Abdul Razak Abdul Hadi is the lecture from University of Kuala Lumpur, Malaysia. He also as a researcher on Islamic economics and finance studies. Any Setianingrum is doctoral student of Islamic Economics Department at University of Airlangga. She also as a researcher on Islamic economics and finance studies. Burhanuddin Yusuf is the lecture at Syarif Hidayatullah State Islamic University Jakarta. He completedly his doctoral degree at State University of Jakarta (UNJ). Also as a researcher on Islamic Economics and Finance studies. Chandra Warsito is the lecture of IAIN Purwokerto. He also as a researcher on Islamic economics and finance studies. Erika Amelia is the lecture of Syarif Hidayatullah State Islamic University Jakarta. She completedly her master degree at University of Indonesia. Kurniasih finished her bachelor degree ats Syarif Hidayatullah State Islamic University Jakarta. Now she as a researcher on Islamic economics and finance studies. Mahmud is a Lecturer at the STIA Al Karimiyyah Sumenep. Expertise in Islamic Education studies. Muniaty Aisyah is the lecture at Syarif Hidayatullah State Islamic University Jakarta. Shee completedly her doctoral degree at University of Trisakti. Now she as a Head of Management Department at Syarif Hidayatullah State Islamic University Jakarta Nurul Huda is a lecture at Faculty of Economic University of Yarsi. Finished his master degree at University of Indonesia, and Doctoral degree at University of Airlangga. Now he as a Head of Master of Management Department University of Yarsi. Also as a researcher on Islamic economics and finance studies. Rachmad Hidayat is a lecturer at the Industrial Engineering Department, University of Trunojoyo Madura. Rizky Andriati finished the bachelor degree at Jakarta State University (UNJ) and master degree at Middle Eastern and Islamic Studies from University of Indonesia. Also as a reporter on Islamic Economics and Finance. Rizqon Halal Syah Aji, is the lecture at Syarif Hidayatullah State Islamic University Jakarta. He completedly his bachelor degree at Islamic University of Asy-Syafiiyah, and master degree at University of Indonesia. Now he as a Head of Computation Laboratorium at Faculty Economics and Business Syarif Hidayatullah State Islamic University Jakarta. ABOUT AUTHORS Sabarudin Akhmad is a lecture at the Industrial Engineering Department at University of Trunojoyo. He also as a researcher on industrial engineering studies. Tulus Suryanto is the lecture of IAIN Raden Intan Lampung Indonesia. He also as a researcher on Islamic economics and finance studies. ARTICLES AND AUTHORS Vol. VII, No. 1, January 2015 No Name Title Note 1 Titi Dewi Warninda & M. Nadratuzzaman Hosen Mapping and Correlation Analysis of Efficiency and Profitability: The Case of Islamic Rural Bank Lecture of Syarif Hidayatullah State Islamic University Jakarta. Also as a researcher on Islamic Economics and Finance Studies 2 Euis Amalia & Mahmudah Atiqah Evaluating The Models of Sharia Microfinance in Indonesia: Analytical Network Process Approach Lecture of Syarif Hidayatullah State Islamic University Jakarta. Also as a researcher on Islamic Economics and Finance Studies 3 Hardius Usman The Role of Religious Norm on Selecting the Islamic Bank Lecture of Middle East and Islamic Studies Department at University of Indonesia. 4 Suryani & Hendryadi A Developing Model of Relationship Between Service Quality, Customer Satisfaction, Loyalty, and Word of Mouth in Islamic Banking Lecture of STAIN Malikussaleh and Lecture of At-Thahiriyah Islamic University Jakarta 5 Yoghi Citra Pratama Macroeconomic Variable and Its Influence on Performance of Indonesian Islamic Banking Lecture of Syarif Hidayatullah State Islamic University Jakarta 6 Indah Mulia Sari, Hendro Wibowo, & Edy Suprapto Factors That Influenced People to Become Islamic Bank Customer: a Study on Kancana Villagers Lecture of SEBI Islamic Business School. Also as a researcher on Islamic Economics and Finance Studies 7 Irfan Syauqi Beik & Laily Dwi Arsyianti Construction of CIBEST Model As Measurement of Poverty and Welfare Indices From Islamic Perspective Lectures of Agricultural Institute Bogor (IPB). Also as a researcher at CIBEST 8 M. Sabri Haron, Riki Rahman & Bayu T Possumah The Assesment of Inclusiveness Principle of Malaysian New Economic Model: Maqashid Syar’iyyah Perspective Lecturer at Pusat Citra Universiti, Universiti Kebangsaan Malaysia (UKM). Also researcher on Islamic Economics and Finance Studies 9 Abdul Hamid The Impact of Spin-off Policy To The Profitability on Indonesian Islamic Banking Industry Lecture of Syarif Hidayatullah State Islamic University Jakarta. 