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Perkembangan perbankan syariah di Indonesia secara garis besar dapat dibedakan menjadi tiga tahap, yakni tahap pengenalan (introduction phase), tahap pengakuan (recognition phase), dan tahap pemurnian (purification phase). ketiga tahap dimaksud masing-masing didukung dengan regulasi yang secara gradual semakin memperkuat eksitensi dan operasional industri perbankan syariah dengan munculnya kebi…
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