Volume: 8 Issue: 1 , 3/25/22

Year: 2022

Research Article

International Journal of Islamic Economics and Finance Studies (IJISEF) started its publication in 2015. It publishes 3 times a year in March, July and November. International Journal of Islamic Economics and Finance Studies (IJISEF), which is an academic journal, accepts research articles and book reviews. Turkish and English articles are included in the journal.

International Journal of Islamic Economics and Finance Studies (IJISEF) is an international, academic, periodical and double blind peer-reviewed journal published by Centre of Political Economic and Social Research (PESA) in collaboration with Research Center for Islamic Economics and Finance (RECISEF).

Articles submitted for publication should be original, contributing to knowledge and scientific information in related fields or bringing forth new views and perspectives on previously written scholarly papers. Articles should not have been previously published or accepted for publication elsewhere. In addition, in order to avoid plagiarism, all articles are screened for plagiarism with the iThenticate program.

The journal accepts interdisciplinary and multidisciplinary scientific researches. In this context, it aims to create a platform to share, discuss, evaluate and disseminate the work and opinions of academicians, market actors and those interested in Islamic economics and finance research.

The Journal particularly focuses on topics related to: Islamic Economics, Islamic Banking, Islamic Financial Markets, Islamic Management, Fiqh Muamalat, Islamic Insurance (Takaful), Islamic Accounting, Islamic Business, Islamic Wealth Management, Islamic Financial Institutions, Islamic Economic Thought, History of Islamic Economics, Zakat and Waqf.

Attention should be paid to presenting the articles submitted to International Journal of Islamic Economics and Finance Studies (IJISEF) as follows. If a condition that does not comply with the following rules is detected during the pre-check phase, the article is returned to the author without being sent to the referees, and is requested to be framed by the following rules:

1. All papers must include an abstract of no more than 200 words. If the article is written in Turkish, there should be also a title and abstract of the article in English. It is strongly advised that the length of the article should not exceed 9000 words including references and footnotes. In addition, in Turkish articles, an Extended Abstract with a minimum of 700 words and a maximum of 1000 words should be written and added to the end of the study.

2. All papers must include minimum 3, maximum 6 keywords and minimum 1 JEL code. (JEL codes)

3. Referencing must follow APA Style (APA Style Sixth Edition)

4. Margins are as follows:
Paper Size: A4
• Top : 2.5 cm
• Bottom : 2.5 cm
• Left : 2.5 cm
• Right : 2.5 cm
• Gutter : 0”
• Gutter Position : Left

5. Title page:
a. Paper title 14pt, bold and centered
b. First letter of all words are capital

6. Author’s name on the title page:
a. First letter of name and surname are capital, e.g. Hakan Aslan
b. Centered
c. Author’s info (title, affiliation, email address ve Orcid number) in the footnote on the title page, left aligned and 10pt

7. Abstract, keywords, jel codes and the main text of the paper:
Main text:
a. Palatino Linotype font, 11pt, justified
b. Paragrafh spacing: before and after 6pt, line spacing: 1,15
Abstract, keywords, jel codes:
a. Palatino Linotype font, 10pt, justified
b. Paragrafh spacing: before and after 6pt, line spacing: 1,15

8. Heading
a. Left aligned, title case, numbered (excluding introduction, results and references), bold
b. Main headings and subheadings must numbered as follows: 1, 1.1, 1.1.1,…

9. Table, figure, graph, exhibit or chart: e.g. Table 1: Style Guide for Authors
a. Numbered
b. Above the table, figure, graph…
c. Bold, e.g: Graph 1:
d. Title case

10. References must be written alphabetically according to the surname of the author.

11. Illustrations, pictures and graphs, should be supplied with highest quality and in an electronic format that helps us to publish your article in the best way possible.

