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Economics & Business

Islamic Banking

Perbankan Syariah

You study the operations of banks and financial institutions based on sharia principles, including contracts, financing, risk management, and customer service.

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Level S1 · 4 years
Market demand Growing
Mid salary Rp 8–15 million /mo
01

Big Picture

DATA

Understanding the products, contracts, operations, governance, and financing analysis of Islamic banks and financial institutions.

Core courses

  • ›Introduction to Islamic Banking
  • ›Islamic Commercial Law and Contracts
  • ›Islamic Bank Products and Operations
  • ›Islamic Banking Accounting
  • ›Islamic Bank Risk Management
  • ›Islamic Financing Analysis
  • ›Islamic Banking Law
  • ›Islamic Economics
WHO THIS FITS

A good fit if you are interested in finance, customer service, business analysis, banking regulations, and the careful application of Islamic principles.

Education levels

how does it differ from other levels?
D3
Usually takes about 3 years and is more vocational. It focuses on operational skills such as frontliner services, administration, accounting, and back-office work; graduates generally earn an Associate degree (A.Md).
D4
Generally equivalent to 4 years but is applied bachelor-oriented. The practical and industry-application portion is stronger, producing an Applied Bachelor's graduate geared toward technical and entry-level managerial job needs.
S2
The master's program deepens theory, policy, management, and research in Islamic banking. Graduates are directed toward senior analyst roles, policymakers, educators, or researchers, rather than basic operational introductions.
S3
The doctoral program focuses on developing knowledge and original research in Islamic finance and banking. Its main output is lead researchers, academics, or policy experts.

Often confused with…

what's the difference?
vsEkonomi Syariah
Ekonomi Syariah covers the economic system and policy more broadly; Perbankan Syariah focuses more on bank operations, products, contracts, and financing.
vsAkuntansi Syariah
Akuntansi Syariah focuses on recording, reporting, and auditing; Perbankan Syariah covers the operations and management of bank products and services.
vsManajemen Bisnis Syariah
Manajemen Bisnis Syariah covers the management of organizations and businesses in general; Perbankan Syariah is more specific to the financial services industry.
vsKeuangan dan Perbankan
Keuangan dan Perbankan can cover both conventional and Islamic banks; Perbankan Syariah emphasizes contracts and compliance with Islamic principles.

Myth vs Fact

MYTH Perbankan Syariah only studies religion.
FACT The curriculum also covers bank operations, accounting, financing analysis, risk management, and customer service.
MYTH Graduates can only work in Islamic banks.
FACT Graduates can enter other Islamic financial institutions, compliance functions, financing, research, and financial services.
MYTH Islamic banks do not use risk analysis.
FACT Risk analysis remains important, taking into account the contract structure, repayment capacity, and Sharia compliance.
02

Toolkit & Prep

GUIDE

Personal hardware & software you need to prepare before classes start — requirements vary by program. Expensive, heavy-duty equipment is usually provided by the campus.

MINIMUM LAPTOP SPEC

Laptop for document processing, spreadsheets, presentations, research, and light data analysis: Core i3/Ryzen 3 or equivalent, RAM 8 GB, SSD 256 GB, Full HD display.

ESTIMATED STARTUP BUDGET
Rp 5–9 million

A one-time purchase that lasts through your studies.

Laptop
Used for spreadsheets, assignments, presentations, and research.
Required
Spreadsheet application
For transaction analysis, ratios, and financing simulations.
Required
Document processing application
Required
Presentation application
Required
Stable internet connection
Required
Financial calculator or spreadsheet template
Helps with installment simulations and financing analysis.
Optional
03

Facility Checklist

GUIDE

Questions specific to Islamic Banking to bring to an open house or campus visit. Important facilities vary by program — these matter most.

Note: Myjor doesn't maintain a facilities database per campus. This is a tool for you to assess it yourself.

