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After the Act No. 21 year 2008 has been legalized, shariah banking industries will grow rapidly. The content of rules ise possible to push the growth of shariah banking in Indonesia. But in the fact, there are some important thing related to instrument and shariah banking product showsn less ideal in this banking industries. The article below tries to find and predict deeper about condition of shariah banking in Indonesia after the Act No. 21 year 2008 has been formalized. The result revealed that after the rules
had been existed, in short term we can not see the positive effect, significantly. In other case, we find a lot of thing that not come from genuine shariah banking, that in the future will have negative impact in the long term, such as: SBI Shariah instrument, shariah credit card, the domination of non PLS and other thing else.

Keywords: Perbankan Syariah, UU 21 Tahun 2008, tinjauan kritis, dan industri.

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