Integrating Islamic Values into HR Practices to Combat Fraud in Islamic Finance
Abstract
The rapid growth of Islamic financial institutions has highlighted the need for HR practices that integrate Islamic values, particularly in preventing fraud. This study investigates the relationships between recruitment, selection, trustworthy human resources (HR), and fraud-free systems within Islamic financial institutions. Using Structural Equation Modeling (SEM) with SmartPLS 4, the study tests the direct and indirect effects of recruitment and selection on fraud prevention through trustworthy HR. The results show that both recruitment and selection significantly influence the formation of trustworthy HR, which in turn reduces the risk of fraud. The study also finds that trustworthy HR mediates the relationship between recruitment, selection, and fraud prevention. The research highlights the importance of aligning recruitment and selection strategies with Islamic ethical principles to ensure the development of a trustworthy workforce. The findings contribute to the literature on Islamic HRM by offering a model that links HR practices to fraud prevention. This study suggests that HR managers in Islamic financial institutions should prioritize value-based recruitment and selection processes, along with ongoing ethical training, to foster a culture of integrity and transparency. Future research could examine the role of other organizational factors, such as leadership and external regulations, in preventing fraud.
References
Abdullah, O. Y., Shaharuddin, A., Wahid, M. A., & Harun, M. S. (2024). AI Applications for Fiqh Rulings in Islamic Banks – Shariah Committee Acceptance. Isra International Journal of Islamic Finance, 16(1), 111–126. https://doi.org/10.55188/ijif.v16i1.685
Afrida, Y., Rivai, H. A., Syahrul, L., & Lukito, H. (2024). Readiness to Change in Islamic Banking: The Significance of Adaptability and Islamic Work Ethics. Journal of Islamic Marketing, 15(12), 3445–3463. https://doi.org/10.1108/jima-11-2023-0357
Ahmad, N., Bello, H. S., & Hassan, Y. J. (2020). The Islamic Finance Industry and Grand Potential for Growth in the Contemporary Economy: Arousal for Dual Finances in Nigeria. Shanlax International Journal of Commerce, 8(2), 1–9. https://doi.org/10.34293/commerce.v8i2.2421
Ahmed, M. H. (2023). A Review: Credit Card Fraud Detection in Banks Using Machine Learning Algorithms. https://doi.org/10.14293/s2199-1006.1.sor-.ppfi7p0.v2
Ahmmed, M. J., Rahman, M., Das, A. C., Das, P., Pervin, T., Afrin, S., Tisha, S. A., Hassan, M. M., & Rahman, N. (2024). Comparative Analysis of Machine Learning Algorithms for Banking Fraud Detection: A Study on Performance, Precision, and Real-Time Application. Ijcsis, 09(11), 31–44. https://doi.org/10.55640/ijcsis/volume09issue11-04
Airout, R. M., Rahman, M. M., & Mustafa, J. A. (2025). HRM and Corporate Islamic Finance: A Hybrid Literature Review From the Web of Science Database. Human Systems Management, 44(5), 743–763. https://doi.org/10.1177/01672533251322395
Ajuna, L. H. (2021). The Relevance of Islamic Religiosity, Islamic Work Ethics, and Job Satisfaction of Employees in Islamic Financial Institutions in Gorontalo. Al-Iqtishad Journal of Islamic Economics, 13(1), 137–150. https://doi.org/10.15408/aiq.v13i1.17052
Alam, Md. K., Rahman, S. A., Tabash, M. I., Thakur, O. A., & Hosen, S. (2021). Shariah Supervisory Boards of Islamic Banks in Bangladesh: Expected Duties and Performed Roles and Functions. Journal of Islamic Accounting and Business Research, 12(2), 258–275. https://doi.org/10.1108/jiabr-02-2020-0035
Alhammadi, S. (2022). Analyzing the Role of Islamic Finance in Kuwait Regarding Sustainable Economic Development in COVID-19 Era. Sustainability, 14(2), 701. https://doi.org/10.3390/su14020701
