Zulfadli Hamzah, (Sinta ID: 6102647, Scopus ID: 57044487600), Department of Islamic Banking, Universitas Islam Riau, Pekanbaru, Riau, Indonesia.

Rahmatina Awalan Kasri, (Sinta ID:  6037974, Scopus ID: 36622333500), Faculty Economy and Business, Universitas Indonesia.

Sri Rahayu Hijrah Hati, (Sinta ID: 5997315, Scopus ID: 56684881000), Faculty Economy and Business, Universitas Indonesia.

Mahyarni, (Sinta ID: 6030376, Scopus ID: 57204549363), Sultan Syarif Kasim State Islamic University of Riau, Pekanbaru, Indonesia.

Detri Karya, (SINTA ID: 5995321, Scopus ID: 57044852400), Faculty Economy, Universitas Islam Riau, Indonesia.

Zulhemy, (SINTA ID: 6003461, Scopus ID: Documentsscopus), Faculty Economy, Universitas Islam Riau, Indonesia.

Daharmi Astuti, (SINTA ID: 5999721), Department of Islamic Economics, Universitas Islam Riau, Pekanbaru, Riau, Indonesia.

Boy Syamsul Bakhri, (Scopus ID: 57210290795), Department of Islamic Economics, Universitas Islam Riau, Pekanbaru, Riau, Indonesia.

Jihan Ahmad, Islamic University College of Perlis, Malaysia.

Ascarya, Senior Researcher in Bank Indonesia.

Ali Sakti, Senior Researcher in Bank Indonesia.

Mohd Izzat Bin Mohd Abd Shukur, Kolej Profesional Baitulmal Kuala Lumpur (KPBKL), Malaysia.

Muhammad Irhammudin Ibrahim, Kolej Profesional Baitulmal Kuala Lumpur (KPBKL), Malaysia.

Nanda Suryadi, (SINTA ID: 6719702, Scopus ID: 57202505688), Sultan Syarif Kasim State Islamic University of Riau, Pekanbaru, Indonesia.

Mardziyah Binti Mohd Isa, Kolej Universiti Islam Perlis (KUIPs), Malaysia.

Nur Syamilah Md Noor, Kolej Universiti Islam Perlis (KUIPs), Malaysia.