Graduates Profile

• Islamic Financial Dealer and Broker: A Bachelor of Applied Science capable of executing and managing financial transactions within the Islamic money and capital markets by utilizing financial technology and Sharia principles to facilitate optimal trading decisions. They are skilled in analyzing market trends, instrument eligibility, and volatility to conduct brokerage activities; and are able to make appropriate decisions based on real-time data and regulatory frameworks to ensure Sharia compliance in every transaction, both independently and as part of a financial institution.
• Islamic Treasurer: A Bachelor of Applied Science capable of planning, implementing, and controlling corporate liquidity, cash flow, and financial assets by applying Sharia-compliant treasury management strategies. They master the concepts of asset-liability management (ALMA) to solve problems related to funding and investment gaps; utilize the latest financial knowledge and technology to optimize the organization’s financial position; and make strategic decisions based on accurate financial data analysis to ensure the stability and efficiency of the organization’s funds.
• Islamic Banking Manager: A Bachelor of Applied Science capable of planning, organizing, directing, and supervising the operational activities of Islamic banking units or branches by utilizing banking knowledge and technology to solve managerial problems. They master the principles of Islamic banking operations, product development, and service excellence to resolve issues related to resources, customer service, and compliance; and are capable of making appropriate strategic decisions based on performance data to achieve organizational targets and enhance customer satisfaction, both independently and in a group.
• Islamic Financial Analyst: A Bachelor of Applied Science capable of examining, interpreting, and evaluating financial data and market trends to assess the health and performance of Sharia-compliant entities. They utilize analytical tools and accounting standards (such as PSAK Syariah/AAOIFI) to prepare comprehensive financial reports and projections; solve problems related to financial reporting and variance analysis; and provide data-driven recommendations to assist stakeholders in making informed economic decisions, ensuring accuracy, transparency, and ethical compliance.
• Islamic Financing Analyst: A Bachelor of Applied Science capable of planning and evaluating the feasibility of financing proposals by utilizing credit analysis techniques and Sharia contract rules to solve financing problems. They are able to assess the character, capacity, capital, and collateral of prospective clients; analyze risks associated with specific contracts (e.g., Murabahah, Musharakah); and make appropriate recommendations regarding financing structures and mitigation strategies based on comprehensive data analysis to ensure the quality and sustainability of the financing portfolio.
• Islamic Investment Manager: A Bachelor of Applied Science capable of planning, implementing, and monitoring investment portfolios by utilizing knowledge of Sharia-compliant instruments (such as Sukuk, Islamic equities, and mutual funds) to solve investment management problems. They master the concepts of asset allocation and portfolio optimization to achieve financial goals within acceptable risk levels; and are capable of making prudent investment decisions based on in-depth market analysis and Sharia governance principles, assisting investors in growing their wealth ethically.
• Risk Manager of Islamic Financial Institutions: A Bachelor of Applied Science capable of planning, organizing, and controlling the risk management framework by utilizing risk modeling techniques to identify, measure, monitor, and mitigate risks faced by Islamic financial institutions. They are skilled in handling specific risks such as credit, market, liquidity, operational, and Sharia non-compliance risks; and are able to make strategic decisions based on risk assessments to safeguard the institution’s assets and reputation while ensuring compliance with regulatory authorities (such as OJK and DSN-MUI).

Learning Outcome

Attitudes

Graduates of the program are expected to: 

1. Demonstrate piety to God Almighty and exhibit religious attitudes.
2. Uphold humanitarian values in carrying out duties based on religion, morals, and ethics.
3. Act as a citizen who takes pride in and loves the nation, possessing nationalism and a sense of responsibility toward the state and nation.
4. Contribute to the improvement of the quality of life in society, nation, and state based on the national ideology (Pancasila).
5. Collaborate effectively and demonstrate social sensitivity and concern for the community and environment.
6. Respect the diversity of cultures, views, religions, and beliefs, as well as the original opinions or findings of others.
7. Obey the law and demonstrate discipline in social and state life.
8. Demonstrate responsibility for work in the area of expertise independently.
9. Internalize academic values, norms, and ethics.
10. Internalize the spirit of independence, resilience, and entrepreneurship.
11. Uphold and apply professional ethics.

