lembaga totoAbstract. Lembaga keuangan syariah (LKS) yang terdiri dari Bank Umum Syariah (BUS) dan Non-Perbankan Syariah, seperti Koperasi Syariah, Asuransi Syariah, Pasar Modal Syariah,PT Surya Toto Indonesia Tbk (TOTO) manufactures sanitary products, fittings, kitchen system, and accessories for those related products. It was established in July 1977,