12. Papers should not include headers, footers and page numbers.

Ethical Principles and Publication Policy

International Journal of Islamic Economics and Finance Studies (IJISEF) attaches importance to the Code of Ethics to protect the rights of the journal, authors and science. In this context, it envisages the production, development and sharing of information with a scientific method, in publication processes. The fact that peer-reviewed articles are based on the scientific method ensures objectivity as much as possible. The publication ethics and open access policy of the International Journal of Islamic Economics and Finance Studies require that all components of the publication process comply with ethical principles within the framework of the principles published by the "Higher Education Institutions Scientific Research and Publication Ethics Directive" and "Committee on Publication Ethics (COPE)". Detailed information can be found at the link.
At this point, it is important that all parties included in the publication process (authors and researchers, reviewers and editors) comply with the ethical principles. In this framework, the ethical rules that the parties must follow are as follows:

Author’s Responsibilities:

• All authors have significantly contributed to the research,
• Statement that all data in article are real and authentic; there should be no plagiarism and fraudulent data,
• Forbidden to publish – or to send for publishing – same research in more than one journal,
• The cited sources should be written in the bibliography,
• Citations and bibliography should comply with the spelling rules,
• Similarity rate of the study should not exceed 20%,
• Academic studies should not contradict publishing ethics,
• All authors are obliged to provide retractions or corrections of mistakes,
• It is assumed that the authors agree to abide by these rules.

Reviewers’ Responsibilities:

• Reviewers should definitely report articles’ shortcomings and scientific contributions,
• They should not act contrary to the confidentiality of the articles,
• Judgments should be objective,
• Reviewers should have no conflict of interest with respect to the research, the authors and/or the research funders.

Editorial Responsibilities:

• Editors have complete responsibility and authority to reject/accept an article,
• Editors should have no conflict of interest with respect to articles they reject/accept,
• Only articles that will contribute to the field should be accepted,
• When errors are found, they should promote publication of correction or retraction,
• They should preserve anonymity of reviewers; and prevent plagiarism / fraudulent data.

For actions contrary to scientific research and publication ethics, see: “Higher Education Institutions Scientific Research and Publication Ethics Directive, Article 4 (Yükseköğretim Kurumları Bilimsel Araştırma ve Yayın Etiği Yönergesi, Madde 4)”                 LINK

Determination of the Situation Contrary to Publication Ethics

International Journal of Islamic Economics and Finance Studies (IJISEF) uses double-blind review fulfilled by at least two reviewers. In addition, all articles are checked by means of a program in order to detect of situations contrary to publication ethics.

When a reader discovers a significant error or inaccuracy in a paper published in International Journal of Islamic Economics and Finance Studies (IJISEF) or have any other complaint about editorial content (plagiarism, duplicate papers, etc.), he/she should make a complaint by e-mail to: hakanaslan@sakarya.edu.tr. We welcome complaints as they provide an opportunity for improvement, and we aim to respond quickly and constructively.
Publication Policies
1. International Journal of Islamic Economics and Finance Studies (IJISEF) aims to contribute to the knowledge of Islamic economics by publishing studies with scientific qualifications at national and international level.
2. International Journal of Islamic Economics and Finance Studies (IJISEF) is a journal that uses a double-blind peer-review and publishes three times a year, march, july and november.
3. The publication language of the journal is Turkish and English.
4. The articles to be published in the journal should be original and academic works prepared using research methods suitable for their fields. In addition, book evaluations that contribute to the scientific field are accepted.
5. Submissions sent to the journal have been scanned via a plagiarism software, Ithenticate. Then, if any plagiarism is found, the submission is rejected without sending it to referees.
6. Articles submitted to the Journal should be unpublished elsewhere or be unsent for publication.
7. Articles are examined primarily for compliance with the writing rules. Submissions that are found not to comply with the publication and writing principles are returned to the author for necessary corrections without reviewing the content.
8. The articles submitted to the Journal for publication will be sent to referees who are experts of the subject determined by the Editorial Board after the preliminary examination. With two positive referee reports, to publish the article is decided. If the two referees express negative opinion, the article will not be published. When there are positive and negative referee reports for the same article, the article will be sent to a third referee.
9. If the expression "can be published after corrections" is chosen by referees, the article will be returned to the author for necessary corrections. After the corrections, the article is re-evaluated to check whether referees' warnings are taken into consideration.
10. The recommendations, criticisms and corrections of the referees are sent to the author by hiding the name of the referee.
11. All scientific and legal responsibilities of the published works belong to the author or authors.
12. A maximum of one work of the same author can be published in the same issue.
13. No royalties are paid to the author for published articles.
14. All publication rights of the articles accepted for publication belong to the Center of Political Economic and Social Research (PESA).

The services provided by IJISEF are free of charge. Author(s) do not need to make any payment for submission, processing and publishing their paper(s) in the IJISEF.

