{"title":"Islamic Fintech Growth Prospects in Accelerating MSMEs Growth: Evidence in Indonesia","authors":"Muhammad Iqbal, P. Nadya, S. Saripudin","doi":"10.25272/ijisef.857488","DOIUrl":"https://doi.org/10.25272/ijisef.857488","url":null,"abstract":"","PeriodicalId":136568,"journal":{"name":"International Journal of Islamic Economics and Finance Studies","volume":"12 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114108706","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The concept of takaful has been introduced after long-continued discussions made by the Islamic scholars. Even though takaful practices have around forty years of history globally, takaful operations are a comparatively new and underdeveloped sector in the Turkish insurance market. Given its dominant Muslim population, well-developed financial system, and the fact that takaful contributions have grown exponentially which is supported by current statistics, Turkey has great potential in prospering its takaful market. Thus, Turkey should develop further policies to develop its own takaful operators. In achieving so, Malaysia, which is considered to be one of the most advanced takaful ecosystems in the world, has been regarded as an example for comparison to probe into its takaful sector and evaluate the opinions of the Malaysian professionals towards the development of the takaful system in Turkey. In this paper, a phenomenological perspective has been used, assuming takaful as the phenomenon. This phenomenon was investigated by examining the experiences of five business professionals and four Shariah scholars through semi-structured interviews. With this technique, it is also aimed to obtain some valuable suggestions for the Turkish takaful industry. It is found that Turkey should firstly develop its regulatory and Shariah governance system and then take gradual steps to regulate to market. In addition, increasing awareness, developing qualified human capital, adapting technology for marketing, and standardising the market practices will help the development of the takaful market in Turkey.
{"title":"Can Turkey Implement Malaysian Takaful Know-How into Turkish Market?: A Qualitative Inquiry","authors":"Hakan Aslan, Emin Avci","doi":"10.25272/IJISEF.816143","DOIUrl":"https://doi.org/10.25272/IJISEF.816143","url":null,"abstract":"The concept of takaful has been introduced after long-continued discussions made by the Islamic scholars. Even though takaful practices have around forty years of history globally, takaful operations are a comparatively new and underdeveloped sector in the Turkish insurance market. Given its dominant Muslim population, well-developed financial system, and the fact that takaful contributions have grown exponentially which is supported by current statistics, Turkey has great potential in prospering its takaful market. Thus, Turkey should develop further policies to develop its own takaful operators. In achieving so, Malaysia, which is considered to be one of the most advanced takaful ecosystems in the world, has been regarded as an example for comparison to probe into its takaful sector and evaluate the opinions of the Malaysian professionals towards the development of the takaful system in Turkey. In this paper, a phenomenological perspective has been used, assuming takaful as the phenomenon. This phenomenon was investigated by examining the experiences of five business professionals and four Shariah scholars through semi-structured interviews. With this technique, it is also aimed to obtain some valuable suggestions for the Turkish takaful industry. It is found that Turkey should firstly develop its regulatory and Shariah governance system and then take gradual steps to regulate to market. In addition, increasing awareness, developing qualified human capital, adapting technology for marketing, and standardising the market practices will help the development of the takaful market in Turkey.","PeriodicalId":136568,"journal":{"name":"International Journal of Islamic Economics and Finance Studies","volume":"51 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-03-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116150610","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Mohamad Salfiyudin Mohd Pandi, Raihanah Azahari, A. Rahman
Making early planning on properties owned is indeed something that is encouraged in Islam. However, the absence of a specific guideline in the implementation of wealth planning has caused several issues. The consequences of these issues have resulted in the failure to enforce the intended wealth planning. In some cases, after being tried in court, the wealth plans have been declared as void by the court. This study, therefore, aims to suggest the appropriate parameters which may be used as the basis and guidelines by property owners, especially Muslims, in ensuring compliance of wealth planning with the correct methods and requirements of Islamic law. Generally, this study adopts a qualitative approach with content analysis to obtain the required information and data. The results of the study found that the discussion of maqāṣid al-sharīʻah involving tabarruʻ contracts by Ibn ʻĀshūr in his book Maqāṣid al-Sharīʻah al-Islāmiyyah is suitable to be used as the basis and main consideration for the formation of wealth planning parameters for Muslims. The application of wealth planning parameters based on maqāṣid al-sharīʻah may help Muslims in particular to make proper wealth planning that complies with the principles of Syariah, while at the same time realizes the wishes and expectations of the property owners therefrom.
