HOW NON-MUSLIM STUDENTS VIEW ISLAMIC BANKING: INSIGHTS FROM CLASSROOM LEARNING

Abstract

This study investigates the perceptions and knowledge of non-Muslim students toward Islamic banking subjects through a qualitative approach. The research was carried out at Politeknik Negeri Balikpapan and involved 12 purposively selected non-Muslim students from the Digital Banking and Finance program who had completed the introductory Islamic banking course. Semi-structured interviews revealed five themes. First, students demonstrated strong knowledge of Islamic banking principles, especially the prohibition of riba, profit-sharing, and contracts such as murabahah and ijarah. Second, participants perceived Islamic banking as fair and inclusive, accessible to all regardless of religion. Third, the subject was valued for its educational significance in enhancing financial literacy and broadening awareness. Fourth, some students faced comfort and engagement challenges due to unfamiliarity with religious elements. Finally, most respondents expressed willingness to recommend the course for its academic and career relevance. These findings highlight the role of inclusive teaching in strengthening Islamic banking education among diverse student groups.