Editor in Chief

Islamic Economy

Editors

Erhan Akkaş
Assoc. Prof. Dr. Erhan AKKAŞ ANKARA SOSYAL BİLİMLER ÜNİVERSİTESİ Web

Erhan Akkas is currently an assistant professor at Sakarya University in Turkey. He graduated from Durham University with a Ph.D. in Islamic economics and finance in 2019, after obtaining his master’s in political economy from the University of Sussex. Akkas was a visiting research fellow at Durham University Business School as well as a lecturer at Agri Ibrahim Cecen University in Turkey between 2020 and 2022. An associate professorship was granted to him in February 2023 by the Turkish Interuniversity Board (ÜAK). Akkas has written many academic papers, policy briefs, and edited books. Akkas' most recent research focuses on political economy, Islamic economics, Islamic finance, economic develpment, and GCC countries.

Islamic Economy, Regional Economy, International Economics, International Economic Foundation, Regional Development and Globalisation in International Economics, Islamic Finance
Constitutional and Political Theories, Turkish Political Life, Political Science (Other), African Studies, Middle East Studies

Editorial Board

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Dr. Banjaran Surya INDRASTOMO University of Indonesia Web

Banjaran Surya Indrastomo is currently a lecturer at Islamic economics program, Faculty of Economics and Business, University of Indonesia and a member of Board Advisor, Business Risk and Finance Working Group, School of Business and Management, Bandung Institute of Technology in Indonesia. He earned his Ph.D in Islamic economics and finance from Durham University in 2019, after obtaining M.A. in Islamic Finance from Durham University in 2013. Banjaran was an International Fellow at Fondazione per le Scienze Religiose (FSCIRE) in Bologna/Palermo Italy from 2020 to 2021 working on project Teologia, pensiero economico e prassi commerciali: feneratio, ribā e tasso d’interesse fra cristianesimo e islam' (Theology, economic thought and commercial practices: feneratio, ribā and interest rate in Christianity and Islam), co-funded by Banca d’Italia. He has published worked in peer-reviewed Journal, such as Heliyon and Journal of Business Ethics, and has numerous writings both in popular channel and in the form of policy briefs. Beside his academic work, Banjaran is currently involved in shaping Islamic economic and finance industry, acting as Chief Economist of PT. Bank Syariah Indonesia, Tbk, Indonesian largest Islamic/participatory bank and as member of Islamic Economic Board, Indonesian Chamber of Commerce and Industry.

Islamic Economy

Mervan Selçuk graduated from the Business Department of Istanbul University in 2014. He received his MA and Ph.D. degrees from Islamic Economics and Finance Department at Sakarya University in 2016 and 2021, respectively. His doctoral dissertation is about the feasibility of a monetary union in Islamic countries. He was a visiting researcher at Kuwait University between November 2018 - May 2019. Since 2015, Assoc. Prof. Selçuk has been a research assistant at the Research Centre of Islamic Economics and Finance, Sakarya University. His research areas include Islamic economics, monetary unions, and cryptocurrencies.

Islamic Economy, Islamic Finance, Islamic Microfinance
Hamdi Çilingir
Assoc. Prof. Hamdi ÇİLİNGİR SAKARYA ÜNİVERSİTESİ, İLAHİYAT FAKÜLTESİ Web

He was born on 25 May 1983 in Dimetoka, Greece. In 2006, he graduated from Marmara University Faculty of Theology. He completed his postgraduate education at Marmara University in 2014 and received his doctorate degree in Islamic law. He is currently working as an Associate Professor at Sakarya University Faculty of Theology. His research interests include foundation law and history, classical-modern fiqh thought, late Ottoman legal thought and Islamic economics. Purpose in Waqf: A Research in the Framework of Hanafi Waqf Law, 40 Questions on Waqf, and The Literature of Islamic Law Studies in Turkey (1928-2012), as well as published articles and book translations.

