This issue (Ihtifaz: Journal of Islamic Economics, Finance, and BankingVolume 3 Issue 2 Year 2020) has been available online since 17st December 2020 for the regular issue of December 2020. All articles in this issue consist of 5 original research articles were authored/co-authored by 13 authors from 6 universities (Indonesian Universities; STEI Yogyakarta, Universitas Islam Indonesia, Universitas Muhammadiyah Yogyakarta, UIN Sunan Kalijaga Yogyakarta, Universitas Ahmad Dahlan, and Universities from overseas; International Islamic University Malaysia) and 1 financial institution (PT. Bank BRI Syariah Indonesia)