Depok, November 6, 2025 — The Islamic Banking Study Program at Institut SEBI has successfully held its annual event titled “Technical Competency Training for Islamic Banking.” The training took place on Thursday, November 6, 2025, from 09:00 to 16:00 WIB in the Computer Laboratory of Institut SEBI, attended by final-semester students from the Islamic Banking Program and other study programs. This year, the training was conducted in collaboration with Muamalat Institute, serving as a partner of Institut SEBI.

The event began with a speech from the Head of the Islamic Banking Program, Mr. Firmansyah, SEI., MM., who expressed appreciation for the students' enthusiasm in participating in the training. He emphasized the importance of synergy between theoretical knowledge and practical skills, stating, “Students of Islamic Banking must master two key aspects: an understanding of Sharia concepts and operational technical skills. These are essential for becoming excellent and principled professionals in the Islamic finance industry.”

This year’s training featured two main speakers: Mr. Diden Ishman, A.Md.E.Sy., and Mr. Novi Marzuki, S.H.

Mr. Diden Ishman delivered a session on “Financing Analysis and Risk Management,” focusing on financing analysis skills, business feasibility assessment, and managing financing risks in Islamic financial institutions. He highlighted the importance of applying the principle of prudential banking in every financing process to ensure compliance with Sharia regulations and avoid moral hazards.

Meanwhile, Mr. Novi Marzuki presented on “Building Comprehensive Competence in Sharia Compliance for Islamic Banking Professionals,” which is part of the Integrated Sharia Banking Competency Program. This session stressed the importance of sharia compliance as a fundamental foundation for maintaining the integrity of Islamic financial institutions.

In his discussion, he emphasized that sharia compliance encompasses all operational aspects, from products and contracts to financial reporting, grounded in principles that prohibit interest (riba), ensure justice, transparency, and the public good (maslahah).

Session One: Training with Mr. Diden Ishman

The first training session was led by Mr. Diden Ishman, a young practitioner in Islamic banking, who began his career at Bank Syariah Mandiri in 2018. His interest in banking sparked during an internship at Bank Indonesia, where he witnessed professional and orderly financial operations. Influenced by the moral values and principles of justice inherent in Islamic banking, he conducted two main topics: Financing Analysis and Risk Management.

In the first part, he explained the importance of analytical skills for an Islamic banker. According to him, analysis is not just about numbers and data; it also ensures that financing aligns with maqashid sharia—preserving public welfare and avoiding harm.

“Analysis in Islamic banking is not merely for ensuring profit but for ensuring blessings. Islamic banks are entitled to make a profit, but they must safeguard the trust of depositors while considering social aspects. Moreover, Islamic banks have an obligation to pay zakat annually as a form of economic equity,” he stated.

He also differentiated between conventional banks and Islamic banks concerning contracts, institutional structures, and legal bases. In conventional systems, interest rates fluctuate according to the BI rate, while Islamic banks derive profits from clearly agreed contracts such as sales, profit-sharing, or leasing.

He outlined various types of Islamic financing, including working capital financing for operational needs, investment financing for acquiring fixed assets or developing new businesses, and consumer financing for non-income-generating purchases like homes or vehicles.

During the Q&A session, participants asked engaging questions, covering profit-sharing principles, handling borrowers struggling with installment payments, and Islamic banks' perspectives on risk exposure. Mr. Diden addressed these inquiries with practical explanations based on his experience in banking.

In his second topic, he emphasized that banking is a trust- and service-based business, fraught with risks. Therefore, the ability to identify, analyze, and manage risks is a critical skill for every banking practitioner.

He presented the seven basic principles of financing analysis (7C's) as general guidelines in assessing customer eligibility:

• Character: Assessing the personality, honesty, and integrity of potential customers.
• Capacity: The ability of customers to manage their business and fulfill obligations.
• Capital: The strength of capital available to support the business.
• Collateral: Guarantees provided to mitigate the risk of default.
• Condition: Economic conditions and market factors affecting the customer's business.
• Constraint: External obstacles potentially impacting financing.
• Coverage: Protection against potential loss risks, such as Sharia-compliant insurance.