Islamic Economy, Islamic Law
Alija Avdukic
Prof. Dr. Alija AVDUKİC University of Dundee School of Business Web

Alija Avdukic is currently a Professor in Islamic Economics and Finance at Al- Maktoum College of Higher Education and is the deputy director of Ph.D. & MSc Islamic Finance programs at Business School of the University of Dundee. Alija holds a Ph.D. in Islamic Economics and Finance (2016) from Durham University; and has MA in Islamic Banking, Finance and Management (2010) from Gloucestershire University. Alija completed his BA (2003) and PGDip (2007) from Al-Azhar University, Cairo, and Damascus University, Damascus.
Alija’s research interest in Islamic economics and its various articulations, Islamic moral and political economy, and Islamic finance and banking. Alija teaches and supervises research on Islamic political and moral economy, Islamic banking, finance, and the political economy of development in the Muslim world. Alija’s recent research includes the construction of Islamic moral economy and Islamic political economy, both of which is considered as an incomplete project since the early 1970s. Secondly, Alija develops the discourse around the ‘social and developmental failure’ of Islamic banking and finance in relation to the expressed ideals of Islamic moral economy by essentializing sharing and collaborative economy nature of Islamic finance. Alija is also involved in empirical research in various aspects and dynamism of Islamic banking and finance.

Islamic Economy, Political Economy, Sustainable Development
Hakan Kalkavan
Assoc. Prof. Dr. Hakan KALKAVAN İSTANBUL MEDENİYET ÜNİVERSİTESİ, SİYASAL BİLGİLER FAKÜLTESİ, İKTİSAT BÖLÜMÜ Web

İstanbul Medeniyet Üniversitesi

Political Economy Theory, Islamic Economy, Economic Thought, Ecology, Sustainability and Energy, Economic Sociology

Field Editors (Econometrics)

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Macroeconomics
Cumali Marangoz
Dr. Instructor Cumali MARANGOZ AĞRI İBRAHİM ÇEÇEN ÜNİVERSİTESİ Web

AĞRI İBRAHİM ÇEÇEN ÜNİVERSİTESİ

Applied Macroeconometrics, Time-Series Analysis, Growth, Inflation, Development Economics - Macro, Development Economics

Field Editors (Islamic Economics)

Harun Sencal
Assoc. Prof. Dr. Harun SENCAL İSTANBUL 29 MAYIS ÜNİVERSİTESİ Web

Yeditepe Üniversitesi Bilgisayar Mühendisliği Bölümü’nden 2007 yılında mezun oldu. Aynı üniversitede İşletme (MBA) ve Ürdün Bilim ve Teknoloji Üniversitesinde Bilgisayar Bilimleri Yüksek Lisanslarını tamamladı. 2014 yılında Durham Üniversitesi’nde başladığı İslami Finans Doktora programını 2018 yılında tamamlayan Şencal, İslam Ekonomisi ve İslami Finans alanlarında çalışmalarını sürdürmektedir. Araştırmaları ve yayınları İslam Ekonomisinin dar kalıplar içinde yorumlanan bir disiplinden ziyade interdisipliner veya transdisipliner bir yaklaşımla ele alınması ve geliştirilmesi üzerine yoğunlaşmaktadır. Bu bağlamda üniversite, vakıf ve derneklerde alana dair programlar düzenledi ve dersler verdi. Bu alandaki çalışmalarını sunmak için katıldığı uluslararası konferansların yanı sıra uluslararası dergilerde de yayınları bulunmaktadır.

Islamic Economy
İsa Yılmaz
Assoc. Prof. Dr. İsa YILMAZ İSTANBUL MEDENİYET ÜNİVERSİTESİ

İsa Yılmaz holds a bachelor's degree in Economics and Management from Istanbul Bilgi University and participated in the University of London double degree program, receiving academic guidance from the London School of Economics and Political Science (LSE). He pursued his master's degree in Islamic Finance at the University of Durham (UK) and completed his Ph.D. in Islamic Finance from the same institution. Currently, he serves as an associate professor in the Economics Department at Istanbul Medeniyet University. He has published several academic papers on economic development, financialization and aspects of political economy in Islamic economics. In a broader context, he explores alternative economic and financial systems that strive to envision authentic models with positive developmental and welfare outcomes for emerging economies. To explore these areas, he engages with the literature on the moral economy, political economy, philosophy of economics, and alternative banking and financial models.