Ammar, A. (2023). Performance Assessment of Islamic Banks in the Light of Maqasid Al-Shariah: A Global Evidence. International Journal of Islamic Banking and Finance Research, 20–31. https://doi.org/10.46281/ijibfr.v11i2.2124
Anisykurlillah, I., Jayanto, P. Y., Mukhibad, H., & Widyastuti, U. (2020). Examining the Role of Sharia Supervisory Board Attributes in Reducing Financial Statement Fraud by Islamic Banks. Banks and Bank Systems, 15(3), 106–116. https://doi.org/10.21511/bbs.15(3).2020.10
Antwi, B. O., Adelakun, B. O., & Eziefule, A. O. (2024). Transforming Financial Reporting With AI: Enhancing Accuracy and Timeliness. International Journal of Advanced Economics, 6(6), 205–223. https://doi.org/10.51594/ijae.v6i6.1229
Ardiansyah, M., Dana, L., & Raten, V. (2024). Entrepreneurship of Islamic Business Management Students in Post-Graduation Business Practices. Iijb, 1(3), 223–233. https://doi.org/10.62569/iijb.v1i3.40
Arifardhani, Y., Ahmat, N. H. C., & Mukri, Moh. (2025). The Role of Law in AI-Based Business Ecosystems: A Contextualized Perspective From Islamic Law. Jurnal Ilmiah Mizani Wacana Hukum Ekonomi Dan Keagamaan, 12(1), 284. https://doi.org/10.29300/mzn.v12i1.6961
Arsyad, I., Kharisma, D. B., & Wiwoho, J. (2025). Artificial Intelligence and Islamic Finance Industry: Problems and Oversight. International Journal of Law and Management. https://doi.org/10.1108/ijlma-07-2024-0236
Baloch, B. A., & Chimenya, A. (2023). Ethical Dimensions of Islamic Finance and Their Relevance in Contemporary Business Practices. International Journal of Islamic Banking and Finance Research, 32–39. https://doi.org/10.46281/ijibfr.v11i2.2125
Barafwala, N., & Mehta, A. (2023). Shariah-Compliant Finance: An Analysis of the Islamic Financial Services Industry. International Journal of Management Public Policy and Research, 2(4), 88–94. https://doi.org/10.55829/ijmpr.v2i4.195
Bas, M. B., Rhamadhani, R. F., Anggraeni, R. N., Darmawan, I. P. E., & Djuri, P. A. (2025). Artificial Intelligence and Financial Regulation in Indonesia’s Islamic Banking. Paradoks Jurnal Ilmu Ekonomi, 8(3), 1174–1187. https://doi.org/10.57178/paradoks.v8i3.1519
Boudawara, Y., Toumi, K., Wannes, A., & Hussainey, K. (2023). Shari’ah Governance Quality and Environmental, Social and Governance Performance in Islamic Banks. A Cross-Country Evidence. Journal of Applied Accounting Research, 24(5), 1004–1026. https://doi.org/10.1108/jaar-08-2022-0208
Bugshan, A., & Bakry, W. (2023). Does Being Shariah-Compliant Affect Capital Structure Decision: Evidence From Emerging Markets. Journal of Islamic Accounting and Business Research, 16(1), 107–124. https://doi.org/10.1108/jiabr-10-2022-0259
Caniago, S. A., & Mustoko, D. (2020). The Effect of Islamic Work Ethics on Organizational Commitment, Job Satisfaction, and Turnover Intentions of Islamic Microfinance in Pekalongan. International Journal of Islamic Business and Economics (Ijibec), 4(1), 30–39. https://doi.org/10.28918/ijibec.v4i1.1571
Dey, R. (2025a). Applications of Machine Learning in Islamic Finance. Journal of Information Systems Engineering & Management, 10(26s), 794–804. https://doi.org/10.52783/jisem.v10i26s.4286
Dey, R. (2025b). The Application of Predictive Learning in Islamic Finance. Journal of Information Systems Engineering & Management, 10(26s), 805–815. https://doi.org/10.52783/jisem.v10i26s.4287
Faraji, M. R., Shikder, F., Hasan, Md. H., Islam, Md. M., & Akter, U. K. (2024). Examining the Role of Artificial Intelligence in Cyber Security (CS): A Systematic Review for Preventing Prospective Solutions in Financial Transactions. International Journal of Religion, 5(10), 4766–4782. https://doi.org/10.61707/7rfyma13
