (X) to the ratio of ROA (Y). From the results of the analysis, sharia banks need to consider the CAR ratio as an indicator of capital adequacy. Thus, policy making in management is better to improve the profitability of Islamic Bank.

Undang-undang Perbankan Syariah No. 21 Tahun 2008 menyebutkan bagi Bank Umum Konvensional (BUK) yang memiliki Unit Usaha Syariah (UUS) dengan nilai aset telah mencapai paling sedikit 50% dari total nilai aset bank induknya atau 15 (lima belas) tahun sejak berlakunya Undang-undang wajib menjadi Bank Umum Syariah (BUS). Dalam Roadmap Pengembangan Perbankan Syariah Tahun 2020-2025 terkait Perizinan, Pengaturan dan Pengawasan, OJK tidak menjelaskan kesiapan UUS untuk spin off dari Bank Induk Konvensional menjadi BUS. Penelitian ini bertujuan mengkritisi kebijakan pemerintah terkait perubahan UUS menjadi BUS, serta memberi masukan untuk merevisi Undang-undang Perbankan Syariah terkait perubahan UUS menjadi BUS. Penelitian ini menggunakan metodologi penelitian kuantitatif dengan pendekatan deskriptif. Hasil Penelitian menunjukkan bahwa Unit Usaha Syariah (UUS) bisa berubah menjadi Bank Umum Syariah (BUS) pada tahun 2034 bukan pada tahun 2023. Peraturan dan regulasi terkait teknis operasional persiapan transmisi pemisahan UUS menjadi BUS, perlu diperkuat kembali dan dipertegas dengan peraturan yang baru. [Sharia Banking Law No. 21 of 2008 states that Conventional Commercial Banks (BUK) that have Sharia Business Units (UUS) with asset values have reached at least 50% of the total asset value of their parent bank or 15 (fifteen) years since the enactment of the Law are obliged to become Commercial Banks. Sharia (BUS). In the 2020-2025 Sharia Banking Development Roadmap related to Licensing, Regulation and Supervision, OJK did not explain the readiness of UUS to spin off from a Conventional Parent Bank to become a BUS. This study aims to criticize government policies regarding the change of UUS to BUS, as well as to provide input for revising the Sharia Banking Law regarding the change from UUS to BUS. This research is a quantitative research with a descriptive approach. The results showed that the Sharia Business Unit (UUS) could turn into a Sharia Commercial Bank (BUS) in 2034 instead of 2023. Regulations and regulations related to the technical operational preparation for the transmission of separation of UUS into BUS, need to be strengthened and reinforced with new regulations.]

<p><em>This study aims to determine the effect of growth in Islamic insurance on economic growth. By using secondary data sources, secondary data in the form of total Islamic insurance assets during 2015-2017 originated from the report of the Non Islamic Bank Financial Industry in the official website. This study analyzes the influence of the growth variables of Islamic insurance on economic growth. With the Independent variable in this study is the growth of Islamic insurance with total assets as an indicator (X). And the dependent variable in this study is Indonesia's economic growth using the indicator Gross Domestic Product (GDP) or Gross Domestic Product (GDP) (Y). The results of the study show that the growth variables of Islamic insurance have an effect on Indonesia's economic growth.</em><em></em></p>

This study aims to find out how analytical tools and SWOT analysis use M-Banking in Islamic Banking in Indonesia.Type of research in this study is descriptive literature research that describes the object under study by giving description of the problem that has been identified. This study describes data that has been collected, then drawn conclusions about the analytical tools and SWOT analysis using the M-Banking application on Islamic banking in Indonesia. The sampling technique is purposive sampling, the authors only use three Islamic Commercial Banks which are used as research samples, namely Bank Syariah Mandiri, Bank Rakyat Indonesia Syariah, and Bank Negara Indonesia Syariah. Collecting data method using structured interviews.The results of analitycal tools for using M-Banking in Islamic banking in Indonesia: Usefulness, benefits that can be felt by customers after using M-Banking, there are transfer, purchase, payment, account information, and Islamic content services. Easy of use (ease), the ease of the customer in using M-Banking with an easy registration process. Security (security), Islamic banking in Indonesia continues to develop technology to maintain data security and customer transactions. Reliability (reliability), M-Banking reliability can be accessed anywhere and is easy to use. Stability, the stability of Islamic banking M-Banking services continues to be developed in line with the development of banking technology. While, The results of the SWOT analysis are, Strengths: save money, save time, interesting features, easy to operate, easy to download, attractive promotion, Islamic content info. Weaknesses: speed of data access is slow, customer data security, network limitations, not all customers understand M-Banking. Opportunities: the development of performance, functions and server bandwidth has to increase, and the development of M-Banking technology so that it can make international transaction. Challenges (Threats): interbank competition, confidentiality of customer data, ease, effectiveness and efficiency of M-Banking services, improvement of M-Banking service functions and performance.