Copyright and License Statement

Pijar Journal of Islamic Economics and Finance (PJIEF) is dedicated to promoting open access to research and ensuring that authors retain significant rights to their work. Authors publishing in this journal agree to the following terms:

1. Copyright Authors retain the copyright to their articles. By submitting their manuscripts to Pijar Journal of Islamic Economics and Finance, authors grant the journal a non-exclusive license to publish the work for the first time and to identify itself as the original publisher. Authors retain the right to reuse and distribute their work (e.g., posting the article on personal websites, institutional repositories, or other media), provided that proper acknowledgment is given to the original publication in this journal.
2. License Terms All articles published in this journal are licensed under the Creative Commons Attribution 4.0 International License (CC BY 4.0). This license permits anyone 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.
  3. Attribution Requirements Under the terms of the CC BY license, users must provide appropriate credit, provide a link to the license, and indicate if changes were made. Proper attribution to the original publication in Pijar Journal of Islamic Economics and Finance is required whenever the work is reused or distributed.
  4. Compliance and Benefits This policy ensures authors comply with the mandates of funding bodies that require research outputs to be openly accessible. Furthermore, these terms are designed to maximize the visibility and reach of the research, increase citation potential, and facilitate collaboration and knowledge sharing among researchers, practitioners, and the public without legal or technical restrictions.