{"title":"Weatlh Planning Parameters Based on Maqāṣid Al-Sharīʻah According to Ibn ʻĀshūr’s View: A Preliminary Study","authors":"Mohamad Salfiyudin Mohd Pandi, Raihanah Azahari, A. Rahman","doi":"10.25272/IJISEF.841295","DOIUrl":"https://doi.org/10.25272/IJISEF.841295","url":null,"abstract":"Making early planning on properties owned is indeed something that is encouraged in Islam. However, the absence of a specific guideline in the implementation of wealth planning has caused several issues. The consequences of these issues have resulted in the failure to enforce the intended wealth planning. In some cases, after being tried in court, the wealth plans have been declared as void by the court. This study, therefore, aims to suggest the appropriate parameters which may be used as the basis and guidelines by property owners, especially Muslims, in ensuring compliance of wealth planning with the correct methods and requirements of Islamic law. Generally, this study adopts a qualitative approach with content analysis to obtain the required information and data. The results of the study found that the discussion of maqāṣid al-sharīʻah involving tabarruʻ contracts by Ibn ʻĀshūr in his book Maqāṣid al-Sharīʻah al-Islāmiyyah is suitable to be used as the basis and main consideration for the formation of wealth planning parameters for Muslims. The application of wealth planning parameters based on maqāṣid al-sharīʻah may help Muslims in particular to make proper wealth planning that complies with the principles of Syariah, while at the same time realizes the wishes and expectations of the property owners therefrom.","PeriodicalId":136568,"journal":{"name":"International Journal of Islamic Economics and Finance Studies","volume":"7 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-03-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134354117","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Day after day, the Competition in the banking sector increases; the customer perspective became significant element in the banking sector. This shows how important it is to determine the point of view and perceptions of the beneficiaries of Islamic banks. The study aims to examine Turks and Syrian customers' preference and behaviors to find out the reasons affect their choosing between Islamic and conventional banks in Turkey. According to the findings; age, occupation, and monthly income influence both Turkish and Syrian customers in Islamic banking preferences. However, the gender does not affect either Turkish or Syrian customers in their selection. Education was found to be an influencer factor for Syrian customers, but not for Turkish. However, after comparing the results of Turks and Syrians, Islamic banking selection-related differences were found between Turks and Syrians with regards to gender, education level, profession, and monthly income, but no age-related differences were found. The research results suggest that there is an effect of bank reputation, customer awareness, service quality, and employee behavior on the customers' preferences toward Islamic banking, whereas the religion factor neither affect Turks nor Syrians. The mass media in Turkey, however, affects the Turks; but does not affect Syrians.
{"title":"The Turkish and Syrian Customers' Attitudes and Behaviors Towards Islamic Banking in Turkey","authors":"D. Farhoud, Şakir Görmüş","doi":"10.25272/IJISEF.874545","DOIUrl":"https://doi.org/10.25272/IJISEF.874545","url":null,"abstract":"Day after day, the Competition in the banking sector increases; the customer perspective became significant element in the banking sector. This shows how important it is to determine the point of view and perceptions of the beneficiaries of Islamic banks. The study aims to examine Turks and Syrian customers' preference and behaviors to find out the reasons affect their choosing between Islamic and conventional banks in Turkey. According to the findings; age, occupation, and monthly income influence both Turkish and Syrian customers in Islamic banking preferences. However, the gender does not affect either Turkish or Syrian customers in their selection. Education was found to be an influencer factor for Syrian customers, but not for Turkish. However, after comparing the results of Turks and Syrians, Islamic banking selection-related differences were found between Turks and Syrians with regards to gender, education level, profession, and monthly income, but no age-related differences were found. The research results suggest that there is an effect of bank reputation, customer awareness, service quality, and employee behavior on the customers' preferences toward Islamic banking, whereas the religion factor neither affect Turks nor Syrians. The mass media in Turkey, however, affects the Turks; but does not affect Syrians.","PeriodicalId":136568,"journal":{"name":"International Journal of Islamic Economics and Finance Studies","volume":"102 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-03-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114191667","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
In this study, practices regarding the accounting of sukuk investment certificates purchased by an exemplary company registered in the stock exchange, open to the public and accepted as Public Interest Institution (KAYIK) are included. For this purpose, the definition of sukuk and its types are explained in the first part, and then legal regulations related to sukuk are mentioned. The second section provides information about the legal regulations in Turkey regarding sukuk, In the third and last part, information is given about the accounting regulations for sukuk certificates in our country and in the world, and FFMS 33 Sukuk, Investments in Shares and Similar Instruments, and Financial Reporting Standards for FFMS 34 Sukuk Holders. Finally, accounting procedures were carried out within the framework of the chart of accounts proposed by Puplic Oversight Authority (KGK) about the sukuk certificates purchased by a company that has adopted the public offering system registered in the stock market.
