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Islamic Banking and Finance Journal (IBF) published by Department of Islamic Banking, Faculty of Islamic Economics and Business IAIN Bone. Office: Second Campus of IAIN Bone, Polewali, Tanete Riattang Barat District, Bone Regency, South Celebes. Postal Code 92721. e-mail: islamicbanking@iain-bone.ac.id / jurnalibfperbankan@gmail.com