10 Zuhairan Y. Yunan & Mia Rahmasari Measurement of Shariah Stock Performance Using Risk Adjusted Performance Lecture of Syarif Hidayatullah State Islamic University Jakarta. Researcher at University of Prof. Dr. Hamka (Uhamka) Vol. VII, No. 2, July 2015 No Name Title Note 1 Wiwiek Rabiatul Adawiyah The Impact of Financial Liberalization on Islamic Bank’s Efficiency in Indonesia Lecture of University of Jenderal Soedirman. Also as a researcher on economics and finance studies 2 Rachmad Hidayat, Sabarudin Akhmad, Machmud Effects of Service Quality, Customer Trust, and Customer Religious Commitment on Customer Satisfaction and Loyalty of Islamic Banks in East Java Lecture of Industrial Engineering Department University of Trunojoyo. Lecture of Islamic Education Department, STI Al- Karimiyah 3 Muniaty Aisyah Peer Group Effects on Moslem Consumer’s Decision To Purchase Halal-Labeled Cosmetics Lecture of Syarif Hidayatullah State Islamic University Jakarta. Also as a researcher on Islamic Economics and Finance Studies 4 Rizqon Halal Syah Aji & Kurniasih The Intellectural Capital Effect on Financial Performances at Islamic Insurance Lecture of Syarif Hidayatullah State Islamic University Jakarta. Also as a researcher on Islamic Economics and Finance Studies 5 Tulus Suryanto & Abd Razak Abdul Hadi Capital Market Integration: Palestine and Isreaeli Experience Lecture of IAIN Raden Intan Lampung. Lecture of University of Kuala Lumpur 6 Rizky Andriati & Nurul Huda The Effect of Productive Zakah Mentoring on The Wealth of Mustahik Lecture at University of Yarsi. Researcher on Islamic Economics and Finance Studies 7 Chandra Warsito The Image of Financial Institution as Islamic Bank in Mediation Service Quality and Customer Satisfaction on Customer Loyalty in Purwokerto Lecture at IAIN Purwokerto. Researcher on Islamic Economics and Finance Studies 8 Erika Amelia Financial Ratio and Its Influence to Profitability in Islamic Banks Lecture of Syarif Hidayatullah State Islamic University Jakarta. Also as a researcher on Islamic Banking studies 9 Burhanuddin Yusuf Human Resources Development of Sharia Banking: Phenomenological Approach Lecture of Syarif Hidayatullah State Islamic University Jakarta. Also as a researcher on Islamic Economics and Finance Studies 10 Any Setianingrum Application of Pattern of Islamic State Revenue Policy to Improve The Ability of Indonesia’s Fiscal Doctoral student at Islamic Economics Department at University of Airlangga INDEX Analytical network process ANOVA BOPO Capital adequacy ratio Capital market integration Case study analysis CIBEST model Contemporary group Consumer’s behavior Customer’s loyalty Customer’s satisfaction Customer’s trust Data envelopment analysis Deposit margin Dog quadrant Dummy variable Efficiency Finance Financial liberalization Financial ratio Financing to deposit ratio Fiscal Halal-labeled Historical analysis Human resources Human resources management Image Inclusiveness principles Intellectual capital Islamic bank Islamic insurance Islamic rural bank Loyalty Macroeconomic variables Management Maqashid shariah Marketing New economic model Non performing finance Partial least square Peer group Performance Phenomenological approach Poverty Profitability Prosperity Question-mark quadrant Religious commitments Religious norms Revenue Risk adjusted performance Saving behavior Service quality Shariah compliance Shariah microfinance Shariah stock Sleeper quadrant Spin-off Star quadrant Stock performance Strategy Structural equation model Traditional group Vector auto regressive Vector error correction model Welfare indices Word of mouth Zakah mentoring AL-IQTISHAD Journal of Islamic Economics VGUIDANCE FOR WRITING IN Journal of Al-Iqtishad The manuscripts represent academic research in Islamic economics and Finance disci-1. pline. Upon the publication of the manuscript, the author should provide a letter states that the 2. manuscripts have never been, or under consideration to be, published in other journal publications. Structure of the manuscripts3. Title.a. The title should be short, clear, and informative, but does not exceed 9 words. Author’s names and institutionsb. . The author’s names should be accompanied by the author’s institutions and email addresses, without any academic titles and/or job title. Abstract and keywordsc. . The abstract should be less than 150 words. The key words should be 2 to 5 phrases. Introduction.d. This section explains the backround of the study, and aims of the manuscripts. It should be written without numbers and/or pointers. Literature Review.e. This section explains the theoretical framework that used on this research, a review on the previous research in the area. Methods.f. This section describes the tools of analysis along with the data and their sources. Discussion.g. This section explains the results of the study. Conclusions.h. This section concludes and provides policy implications, if any, of the study. References.i. This section lists only the papers, books, or