IT has been proven that managing a bank is not an easy matter. Leading Muhammadiyah figures who manage PT Bank Persyarikatan Indonesia (BPI) are feeling the brunt of it. They include Dawam Rahardjo (President Commissioner), Hajriyanto Thohari (Vice President Commissioner), and Abdul Munir Mulkhan and Amin Azis as (shareholders).

Although they have shed blood, sweat and tears, they have not been able to lift BPI from its position at the bo