ABOUT AUTHORS Abdul Aziz is the researcher at State Islamic University (UIN) Syarif Hidayatullah Jakarta. He completed his bachelor degree from State Islamic University (UIN) Syarif Hidayatullah Jakarta. Abdul Qoyum is a lecturer at State Islamic University (UIN) Sunan Kalijaga, Yogyakarta. He also as a researcher on Islamic Economics and finance studies. Abdul Rafay is working in Shariah compliance Department of Soneri Bank Pakistan. His research interest is in banking studies. Afzal Ahmed is Faculty member at SZABIST in the department of management science. His research interest is management studies. Ahsan Israr is manager operation from Allied Bank, Pakistan. He finished his Master in Accounting and Finance from Lahore School of Accounting and Finance, The University of Lahore, Pakistan. Ali Khaled Al Khalifa is a member of Bahrain’s ruling family. He obtained his MBA in Islamic Banking and Finance and BBA in Islamic Banking and Finance from University College of Bahrain. He is currently working in Retail Banking Supervision Directorate, the Central Bank of Bahrain. Ascarya is a senior researcher at Bank of Indonesia. He finished his MSc in Management Information System and MBA in finance from the University of Pittsburgh. Fahad Ahmed Qureshi is a researcher at CAPS, Arizona State University. He finished his Ph.D. in Islamic Jurisprudence from Al Jamia Mazahir Ul Uloom, Pakistan. Farhan Ahmed is Faculty member at SZABIST in the department of management sciences. His research interest is management studies. Hassanudin Mohd Thas Thaker is a senior lecturer at HELP University Malaysia. He is also a researcher in Islamic banking and finance studies. Ibnu Qizam is a lecturer at State Islamic University (UIN) Sunan Kalijaga, Yogyakarta. He also as a researcher on Islamic Economics and finance studies. Jaenal Effendi is a lecturer at Bogor Agricultural University. He also as a researcher on Islamic Economics and finance studies. He finished his Ph.D. from The Georg August University Goettingen, Germany. Jamshaid Anwar Chattha is a regulator and qualified chartered Islamic finance professional that possess both risk management skills and 10+ years of direct Islamic financial sector experience. Currently, he is working as Chief Financial Analyst and Islamic Finance Expert in the Central Bank of Kuwait. Dr. Chattha holds a Ph.D. in Islamic Banking and Finance from IIUM. He holds a BSc, MBA –Finance, an MSc–Islamic Finance, and a CIFP with distinctions. Mohammad Nazim Uddin is the associate professor at International Islamic University Chittagong, Bangladesh. He also as a researcher on Islamic Economics and finance studies. He gained his Ph.D., Master of Philosophy (M.Phil), and Master of Business Administration (MBA) from Chittagong University, Bangladesh. Monir Ahmmed is associate professor at International Islamic University Chittagong, Bangladesh. He also as a researcher on Islamic Economics and finance studies. Mubeen Butt is the lecturer at School of Islamic Economics, Business, and Finance, Minhaj University Lahore, Pakistan. He finished his M.Phil in Islamic Banking and Financial Economics from University of Management and Technology Lahore, Pakistan. Muhammad Rizky Prima Sakti is a researcher in ISEFID (Islamic Economics Forum for Indonesian Development). He is a Ph.D. candidate in Management of Technology from Universiti Teknologi Malaysia. Muhammad Syafii Antonio is a lecturer at Tazkia University College of Islamic Economics. He graduated from the faculty of the Shariah University of Jordan and attached informally to Islamic Studies at Al Azhar University Cairo. He earned Master of Economics from International Islamic University Malaysia and Ph.D. from the University of Melbourne in Micro Finance. Murniati Mukhlisin is a lecturer at Tazkia University College of Islamic Economics. She became Affiliate Staff at University of Glasgow after completing her Ph.D. in 2014 and then joined Essex Business School, University of Essex, Colchester, the UK from 2015 to 2017. She earned her degree in Islamic Accounting from the International Islamic University of Malaysia (undergraduate), Universitas Indonesia (postgraduate), and the University of Glasgow, United Kingdom (Ph.D.) Niken Iwani Surya Putri is an academic staff at the Faculty of Economics and Business Universitas Indonesia (FEB UI). She is a junior researcher at the Centre for Islamic Economic and Business FEB UI. She gained her MSc from Erasmus University Rotterdam and her bachelor degree from Faculty of Economics and Business, Universitas Indonesia. Nurul Huda is a lecturer at the University of Yarsi. He finished his Doctoral Degree at Airlangga University. He also as a researcher on Islamic Economics and finance studies. Raditya Sukmana is the lecturer at Islamic Economics Department, Airlangga University. He also as a researcher on Islamic Economics and finance studies. Rahmatina Awaliyah Kasri is the Director of Islamic Economics Undergraduate Program at the Faculty of Economics and Business Universitas Indonesia (FEB UI). She gained her Ph.D. from Durham University UK, MBA Islamic Banking & Finance from the International Islamic University of Malaysia, MA from Australian National University and BA in Economics from FEB UI. Siti Fatimah Zahra is a researcher at Graduate School of Tazkia University. She finished her master degree from Graduate School of Tazkia University. Sutan Emir Hidayat is a lecturer at Univesity College of Bahrain. His research interest includes Islamic banking studies. He is is currently the Head of Business Administration and Humanities Department at University College of Bahrain. Syed Musa Alhabshi is an Associate Professor in Institute of Islamic Banking and Finance, IIUM and Dean of Institute of Islamic Banking and Finance, IIUM, and Dean of Graduate School of Business, University Tun Abdul Razak (2012-2013). He has a Diploma in Business Studies (1984) from Ngee Ann Polytechnic, a Bachelor in Business Administration (1989) from the International Islamic University of Malaysia and a Doctorate in Business Administration (1994) majoring in Accounting and Finance from University of Strathclyde, UK. Yoghi Citra Pratama is a lecturer at State Islamic University (UIN) Syarif Hidayatullah Jakarta. He also as a researcher on Islamic Economics and finance studies. He gained his master degree in Islamic Economics and Finance from Universitas Indonesia. 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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. 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