Is there a simulated Islamic banking service room or operational practice facility?
Can students practice financing analysis and customer feasibility assessment using real cases or simulations?
Is there database access for journals, regulations, and Islamic finance industry reports?
Is there software or a computer lab for spreadsheet practice and financial data analysis?
Does the campus offer relevant internships at Islamic banks or financial institutions?
Ask about specific practice facilities and frequency of use during open house.

Tip: ask for a tour of the relevant labs/studios, not just the main building. Ask about access hours and whether undergrads can use the equipment.

04

Academic Quality

GUIDE

Three objective ways to assess a program's academic quality — including how to check them yourself.

A

Program accreditation status

Check the program's own accreditation rating (not just the campus's) on official sites. International accreditation is a plus for certain fields.

Unggul / A — top tier Baik Sekali / B Baik / C

Check at: BAN-PT (banpt.or.id) or the relevant LAM, & PDDIKTI (pddikti.kemdikbud.go.id).

B

Student–faculty ratio & how to calculate it

ratio = active students ÷ full-time faculty
Example: 600 students ÷ 25 faculty = 1 : 24
✓Ideal: ≈1:20 for STEM/science fields, ≈1:30 for social sciences/humanities (per Ministry of Education guidance).
!The smaller the second number, the more attention each student gets. Above 1:40 is worth flagging.
!Also check faculty qualifications (Master's/PhD) and whether there are industry practitioner lecturers.
C

Faculty research — relevant & current?

Look up faculty profiles and publications (Google Scholar / SINTA). For Islamic Banking, look for those researching currently relevant topics:

Efficiency and performance of Islamic banksIslamic financial inclusionDigitalization of Islamic banking servicesFinancing risk managementSharia compliance and governanceIslamic financial literacyProduct and contract developmentMSME financing by Islamic banksService quality and customer satisfactionFintech and the Islamic finance ecosystem

E.g., is there faculty researching AI, or cancer-related topics? Active research topics signal the program keeps up with the field.

ASK AT THE OPEN HOUSE

"What's this program's student–faculty ratio? What research topics are faculty currently working on? What percentage of graduates find field-relevant jobs within 6 months?"

05

Partnerships

GUIDE

Campus partnerships heavily shape internship, research, and career paths. Which partners matter varies by program — here's what's relevant for Islamic Banking.

industrial internship
Ask about active internship tracks at Islamic commercial banks, Islamic business units, Islamic rural banks (BPRS), and Islamic financial institutions; request the number of students placed each year.
collaborative industry research
Ask about joint research with banks, OJK, regulators, or Islamic financial institutions on financing, risk, and financial inclusion.
professional certification
Ask about access to certification in banking competence, financing analysis, risk management, or Sharia compliance.
teaching practitioners
Ask whether Islamic banking practitioners teach, mentor projects, or provide case studies on a regular basis.
Islamic business incubation
Ask about incubation partners for halal businesses, Islamic fintech, Islamic cooperatives, or MSME financing.
association and regulator partnerships
Request a list of active MoUs with professional associations, regulators, and financial institutions; do not settle for a page of logos.

Ask for a list of official partners with active MoUs — not just logos in a brochure. Ask how many students are actually placed each year.

06

Career & Salary

DATA
Entry
0–2 years
Rp 5–7 million
per month
Mid
3–6 years
Rp 8–15 million
per month
Senior
7+ years
Rp 15–30 million
per month
Career pathsSalary range /mo
Islamic bank customer service representative Rp 5–7 million
Islamic bank teller Rp 5–7 million
Financing account officer Rp 5–10 million
Relationship manager Rp 8–15 million
Financing analyst Rp 8–15 million
Sharia compliance officer Rp 8–18 million
Branch manager Rp 15–30 million

Sources: Myjor 2024 industry salary survey (n=4,200), BPS, and job portals. Figures are medians, influenced by city, company, and experience.

Sources & References

The career & salary data above traces back to its sources. Click to expand/collapse the source list.