Re-keying Murabaha rows and three-decimal JOD figures by hand is the slow part of bookkeeping. Convert each client's PDF to Excel in seconds and your team works from data, not paper.
Convert your JIB statementsAccountants serving Jordanian clients receive JIB PDFs in bilingual Arabic-English format with Islamic product terminology in transaction narrations. Manual re-keying loses the Murabaha or Ijara context and is slow on multi-page statements. Kashfbank converts each PDF in under a minute, preserving the product label, the JOD three-decimal precision, and the running balance.
Jordan Islamic Bank's statement format places the Sharia Supervisory Board reference in the header and lists profit distributions as separate line items. For audit and ISTD filing purposes, this separation matters — investment income reports differently from principal cash movements, and Kashfbank's category tags surface the difference in the Excel.
Columns: date, transaction description, debit (JOD), credit (JOD), balance (JOD). Multi-currency clients have USD and EUR sub-accounts on separate pages within the same PDF. Murabaha and Ijara instalments use longer narration strings than conventional loans; Kashfbank preserves the full narration rather than truncating it. Profit distribution rows are tagged distinctly from operational credits — useful when mapping to chart-of-accounts categories like 'Investment Income' vs 'Operating Revenue'.
Standard Jordanian accounting work covers trial balance reconciliation, ISTD return preparation, and quarterly GST filings for registered businesses.
Bilingual Arabic-English PDF. Islamic product terms appear in transaction narrations: Murabaha, Ijara, Musharaka, Istisna, Mudaraba. JOD balance shown to three decimal places. Sharia supervisory board certification reference printed in the statement header. Profit distributions are listed as separate line items, not embedded in principal payments. Account summary shows opening balance, period movements, closing balance, and cumulative profit for investment accounts.
| Label | Meaning |
|---|---|
| Murabaha Instalment | Monthly cost-plus repayment for Murabaha-financed purchase |
| Profit Distribution | Periodic profit share credited to investment account |
| Ijara Payment | Lease instalment for Ijara (Islamic leasing) contract |
| Zakat Deduction | Annual Zakat amount deducted from savings balance where applicable |
| Salary Credit | Monthly salary deposit |
Rules in Jordan differ — see our country guide
Collect client PDFs
Request the client's full-period JIB statement via JIB Mobile or JIB Online. For the ISTD annual return, January to December of the tax year. For quarterly GST filings, three months of statements per period.
Bulk upload to Kashfbank
Upload all client PDFs in one session. Each file converts independently and is labelled with its source filename, so 12 monthly statements for the same client stay separate in the export.
Verify three-decimal JOD precision
Open each Excel and confirm the JOD column shows three decimals. Many generic CSV tools default to two decimals and round JOD incorrectly; Kashfbank does not. Check the running balance against the PDF closing balance.
Import into your accounting system
The Excel columns (Date, Description, Debit, Credit, Balance, Category) map to QuickBooks, Xero, Zoho Books, and Sage. Some systems require the Date column reformatted from DD/MM/YYYY to local convention; do this once and save a template.
Common challenges
Can Kashfbank process multiple clients' JIB statements in one session?
Yes. Each upload is independent and labelled with the source filename. In a single session you can convert 10 to 20 PDFs across different clients and download each as a separate Excel for filing in the client's working papers.
Does the export preserve the Sharia Supervisory Board reference?
The Sharia board reference and JIB header information are kept in the export's metadata sheet. The transaction rows themselves do not need it, but it is retained for audit trail completeness.
How does Kashfbank handle JIB scanned statements from older accounts?
Older JIB statements scanned at low resolution can drop OCR confidence on faded print. Kashfbank flags low-confidence rows in the Excel for manual review. For most modern JIB Mobile PDF exports, OCR confidence is high.
Do Murabaha instalments map to a specific chart-of-accounts category?
Most Jordanian charts of account treat Murabaha financing as a Long-Term Liability and the monthly instalment as a split between Principal Repayment and Financing Cost. JIB statements do not always split the instalment; request an amortisation schedule from JIB for the split, then map in your accounting system.
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Regulator: Central Bank of Jordan (CBJ)
Fiscal year: Jan 1 – Dec 31
Full country guide →Statement language: Arabic / English