General Competencies

Graduates of the program are expected to: 

1. Apply logical, critical, systematic, and innovative thinking in the context of the development or implementation of science and technology that considers humanistic values according to their field of expertise.
2. Demonstrate independent, quality, and measurable performance.
3. Examine the implications of the development or implementation of science and technology while considering and applying humanities values based on academic principles, procedures, and ethics.
4. Compile scientific descriptions based on the results of studies or research, and upload them in the form of a thesis or final project report.
5. Make decisions appropriately based on analytical procedures of information and data.
6. Maintain and develop networks, supervise and evaluate work, and manage sustainable learning.
7. Take responsibility for work in their field of expertise independently.
8. Conduct process supervision and evaluation of tasks under their responsibility.
9. Documentation, store, secure, and retrieve data to ensure validity and prevent plagiarism.

Specific Competencies

Graduates of the program be able to : 

1. Apply communication skills to serve clients and resolve client issues by utilizing applicable laws, ethics, and Standard Operating Procedures (SOP) in the current industry.
2. Provide information on Islamic bank products and services to attract potential clients amidst strict banking competition, ensuring transaction realization.
3. Handle and analyze financing applications from potential partners by adhering to financing principles, ensuring the feasibility of recommendations and execution.
4. Apply Islamic banking systems using specific financial procedures, accounting guidelines (PAPSI), and banking information technology, considering economic factors, public financial health, and socio-cultural aspects.
5. Execute tasks using manual typing devices or keyboarding to ensure typing fluency and meet high-volume and high-speed work targets.
6. Make investment decisions on Islamic financial instruments and recommend types of investments to optimize the fund management of Islamic banks.
7. Conduct Islamic Money Market transactions in accordance with applicable regulations to optimize the funds held by Islamic banks.
8. Improve Islamic financial performance using financial instruments and information technology, referring to industry methods and standards.
9. Make strategic decisions based on strategic management analysis and provide guidance in selecting various alternative solutions for financial companies.
10. Make decisions based on business feasibility study data and provide logical, ethical, and aesthetic guidance for business performance improvement.
11. Make decisions based on risk analysis and provide guidance in creating resilience and reasonable prospects for the company.
12. Manage, create, and develop spreadsheets using information technology software creatively as a manifestation of adaptability to the work situation.
13. Utilize computer technology in corporate task execution and demonstrate adaptability to the work situation.
14. Create and develop simple and complex databases using information technology software for financial tasks and resolve financial database issues.
15. Manage communication with the economic community, both domestic and international, using Indonesian, Arabic, and English, to improve performance in the services and Islamic finance sector while adapting to national and international economic developments.
16. Apply mathematics and statistics using both manual calculation systems and digital calculation systems via software to execute tasks and improve performance in conventional and Islamic finance, as well as provide protection and solutions for economic developments.
17. Assume responsibility for work in the Islamic finance sector, both independently and in groups, within practical industrial situations, and bear responsibility for the achievement of the Islamic financial institution’s results.
18. Assume academic responsibility in conducting research in the field of Islamic finance and contribute to the performance improvement of Islamic financial institutions.

Knowledge

Graduates of the program are expected to have: 

1. Master the theoretical concepts of Fiqh Muamalah, Islamic business law, and ethics to produce Islamic financial law application models required by society and the current industry.
2. Master conventional economic theories, specifically microeconomics, macroeconomics, monetary economics, and industrial economics, to analyze economic cases and formulate solutions in accordance with conventional economic principles.
3. Master Islamic economic theories required to analyze economic cases and Sharia-compliant companies, and formulate economic problem solutions in accordance with Sharia principles.
4. Master conventional accounting theories, specifically Introduction to Accounting, Financial Accounting, and Cost Accounting, to produce financial reports in accordance with standard accounting procedures and industry standards.
5. Master Islamic accounting theories, specifically Islamic financial services accounting, to produce Islamic banking financial reports in accordance with PSAK Syariah, PAPSI, and Islamic banking industry standards.
6. Master taxation theories required to fulfill corporate tax obligations in accordance with applicable laws and regulations.
7. Master audit theories, specifically Islamic banking audit, to execute audit activities in Islamic banks.
8. Master theoretical concepts of finance, specifically Financial Management, Financial Statement Analysis, and Budgeting, to create sound and prospective corporate financial systems, disclose corporate financial conditions, and provide solutions for such conditions.