{"title":"Accounting of Sukuk Investment Certificates in Scope Of FFMS 33 And FFMS 34","authors":"Aynur Akpinar, Mehmet Emin Çetintaş","doi":"10.25272/IJISEF.821044","DOIUrl":"https://doi.org/10.25272/IJISEF.821044","url":null,"abstract":"In this study, practices regarding the accounting of sukuk investment certificates purchased by an exemplary company registered in the stock exchange, open to the public and accepted as Public Interest Institution (KAYIK) are included. For this purpose, the definition of sukuk and its types are explained in the first part, and then legal regulations related to sukuk are mentioned. The second section provides information about the legal regulations in Turkey regarding sukuk, In the third and last part, information is given about the accounting regulations for sukuk certificates in our country and in the world, and FFMS 33 Sukuk, Investments in Shares and Similar Instruments, and Financial Reporting Standards for FFMS 34 Sukuk Holders. Finally, accounting procedures were carried out within the framework of the chart of accounts proposed by Puplic Oversight Authority (KGK) about the sukuk certificates purchased by a company that has adopted the public offering system registered in the stock market.","PeriodicalId":136568,"journal":{"name":"International Journal of Islamic Economics and Finance Studies","volume":"6 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-02-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127287210","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Faizsiz bankacilik hakkinda farkli kanaatlerin oldugu malumdur. Bu kanaatler iyi uygulamalar yani sira yanlis uygulamalarla da beslenmekte cesitli on yargi, yanlis bilgi ve algilara yol acabilmektedir. Elbette bu durum sistemin dogru, tutarli ve samimi bir usulle uygulanabilecegi gercegini yok edemez. Ustelik bu model sadece Muslumanlara degil kapitalist ekonominin zararlarindan korunmak isteyen tum insanlara bir alternatif sunma potansiyeline sahiptir. Mevcut haliyle elbette mukemmel bir model olusturuldugu iddia edilemez. Ancak gecmisten beri Islami ve insani hassasiyete sahip Islam iktisadi ilkelerinin guncel hayata uygulanabilecek bir modele ve esneklige donusturulmesi gerekmektedir. Her model ve kurum ancak yapici elestiriler, kurucu tavsiyeler ve ufuk acici rehberliklerle gelisip kemale erebilir. Gunumuz sartlari ve surekli yenilenen iktisadi faaliyetler dusunuldugunde bu sistemin amacina uygun kuresel ve kapsayici bir genislikte uygulama alanina kavusmasi icin cok daha yol kat etmek gerekecektir. Sistemin gelismesi bunu cok iyi anlamaya, planlamaya, saglam esaslara oturtmaya ve insanlara iyi tanitmaya baglidir. Ferdi veya mahalli kurumsal hatalar sistemin butunune takoz olarak ileri surulmemeli, sistemi gelistirebilecek capli donanimli insanlar buraya kazandirilmalidir. Bu durumda katilim bankaciliginin temel sorunlari olarak yapisal sorunlar, algi sorunlari, kanuni sorunlar, uygulama sorunlari ve beklentilerin karsilanmasi meselesi tun boyutlariyla ele alinmali, tartisilmalidir. Ayrica personelin egitimi, faizsiz modellerin cesitlendirilmesi, bazi uygulamalarin revize edilmesi, isbirligi ve dunya piyasasina acilma imkanlari, sektor bazli genisleme imkanlari, kanuni ve ozel tesebbus desteginin artmasi gibi hususlar irdelenmelidir. Kamu otoritesinin kanuni destegi olursa bu kurumlar arzu edilen ekonomik kalkinmaya araci olabilir. Malin korunmasi, atil halden cikarilip nemalandirilmasi, kalkinma stratejilerine uygun olarak yonlendirilmesi halinde gercek bir kalkinma imkanina kavusulmus olacaktir. Ancak bunun basarilmasi tasarruflari kisir dongulu islere degil buyuk yatirim ve kalkinma alanlarina yonlendirmeye baglidir.
