The number of sharia banking customers reach

23.18 million at the end of August 2018.

According to Kariastanto, there are at least four possible reasons
why the market share of Islamic banks is still small in Indonesia.

1. The lack of Muslim awareness about Islamic banks.

2. The infrastructure and quality of Islamic banks are significantly
less than conventional banking.
3. conventional banks have non-technical advantages compared
to Islamic banks. As a result, the benefits of sharia banking that
can meet wider demands, namely sharia and conventional
services are not achieved.
4. The lack of full support from the government for Islamic
banking. That is proven by the absence of a single rupiah of state
money entrusted to Islamic banking.