Ahmad Hudaifah is the lecturer Universitas Semen Indonesia. He finished his bachelor degree at Airlangga University and Master of Economics at International Islamic University Malaysia. Aldrin Herwany is the lecturer at Universitas Padjajara. He finished his bachelor degree at Universitas Riau, Master degree at Universitas Padjajaran, and Ph.D at International Islamic University Malaysia. Bayu Taufiq Possumah is a Ph.D in Islamic economics from Universiti Kebangsaan Malaysia (UKM). Currently, He is a researcher at the Research Center for Islamic Economics and Finance (EKONIS) UKM and lecturer at Tazkia University College of Islamic Economic Indonesia. Dimas Bagus Wiranatakusuma is a lecturer at Universitas Muhammadiyah Yogyakarta. He is also a doctoral student at International Islamic University of Malaysia. He completed his bachelor degree at Airlangga University and master degree at International Islamic University of Malaysia. Erie Febrian is the lecturer at Universitas Padjajaran. He finished his bachelor degree at Universitas Padjajaran, MBA from Indiana University, M.Comm from ABOUT AUTHORS School of Banking and Finance UNSW Australa, and Ph.D from International Islamic University Malaysia. Estu Widarwati is a lecturer ats STIE Sutaatmadja Subang (STIESA). She finished her bachelor degree at Bandung Islamic University, Master degree at Universitas Padjajaran, and PhD students at Universitas Padjajaran Farida Titik Kristanti is a lecturer at Institut Manajemen Telkom. He also as a doctoral student in Management at Universitas Padjajaran Ferdiansyah is researcher at STIE Indonesia. He finished his bachelor degree at STIE Indonesia. Imam Buchari is lecturer at University College Bahrain. He finished his bachelor degree at ABFII Perbanas and MBA in International Islamic University Malaysia. Jarita Duasa is professor at International Islamic University of Malaysa. She completed her bachelor degree at University o Waikato, New Zealand, master degree at International Islamic University of Malaysia, and Ph.D at University of Sheffield, United Kingdom. Ismawati Haribowo is the lecture at UIN Syarif Hidayatullah Jakarta. She finished master degree at Universitas Padjajaran. She also as a researcher on Accounting Studies. Hassanudin Mohd Thas Thaker is a senior lecturer at HELP University Malaysia. He is also a researcher in Islamic banking and finance studies. Muhammad Zazim is lecturer at Al- Mu’min Islamic College. He finished his bachelor degree at AKAKOM and master degree at STPMD Yogyakarta. Muhammad Hakimi Mohd Shafiai is Senior Lecturer at Universiti Kebangsaan Malaysia. He received PhD from Graduate School of Asian and African Area Studies, Kyoto University. He holds a Bachelor Degree and also MA (Shariah & Economics) from University of Malaya. Muniaty Aisyah is the lecturer at UIN Syarif Hidayatullah Jakarta. She finished doctoral degree at Universitas Trisakti. She also as a researcher on Management Studies. Nur Choirul Afif is lecturer at Universitas Jenderal Soedirman. Bachelor Degree at Universitas Padjajaran, Master of Management from Pasundan University and Master of Science from Universitas Padjajaran, and PhD from Universitas Padjajaran. Nurul Hilmiyah is a doctoral student at Universiti Kebangsaan Malaysia. She finished her bachelor degree at Universitas Pancasila dan master degree at Universiti Kebangsaan Malaysia. Shochrul Rohmatul Ajija is the lecturer at Economics Department, Airlangga University. She finished her Bachelor degree at Airlangga University and Master of Economics at International Islamic University Malaysia. Teguh Budiman is doctoral student at Universitas Padjajaran. He also known as Commisioner at Jamkrida West Java. He finished his bachelor degree at IAIN Syeikh Nurjati and Master Degree at Universitas Padjajaran. Uun Sunarsih is a lecturer at STIE Indonesia. She also known as a researcher on Accounting studies. She completed her master degree at Universitas Indonesia. Yee Loon Mun is a researcher at HELP University. He finished his bachelor degree in Busines and Finance at HELP University. Wardhana is the lecturer at Universitas Padjajaran. He finished his bachelor degree at Universitas Padjajaran and master degree at Monash University. COPYRIGHT TRANSFER AGREEMENT Authors submitting a manuscript do so on the understanding that if accepted for publication, copyright of the article shall be assigned to Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) as publisher of this journal. Copyright encompasses exclusive rights to reproduce and deliver the article in all forms and media, including reprints, photographs, microfilms and any other similar reproductions, as well as translations. 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Shabri Abd Majid (Syiah Kuala University–Indonesia) Mehmet Asutay (Durham University Business School–UK) Mohammad Hudaib (Adam Smith Business School, Glasgow Univ., UK) Mokhamad Anwar (Universitas Padjajaran–Indonesia) Monzer Khaf (Qatar Faculty of Islamic Studies, Qatar) Ratno Purnomo (University of General Soedirman–Indonesia) Roszaini Haniffa (Heriot Watt University, United Kingdom) Subandriah (Ministry of Religious Affairs–Indonesia) Unggul Purwohedi (Universitas Negeri Jakarta–Indonesia) GUIDANCE FOR WRITING IN Journal of Al-Iqtishad 1. The manuscripts represent academic research in Islamic economics and Finance discipline. 