lembaga totoTOTO Indonesia is a world leading brand development of modern and minimalist for Sanitary, Fitting and kitchen products with a commitment to give quality and innovation. top of page.Abstract. Lembaga keuangan syariah (LKS) yang terdiri dari Bank Umum Syariah (BUS) dan Non-Perbankan Syariah, seperti Koperasi Syariah, Asuransi Syariah, Pasar Modal Syariah,