LETTER OF ORIGINALITY

I hereby declare that the manuscript entitled “[Title of the Manuscript]”, which is submitted to Journal of Islamic Economics and Inclusive Finance, is an original work authored by myself/us. This manuscript has not been previously published, in whole or in part, and is not currently under consideration for publication in any other journal or publication medium.

I/We confirm that all data, ideas, analyses, and conclusions presented in this manuscript are my/our own work, except where proper references and citations are clearly stated. All sources of information used in the preparation of this manuscript have been appropriately acknowledged in accordance with academic and ethical standards. I/We also affirm that this manuscript does not contain any form of plagiarism, fabrication, falsification, or other unethical research practices.

By submitting this manuscript, I/we agree to comply with all editorial policies, peer review procedures, and publication ethics of the Journal of Islamic Economics and Inclusive Finance. I/We understand that the manuscript may be subjected to plagiarism checking and peer review, and I/we am/are willing to revise the manuscript in accordance with reviewers’ and editors’ recommendations.

Sincerely,

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