To be accepted and published by the Journal of Islamic Banking and Finance Science, authors who submit article manuscripts must pass all stages of review. By submitting the manuscript, the author agrees to the following terms :

1. The author guarantees that the article is original and has never been published. Contains no illegal statements, authorizes co-authors to make this agreement, does not infringe the rights of others, is subject to copyright owned solely by the author, Written permission to quote from other sources obtained from the author that they are free from third party rights;
2. The copyright of accepted articles will be assigned to Jurnal Ilmu Perbankan dan Keuangan Syariah as the journal publisher. The copyright includes the right to publish the article in various forms (including reprints). Jurnal Ilmu Perbankan dan Keuangan Syariah retains the publishing rights to the published article;
3. Authors are permitted and encouraged to distribute published articles by sharing the article link or DOI and posting their work online, as this may lead to a more productive and effective exchange of knowledge from the published work. Authors are allowed to use their articles for any legal purpose deemed necessary without written permission from Jurnal Ilmu Perbankan dan Keuangan Syariah with acknowledgment of the journal's initial publication;
4. The author acknowledges that all published articles will be free for anyone to view and download;

All articles in the Journal of Islamic Banking and Finance Science are licensed under a Creative Commons Attribution-NonCommercial 4.0 International License. This means that readers can share (copy and redistribute the material in any medium or format) and adapt (mix, change and build on the material). Under the following conditions:

1. This license requires the reuser/reader to give credit to the author. It allows the re-user to distribute, remix, adapt and build upon the material in any medium or format for non-commercial purposes only;
2. The license permits unrestricted downloading, reuse, reprinting, modification, distribution, and copying of the article without permission from the author or publisher, provided the original author and source are acknowledged;

The licensor cannot revoke this freedom as long as you follow the license terms.