EVER since the Indonesian Ulamas Council (MUI), or religious leaders, issued its fatwa haram (ban) on bank interests last year, banks operating on the principles of Syariah (Islamic law) have mushroomed in Indonesia. Even the state-owned Bank Pembangunan Daerah (BPD), along with conventional and foreign banks, is now eyeing a system that applies Islamic principles. Products of Syariah banking have also increased, not just loans for consumer spend