JURNAL IHTIYATH: Jurnal Manajemen Keuangan Syariah (Journal of Islamic Financial Management), provides a forum for publishing the original research articles, review articles from contributors, and the novel technology news related to Islamic economics, banking, and finance.

Research articles dealing with Islamic economics, Islamic banking, Islamic finance, etc. are particularly welcome. The journal encompasses research articles, original research report, reviews, short communications and scientific commentaries in Islamic economics, banking, and finance.

All papers submitted to the journal should be written in good Indonesian or  English language. Authors for whom English is not their native language are encouraged to have their paper checked before submission for grammar and clarity. English language and copyediting services can be provided by: International Science Editing and Asia Science Editing. The work should not have been published or submitted for publication elsewhere. The official language of the manuscript to be published in JURNAL IHTIYATH is Indonesia and English.

Guideline for Online Submission

Author should first register as Author and/or is offered as Reviewer through the following address:

Author should fulfil the form as detail as possible where the star marked form must be entered. After all form textbox was filled, Author clicks on “Register” button to proceed the registration. Therefore, Author is brought to online author submission interface where Author should click on “New Submission”. In the Start a New Submission section, click on “’Click Here’: to go to step one of the five-step submission process”. The following are five steps in online submission process:

  1. Step 1 - Starting the Submission: Select the appropriate section of journal, i.e. Original Research Articles, Review Article, or Short Communication. Thus, author must check-mark on the submission checklists.
  2. Step 2 – Uploading the Submission: To upload a manuscript to this journal, click Browse on the Upload submission file item and choose the manuscript document file to be submitted, then click Upload button.
  3. Step 3 – Entering Submission’s Metadata: In this step, detail authors metadata should be entered including marked corresponding author. After that, manuscript title and abstract must be uploaded by copying the text and paste in the textbox including keywords.
  4. Step 4 – Uploading Supplementary Files: Supplementary file should be uploaded including Covering/Submission Letter, and Signed Copyright Transfer Agreement Form. Therefore, click on Browse button, choose the files, and then click on Upload button.
  5. Step 5 – Confirming the Submission:  Author should final check the uploaded manuscript documents in this step. To submit the manuscript to JURNAL IHTIYATH , click Finish Submission button after the documents is true. The corresponding author or the principal contact will receive an acknowledgement by email and will be able to view the submission’s progress through the editorial process by logging in to the journal web address site.

After this submission, Authors who submit the manuscript will get a confirmation email about the submission. Therefore, Authors are able to track their submission status at anytime by logging in to the online submission interface. The submission tracking includes status of manuscript review and editorial process.

General Author Guidelines

  1. Writing is the author of an original work (no plagiarism) and have never been published or not being in publications in other media;
  2. Scripts can be used Indonesian or English language
  3. Scripts can be conceptual or research results;
  4. The manuscript should contain the scientific information in the fields of economics, management, business and finance;
  5. The rules of writing is as follows

 Structure of conceptual or philosophical manuscript

  1. Title; The title should be short, clear, and informative, but does not exceed 9 words.
  2. Author’s name and institution; The author’s names should be accompanied by the author’s institutions and email addresses, without any academic titles and/or job title.
  3. Abstract and keywords; The abstract should be less than 150 words. The key words should be 2 to 5 phrases.
  4. Introduction; This section explains the background of the study, and aims of the manuscripts. It should be written without numbers and/or pointers.
  5. Theoretical framework; This section explains the theoretical framework that used on this research, a review on the previous research in the area.
  6. Subtitle (related on title)
  7. Discussion
  8. Conclusion; This section concludes and provides policy implications, if any, of the study.
  9. Reference; This section lists only the papers, books, or other types of publications referred in the manuscript.

Structure of field research resulted manuscripts;

  1. Title; The title should be short, clear, and informative, but does not exceed 9 words.
  2. Author’s name and institution; The author’s names should be accompanied by the author’s institutions and email addresses, without any academic titles and/or job title.
  3. Abstract and keywords; The abstract should be less than 150 words. The key words should be 2 to 5 phrases.
  4. Introduction; This section explains the backround of the study, and aims of the manuscripts. It should be written without numbers and/or pointers.
  5. Teoritical framework; This section explains the theoretical framework that used on this research, a review on the previous research in the area.
  6. Methods; This section describes the tools of analysis along with the data and their sources.
  7. Data Analysis;
  8. Discussion; This section explains the results of the study.
  9. Conclusion; This section concludes and provides policy implications, if any, of the study.
  10. Reference; This section lists only the papers, books, or other types of publications referred in the manuscript.