other types of publications referred in the manuscript. The authors should provide an index of subject, namely the specific terms in the 4. manuscript. The authors should also provide the index of authors, namely the key authors of papers referred in the manuscript. Please write the family name followed by the given name. Estimation result from a software package is not allowed to be directly presented in the 5. paper. They should be presented in equations with the appropriate estimation results. Table format should contains only heading and contents. Please provide the top 6. and bottom lines, along with the line(s) that separate the heading and the contents. Example: Table 1. The Growth of Third Party Fund, Financing and Asset (Billion rupiah) 2009 2010 2011 2012 2013 2014* Fundraising 52.271 76.036 115.415 147.512 174.018 186.608 Financing 46.886 68.181 102.655 147.505 179.284 187.886 Asset 66.090 97.519 145.467 195.018 229.557 244.197 Source: Islamic banking statistics, Bank of Indonesia Acknowledgment, if any, should be written as the foot-note of the manuscript’s title.7. The manuscript is prepared in a quarto paper, single-sided, and double-space format. A 8. new paragraph should start 5 characters from the left margin, using 12-size, times-new- romans font type. The manuscript is written in proper English, either British or American English, but not 9. the combination of both, except for special editions. The manuscript should be in no less than 25 pages long.10. The top and bottom margins are 1 inch.11. The title is written using capital letters of 14 font size, centre position.12. Sub titles are written using capital letters, started from the left margin.13. Sub of sub titles are written using capital letters only at the beginning of each word ex-14. cept for connecting words. They should be started from the left margin. References should be those of the last ten years publication, unless they are key refer-15. ences. Citation in the text body should be written using the family name and years of publica-16. tion. Example: Hill (2001) suggests that the objective of depreciation ….a. According to Kotter (1867), intra industry trade can be …b. Wagner (in McCain, 1982) states that …c. The definition of flypaper effect is … (Wagner, 1976).d. Tables and figures should be presented as follows:17. The name of tables and figures should follow a numbering system (Arabic number-a. ing system). The names of the tables and figures are on the top and bottom parts of the tables, respectively. The tables and figures should provide the source of information, if any, at the bottom b. part of both. References should be written in alphabetical order, without any number. They should be 18. written using the following criteria: For books, the format should follow the following example:a. Al Arif, M. N. R. 2010. Dasar-dasar Pemasaran Bank Syariah. Bandung: Alfabeta. For papers that are part of a book, the format should follow the following example:b. Bahl, R. 2000. How to Design a Fiscal Decentralization. in Sahid, Y. (eds.), Local Dy- namics in an Era of Globalization, 25-26, London: Oxford University Press. For journal/magazine papers, the format should follow the following example:c. Al Arif, M. N. R. 2012. Efek Multiplier Wakaf Uang dan Pengaruhnya Terhadap Pro- gram Pengentasan Kemiskinan. Jurnal Asy-Syir’ah Fakultas Syariah UIN Sunan Kali- jaga Yogyakarta, Vol. 46, No. 1, Januari 2012, hlm. 10 – 12. For internet references, the format should follow the following example:d. Kharlie, Ahmad Tholabi. 2006. “Formalisasi Syariat Islam, Mengapa Tidak?”, http// www.ahmadtholabi.wordpress.com, accesed on 17 Maret 2014 Fore. magazine, the format should follow the following example: Asa, Syu’bah. 2004 “Pengantin Darah”, dalam Tempo, No. 30/XXX111/20, 20 Sep- tember 2004 Transliteration19. guidance (from Arabic to latin) Consonant a = (ا) z = (ز) q = (ق) b = (ب) s = (س) k = (ك) t = (ت) sy = (ش) l = (ل) ts = (ث) sh = (ص) m = (م) j = (ج) dh = (ض) n = (ن) h = (ح) th = (ط) w = (و) kh = (خ) zh = (ظ) h = (ه) d = (د) ‘ = (ع) ’ = (ء) dz = (ذ) gh = (غ) y = (ي) r = (ر) f = (ف) t = ( ة ) Short Vocal Long Vocal ______ = a â = (ـــ ا) ______ = i î = (ـــ ى) ______ = u û = (ـــ و) Diftong Pembauran aw = (أو) al = (ال) ay = (أي) al-sy = (الش) -wa al = (وال) The manuscript in microsoft word should be sent to 20. editor.iqtishad@yahoo.com A brief CV that records full name, academic title, institution, telephone, fax and mobile 21. number should accompany the manuscript. The decision of the manuscript are:22. Accepted without revision, ora. Accepted with minor revision, orb. Accepted with major revision, orc. Rejected.d. Upon the publication of the manuscript in the journal, the author will receive a publica-23. tion proof number and 3 off-prints. 12_konrributor_ok 13_Petunjuk Penulisan_ok