Bank BJB Syariah

What Bank BJB Syariah does

Bank BJB Syariah (legal name PT. BANK JABAR BANTEN SYARIAH) is an Indonesia-licensed sharia commercial bank (Bank Umum Syariah) headquartered at Jl. Braga No. 135, Bandung, serving the West Java (Jawa Barat) and Banten provinces under the supervision of the Otoritas Jasa Keuangan (OJK) and Bank Indonesia, with customer deposits insured by Lembaga Penjamin Simpanan (LPS) up to Rp 2 billion per customer per bank. The bank operates a horizontal customer segmentation across mass-market individual/consumer (Hajj, Umrah, home ownership, gold, pensioner financing), micro and small business (KUR Syariah variants), and corporate/treasury segments (Giro, Deposito, Trade Finance).

The bank's core products fall into three lines. Financing (Pembiayaan) covers productive facilities (working capital, investment), the government-linked KUR Syariah suite (Mikro, Kecil, Super Mikro, Penempatan Pekerja Migran Indonesia), and consumer financing (Pemilikan Rumah, Pembiayaan Serbaguna, Mitra Emas gold financing, Kesejahteraan Pegawai, Pembiayaan Kepemilikan Emas, Pemilikan Rumah Sejahtera, Pembiayaan Pensiunan), structured on Murabahah, Mudharabah, and Musyarakah principles. Fundraising (Penghimpunan Dana) includes Tabungan iB Maslahah, Giro iB Maslahah, Deposito iB Maslahah, Tabungan Haji iB Maslahah, Simpanan Pelajar iB, Tabungan Rencana, Tabungan Taspen, Tabungan Umrah, Tabungan Anak, LSBU Haji, Tabungan Tandamata, and Giro Plus, plus the TASEDO savings-equivalent-to-deposit product. Services span Mobile Maslahah mobile banking, BI FAST, RTGS, PPOB, Cardless Withdrawal, School Management System, BJBS Siap digital onboarding, Trade Finance, Pembayaran Penerimaan Negara, and Safe Deposit Box.

Revenue mechanics combine spread-based income from Murabahah, Mudharabah, and Musyarakah financing, subscription/recurring economics on savings and deposit products, and transaction fees on services such as transfers, BI FAST, RTGS, PPOB, and trade finance. Distribution is anchored by a regional West Java and Banten branch network (KCP and Kantor Kas outlets), supplemented by Mobile Maslahah (a multi-OS mobile banking app supporting Android 2.1++, iOS 4.3++, Blackberry OS 5++, and Java), a digital onboarding channel, the Contact Center Maslahah, and government program rails such as KUR Syariah and LSBU Haji. Pricing is not publicly disclosed; the bank directs customers to its phone line (022) 420 2599 and [email protected] for fee schedules.

Name

Bank BJB Syariah

Legal name

PT. BANK JABAR BANTEN SYARIAH

Website

https://bjbsyariah.co.id

Company type

Private

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Bank BJB Syariah is an OJK-licensed sharia commercial bank headquartered in Bandung, Indonesia, serving individual, micro and small business, and corporate customers across West Java and Banten with sharia-compliant financing, savings, and digital banking services.

Ownership category

akta.pro rank

Product category

Islamic Retail Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221), Commercial Banking (52211)

SIC

National Commercial Banks (6021), State Commercial Banks (6022), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Islamic SME & Commercial Banking (FSABAGAB)

akta.pro secondary industries

Shariah-compliant Financing Products (Murabaha, Ijara, Tawarruq, Istisna, Salam) (FSABAGAH), Islamic Deposit & Account Products (Current/Savings/Investment Accounts) (FSABAGAI), Islamic Trade Finance & Supply Chain (Shariah-compliant) (FSABAGAE), Islamic Private Banking & Wealth (FSABAGAD)

Keywords

• Islamic banking services
• Sharia-compliant financing
• Micro business lending
• Hajj savings products
• Mobile banking platform