Firnando, H. G., & Wahyudi, M. (2024). The Role of Artificial Intelligence in Shaping the Islamic Worldview of the Digital Economy. Journal of Islamic Economics and Philanthropy, 6(3), 231–249. https://doi.org/10.21111/jiep.v6i3.11386
Hamadou, I., Yumna, A., Hamadou, H., & Jallow, M. S. (2024). Unleashing the Power of Artificial Intelligence in Islamic Banking: A Case Study of Bank Syariah Indonesia (BSI). Mf, 2(1), 131–144. https://doi.org/10.61351/mf.v2i1.116
Hartanto, S., Suparyanto, T., & Azwar, A. (2023). Islamic Finance Practices in Micro, Small, and Medium Enterprises in Indonesia: A Systematic Literature Review. Keuangan Islam Dan Peran Kesejahteraan, 435–464. https://doi.org/10.20885/millah.vol22.iss2.art6
Harti, S. (2024). Catalyzing Ethical Business Practices: Exploring the Role of Islamic Finance in Contemporary Markets. International Journal of Business Law and Education, 5(2). https://doi.org/10.56442/ijble.v5i2.663
Hasan, A. N., Abdul-Rahman, A., & Yazid, Z. (2020). Shariah Governance Practices at Islamic Fund Management Companies. Journal of Islamic Accounting and Business Research, 11(2), 309–325. https://doi.org/10.1108/jiabr-03-2017-0045
Hasan, Z. (2016). From Legalism to Value-Oriented Islamic Finance Practices. Humanomics, 32(4), 437–458. https://doi.org/10.1108/h-07-2016-0051
Hernawati, N., Maemunah, M., & Mafruhat, A. Y. (2024). Fraud Prevention: Effectiveness of Sharia Governance in Sharia Banks. Kne Social Sciences. https://doi.org/10.18502/kss.v9i24.16859
Ismaeil, M. K. A. (2024). Harnessing AI for Next-Generation Financial Fraud Detection: A Data-Driven Revolution. Journal of Ecohumanism, 3(7), 811–821. https://doi.org/10.62754/joe.v3i7.4248
Ismail, M., Jan, S., & Ullah, K. (2020). Assessing Shariah Disclosure in Pakistan: The Case of Islamic Banks. Business & Economic Review, 12(2), 1–18. https://doi.org/10.22547/ber/12.2.1
Jain, N., & Patil, S. (2024). Artificial Intelligence Models for Fraud Detection: Advancements, Challenges, and Future Prospects. https://doi.org/10.21428/e90189c8.6d8ab5f6
Jatmiko, W., Iqbal, A., & Ebrahim, M. S. (2023). On the Ethicality of Islamic Banks’ Business Model. British Journal of Management, 35(1), 115–136. https://doi.org/10.1111/1467-8551.12703
Karim, N. A., Muhamat, A. A., Jaafar, M. N., Bakar, M. A., & Kassim, S. (2024). Non-Shariah Compliance Risks (NCR) and the Danger of Potential Fraud in the Islamic Financial Institutions: A Conceptual Framework. Information Management and Business Review, 16(3(I)S), 572–578. https://doi.org/10.22610/imbr.v16i3(i)s.4084
Kaur, B., Sood, K., & Grima, S. (2022). A Systematic Review on Forensic Accounting and Its Contribution Towards Fraud Detection and Prevention. Journal of Financial Regulation and Compliance, 31(1), 60–95. https://doi.org/10.1108/jfrc-02-2022-0015
Khalil, A., & Taktak, N. B. (2020). The Impact of the Shariah Board’s Characteristics on the Financial Soundness of Islamic Banks. Journal of Islamic Accounting and Business Research, 11(10), 1807–1825. https://doi.org/10.1108/jiabr-08-2018-0127
Kismawadi, E. R. (2024). Sustainable Islamic Financial Inclusion. 237–258. https://doi.org/10.4018/979-8-3693-1565-1.ch013
Kismawadi, E. R. (2025a). Artificial Intelligence in Islamic Finance. 101–122. https://doi.org/10.4018/979-8-3373-0129-7.ch004
Kismawadi, E. R. (2025b). Human-Centric AI in Islamic Finance. 319–338. https://doi.org/10.4018/979-8-3693-8009-3.ch015
Kılıç, G. (2023). The Emergence of Islamic Fintech and Its Applications. International Journal of Islamic Economics and Finance Studies. https://doi.org/10.54427/ijisef.1328087
Kuanova, L., Sagiyeva, R., & Shirazi, N. S. (2021). Islamic Social Finance: A Literature Review and Future Research Directions. Journal of Islamic Accounting and Business Research, 12(5), 707–728. https://doi.org/10.1108/jiabr-11-2020-0356
