This study aims to examine the level of efficiency of 115 commercial banks in Indonesia for the period between 2010 and 2016. We use basic models of Data Envelopment Analysis (DEA) consisting of CCR (Charnes Cooper Rhodes) and BCC (Banker Charnes Cooper) models. This study also investigate the value of productivity of each bank which is then compared. The study finds that commercial banks in Indonesia exhibit an increase in productivity although it is relatively small. The stagnation of the level of productivity is due to the low level of technological change (technological change) rather than a decrease in efficiency (Efficiency change). Another interesting finding is that around 70 percent of the hypothetically relative credit market share in Indonesia is controlled by only 29.56 percent of commercial banks. This also means that around 30 percent of the remaining credit market share is contested by the rest of other banks.

Waqf is one of the Islamic law that concern people’s lives which is has a function for the community interest to obey to Allah SWT. In practice, waqf in Indonesia faces many hard problems, because commonly known as non-productive waqf. This research is aim to identify the priority factors that being a barrier to develop the practice of cash waqf on Small Medium Enterprises (SME) financing through Islamic Cooperation in Indonesia using Analytic Network Process (ANP) method.  The result shows that the problems appeared in managing cash waqf in Indonesia divided into two important aspects; there is an internal and external aspect. The rank for most priority problems in inner aspect to less priority based on the priority result is the accountability aspect, human resources, and institutional challenge. The position for external issues based on the priority result is authority aspect and public aspect.

In order to create a comprehensive policy, waqf institutions should determine the view of waqif [someone who takes waqf] related to which sector should be the priority of Indonesian waqf development in the future. This research would determine the preference of waqif related to the Indonesian waqf development in the future. This research used Analytic Network Process (ANP) method which was developed by Thomas L. Saaty to identify priority rank of waqf development. Based on the analysis result, it could be seen that the most prioritize of Indonesian waqf development was on the education sector. Waqif tended to trust waqf institution which have been actively involved in the education sector. It showed that education sector was the most important sector in Indonesia. Beside education, the second important ranked sector was the health sector. Beside waqf development sector, analysis result found that priority of Indonesian development waqf was more to the cash waqf. It showed that the cash waqf was viewed to be more important to be developed in Indonesia because the waqf property was liquid (in cash money).

The research was aimed to know the causality relations among the variables of economics growth, job opportunity, and people prosperity on the Islamic banking growth in six provinces in Java island. There was a phenomenon that during 2009 until 2018, the Indonesia economics growth was high meanwhile the Islamic banking growth grew insignificantly. The method used in the research was panel data analysis with the approach of fixed effect method. Meanwhile, data used in the research was secondary data. From the regression test result, it showed that there was a significant influence among the economics growth, job opportunity and people prosperity on the Islamic banking growth in six provinces in Java island.