This level of FRD has placed Indonesian shariah banks high in the ranks among shariah banks in any country in the world. This level of FDR is even higher than the level of conventional bank which only reached 50%. However, with market share still around the 1% mark, sharia banking has not yet reached the point of providing a significant contribution to the economy.
Nevertheless, with the record achieved so far shariah banks have demonstrated the viability of alternative financing to the public. However, with the brisk growth achieved in recent years, the sharia banking industry has vividly demonstrated its capacity to offer an alternative avenue for financing to the small and medium-sized enterprises (SMEs).