The Journal of Islamic Economics, Banking and Finance is a journal for applied research in development and Islamic economics, aimed at enhancing cooperation among the Islamic institutions, Islamic financial institutions, .researchers, people and students who are interested in Islamic economics and finance The Journal gives special attention to those papers which deal with the potentials for and possibilities of promoting and expanding economic and technical cooperation among various conventional and Islamic financial .institutions of the world The articles in this Journal may be freely quoted or reprinted provided that the source is mentioned and a copy .of the publication containing the quotation or reprint is sent to Islami Bank Training and Research Academy