Lai, G. (2023). Artificial Intelligence Techniques for Fraud Detection. https://doi.org/10.20944/preprints202312.1115.v1
Latip, M. (2024). Customer Innovativeness in the Adoption of Islamic Banking in Malaysia. International Social Science Journal, 74(254), 1463–1486. https://doi.org/10.1111/issj.12523
Lelis, C. P., Muega, N. P. S., & Caballero, J. K. T. (2023). Exploring the General Knowledge of Islamic Finance Principles - A Factor Analysis Study Among College Students. American Journal of Economics and Business Innovation, 2(3), 61–67. https://doi.org/10.54536/ajebi.v2i3.2032
Lestari, R., Nurfahmiyati, N., Oktaroza, M. L., Hasanah, L. A. N., & Pratiwi, L. S. (2023). Effectiveness of the Implementation of Islamic Work Ethics (Core Values AKHLAK) at Bank Syariah Indonesia (BSI) in Bandung in Improving Employee Performance. Kne Social Sciences. https://doi.org/10.18502/kss.v8i18.14287
Liestyowati, L. (2024). Islamic Ethics in Business and Finance: Implication for Corporate Governance and Responsibility. Count, 1(3), 195–213. https://doi.org/10.62207/h5emhx78
Mansoor, M., Ellahi, N., Hassan, A., Malik, Q. A., Waheed, A., & Ullah, N. (2020). Corporate Governance, Shariah Governance, and Credit Rating: A Cross-Country Analysis From Asian Islamic Banks. Journal of Open Innovation Technology Market and Complexity, 6(4), 170. https://doi.org/10.3390/joitmc6040170
Marlina, M., & Ulya, Y. A. (2024). Communication Strategies in Islamic Da’wah Opportunities and Challenges in the Era of Artificial Intelligence. Fijc, 1(2), 121–130. https://doi.org/10.62569/fijc.v1i2.35
Masruki, R., Hanefah, M. M., & Dhar, B. K. (2020). Shariah Governance Practices of Malaysian Islamic Banks in the Light of Shariah Compliance. Asian Journal of Accounting and Governance, 13. https://doi.org/10.17576/ajag-2020-13-08
Mbaidin, H. O., & Alomari, K. M. (2024). The Critical Success Factors (CSF) of Blockchain Technology Effecting Excel Performance of Banking Sector: Case of UAE Islamic Banks. International Journal of Data and Network Science, 8(1), 289–306. https://doi.org/10.5267/j.ijdns.2023.9.024
Misanam, M., & Widarjono, A. (2024). Market Concentration, Bank Characteristics, Macroeconomic Conditions, and Indonesian Islamic Bank Financing. Muqtasid Jurnal Ekonomi Dan Perbankan Syariah, 14(2), 165–184. https://doi.org/10.18326/muqtasid.v14i2.165-184
Mohammad, N., Imran, M. A. U., Prabha, M., Sharmin, S., & Khatoon, R. (2024). Combating Banking Fraud With It: Integrating Machine Learning and Data Analytics. The American Journal of Management and Economics Innovations, 6(7), 39–56. https://doi.org/10.37547/tajmei/volume06issue07-04
Mohan, M. B. R. (2024). Ai in Fraud Detection: Evaluating the Efficacy of Artificial Intelligence in Preventing Financial Misconduct. Jes, 20(3s), 1332–1338. https://doi.org/10.52783/jes.1508
Mughoyaroh, S., Rahmatika, A. N., & Widyaningsih, B. (2025). Navigating AI Integration in Islamic Enterprises: A Qualitative SWOT Perspective. Ekbis Jurnal Ekonomi Dan Bisnis, 9(1), 1–21. https://doi.org/10.14421/ekbis.2025.9.1.2520
Muhammad, Muhd. R., Yahuza, H. U., Aleshilonye, M. F., & Idebi, A. A. (2024). Islamic Finance and Economic Growth: Empirical Evidence From Panel ARDL Approach. 27–45. https://doi.org/10.47260/amae/1512
Musa, M. A., Sukor, M. E. A., Ismail, M. N., & Elias, M. R. F. (2020). Islamic Business Ethics and Practices of Islamic Banks. Journal of Islamic Accounting and Business Research, 11(5), 1009–1031. https://doi.org/10.1108/jiabr-07-2016-0080
Mutemi, A., & Bação, F. (2024). E-Commerce Fraud Detection Based on Machine Learning Techniques: Systematic Literature Review. Big Data Mining and Analytics, 7(2), 419–444. https://doi.org/10.26599/bdma.2023.9020023
