ISTIKHLAF: Jurnal Ekonomi, Perbankan dan Manajemen Syariah the journal is published by Faculty of Economics and Islamic Business, Islamic Institute of Religion Yasni Bungo, Jambi Indonesia. It’s dedicated for the publication of scientific articles  in Islamic Economics, Islamic Banking and Management. The languages used in this journal are Indonesia, English and Arabic. This journal is published twice a year, October and April in printed and online version. The editors receive scientific articles of academics, lecturers, and researchers who have never been published by other Journals.