Users

Users and Professional Profile

Industry Profile

The profile of industries and institutions where our alumni build their careers is diverse and dynamic. Graduates of the Applied Bachelor in Sharia Finance are highly sought after in the Islamic Financial Industry, Government Institutions, Private & Multinational Corporations, and Global/Abroad Companies, as well as establishing themselves as independent entrepreneurs in the halal industry.

1. Financial Industry This sector remains the primary absorber of our graduates. Alumni occupy strategic positions in PT. Bank Syariah Indonesia Tbk, PT. Jamkrindo Syariah, PT Bank Jabar Banten Syariah, PT Bank Muamalat Indonesia Tbk, etc
2. Government Institutions Graduates contribute to public sector financial management and regulation. They are employed by regulatory bodies such as the Financial Services Authority (OJK), Bank Indonesia (BI), the Ministry of Manpower and Protection of Indonesian Migrant Workers, Ministry of Home Affairs of the Republic of Indonesia, West Java Provincial Government, Zakat/Waqf Management Agencies (BAZNAS/BWI), etc.
3. Private & Multinational Companies Our graduates demonstrate high adaptability outside the banking industry, securing positions in leading private and multinational companies such as Daimler Commercial Vehicles Indonesia (DCVI), LX International, Coca-Cola Europacific Partners, PT. Infosys Solusi Terpadu, PT Satria Antaran Prima Tbk. (“SAP Express”), Lion Parcel, etc. Furthermore, alumni success in entrepreneurship, exemplified by Kopi Kaluargi, proves their competence in general corporate finance and strategic planning.
4. Abroad Companies Our graduates possess the competence to compete globally, successfully securing professional positions in international companies operating in foreign markets. Notable examples include alumni careers at Pinehill Arabia Food Ltd. (Saudi Arabia) and Accenture Malaysia

Stakeholder & Outcome

Stakeholders / Users Testimony

1. Graduate (Alumna):

“Studying in the Applied Bachelor’s in Sharia Finance Programme at Polban has shaped me both academically and personally. The subjects taught cover various areas from sharia principles, finance, to accounting, all delivered with both theoretical depth and practical application. The lecturers are also very supportive and play a major role in my learning process.” — Mahesa Dava Wardhana, S.Tr.Bns., Corporate Financial Reporting – Pinehill Arabia Food Ltd.

2. User (Employer):

“Graduates from the Applied Bachelor’s in Sharia Finance programme at Polban demonstrate strong analytical and managerial skills. Their understanding of Islamic finance principles and their professional ethics have made them reliable contributors to our corporate operations, especially in areas requiring precision and Sharia compliance.” — Suhaimi Rousanal Fikri, Automotive Team Leader – PT Bank Syariah Indonesia Tbk.

Competitive Advantage

 

Research and Innovation Highlights

The Applied Bachelor in Sharia Finance Program actively promotes research and innovation in the fields of Islamic banking, sharia finance, and corporate financial analysis, demonstrating robust academic productivity and a strong commitment to advancing knowledge in the sharia economic sector. Research outputs are substantial, comprising 402 total publications, including 24 Scopus-indexed and reputable international publications that highlight the program’s global research impact, as well as over 300 nationally accredited (SINTA) publications, reflecting a consistent contribution to national academic discourse.

Key research topics cover Islamic banking performance, sharia compliance, corporate financial sustainability, and profitability analysis, contributing to optimizing best practices in Islamic financial institutions and supporting the development of the halal industry ecosystem in Indonesia. Furthermore, the program integrates research into its curriculum and community service, fostering collaboration between students and lecturers to produce applied research and policy studies that align with the growth of the national Islamic digital economy.

Faculty Research Grant Achievements

The faculty members of the Applied Bachelor in Sharia Finance Program actively contribute to the advancement of knowledge through applied research funded by competitive grants. Below is the list of funded research projects, categorized by their funding source, highlighting the consistency and quality of academic output.

1. National Competitive Grants (BIMA – Kemendikbudristek)

Our faculty members have successfully secured prestigious national grants from BIMA (Basis Informasi Penelitian dan Pengabdian kepada Masyarakat), demonstrating their capability to compete at the national level with high-impact research topics.

