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The copyright for any article in the LOBI: Jurnal Ekonomi, Manajemen, Bisnis Islam is fully held by the author under a  Creative Commons Attribution-ShareAlike 4.0 International License.

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LOBI: Jurnal Ekonomi, Manajemen, Bisnis Islam published under the terms of a Creative Commons Attribution-ShareAlike 4.0 International License. (CC BY-SA 4.0). This license permits anyone to copy and redistribute this material in any form or format, compose, modify, and make derivative works of this material for any purpose, including commercial purposes, so long as license the modified material under identical terms.