Velocity: Journal of Sharia Finance and Banking is a journal that provides authoritative scientific information sources for researchers and academics in academia, research institutions, government agencies, and industry. ISSN Print is XXXX-XXXX and Online is XXXX-XXXX. We publish original research papers, review articles and case studies focused on Islamic Finance and Banking as well as related topics. All papers were peer reviewed by at least two reviewers. This journal is maintained and published by Department of Islamic Banking, Faculty of Islamic Economics and Business, Institut Agama Islam Negeri Pekalongan.