Tabel 1. Potensi Dana Wakaf Tunai Di Sumatera Utara





Besaran Gaji Dibayar

Per Bln (Rp)



Per Bln(Rp)

Potensi Wakaf

Per bln (Rp)

Potensi Wakaf

Per bln (Rp)










1-2 juta

2-5 juta

5-10 juta





20 Miliyar

30 Miliyar

100 Miliyar

100 Miliyar

240 Miliyar

360 Miliyar

1,2 triliyun

1,2 Triliyun





250 Miliyar

3 Triliyun

Sumber: Wawancara dengan Pengeloa/ Nazhir BWI SU tentang Peluang Dana Wakaf di Sumatera Utara

  1. The size of paper, size A4, margins: top 2:54 cm, bottom 2:54 cm, left 4 cm, right 3 cm;
  2. The length of the manuscript between 15 s.d 25 pages, 1.5 spacing, font Times New Roman, size 12;
  3. Citations sentence: the citation a sentence written directly if more than four lines of text separated by a distance of 1 space. While the quote is less than four lines are integrated in the text with a double apostrophe at the beginning and at the end of the citation. Each citation is numbered. System citation is bodynote; bodynote writing is the author's last name and year. Example: (Akmal: 2004).
  4. Bibliography: bibliographical references written in alphabetical order, the author's last name is placed in the front / beginning. Example:

1)      Book, example:

Tarigan, Azhari Akmal. 2004. Reformasi Wakaf: Dari Wakaf Uang Sampai UU Wakaf, Medan: IAIN Press, FKEBI dan BWSU.

Hasanah, Uswatun dan Mustafa Edwin. 2005. Wakaf Tunai, Inovasi Financial Islam: Peluang dan Tantangan dalam Mewujudkan Kesejahteraan Umat. Jakarta: Pusat Kajian Timur Tengah dan Islam UI dan Bank Indonesia.

2)      Journal, example:

Sugianto. 2014. Membangun Lemma Islam Berbasis Qawa’id al-Fiqhiyah (Studi Kasus ad-Dharura Yuzâl). Jurnal EBIS Fakultas Ekonomi dan Bisnis Islam IAIN Langsa, Vol. 1, No. 1, Januari-Juni 2014.

3)      Magazine, example:

Bani, Patria Nur. 1429 H. Mengembangkan Wakaf Produktif Dengan Setulus Hati, Majalah Ekonomi Syariah, Vol. 7, No. 4/1429 H, Jakarta: Majalah Ekonomi Syariah IEF Tri Sakti.

4)      The article cited from the internet, example:

Muhibbin. Paradigma Baru Dalam Pengelolaan dan Pemberdayaan Waka Produktif,http://www.walisongo.ac.id/view/?p=kolom&id=paradigma _baru_pengelolaandanpemberdayaanwakaf_produktif_di_indonesia,(04 Februari 2015).

  1. Conclusion; the article closed with the conclusion
  2.  The use of the Indonesian language. The authors should refer to the provisions of Indonesian well and correctly by spelling Enhanced (EYD);
  3. Guidelines transliteration (from Arabic to Latin)

Transliteration is the effort of copying the alphabet of a language into another language. In this case of course the question is copying the alphabet Arabic into Indonesian alphabet letters. Transliteration is important in order to maintain the authenticity of the Arabic pronunciation, pronunciation mistakes because mistakes can have consequences within the meaning of certain words. Authors should use transliteration in his writings, as for transliteration system used is as follows:

ا = a

خ = kh

ش = sy

غ = gh

ن = n

ب = b

د = d

ص = sh

ف = f

و = w

ت = t

ذ = dz

ض = dh

ق = q

ه = h

ث = ts

ر = r

ط = th

ك = k

ء = `

ج = j

ز = z

ظ = zh

ل = l

ي = ya

ح =

س = s

ع =

م = m


 For a word that has madd (long), used the following system:

â = a long, example, al-islâmiyah

î = i long, example, al-`aqîdah wa al-syarî`ah

û = u long, example al-dustûr

The word that begin with alif lam ( ال well alif lam qamariyah and alif lam syamsiyah), written in a separate way without merging alif lamnya, example al-Râsyidûn, al-syûrâ, al-dawlah. Compound word (idhâfiyah) written in a way split is also in word by word, example Al-Islâm wa Ushûl al-Hukm, al-`Adâlah al-Ijtimâ`iyah. The word of ”Al-Quran” uniform writing, that is al-Qur’an (by letter a small and give the coma [apostrof] after letter r), whereas if in a verse or in the name of the book, then the author following the guidelines of transliteration. As for the names of Arabic author written following the guidelines transliteration, example: al-Mâwardî, Muhammad Iqbâl, Abu al-A`lâ al-Maudûdi, Thâhâ Husein, Mushthafâ Kamâl.

NOTE: It is suggested the use of a reference manager at styling the footnote and the bibliography, such as Zotero, Mendeley, et cetera.

Publication Fee

JURNAL IHTIYATH: Jurnal Manajemen Keuangan Syariah does not charge APCs, submission charges, or another fee. All processes of article publication are free of charge.

Publication Frequency

JURNAL IHTIYATH: Jurnal Manajemen Keuangan Syariah  is published by Department of Syariah Economy, Faculty of Economy and Islamic Business, IAIN Langsa.

JURNAL IHTIYATH: Jurnal Manajemen Keuangan Syariah is published 2 times every year, on June  and December. Each Edition maximum 10 articles 

Submission Preparation Checklist

As part of the submission process, authors are required to check off their submission's compliance with all of the following items, and submissions may be returned to authors that do not adhere to these guidelines.

  1. The submission has not been previously published, nor is it before another journal for consideration (or an explanation has been provided in Comments to the Editor).
  2. The submission file is in OpenOffice, Microsoft Word, RTF, or WordPerfect document file format.
  3. Where available, URLs for the references have been provided.
  4. The text is single-spaced; uses a 12-point font; employs italics, rather than underlining (except with URL addresses); and all illustrations, figures, and tables are placed within the text at the appropriate points, rather than at the end.
  5. The text adheres to the stylistic and bibliographic requirements outlined in the Author Guidelines, which is found in About the Journal.
  6. If submitting to a peer-reviewed section of the journal, the instructions in Ensuring a Blind Review have been followed.


Copyright Notice

Authors who publish with this journal agree to the following terms:

  1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
  2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
  3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).

JURNAL IHTIYATH: Jurnal Manajemen Keuangan Syariah have CC-BY-SA or an equivalent license as the optimal license for the publication, distribution, use, and reuse of scholarly work.

In developing strategy and setting priorities,JURNAL IHTIYATH: Jurnal Manajemen Keuangan Syariah recognize that free access is better than priced access, libre access is better than free access, and libre under CC-BY-SA or the equivalent is better than libre under more restrictive open licenses. We should achieve what we can when we can. We should not delay achieving free in order to achieve libre, and we should not stop with free when we can achieve libre.

JURNAL IHTIYATH: Jurnal Manajemen Keuangan Syariah licensed under a Creative Commons Attribution 3.0 International License

You are free to:

  • Share — copy and redistribute the material in any medium or format
  • Adapt — remix, transform, and build upon the material for any purpose, even commercially.

The licensor cannot revoke these freedoms as long as you follow the license terms.


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Privacy Statement

The names and email addresses entered in this journal site will be used exclusively for the stated purposes of this journal and will not be made available for any other purpose or to any other party.

Open Access Policy


This journal provides immediate open access to its content on the principle that making research freely available to the public supports a greater global exchange of knowledge.

This journal is open access journal which means that all content is freely available without charge to users or / institution. Users are allowed to read, download, copy, distribute, print, search, or link to full text articles in this journal without asking prior permission from the publisher or author. This is in accordance with Budapest Open Access Initiative


Budapest Open Access Initiative

An old tradition and a new technology have converged to make possible an unprecedented public good. The old tradition is the willingness of scientists and scholars to publish the fruits of their research in scholarly journals without payment, for the sake of inquiry and knowledge. The new technology is the internet. The public good they make possible is the world-wide electronic distribution of the peer-reviewed journal literature and completely free and unrestricted access to it by all scientists, scholars, teachers, students, and other curious minds. Removing access barriers to this literature will accelerate research, enrich education, share the learning of the rich with the poor and the poor with the rich, make this literature as useful as it can be, and lay the foundation for uniting humanity in a common intellectual conversation and quest for knowledge.

