This article re-examines key explanations of the Global Financial Crisis—product complexity, behavioural biases in decision making, systemic risk, and regulatory arbitrage capture—and finds a common underlying cause, namely gaming by personnel at all levels banking sector its regulators. has enabled banks to use highly leveraged, maturity-mismatched investment strategies, which were designed so...

This study explains the phenomena of certain Indonesian bankers’ fear regarding bank interest. anxiety led bankers both conventional and sharia to extreme attitudes such as decision employees stop working or move work in Islamic banks, assuming that his position is correct considers be illegitimate work. These two understandings underlie authors interested analyzing discovering how build a tole...