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Achmad Tohirin(1), Mohd Adib Ismail(2), (1) Magister of Islamic Finance and EconomicsPost Graduate ProgramFaculty of Economics, Universitas Islam IndonesiaCondong Catur, Depok, Sleman, Yogyakarta, 55283, IndonesiaTelp. 62 274 883 525 Fax. 62 274 883 526 (2) Research Centre for Islamic Economics and FinanceSchool of Economics, Faculty of Economics and ManagementUniversiti Kebangsaan Malaysia, Bangi, Selangor, D.E.Tel: 603-8921 5760 Fax: 603-8921 5789
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