Political Economy Theory, Islamic Economy, Development Economics - Macro, Development Economics, Philosophy of Economics, History of Finance, Financial Markets and Institutions, Islamic Finance

Field Editors (Islamic Finance and Banking)

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Assoc. Prof. Hülya ER BOLU ABANT İZZET BAYSAL ÜNİVERSİTESİ
Banking and Insurance, Participation Banking, Takaful (Participation) Insurance, Finance and Investment, Behavioural Finance, Financial Markets and Institutions, Islamic Finance
Murat Yaş
Asst. Prof. Dr. Murat YAŞ MARMARA ÜNİVERSİTESİ, İSLAM EKONOMİSİ VE FİNANSI ENSTİTÜSÜ Web

Murat Yaş Marmara Üniversitesi İslam Ekonomisi ve Finansı Enstitüsü'nde Dr. Öğretim Üyesi olarak görev yapmaktadır. Ayrıca Japonya'da Sophia Üniversitesi Asya, Afrika ve Ortadoğu Çalışmaları Enstitüsü'nde Ziyaretçi Araştırmacı olarak bulunmuştur. Yüksek Lisans ve Doktora eğitimini Malezya'da INCEIF Üniversitesi'nde İslami Finans alanında tamamlamış ve lisans derecesini Ekonomi alanında Boğaziçi Üniversitesi'nden almıştır. Ayrıca, İngiltere'de Reading Üniversitesi'nde ICMA Centre’da ziyaretçi yüksek lisans öğrencisi olarak bulunmuştur.

Araştırma alanları finansal piyasalar, İslami finans ve Asya çalışmalarıdır.

Econometrics, Capital Market, Financial Economy, Banking and Insurance, Behavioural Finance, Islamic Finance

2011 yılında Ankara Üniversitesi Siyasal Bilgiler Fakültesi İşletme Bölümünden, Yüksek lisansını, 2016 yılında Sakarya Üniversitesi İslam Ekonomisi ve Finansı anabilim dalında “Borsa İstanbul Katılım Endeksinin Piyasa Faiz Oranları ile İlişkisi ve Performansının Analizi” başlıklı teziyle tamamladı. 2020 yılında ise Sakarya Üniversitesi İlahiyat Fakültesinde ikinci lisansını tamamladı. 2021 yılında aynı anabilim dalında “İslami Mikrofinans Programlarının Etkinliği: İksar Karz-ı Hasen Örneği” başlıklı tez çalışmasıyla doktorasını tamamladı. 2014-2021 yılları Sakarya Üniversitesi İslam Ekonomisi ve Finansı Uygulama ve Araştırma Merkezinde araştırma görevlisi olarak çalıştı. Halen Sakarya Üniversitesi Siyasal Bilgiler Fakültesi, İslam iktisadı ve finans bölümünde Doçent olarak görev yapmaktadır.   

Islamic Economy, Capital Market, Islamic Finance, Islamic Microfinance
Esra Bildirici Çalık
Dr. Instructor Esra BİLDİRİCİ ÇALIK VAN YÜZÜNCÜ YIL ÜNİVERSİTESİ
Islamic Economy, Islamic Finance, Leadership, Organisational Behaviour

Doç. Dr. Hakan Aslan, Sakarya Üniversitesi İslam İktisadı ve Finans Bölümü'nde görev yapmaktadır. 

Islamic Economy, Banking and Insurance, Participation Banking, Takaful (Participation) Insurance, Risk Management and Insurance, Financial Markets and Institutions, Islamic Finance, Islamic Microfinance

Field Editors (Islamic Law)

Batuhan Buğra Akartepe, 2015 yılında Marmara Üniversitesi İlahiyat fakültesinden mezun olmuştur. 5 yıllık lisans eğitimi boyunca İlimler ve Sanatlar Merkezi’nde (İSM) klasik İslami ilimler eğitimini tamamlamıştır. İlahiyat fakültesi sonrasında Anadolu Üniversitesi İktisat Fakültesi’nde ikinci lisans eğitimi almıştır. Yüksek lisans tezini İstanbul Üniversitesi İslam İktisadı ve Finansı bölümünde tamamlamıştır. Halen İstanbul Üniversitesi İslam İktisadı ve Finansı bölümünde doktora çalışmalarına devam etmektedir. 2016 yılından beri İstanbul Üniversitesi Sosyal Bilimler Enstitüsü-İslam İktisadı ve Finansı ABD bünyesinde araştırma görevlisi olarak çalışmaktadır. Çalışma konuları arasında; alacak satımı, kitlesel fonlama işlemleri, girişim sermayesi, İslami hisse senedi endeksleri ve güncel İslam iktisadı meseleleri yer almaktadır.