“Islamic banks must exercise caution from the initial analysis stage. Every approved financing must undergo rigorous risk evaluation, incorporating financial ratios and collateral values. When risks such as default occur, banks must be prepared with appropriate mitigation strategies in line with Sharia principles,” he emphasized.

He also pointed out the vital role of marketing teams in expanding the market share for Islamic banking. According to OJK data for 2025, the market share of Islamic banking in Indonesia reached only 7.72%, indicating a significant opportunity to expand penetration and educate the public.

Mr. Diden encouraged students, as future Islamic bankers, to actively participate in promoting the growth of the Islamic finance industry through financial literacy and innovative product development that meets modern societal needs.

Session Two: Training with Mr. Novi Marzuki

Following a break, the second session featured Mr. Novi Marzuki, who presented on “Building Comprehensive Competence in Sharia Compliance for Islamic Banking Professionals.” This material forms part of the Frontline Operations of Islamic Banking and Sharia Compliance, aimed at deepening understanding of sharia compliance principles and their application in banking operations.

He explained the concept of sharia compliance as the primary foundation distinguishing Islamic banking from conventional banking. He elaborated that every activity—from fund collection to financing distribution—must comply with Islamic principles such as the prohibition of riba, asset-based transactions, risk-sharing, justice, and public benefit.

Mr. Novi also discussed various Islamic banking products and services, including fund collection products like Sharia savings, mudharabah deposits, and wadiah current accounts, as well as financing distribution products with various contracts like Murabahah, Mudharabah, and Musyarakah, in addition to banking services such as transfers, clearing, Sharia safe deposit boxes, and Sharia-compliant ATM and debit cards.

In the Q&A segment, participants raised interesting questions about the Wadiah Yadh Amanah principle, where banks are not allowed to utilize depositors’ funds. Responding, he noted that “Islamic banks still generate profits from other products, such as profit-sharing financing or Sharia sales. Sharia principles do not close off business opportunities but regulate them to ensure ethical compliance with religious guidelines.”

Participants also inquired about potential misconduct or dishonesty in banking transactions. He stressed the importance of layered oversight systems, Sharia audits, and the role of the Sharia Supervisory Board (DPS) in detecting and addressing potential violations. He added that integrity and honesty are paramount for every Islamic banking professional.

Additionally, the training familiarized participants with the workflows and risks in the front office of banking, including the roles of tellers and customer service (CS). Students learned transaction procedures for cash deposits and withdrawals, signature and identity verification, and handling counterfeit currency. In the customer service segment, they covered account opening procedures, customer data verification (Know Your Customer), complaint handling, and the mechanisms for service recovery and issue escalation to relevant units.

Beyond technical aspects, he emphasized the importance of effective communication with customers according to Islamic principles, which includes courteous language, professional appearance, respectful body language, and the ability to listen actively.

Closing the training session, he urged participants to understand the entire business process of Islamic banking—from fund collection and financing distribution to continuous operational oversight. He concluded that Islamic banking professionals must possess competencies that include knowledge of fiqh muamalah, regulations, risk management, and ethical communication.

The event was highly interactive and generated significant enthusiasm among participants. Through this training, it is hoped that students at Institut SEBI can enhance their practical competencies while instilling values of sharia compliance within themselves as trustworthy, principled, and globally competitive finance professionals.

This year’s Technical Competency Training for Islamic Banking 2025 was executed in an interactive, inspirational, and energetic manner. Participants expressed their enthusiasm for engaging with each topic and had the opportunity to discuss directly with the speakers. Many reported gaining new insights that they had not encountered in their studies, particularly regarding the practical application of Sharia principles in banking.

The training aims to provide a platform for students to hone their analytical skills, thoroughly understand Sharia financing principles, and develop a professional character grounded in Islamic values.

With the successful conduct of the Technical Competency Training for Islamic Banking 2025, the Islamic Banking Program at Institut SEBI reinforces its commitment to producing outstanding, principled graduates ready to compete in the national and global Islamic finance industry.