{"title":"KATILIM BANKACILIĞI: YAPI, UYGULAMA ve YASA BAĞLAMINDA TEMEL SORUNLAR","authors":"Yunus Keleş","doi":"10.25272/ijisef.707169","DOIUrl":"https://doi.org/10.25272/ijisef.707169","url":null,"abstract":"Faizsiz bankacilik hakkinda farkli kanaatlerin oldugu malumdur. Bu kanaatler iyi uygulamalar yani sira yanlis uygulamalarla da beslenmekte cesitli on yargi, yanlis bilgi ve algilara yol acabilmektedir. Elbette bu durum sistemin dogru, tutarli ve samimi bir usulle uygulanabilecegi gercegini yok edemez. Ustelik bu model sadece Muslumanlara degil kapitalist ekonominin zararlarindan korunmak isteyen tum insanlara bir alternatif sunma potansiyeline sahiptir. Mevcut haliyle elbette mukemmel bir model olusturuldugu iddia edilemez. Ancak gecmisten beri Islami ve insani hassasiyete sahip Islam iktisadi ilkelerinin guncel hayata uygulanabilecek bir modele ve esneklige donusturulmesi gerekmektedir. Her model ve kurum ancak yapici elestiriler, kurucu tavsiyeler ve ufuk acici rehberliklerle gelisip kemale erebilir. Gunumuz sartlari ve surekli yenilenen iktisadi faaliyetler dusunuldugunde bu sistemin amacina uygun kuresel ve kapsayici bir genislikte uygulama alanina kavusmasi icin cok daha yol kat etmek gerekecektir. Sistemin gelismesi bunu cok iyi anlamaya, planlamaya, saglam esaslara oturtmaya ve insanlara iyi tanitmaya baglidir. Ferdi veya mahalli kurumsal hatalar sistemin butunune takoz olarak ileri surulmemeli, sistemi gelistirebilecek capli donanimli insanlar buraya kazandirilmalidir. Bu durumda katilim bankaciliginin temel sorunlari olarak yapisal sorunlar, algi sorunlari, kanuni sorunlar, uygulama sorunlari ve beklentilerin karsilanmasi meselesi tun boyutlariyla ele alinmali, tartisilmalidir. Ayrica personelin egitimi, faizsiz modellerin cesitlendirilmesi, bazi uygulamalarin revize edilmesi, isbirligi ve dunya piyasasina acilma imkanlari, sektor bazli genisleme imkanlari, kanuni ve ozel tesebbus desteginin artmasi gibi hususlar irdelenmelidir. Kamu otoritesinin kanuni destegi olursa bu kurumlar arzu edilen ekonomik kalkinmaya araci olabilir. Malin korunmasi, atil halden cikarilip nemalandirilmasi, kalkinma stratejilerine uygun olarak yonlendirilmesi halinde gercek bir kalkinma imkanina kavusulmus olacaktir. Ancak bunun basarilmasi tasarruflari kisir dongulu islere degil buyuk yatirim ve kalkinma alanlarina yonlendirmeye baglidir.","PeriodicalId":136568,"journal":{"name":"International Journal of Islamic Economics and Finance Studies","volume":"39 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-11-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131836270","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
In the past few decades, Islamic banking has gained the popularity not only in Muslim countries but also in non-Muslim countries. This is due to the fact that the products and services provided by Islamic banking are not only intended for Muslims but also non-Muslims. As one of the largest Muslim population countries in the world, Indonesia has the potential to develop its Islamic banking. However, not all the Indonesians have the same level of knowledge and perceptions about Islamic banking. Therefore, it will turn to be the obstacles of Islamic banking growth in the future. This research is conducted to investigate the knowledge and perception of Muslim and non-Muslim about the products and services provided by Islamic banking in Papua Province, one of the regions in Indonesia with minority Muslim population. Using the questionnaire to collect the data from 452 Muslim respondents and 231 non-Muslim respondents, the result showed that there is a correlation between religion and knowledge as well as religion and understandings of Islamic banking products, services, and operational activities. Furthermore, this study also reveals that both Muslims and non-Muslims have a good and positive perception of Islamic banking.
