Submission Preparation ChecklistAs part of the submission process, authors are required to check off their submission's compliance with all of the following items, and submissions may be returned to authors that do not adhere to these guidelines.
- The submission has not been previously published, nor is it before another journal for consideration (or an explanation has been provided in Comments to the Editor).
- The submission file is in OpenOffice, Microsoft Word, or RTF document file format.
- Where available, URLs for the references have been provided.
- The text is single-spaced; uses a 12-point font; employs italics, rather than underlining (except with URL addresses); and all illustrations, figures, and tables are placed within the text at the appropriate points, rather than at the end.
- The text adheres to the stylistic and bibliographic requirements outlined in the Author Guidelines.
Guidelines for Authors
Aims and Scope
COMSATS Journal of Islamic Finance (CJIF) publishes articles that report empirical research,
both quantitative and qualitative, that expands knowledge about Islamic Finance
practices. Editors will consider manuscripts that make significant contributions to the literature
in Islamic banking and finance related studies.
CJIF Welcomes Research in Relation to (but not limited to) the Following Areas:
Fundamentals of Islamic Banking and Finance reflecting trends and opportunities
Risk management in Islamic Finance, Corporate finance
Financial planning in Islamic Financial Institutions
Islamic Corporate governance
Compliant Management styles and strategies in Shariah
Labor and welfare economics
Development Zakat and awqaf Institutions
Historical Background of Islamic Banking and Finance
Investment strategy under Islamic Finance
Housing finance by Islamic Financial Institutions (IFIs)
Customer relationship management and service quality (IFIs)
Islamic Political economy
Analysis of Islamic and conventional financial institutions
Islamic capital markets
Takaful and Risk Management
Any other related topics
Body and Structure of Article
It is important that the file be saved and sent in MS Word file. The text should be in singlecolumn format. Keep the layout of the text as simple as possible. Most formatting codes will
be removed and replaced on processing the article. To avoid unnecessary errors you are
strongly advised to use the 'spell-check' and grammar-check' functions of your word
Your article should be typed, double-spaced on standard-sized paper (8.5" x 11") with 1"
margins on all sides. You should use a clear font that is highly readable. APA
recommends using 12 pt. Times New Roman font.
Please note that submitted manuscripts must not exceed more than 10,000 words
including all references, tables, and figures.
The following list will be useful during the final checking of an article prior to sending it to the
journal for review. Ensure that the following items are present:
• Cover Letter (Optional)
• Title Page
• Anonymous Manuscript (with no author details)
Authors are requested to submit their manuscripts to: email@example.com
Essential Title Page Information
Author names and affiliations.
Please clearly indicate the given name(s) and family name(s)
of each author and check that all names are accurately spelled. Present the authors' affiliation
addresses (where the actual work was done) below the names. Indicate all affiliations with a
lowercase superscript letter immediately after the author's name and in front of the appropriate
address. Provide the full postal address of each affiliation, including the country name and, if
available, the e-mail address of each author.
Clearly indicate who will handle correspondence at all stages of refereeing and publication, also
post-publication. Ensure that the e-mail address is given and that contact details are kept up
to date by the corresponding author.
If an author has moved since the work described in the article was done, or was visiting at the
time, a 'Present address' (or 'Permanent address') may be indicated as a footnote to that author's
name. The address at which the author actually did the work must be retained as the main,
affiliation address. Superscript Arabic numerals are used for such footnotes.
Anonymous Paper Sections
Your article should include three major sections: the Abstract, Main Body, and References.
Make sure that your manuscript has been "spellchecked" and "grammar-checked
Beginning with the next line, write a concise summary of the key points of your research. (Do
not indent.) Your abstract should contain at least your research topic, research questions,
participants, methods, results, data analysis, and conclusions. You may also include possible
implications of your research and future work you see connected with your findings. Your
abstract should be a single paragraph double-spaced. Your abstract should be between 150 and
You may also want to list keywords from your paper in your abstract. To do this, indent as you
would if you were starting a new paragraph, type Keywords: (italicized), and then list your
keywords. Listing your keywords will help researchers find your work in databases.
Body of the text should follow the APA Style in following context.
State the objectives of the work and provide an adequate background, avoiding a detailed
literature survey or a summary of the results.
A Theory section should extend, not repeat, the background to the article already dealt with in
the Introduction and lay the foundation for further work. It should cover all the relevant studies
related to the topic of research.
Authors should clearly state the methodology: whether it is conceptual study or empirical in
nature. It should provide sufficient detail to allow the work to be reproduced. Methods already
published should be indicated by a reference: only relevant modifications should be described.
