• Development of Indonesian Exports        1
• Developments of Imports        3
• Indonesia's imports of  non-oil/gas by countries of origin        5
• Deficit feared in trade balance in 2009        6

• Backgrounds        7
• Characteristic of Products        8
• Principle of Al-Murabahah        9
• Development of sharia general banks        9
• Sharia Business Unit  (UUS)        10
• Sharia networks (channeling office)        11
• Total assets up  34.1% per year        13
• Third Party Funds up 32.8%        13
• Sharia financing growing though slower        15
• Non Performing Financing        16
• The market share target of 5% yet to be achieved        17
• New Investment        17
• Sharia banks business flourishing        19
• Main players in sharia banking        20
• Competition and marketing strategy        24
• Government Policy        27
• Conclusion        28

• Introduction        30
• Improvement of banking instruments continues        31
• Performances of Indonesian banks        32
• Capital Adequacy ratio (CAR)        36
• Third party funds (DPK)  growing        37
• Credits growing more than 20%        38
• Investment Credits  Growing        42
• Loan Ratio rose        43
• Interest income growing        44
• Saving and lending concept growing        47
• Competition in micro banking sharper        49
• Prospects and Conclusion        50

• Backgrounds        51
• Financial service        52
• Television Broadcasting Service        54
• Property        54
• Fashion and Restaurant  Business        55
• Tour and travel        55
• Agribusiness        55
• Electricity Infrastructure        56
• Other Businesses        56
• Financial performance        57

• Bancassurance premium valued at  Rp 10 trillion        60
• Banks show growing interest        61
• Cooperation systems        63
• Main Players        64

• Introduction        68
• Consumer credits growing        68
• Non KPR consumer credits        69
• Banks increase offers of  credits for individuals        70
• Number of cards in circulation 11.5 million in 2008        70
• Credit cards used mainly for shopping        72
• Early 2009 transactions  sluggish        72
• Credit card  NPL high        73
• Prospects and Conclusion        74

• Ancora plans to acquisition in energy sector        75
• Rio Tinto to go ahead with nickely venture        75
• Antam sets aside US$35 mln to start work in cibaliung gold mine        75
• Perum pegadaian to issue bond        76
• Humpuss sets aside US$150 million for capital expenditures        76

• Tariff harmonization postponed        77
• Asean investors allowed to own 51% of Indonesian airports.        77
• Plan to impor urea fertilizer  criticized.        77
• Asean investors may own 51% of shipping and port companies.        77
• Restriction proposed on foreign investment in food sector.        78

• Directory of Banking companies in Indonesia        79

• Economic Indicators        81
• Export and import        82
• Gross Domestic Product        83
• Oil Price and Foreign Exchange        84
• The Indonesian Economic Trends        85