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This issue (Ihtifaz: Journal of Islamic Economics, Finance, and Banking Volume 2 Issue 1 Year 2019) has been available online since 24st June 2019 for the regular issue of June 2019. All articles in this issue consist of 5 original research articles were authored/co-authored by 10 authors from 6 universities (Indonesian Universities: Universitas Gadjah Mada, Universitas Muhammadiyah Magelang, Universitas Islam Indonesia, Universitas Islam Raden Rahmat Malang) and (Universities from overseas: Islamic Science University of Malaysia, International Islamic University of Malaysia,).