• Artificial Intelligence-Based Marketing Strategy Model to Enhance Brand Preference and Performance of Sharia Banking in West Java (2025)
• The Role of AI Chatbot Services on Continuance Intention of Sharia Mobile Banking: A Study on Sharia Bank Customers in West Java (2025)

2. Institutional Research Grants (DIPA Polban)

The program also maintains a strong portfolio of internally funded research focused on applied solutions for the industry and community, supported by DIPA Politeknik Negeri Bandung.

• Financial Decisions of Coffee Farmers in Loa Village, Bandung Regency, regarding Sharia and Non-Sharia Financial Institutions (2025)
• The Impact of Financing on Net Profit through Profit-Sharing Income in Islamic Commercial Banks (2025)
• The Impact of Fintech P2P Lending on Commercial Bank Financing in Indonesia (2025)

• Design and Development of an Online Learning Application for Sharia Banking Service Products (2024)
• Analysis of Capital Structure Proportion of Manufacturing Companies Listed on IDX During the Covid-19 Pandemic (2024)
• Competition and Financial Stability of Islamic Banks: Indonesia vs Malaysia (2023)
• Forecasting Analysis of Financial Performance Development of Fintech Lending in Indonesia (2023)

 

Applied Sharia Innovation & Community Impact

The Applied Bachelor in Sharia Finance Program distinguishes itself through a strong emphasis on Project-Based Learning (PBL) where students design and implement real-world financial solutions. Unlike purely theoretical programs, our students actively collaborate with industry partners and community organizations to solve financial management challenges using Sharia contracts (e.g., Wakalah, Murabahah, Wadiah).

Our competitive advantage lies in the direct utility of student outputs, which facilitate digital transformation and sharia compliance in various sectors:

Key Innovations and Implemented Solutions:

• Community Financial Digitalization (Social Finance): Development of “Dana Ta’awun Sauyunan” for RW 07 Sarijadi. Students designed a digital spreadsheet system for managing community dues based on the Wakalah contract. This innovation replaced informal manual recording with a transparent, accountable digital system using QR Codes for payments, enhancing trust and participation among residents.
• Mosque-Based Financial Products (Qurban & Social Funds): Students have successfully professionalized mosque financial management through products like:
  • “TABAH” (Tabungan Qurban Berkah) for DKM Al-Ikhlas and “TAQUR” for Masjid Al-Falah. These programs utilize the Wadiah Yad al-Amanah contract to help the community plan for Qurban worship through a structured savings mechanism, complete with SOPs and financial recording systems.
  • “THARTIM” (THR Yatim) for Masjid Luqmanul Hakim, a centralized data management system using spreadsheets to ensure the transparent and equitable distribution of holiday allowances for orphans.
• Sharia Cooperative Product Development: Creation of “Ta’lim Hasanah” for Koperasi Unit Desa (KUD) Karya Maju. This is a Sharia-based education financing product using the Murabahah contract. It provides a solution for low-income members to pay for school fees without minimum loan thresholds, directly addressing the risk of school dropouts in the community.
• Early Childhood Financial Literacy: Implementation of “TAMANAH” (Tabungan Amanah Anak Muthmainnah) at TKIT Muthmainnah. This product introduces financial literacy and Sharia values (Wadiah Yad Dhamanah) to kindergarten students through an engaging savings system, fostering character building and financial discipline from an early age.
• Private Sector Business Expansion: Strategic development for PT Pakar Mulia Property through “Nestigo Property Hub.” Students designed a Sharia-compliant property rental platform for international travel agents, incorporating Ijarah and Wakalah contracts to ensure transactions are free from Riba, Gharar, and Maisir, thereby expanding the company’s market into halal tourism.
• Waqf Administration System: Development of “Sahabat Wakaf” for Madrasah Rumah Al-Quran. Students created a standardized administration system for recording and reporting Waqf assets, transforming manual processes into accountable, transparent reports that increase donor trust.

Through these applied projects, the Sharia Finance Program proves its commitment to producing graduates who are not only knowledgeable in theory but are also problem solvers capable of empowering the community and industry through ethical, Sharia-compliant financial innovations.