Results should be clear and concise. All Tables and figures should be according to required
This section should compare the results with previous studies and discuss their relevance with
The main conclusions of the study may be presented in a short Conclusions section, which may
stand alone or form a subsection of a Discussion or Results and Discussion section. It may also
draw policy and managerial implications of the study.
Please submit tables as editable text and not as images. Tables should be placed in the next to the
relevant text in the article. Number tables consecutively in accordance with their appearance in
the text and place any table notes below the table body and ensure that the data presented in them
do not duplicate results described elsewhere in the article.
Use tables for the purpose of simplifying text. A table with 2 or fewer columns and rows
should be presented in text format instead of a table.
In text, refer to every table. e.g. As shown in Table 2, the ….. OR (see Table 2). Tell the
reader what to look for, but only mention the major points of the table.
Number tables in the order they are first mentioned in text. Do not write “the table
above” or “the table below.”
Be consistent in the formatting and vocabulary of all tables when writing a paper.
Double-space the entire table.
Ensure that your table title is brief but explanatory.
Italicize the table title. Do not italicize the table number.
Standard abbreviations and symbols, such as % or no. may be used in headings without
Ensure each column has a heading
Capitalize only the first letter of the first word of all headings. If a word is a proper noun,
however, be sure to capitalize the first letter anyway.
Notes are placed below the table.
If the table is from another source, include a note below the table specifying whether it is
from another source or adapted from another source.
e.g. “Note. From….” OR “Note. Adapted from…” OR “Note. The data in column 1 are
A figure is any type of illustration other than a table (chart, graph, photograph, or
Use figures to complement information in text or to simplify text.
Number figures in the order they are first mentioned in text. Do not write “the figure
above” or “the figure below.”
Figures should be large enough to read easily (between 8 point and 14 point font with
sans serif typeface) and convey only essential information. The preferred typeface in
figures is 12-pt Courier.
Ensure that figures are simple, clear and consistent in presentation and vocabulary.
Ensure data are plotted accurately and the grid scale is proportioned.
Place labels close to the identified item.
Axis labels on graphs should be parallel to their axes.
Captions include the figure title and a brief, but descriptive, explanation of the figure.
Double-space the caption and place it below the figure.
The figure legend should be positioned within the borders of the figure.
APA citation basics
Please ensure that every reference cited in the text is also present in the reference list (and vice
versa). Unpublished results and personal communications are not recommended in the reference
list, but may be mentioned in the text. If these references are included in the reference list they
should also follow the APA style and should include a substitution of the publication date with
either 'Unpublished results' or 'Personal communication'. Citation of a reference as 'in press'
implies that the item has been accepted for publication.
When using APA format, follow the author-date method of in-text citation. This means that the
author's last name and the year of publication for the source should appear in the text, for
example, (Jones, 1998), and a complete reference should appear in the reference list at the end of
the paper. Different Citations should be in the following context.
Citing an Author or Authors
A Work by Two Authors: Name both authors in the signal phrase or in the parentheses each
time you cite the work. Use the word "and" between the authors' names within the text and use
the ampersand in the parentheses
Book: One Author
Welch, K.E. (1999). Electric rhetoric: Classical rhetoric, oralism, and a new literacy.
Cambridge: MIT Press.
Book: two or more Authors
Lunsford, A., & Ede, L. (1990). Singular texts/plural authors: Perspectives
on collaborative writing. Carbondale: Southern Illinois University Press. Masters, W.H.,
Johnson, V.E., & Levin, R.J. (1974). The pleasure bond: A new look at sexuality and
commitment. Boston: Little, Brown.
Dickens, C. (1910). A tale of two cities. Retrieved from http://books.google.com/
Chapter in a Book
Wells, I.B. (1995). Lynch law in all its phases. In S.W. Logan (Ed.), With pen and voice: A
critical anthology of nineteenth-century African-American women (pp. 80-90). Carbondale:
Southern Illinois University Press.
Encyclopedias, Dictionaries, & Other Reference Works
Shally-Jensen, M., et al. (Eds.). (2004). Encyclopedia Americana (2004 ed., Vols. 30). Danbury:
Scholastic Library Publishing.
Journal Article: Print
Haraway, D.J. (1994). A game of cat's cradle: Science studies, feminist theory, cultural studies.
Configurations, 2, 59-71.
Journal Article: Multiple Authors
Richardson, J.R., Aldridge, A.E., & Endersby, I.D. (2007). Post settlement behavior of
brachiopods on hard and soft substrates. New Zealand Journal of Zoology, 34(1), 43-49.