Nahar, J., Jahan, N., Shorna, S. A., & Joy, Z. H. (2024). https://allacademicresearch.com/index.php/AJSTEME/article/view/89. Ajsteme, 4(3), 63–74. https://doi.org/10.69593/ajsteme.v4i03.89
Odeyemi, O., Mhlongo, N. Z., Nwankwo, E. E., & Soyombo, O. T. (2024). Reviewing the Role of AI in Fraud Detection and Prevention in Financial Services. International Journal of Science and Research Archive, 11(1), 2101–2110. https://doi.org/10.30574/ijsra.2024.11.1.0279
Olabanji, S. O., Olaniyi, O. O., & Olagbaju, O. O. (2024). Leveraging Artificial Intelligence (AI) and Blockchain for Enhanced Tax Compliance and Revenue Generation in Public Finance. Asian Journal of Economics Business and Accounting, 24(11), 577–587. https://doi.org/10.9734/ajeba/2024/v24i111577
Osman, R., & Rahman, N. A. (2022). Perception on Shariah Governance Attributes and Information Technology Towards Fraud Prevention and Detection Activities in Malaysian Islamic Banks. International Journal of Academic Research in Accounting Finance and Management Sciences, 12(4). https://doi.org/10.6007/ijarafms/v12-i4/15552
Posumah, N. H. (2024). A Comprehensive Review of Literature on the Dynamics of Islamic Finance: Global Growth and Challenges. Productivity, 1(2), 189–197. https://doi.org/10.62207/hkzwth75
Ranković, M., Gurgu, E., Martins, O., & Vukasović, M. (2023). Artificial Intelligence and the Evolution of Finance: Opportunities, Challenges and Ethical Considerations. Edtech Journal, 3(1), 20–23. https://doi.org/10.18485/edtech.2023.3.1.2
Raza, M., & Zaman, S. U. (2025). Fintech Innovation for the Assessment of Total Risk Accessibility of Weighted Assets in Islamic Banking. Jpehss, 3(1), 74–97. https://doi.org/10.63163/jpehss.v3i1.285
Reskino, R., Mohamed, I. S., Mohamed, N., & Sulistyowati, E. (2023). Islamic Work Ethics, Good Corporate Governance Practices and Fraudulent Financial Statements. Asia-Pacific Management Accounting Journal, 18(2), 79–112. https://doi.org/10.24191/apmaj.v18i2-04
Rosli, N. ‘., Haron, H., & Shaharudin, M. S. (2023). The Relationship Between BOD Ethical Commitment and Risk Management and Internal Control System With the Performance of Shariah-Compliant Companies. Journal of Governance and Integrity, 5(3), 393–407. https://doi.org/10.15282/jgi.5.3.2022.7690
Safieddine, A. (2009). Islamic Financial Institutions and Corporate Governance: New Insights for Agency Theory. Corporate Governance an International Review, 17(2), 142–158. https://doi.org/10.1111/j.1467-8683.2009.00729.x
Saleem, S., Baig, U., Meidutė‐Kavaliauskienė, I., Hassan, M. U., & Mansor, F. (2022). Attaining Standardization in Islamic Banking Institutions in Pakistan: Analysis on Ijarah Financing. Journal of Risk and Financial Management, 15(10), 430. https://doi.org/10.3390/jrfm15100430
Salman, A., Ayaz, M., Riaz, A., & Riaz, N. (2022). The Influence of Corporate Governance on Credit Rating in Pakistan. International Journal of Social Science & Entrepreneurship, 2(2), 313–334. https://doi.org/10.58661/ijsse.v2i2.63
Shahriar, A. (2025). The Impact of Artificial Intelligence on ‘Islamic Banking Operations and Decision-Making’. Research on Bangladesh Perspective. International Journal of Trendy Research in Engineering and Technology, 09(05), 10–18. https://doi.org/10.54473/ijtret.2025.9502
Shamsudheen, S. v, & Rosly, S. A. (2021). Portraying Ethical Reasoning in Islamic Banking: Addressing the Role of Work Experience. Business Ethics the Environment & Responsibility, 31(2), 438–452. https://doi.org/10.1111/beer.12384
Shamsudheen, S. v, Rosly, S. A., & Muneeza, A. (2023). Assessing Ethical Praxis of Ethical (Islamic) Financial Institutions: A Survey of Empirical Discoveries. International Journal of Law and Management, 65(5), 440–460. https://doi.org/10.1108/ijlma-11-2022-0256