For various reasons, this kind of free and unrestricted online availability, which we will call open access, has so far been limited to small portions of the journal literature. But even in these limited collections, many different initiatives have shown that open access is economically feasible, that it gives readers extraordinary power to find and make use of relevant literature, and that it gives authors and their works vast and measurable new visibilityreadership, and impact. To secure these benefits for all, we call on all interested institutions and individuals to help open up access to the rest of this literature and remove the barriers, especially the price barriers, that stand in the way. The more who join the effort to advance this cause, the sooner we will all enjoy the benefits of open access.

The literature that should be freely accessible online is that which scholars give to the world without expectation of payment. Primarily, this category encompasses their peer-reviewed journal articles, but it also includes any unreviewed preprints that they might wish to put online for comment or to alert colleagues to important research findings. There are many degrees and kinds of wider and easier access to this literature. By "open access" to this literature, we mean its free availability on the public internet, permitting any users to read, download, copy, distribute, print, search, or link to the full texts of these articles, crawl them for indexing, pass them as data to software, or use them for any other lawful purpose, without financial, legal, or technical barriers other than those inseparable from gaining access to the internet itself. The only constraint on reproduction and distribution, and the only role for copyright in this domain, should be to give authors control over the integrity of their work and the right to be properly acknowledged and cited.

While  the peer-reviewed journal literature should be accessible online without cost to readers, it is not costless to produce. However, experiments show that the overall costs of providing open access to this literature are far lower than the costs of traditional forms of dissemination. With such an opportunity to save money and expand the scope of dissemination at the same time, there is today a strong incentive for professional associations, universities, libraries, foundations, and others to embrace open access as a means of advancing their missions. Achieving open access will require new cost recovery models and financing mechanisms, but the significantly lower overall cost of dissemination is a reason to be confident that the goal is attainable and not merely preferable or utopian.

To achieve open access to scholarly journal literature, we recommend two complementary strategies.

I. Self-Archiving: First, scholars need the tools and assistance to deposit their refereed journal articles in open electronic archives, a practice commonly called, self-archiving. When these archives conform to standards created by the Open Archives Initiative, then search engines and other tools can treat the separate archives as one. Users then need not know which archives exist or where they are located in order to find and make use of their contents.

II. Open-access Journals: Second, scholars need the means to launch a new generation of journals committed to open access, and to help existing journals that elect to make the transition to open access. Because journal articles should be disseminated as widely as possible, these new journals will no longer invoke copyright to restrict access to and use of the material they publish. Instead they will use copyright and other tools to ensure permanent open access to all the articles they publish. Because price is a barrier to access, these new journals will not charge subscription or access fees, and will turn to other methods for covering their expenses. There are many alternative sources of funds for this purpose, including the foundations and governments that fund research, the universities and laboratories that employ researchers, endowments set up by discipline or institution, friends of the cause of open access, profits from the sale of add-ons to the basic texts, funds freed up by the demise or cancellation of journals charging traditional subscription or access fees, or even contributions from the researchers themselves. There is no need to favor one of these solutions over the others for all disciplines or nations, and no need to stop looking for other, creative alternatives.

Open access to peer-reviewed journal literature is the goal. Self-archiving (I.) and a new generation of open-access journals (II.) are the ways to attain this goal. They are not only direct and effective means to this end, they are within the reach of scholars themselves, immediately, and need not wait on changes brought about by markets or legislation. While we endorse the two strategies just outlined, we also encourage experimentation with further ways to make the transition from the present methods of dissemination to open access. Flexibility, experimentation, and adaptation to local circumstances are the best ways to assure that progress in diverse settings will be rapid, secure, and long-lived.

The Open Society Institute, the foundation network founded by philanthropist George Soros, is committed to providing initial help and funding to realize this goal. It will use its resources and influence to extend and promote institutional self-archiving, to launch new open-access journals, and to help an open-access journal system become economically self-sustaining. While the Open Society Institute's commitment and resources are substantial, this initiative is very much in need of other organizations to lend their effort and resources.

We invite governments, universities, libraries, journal editors, publishers, foundations, learned societies, professional associations, and individual scholars who share our vision to join us in the task of removing the barriers to open access and building a future in which research and education in every part of the world are that much more free to flourish.