Headquarters

HQ city

Bandung

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Financing (Pembiayaan): Islamic financing products including productive financing (working capital / modal kerja, investment financing), KUR Syariah (KUR Mikro, KUR Kecil, KUR Super Mikro, KUR Penempatan Pekerja Migran Indonesia), consumer financing (home ownership / pemilikan rumah, multi-purpose financing / pembiayaan serbaguna, Mitra Emas gold financing, housing welfare / kesejahteraan pegawai, gold ownership financing / PKE, Sejatera house ownership / pemilikan rumah sejahtera, pensioner financing / pembiayaan pensiunan), and financing simulation tools based on Murabahah, Mudharabah, and Musyarakah principles.
2. Fundraising (Penghimpunan Dana): Islamic savings products including Tabungan iB Maslahah, Giro iB Maslahah, Deposito iB Maslahah, Tabungan Haji iB Maslahah, Simpanan Pelajar iB, Tabungan Rencana iB Maslahah, Tabungan iB Maslahah Taspen, Tabungan Umrah iB Maslahah, Tabungan Anak iB Maslahah, LSBU Haji, Tabungan Tandamata iB Maslahah, and Giro Plus iB Maslahah. Includes Tabungan Setara Deposito (TASEDO) savings product.
3. Services (Jasa dan Layanan): Banking services including transfers, RTGS, Surat Keterangan, PPOB, BI FAST, Cardless Withdrawal, School Management System, Bjbs Siap, Contact Center Maslahah, SBSN Ritel (Retail Sukuk), Trade Finance, Pembayaran Penerimaan Negara (State Revenue Payments), Digital on Boarding, and Safe Deposit Box.
4. Programs (Program): Special programs including Lock & Win iB Maslahah, Program Special Milad BJBS KE-16, Tabungan Setara Deposito (TASEDO), Umrah Akbar Berkah, Cash Waqf Linked Deposit (CWLD), Program Hade-Ah, and Bundling Lock & Win dan Deposito.

Distribution channels4 records

Marketing channels5 records

Core offering

Bank BJB Syariah is an Indonesia-based sharia commercial bank (Bank Umum Syariah) operating under PT Bank Jawa Barat dan Banten. It provides Islamic financing (productive working capital and investment financing, KUR Syariah for micro/small enterprises, consumer financing including home ownership, gold, multi-purpose, and pensioner financing), sharia-compliant savings and deposits (Tabungan iB, Giro iB, Deposito iB, Hajj and student savings), payment and banking services (BI FAST, RTGS, PPOB, transfers, trade finance, safe deposit box), and mobile banking via the Mobile Maslahah application.

Product overview

Bank BJB Syariah offers a comprehensive Islamic banking platform with three main product lines: (1) Financing Products including productive financing (working capital, investment), KUR Syariah micro-enterprise programs, home ownership financing, gold financing (Mitra Emas, PKE), multi-purpose financing, pensioner financing, and employee welfare financing; (2) Savings and Fund-raising Products including Tabungan iB Maslahah (savings), Giro iB Maslahah (current accounts), Deposito iB Maslahah (time deposits), Tabungan Haji iB Maslahah (Hajj savings), student savings (Simpanan Pelajar iB), and various savings programs like Lock & Win iB Maslahah, TASEDO, CWLD, and Umrah Akbar Berkah; (3) Services including Mobile Maslahah mobile banking, fund transfers (BI FAST, RTGS, Transfer), bill payments (PPOB), School Management System, and Safe Deposit Box. The bank operates under sharia principles with products certified by Islamic scholarly oversight.

Differentiator

Problem solved

Functional benefit

Brands

• Mobile Maslahah: Mobile banking application providing 24-hour access to banking transactions via mobile phone
• Tabungan iB Maslahah
• Giro iB Maslahah
• Deposito iB Maslahah
• Tabungan Haji iB Maslahah
• Tabungan Anak iB Maslahah
• KUR Syariah
• Pembiayaan Kepemilikan Emas (PKE)
• Lock & Win iB Maslahah
• Tabungan Setara Deposito (TASEDO)
• Umrah Akbar Berkah
• Cash Waqf Linked Deposit (CWLD)

Products and services

• Mobile Maslahah

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Six partnerships are on record, tiered core.

