Based on your opinion, how do you think business conglomeration, financial product & services integration, hybrid product, and regulation arbitrary could be the reasons of financial services authority (OJK) were established. Please give your opinion Disaggregated inflation is divided into two: core inflation and non-core inflation. How are these inflations may define the condition of inflation in Indonesia? Please give your opinion. Please explain and give your own examples about mudarabah and musharakah scheme for profit sharing financing there are 4 important roles of banking in the financial system. Please give your opinion

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