1.

DUTIES OF AUTHORS

Reporting Standard

Authors must present the original manuscript, not published in any form, and do not submit the same article to other journals until the publisher give an answer regarding the feasibility of the manuscript. Authors should provide accurate and accountable research data. Authors must cite the sources appropriately by considering the content of the manuscript either in the form of written publications and personal interviews. Authors who are discovered to make a major error in their own published works are required to notify the publisher or editor and assist with withdrawal or correction of the manuscript.

Originality, plagiarism and acknowledgement of sources

Authors should adhere to publication requirements that submitted work is original, is not plagiarized, and has not been published elsewhere - fraudulent or knowingly inaccurate statements constitute unethical behavior and are unacceptable. If an author has used the work and/or words of others, that this original is been appropriately cited or quoted and accurately reflects individuals' contributions to the work and its reporting.

Data Access and Retention

Authors may be asked to provide the raw data in connection with a paper for editorial review, and should in any event be prepared to retain such data for a reasonable time after publication.

Ethics

Authors should only submit papers only on work that has been conducted in an ethical and responsible manner and that complies with all relevant legislation.

Disclosure and Conflicts of Interest

All authors should disclose in their manuscript any financial or other substantive conflict of interest that might be construed to influence the results or interpretation of their manuscript. All sources of financial support for the project should be disclosed.

Authorship of the Paper

Authorship should be limited to those who have made a significant contribution to the conception, design, execution, or interpretation of the reported study. All those who have made significant contributions should be listed as co-authors. Where there are others who have participated in certain substantive aspects of the research project, they should be acknowledged or listed as contributors. The corresponding author should ensure that all appropriate co-authors and no inappropriate co-authors are included on the paper, and that all co-authors have seen and approved the final version of the paper and have agreed to its submission for publication.

Multiple, Redundant or Concurrent Publication

An author should not in general publish manuscripts describing essentially the same research in more than one journal or primary publication. Submitting the same manuscript to more than one journal concurrently constitutes unethical publishing behavior and is unacceptable.

Fundamental errors in published works

When an author discovers a significant error or inaccuracy in his/her own published work, it is the author's obligation to promptly notify the journal editor or publisher and cooperate with the editor to retract or correct the paper. If the editor or the publisher learns from a third party that a published work contains a significant error, it is the obligation of the author to promptly retract or correct the paper or provide evidence to the editor of the correctness of the original paper.

2.

DUTIES OF EDITOR IN CHIEF, AND EDITORS

The Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan has an editorial team consisting of  an editor-in-chief, and board of editors. They all are required to be accountable and responsible editors for publishing the Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan article. The Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan editors led by the editor-in-chief. The Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan editors have a duty and responsible as follows: Editor-in-Chief and Board of Editors accept articles submitted by the author to the Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan.

1. Editor-in-Chief and Board of Editors accept articles submitted by the author to the Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan.
2. Articles submitted by the authors to the Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan are distributed by the Editor-in-Chief to the editors in the Board of Editors for conducting the 1^st review process (initial review). Distribution of the articles are well-regulated by the Editor-in-Chief so workload can be fairly distributed in number to all editors. Review process Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan using a double-blind peer-review system, performed by using the Referee's Appraisal Form.
3. Editor-in-Chief is responsible for determining the deadline for receipt of articles that are ready for publication.
4. Editor-in-Chief is responsible for implementing and leading the editorial board meeting. Editorial board meetings conducted at least 1 (one) times in 1 (one) issue, to finalize the issue for publication. If the Editor-in-Chief is absent, then Editor-in-Chief can assign the Managing Editor or one of editors to do the duties.

Justice:

A decision to publish an article is done through the mechanism of peer-review processs stated above, and it is taken into account based on the quality of article. The decision was taken without considering the religion, ethnic origin, nationality, race or gender of the author.

Confidentiality:

Confidentiality of the article before publication maintained as well as possible. The Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan editors cannot release any information available on the article to anyone except the author of the article. Information in a text can be released to others Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan editor with the knowledge of the Editor-in-Chief, or Managing Editor.

Disclosure and conflict of interest:

Articles and the materials related to the article that are not accepted for publication in Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan must be returned to the authors, and it cannot be used by the Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan editors for any reason. To avoid conflicts of interest, the decision was taken in publishing the articles should be fair and based on the peer-review process.

3.

DUTIES OF REVIEWERS

Contribution to Editorial Decisions:

Evaluation Reviewers become the main reference for the Editor-in-Chief in making editorial decisions. Evaluation results from the reviewers are really intended to help the author to improve the quality of the article.

Promptness:

Any selected referee who feels unqualified to review the research reported in a manuscript or knows that its prompt review will be impossible should notify the editor and excuse himself from the review process

Confidentiality:

Each article is accepted by the reviewer must be strictly confidential. Article and peer-reviewed results should not be submitted directly to the author, or communicated to other than the author, but it must be submitted to the editor in charge, Editor-in-Chief or the Managing Editor.

Standards of Objectivity

Reviews should be conducted objectively. Personal criticism of the author is inappropriate. Referees should express their views clearly with supporting arguments.

Acknowledgement of Sources

Reviewers should identify relevant published work that has not been cited by the authors. Any statement that an observation, derivation, or argument had been previously reported should be accompanied by the relevant citation. A reviewer should also call to the editor's attention any substantial similarity or overlap between the manuscript under consideration and any other published paper of which they have personal knowledge.

Disclosure and Conflict of Interest

Privileged information or ideas obtained through peer review must be kept confidential and not used for personal advantage. Reviewers should not consider manuscripts in which they have conflicts of interest resulting from competitive, collaborative, or other relationships or connections with any of the authors, companies, or institutions connected to the papers

4.

PUBLISHER

It is committed to ensure that commercial interest has no impact or influence on editorial decisions. In addition, Al-Masraf will assist in communications with other journals where this is useful to the authors. Finally, we are working closely with all related divisions to set standards for best practices on ethical matters, errors and retractions--and are prepared to provide specialized legal review and counsel if necessary.