{"title":"KNOWLEDGE AND PERCEPTION OF MUSLIM AND NON-MUSLIM CUSTOMERS IN PAPUA PROVINCE TOWARDS ISLAMIC BANKING","authors":"I. Pratiwi, Fachrudin Fiqri Affandy","doi":"10.25272/ijisef.693027","DOIUrl":"https://doi.org/10.25272/ijisef.693027","url":null,"abstract":"In the past few decades, Islamic banking has gained the popularity not only in Muslim countries but also in non-Muslim countries. This is due to the fact that the products and services provided by Islamic banking are not only intended for Muslims but also non-Muslims. As one of the largest Muslim population countries in the world, Indonesia has the potential to develop its Islamic banking. However, not all the Indonesians have the same level of knowledge and perceptions about Islamic banking. Therefore, it will turn to be the obstacles of Islamic banking growth in the future. This research is conducted to investigate the knowledge and perception of Muslim and non-Muslim about the products and services provided by Islamic banking in Papua Province, one of the regions in Indonesia with minority Muslim population. Using the questionnaire to collect the data from 452 Muslim respondents and 231 non-Muslim respondents, the result showed that there is a correlation between religion and knowledge as well as religion and understandings of Islamic banking products, services, and operational activities. Furthermore, this study also reveals that both Muslims and non-Muslims have a good and positive perception of Islamic banking.","PeriodicalId":136568,"journal":{"name":"International Journal of Islamic Economics and Finance Studies","volume":"48 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-11-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131615452","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This paper explores the applying of the IFRS 9 by the IFRS’s compliant firms with Sukuk, concentrating on the problems of Sukuk classification and using the expected credit loss model. Employing the methodology of three stages; started through a written survey with listed firms financial managers then semi-structured interviews language with Islamic accounting and IFRS's experts. Finally, a questionnaire distributed to external auditors. The article concluded; the IFRS’s compliant firms could apply the IFRS9 with Sukuk with considering some Islamic rules related to the Sukuk. The article gives a practical guide to deal with Sukuk under IFRS9. Instructions were suggested to classify and measure the Sukuk. listed firms shall justify that treatment according to the IFRS’s conceptual framework. Additionally, using the equity methods as IAS 28 and classifying as financial assets by fair value through profit or loss. Debt-based Sukuk are classified only under amortised cost since they are not tradable. The listed firms should apply the ECLM on Debt-based Sukuk only, and by using other prevailed factor than the interest rate when involving the expected credit loss. providing solutions to the mentioned problems will increase the willingness of the IFRS’s compliant firms to invest in Sukuk and advance the Sukuk market.
{"title":"Applying IFRS9 with Sukuk by IFRS’s Compliant Firms","authors":"Amer Morshed","doi":"10.25272/ijisef.806932","DOIUrl":"https://doi.org/10.25272/ijisef.806932","url":null,"abstract":"This paper explores the applying of the IFRS 9 by the IFRS’s compliant firms with Sukuk, concentrating on the problems of Sukuk classification and using the expected credit loss model. Employing the methodology of three stages; started through a written survey with listed firms financial managers then semi-structured interviews language with Islamic accounting and IFRS's experts. Finally, a questionnaire distributed to external auditors. The article concluded; the IFRS’s compliant firms could apply the IFRS9 with Sukuk with considering some Islamic rules related to the Sukuk. The article gives a practical guide to deal with Sukuk under IFRS9. Instructions were suggested to classify and measure the Sukuk. listed firms shall justify that treatment according to the IFRS’s conceptual framework. Additionally, using the equity methods as IAS 28 and classifying as financial assets by fair value through profit or loss. Debt-based Sukuk are classified only under amortised cost since they are not tradable. The listed firms should apply the ECLM on Debt-based Sukuk only, and by using other prevailed factor than the interest rate when involving the expected credit loss. providing solutions to the mentioned problems will increase the willingness of the IFRS’s compliant firms to invest in Sukuk and advance the Sukuk market.","PeriodicalId":136568,"journal":{"name":"International Journal of Islamic Economics and Finance Studies","volume":"186 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-11-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116389434","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
京公网安备 11010802042870号
京ICP备2023020795号-1
扫码关注我们
求助内容：
应助结果提醒方式：