Magazine Article: Print
Swartz, M. (2002, May 6). An Enron yard sale. New Yorker, 78(10), 50-52.
Magazine Article: Multiple Authors
Burnsed, B., Gloeckler, G., Grover, R., Lawyue, M., Lowry, T., & Polek, D. (2008, October 13).
The power 100. Business Week, (4103), 52-57.
Lewin, T. (2005, May 15). SAT essay scores are in, but will they be used? The New York Times,
Multiple Internet Site: Entire Site
Bird Studies Canada. (2005). Avibase: The world bird database. Retrieved from http://www.bsc
Nathanson, D. L. (n.d.). Shame and pride: Affect, sex and the birth of self [Kindle version]. New
York, NY: W. W. Norton. Retrieved from Amazon.com
Conference papers & presentations
Nguyen, C. A. (2012, August). Humor and deception in advertising: When laughter may not be
the best medicine. Paper presented at the meeting of the American Psychological Association,
Ethical Policy of CJIF
If the work involves the use of human subjects, the author should ensure that the work described
has been carried out in accordance with standard ethics acceptable globally in learned societies.
Submission of an article implies that the work described has not been published previously. The
publication of an article in a peer-reviewed journal is an essential building block in the
development of a coherent and respected network of knowledge. It is a direct reflection of the
quality of the work of the authors and the institutions that support them. Peer-reviewed articles
support and embody the scientific method.
It is therefore important to agree upon standards of expected ethical behavior for all parties
involved in the act of publishing: the author, the journal and the peer reviewer to uphold
transparency, credibility, originality, honesty, legality, respect, fairness, trust and responsibility.
All stakeholders pledge to avoid misconduct in academic research which implies (and is not
limited to) fabrication, falsification, plagiarism or deception in proposing, carrying out or
reporting results of research.
Plagiarism involves the unacknowledged use of someone else’s work, usually in coursework, and
passing it off as if it were one’s own. This intentional malpractice is a conscious, pre-mediated
form of cheating and is regarded as a particularly serious breach of the core values of academic
integrity. Similarity index of papers should be less than 20%. If any single source has similarity
index >=5% without citation then it needs to be revised.
Authors are expected to consider carefully the list and order of authors before submitting their
manuscript and provide the definitive list of authors at the time of the original submission. Any
addition, deletion or rearrangement of author names in the authorship list should be made only
before the manuscript has been accepted and only if approved by the journal Editor. To request
such a change, the Editor must receive the following from the corresponding author: (a) the
reason for the change in author list and (b) written confirmation (e-mail, letter) from all authors
that they agree with the addition, removal or rearrangement this includes confirmation from the
author being added or removed.
Manuscripts may be desk rejected (i.e. rejected without editorial review) for the following
Manuscripts with excessive plagiarism
Manuscripts submitted other than through email attachments will be desk
Outside the scope of the journal
Poorly written manuscripts who do not follow the journal required format
Manuscripts that do not make significant contribution in the field of Islamic
Double-blind peer review
Manuscripts that pass through initial screen are sent for peer review. This journal uses
double-blind peer review, which means the identities of the authors are concealed from
the reviewers, and vice versa. To facilitate this, please
include the following separately: Title page (with author details): This should include the
title, authors' names and affiliations, and a complete address for the corresponding author
including an e-mail address. Blinded manuscript (no author details): The main body of
the paper (including the references, figures, tables and any acknowledgements) should
not include any identifying information, such as the authors' names or affiliations.
Revising the Manuscript
After double blind review manuscript is either rejected or sent to author for revision and
changes suggested by the reviewers along with review form. If the author is not agree with
the changes suggested by the reviewer, he will have to justify it. Author also has the right to
defend the changes.
All corresponding authors will be informed by email regarding the acceptance of paper.
, We will do everything possible to get your article published quickly and accurately.
Corresponding authors will receive an e-mail with a link to see the published abstract on
website of CJIF. One copy of relevant volume/issue of CJIF will be dispatched to the
Authors can contact at the following address for their queries:
COMSATS Journal of Islamic Finance (CJIF) Editorial Office
H Block, Office No. 12, M. A. Jinah Building, Defence Road, Off Raiwind Road,
Lahore, +92 (42) 111001007 Ext. & 125 firstname.lastname@example.org
The names and email addresses entered in this journal site will be used exclusively for the stated purposes of this journal and will not be made available for any other purpose or to any other party.