Islamic Economy, Islamic Finance, Islamic Law

Siyasal Bilgiler Fakültesi, İslam İktisadı ve Finansı Bölümü 

Islamic Finance, Islamic Law

Field Editors (International Economics)

Cumali Marangoz
Dr. Instructor Cumali MARANGOZ AĞRI İBRAHİM ÇEÇEN ÜNİVERSİTESİ Web

AĞRI İBRAHİM ÇEÇEN ÜNİVERSİTESİ

Applied Macroeconometrics, Time-Series Analysis, Growth, Inflation, Development Economics - Macro, Development Economics
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Macroeconomics

Field Editors (Finance and Banking)

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Assoc. Prof. Dr. Çiydem ÇATAK TÜRK-ALMAN ÜNİVERSİTESİ

Türk-Alman Üniversitesi İktisadi ve İdari Bilimler Fakültesi İşletme Bölümünde görev yapmaktadır. Çalışma alanları, kurumsal finans, davranışsal finans ve sermaye piyasalarıdır.

Finance
Emre Bulut
Asst. Prof. Dr. Emre BULUT AĞRI İBRAHİM ÇEÇEN ÜNİVERSİTESİ Web
Panel Data Analysis, Ecological Economics, Financial Economy, Industrial Economy

Field Editors (Political Economy)

Harun Sencal
Assoc. Prof. Dr. Harun SENCAL İSTANBUL 29 MAYIS ÜNİVERSİTESİ Web

Yeditepe Üniversitesi Bilgisayar Mühendisliği Bölümü’nden 2007 yılında mezun oldu. Aynı üniversitede İşletme (MBA) ve Ürdün Bilim ve Teknoloji Üniversitesinde Bilgisayar Bilimleri Yüksek Lisanslarını tamamladı. 2014 yılında Durham Üniversitesi’nde başladığı İslami Finans Doktora programını 2018 yılında tamamlayan Şencal, İslam Ekonomisi ve İslami Finans alanlarında çalışmalarını sürdürmektedir. Araştırmaları ve yayınları İslam Ekonomisinin dar kalıplar içinde yorumlanan bir disiplinden ziyade interdisipliner veya transdisipliner bir yaklaşımla ele alınması ve geliştirilmesi üzerine yoğunlaşmaktadır. Bu bağlamda üniversite, vakıf ve derneklerde alana dair programlar düzenledi ve dersler verdi. Bu alandaki çalışmalarını sunmak için katıldığı uluslararası konferansların yanı sıra uluslararası dergilerde de yayınları bulunmaktadır.

Islamic Economy
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Dr. Mustafa A. SANCAR İSTANBUL 29 MAYIS ÜNİVERSİTESİ
Islamic Economy, Development Economics - Macro, Circular Economy, Development Economics, Islamic Finance
İsa Yılmaz
Assoc. Prof. Dr. İsa YILMAZ İSTANBUL MEDENİYET ÜNİVERSİTESİ

İsa Yılmaz holds a bachelor's degree in Economics and Management from Istanbul Bilgi University and participated in the University of London double degree program, receiving academic guidance from the London School of Economics and Political Science (LSE). He pursued his master's degree in Islamic Finance at the University of Durham (UK) and completed his Ph.D. in Islamic Finance from the same institution. Currently, he serves as an associate professor in the Economics Department at Istanbul Medeniyet University. He has published several academic papers on economic development, financialization and aspects of political economy in Islamic economics. In a broader context, he explores alternative economic and financial systems that strive to envision authentic models with positive developmental and welfare outcomes for emerging economies. To explore these areas, he engages with the literature on the moral economy, political economy, philosophy of economics, and alternative banking and financial models.

Political Economy Theory, Islamic Economy, Development Economics - Macro, Development Economics, Philosophy of Economics, History of Finance, Financial Markets and Institutions, Islamic Finance

Field Editors (Economic History)

History of Economics, History of Ottoman Economy

Layout Editor

Sakarya Üniversitesi İslam Ekonomisi ve Finansı Uygulama ve Araştırma Merkezi

Islamic Economy, Islamic Microfinance

Language Editor

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Res. Assist. Muhammed Beşir ÇALIŞKAN SAKARYA ÜNİVERSİTESİ, İSLAM EKONOMİSİ VE FİNANS UYGULAMA VE ARAŞTIRMA MERKEZİ Web

Sakarya Üniversitesi

Economic Methodology, Islamic Economy, Islamic Finance

Technical Editor

Sakarya Üniversitesi İslam Ekonomisi ve Finansı Uygulama ve Araştırma Merkezi

Islamic Economy, Islamic Finance

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