Soleman, M. M., Armanu, A., Aisjah, S., & Sudjatno, S. (2020). Islamic Job Satisfaction, Organizational Commitment, and Intention to Leave: Moderating Role of Islamic Work Ethics. Management Science Letters, 1359–1368. https://doi.org/10.5267/j.msl.2019.11.021
Solihati, G. P., Suhardiyanto, H., Hakim, D. B., & Irawan, T. (2023). Integrating Good Corporate Governance, Islamic Corporate Social Responsibility, Zakat, Syariah Governance, and Syariah Compliance: Exploring Their Interconnected Impact on the Financial Health of Islamic Commercial Banks. Journal of Contemporary Administration and Management (Adman), 1(3), 271–277. https://doi.org/10.61100/adman.v1i3.94
Sudarwanto, A. S., Kharisma, D. B., & Cahyaningsih, D. T. (2023). Islamic Crowdfunding and Shariah Compliance Regulation: Problems and Oversight. Journal of Financial Crime, 31(4), 1022–1036. https://doi.org/10.1108/jfc-01-2023-0003
Swandaru, R., & Muneeza, A. (2022). Can Fraud in Islamic Financial Institutions Be Prevented Using High Standards of Shariah Governance? International Journal of Law and Management, 64(6), 469–485. https://doi.org/10.1108/ijlma-07-2022-0162
Tlemsani, I., & Suwaidi, H. A. (2016). Comparative Analysis of Islamic and Conventional Banks in the UAE During the Financial Crisis. Asian Economic and Financial Review, 6(6), 298–309. https://doi.org/10.18488/journal.aefr/2016.6.6/102.6.298.309
Widiastuti, T. (2025). Unlocking the Future of Green Finance: A Bibliometric and Systematic Literature Review on Intellectual Capital and Islamic Financial Development. Journal of Islamic Marketing, 1–24. https://doi.org/10.1108/jima-10-2024-0461
Wulpiah, W. (2017). URGENSI PENERAPAN KEPATUHAN SYARIAH PADA PERBANKAN SYARIAH (Telaah Konseptual-Analitis). Asy Syar Iyyah Jurnal Ilmu Syari Ah Dan Perbankan Islam, 2(1), 100–120. https://doi.org/10.32923/asy.v2i1.593
Yousef, D. A. (2001). Islamic Work Ethic – A Moderator Between Organizational Commitment and Job Satisfaction in a Cross‐cultural Context. Personnel Review, 30(2), 152–169. https://doi.org/10.1108/00483480110380325
Yulianti, Y., Zarkasyi, M. W., Suharman, H., & Soemantri, R. (2023). Effects of Professional Commitment, Commitment to Ethics, Internal Locus of Control and Emotional Intelligence on the Ability to Detect Fraud Through Reduced Audit Quality Behaviors. Journal of Islamic Accounting and Business Research, 15(3), 385–401. https://doi.org/10.1108/jiabr-02-2021-0076
Zafar, M. B., & Sulaiman, A. A. (2020). CSR Narrative Under Islamic Banking Paradigm. Social Responsibility Journal, 17(1), 15–29. https://doi.org/10.1108/srj-09-2018-0230
Copyright (c) 2026 Wilchan Robain, Abdul R ahman

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
The authors who publish in the journal agree to the following terms:
- The 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 acknowledgment of the work's authorship and initial publication in this journal.
- The 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 acknowledgment of its initial publication in this journal.
- The 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.
- The authors warrant that the article is original, written by stated author(s), has not been published before, contains no unlawful statements, does not infringe the rights of others, is subject to copyright that is vested exclusively in the author and free of any third-party rights, and that any necessary written permissions to quote from other sources have been obtained by the author(s).
Jurnal Ekonomi dan Bisnis Manajemen Syariah (SEMB-J), Yayasan Darussalam Bengkulu is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License. Based on a work at https://siducat.org/index.php/sembj/.