2. Upon the publication of the manuscript, the author should provide a letter states that the manuscripts have never been, or under consideration to be, published in other journal publications. 3. Structure of the manuscripts a. Title. The title should be short, clear, and informative, but does not exceed 9 words. b. Author’s names and institutions. The author’s names should be accompanied by the author’s institutions and email addresses, without any academic titles and/or job title. c. Abstract and keywords. The abstract should be less than 150 words. The key words should be 2 to 5 phrases. d. Introduction. This section explains the backround of the study, and aims of the manuscripts. It should be written without numbers and/or pointers. e. Literature Review. This section explains the theoretical framework that used on this research, a review on the previous research in the area. f. Methods. This section describes the tools of analysis along with the data and their sources. g. Discussion. This section explains the results of the study. h. Conclusions. This section concludes and provides policy implications, if any, of the study. i. References. This section lists only the papers, books, or other types of publications referred in the manuscript. 4. The authors should provide an index of subject, namely the specific terms in the 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. 5. Estimation result from a software package is not allowed to be directly presented in the paper. They should be presented in equations with the appropriate estimation results. 6. Table format should contain only heading and contents. Please provide the top and bottom lines, along with the line(s) that separate the heading and the contents. Example: AL-IQTISHAD Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) 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 7. Acknowledgment, if any, should be written as the foot-note of the manuscript’s title. 8. The manuscript is prepared in a quarto paper, single-sided, and double-space format. A new paragraph should start 5 characters from the left margin, using 12-size, times-new- romans font type. 9. The manuscript is written in proper English, either British or American English, but not the combination of both, except for special editions. 10. The manuscript should be in no less than 25 pages long. 11. The top and bottom margins are 1 inch. 12. The title is written using capital letters of 14 font size, centre position. 13. Sub titles are written using capital letters, started from the left margin. 14. Sub of sub titles are written using capital letters only at the beginning of each word except for connecting words. They should be started from the left margin. 15. References should be those of the last ten years publication, unless they are key references. 16. Citation in the text body should be written using the family name and years of publication. Example: a. Hill (2001) suggests that the objective of depreciation …. b. According to Kotter (1867), intra industry trade can be … c. Wagner (in McCain, 1982) states that … d. The definition of flypaper effect is … (Wagner, 1976). 17. Tables and figures should be presented as follows: a. The name of tables and figures should follow a numbering system (Arabic numbering system). The names of the tables and figures are on the top and bottom parts of the tables, respectively. b. The tables and figures should provide the source of information, if any, at the bottom part of both. 18. References should be written in alphabetical order, without any number. They should be written using the following criteria: a. For books, the format should follow the following example: Al Arif, M. N. R. 2015. Pemasaran Stratejik Pada Asuransi Syariah. Jakarta: Gramata. b. For papers that are part of a book, the format should follow the following example: Bahl, R. 2000. How to Design a Fiscal Decentralization. in Sahid, Y. (eds.), Local Dynamics in an Era of Globalization, 25-26, London: Oxford University Press. c. For journal/magazine papers, the format should follow the following example: Al Arif, M. N. R. 2012. Efek Multiplier Wakaf Uang dan Pengaruhnya Terhadap Program Pengentasan Kemiskinan. Jurnal Asy-Syir’ah, Vol. 46 (1), January 2012, hlm. 10 – 12. d. For internet references, the format should follow the following example: Kharlie, Ahmad Tholabi. 2006. “Formalisasi Syariat Islam, Mengapa Tidak?”, http//www.ahmadtholabi.wordpress.com, accesed on 17 Maret 2014 e. For magazine, the format should follow the following example: Asa, Syu’bah. 2004 “Pengantin Darah”, dalam Tempo, No. 30/XXX111/20, 20 September 2004 19. Transliteration guidance (from Arabic to latin) Consonant (iاi) = a 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 = i ( ) = î = u ( ) = û Diftong Pembauran aw = (أو) al = (ال) ( ) = ay al-sy = (الش) -wa al = (وال) 20. The manuscript in microsoft word should be sent to iqtishad@uinjkt.ac.id or through online submission at: http://journal.uinjkt.ac.id/index.php/iqtishad/user/register 21. 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