• PT Dubbs Energi TeknologicoreStrategic or Co-development Partner · 26 February 2026Memorandum of Understanding (MoU) between PT Bank Jawa Barat Banten Syariah and PT Dubbs Energi Teknologi for the development of electric vehicles in Indonesia. PT Dubbs Energi Teknologi focuses on research, development, production, and distribution of three-wheeled and four-wheeled low-speed electric vehicles with over 20 years of industry experience. The collaboration includes participation in the Government's Free Nutritious Meal Program (Program Makan Bergizi Gratis) in Garut Regency.
• Yayasan Perguruan Nusa Putra SukabumicoreStrategic or Co-development Partner · 6 January 2026Signing of a Cooperation Agreement (Perjanjian Kerjasama) for the use of sharia banking products and services with Yayasan Perguruan Nusa Putra Sukabumi. This collaboration supports financial development for educational institutions and quality of human resources for an excellent and competitive education ecosystem.
• PT Sarana Multigriya Finansial (SMF)coreStrategic or Co-development Partner · 1 January 2025Partnership with PT Sarana Multigriya Finansial (SMF) as a Sharia Business Partner, recognized as BPD with the Largest Housing Financing Refinancing and BPD with the Largest Outstanding Housing Financing in 2025. Award received at the 2025 Housing Financing Work Meeting and Socialization for BPD Conventional and Sharia Segments.
• Otoritas Jasa Keuangan (OJK)coreOthersBank BJB Syariah is licensed and supervised by Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI) as a sharia commercial bank.
• Lembaga Penjamin Simpanan (LPS)coreOthersBank BJB Syariah is a participant of the deposit insurance scheme (Penjamin Simpanan) managed by Lembaga Penjamin Simpanan (LPS). Maximum insured deposit value per customer per bank is Rp2 billion.
• Bank Indonesia (BI)coreOthersBank BJB Syariah is supervised by Bank Indonesia (BI) as a sharia commercial bank operating in Indonesia.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Maybank Indonesia (Sharia Unit): Conventional Indonesian bank with established Islamic banking window offering sharia financing, deposits, and trade finance. Overlaps in target SME and consumer segments, leveraging Maybank Group's regional ASEAN scale and technology.
• CIMB Niaga (Sharia Unit): Conventional Indonesian bank with a sizeable sharia unit offering Islamic financing, savings, and trade finance. Competes in the same customer pool but as part of a much larger diversified bank with broader product set and stronger digital infrastructure.

Direct peers

• BCA Syariah: Islamic banking subsidiary of Indonesia's largest private bank, BCA. Competes for sharia-compliant consumer and SME financing with strong digital channels and parent-group funding advantages.
• Bank Muamalat Indonesia: Pioneer Indonesian Islamic commercial bank offering full sharia financing and deposit products nationwide. Closely comparable product mix (Murabahah, Mudharabah, Musyarakah) and similar target segments including micro/SME and consumer Hajj/Umrah savings.
• Bank Syariah Indonesia (BSI): Indonesia's largest Islamic bank, formed from the merger of BRI Syariah, BNI Syariah, and Mandiri Syariah. Directly competes with BJB Syariah across sharia financing, deposits, and trade finance, but with national scale and stronger digital capabilities.
• Bank Mega Syariah: Mid-sized Indonesian Islamic bank offering consumer and commercial sharia financing plus deposits. Closely comparable in scale and product set to BJB Syariah, serving similar micro/SME and retail customer bases.
• Bank Panin Dubai Syariah: Indonesian Islamic commercial bank with comparable financing and deposit products including gold-backed and property financing. Similar mid-tier positioning and focus on sharia-compliant consumer and SME banking.
• Bank Victoria Syariah: Smaller Indonesian sharia commercial bank focused on consumer financing and deposits. Comparable product set in Murabahah and Mudharabah financing, serving overlapping micro and retail segments.
• Bank Jateng Syariah: Regional BPD sharia unit for Central Java, structurally most analogous to BJB Syariah as a province-level Islamic bank under the BPD umbrella. Comparable target market (local SME, civil servants, Hajj savers) and product portfolio.

Regional players

• Bank DKI Syariah: DKI Jakarta regional BPD with a sharia window offering consumer and SME Islamic banking. Comparable as a BPD-aligned regional sharia franchise, though BJB Syariah operates in a different geographic catchment (West Java/Banten).

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/bankbjbsyariah
• Facebookfacebook.com/bankbjbsyariah
• LinkedInlinkedin.com/company/bank-bjb-syariah

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bank BJB Syariah