Journal of banking, management and accounting research (JRPMA) published by the Perbanas Institute Jakarta Postgraduate School, which is published twice a year; January and July. Journal of banking, management and accounting research (JRPMA) has the scope of writing: Banking, Management and Accounting,

1. Instructions To Authors

In order for a paper to be submitted to the Journal of banking, management and accounting research (JRPMA) for publication, the following should be taken into consideration:

1. All papers must be in two languages, English and Indonesian.
2. Papers for publication should be sent both as manuscripts and in electronic format (MS Word 2007 or later format for the text and MS Excel 2007 or later format for the charts) to the General Editor.
3. The Editors take for granted that:
   • the submitted paper contains original, unpublished work that is not under consideration for publication elsewhere;
   • authors have secured any kind of permission necessary for the publication from all potential co-authors, along with having agreed the order of names for publication;
   • authors hold the copyright, have secured permission for the potential reproduction of original or derived material and are ready to transfer copyright of the submitted paper to the publisher, upon acceptance for publication.

Abstract: After the title of the article, the names and the affiliations of the author(s) a 150-350 words abstract is required.
The abstract must be clear and concise containing at least, the following:

• Purpose
• Design/Methodology/Approach
• Findings
• Practical Implications
• Originality/Value
• Keywords
• Paper Type:  Research Paper/Commentary/Case Study/Other 

1. Submission of manuscripts: Manuscripts should be sent in one copy, printed only on one side of paper sized A4, be double spaced with wide margins (3cm left, 3cm right) and consecutively numbered pages (bottom left). The first page should be designed as to accommodate, along with part of the text, the following (in that order, reading from top to bottom):
   1. the paper title and potential subtitle(s),
   2. the name and institution(s) of the author(s),
   3. an abstract, that shouldn't exceed 100 words, with letter format size 10,
   4. a footnote containing detailed information related to the author(s) (name, full address, institution in which the author(s) work, telephone and fax numbers, e-mail address, as well as any other relevant information),
   5. a footnote, marked by an asterisk, containing potential acknowledgments.
2. Submission of manuscripts in electronic form: Authors must submit electronic manuscripts as well, using the online paper submission form. The submission should only contain the file(s) of the papers submitted for publication, in MS Word 2007 or later format for the text and MS Excel 2007 or later format for charts. If more than one file, a compressed file (.zip) should be submitted instead.
3. Formatting requirements: Everything should be double-spaced (main text, footnotes, bibliography, etc.) Type of font-paragraph format required.
4. References in the main text should cite, inside parentheses, the surname of the author(s) and the year of publication, e.g. (Harisson, 1998). Bibliography at the end of the main text (after potential appendices, before potential tables or legends for figures) should contain publications relevant to the subject of the paper, listed in alphabetical order by the authors` surname, as follows: For books: Hawawini, G. and I. Swary, 1990, "Mergers and acquisitions in the U.S. banking industry: Evidence from the capital markets" (North-Holland, Amsterdam). For periodicals: Griffiths, W. and G. Judge, 1992, "Testing and estimating location vectors when the error covariance matrix is unknown", Journal of Econometrics 54, 121-138. Abbreviations are only accepted in the authors' first names.
5. Footnotes should be as few and as short as possible (preferably devoid of tables or formulae), marked in the manuscript by superscripts in Arabic figures.
6. Formulae should be numbered by consecutive, Arabic figures (such as (1), (2), etc.), placed on the right-hand side of the page.
7. Tables should be numbered consecutively in Arabic figures and have a heading and a title. They should be placed on separate pages at the end of the text, after potential appendices and bibliography.
8. Illustrations should be provided by the author(s) in separate sheets, in order for them to be reproduced as such and not be redrawn by the editors.
9. Non-compliance to the above instructions gives the editors the right to return them in order for all necessary changes to be effected by the author(s). The latter are also held responsible for detecting potential errors.

2. Submission

d. About

Publication Ethics and Publication Malpractice

1. Duties of Editors
   1. Fair play and editorial independence
      Editors evaluate submitted manuscripts exclusively on the basis of their academic merit (importance, originality, study’s validity, clarity) and its relevance to the journal’s scope, without regard to the authors’ race, gender, sexual orientation, ethnic origin, citizenship, religious belief, political philosophy or institutional affiliation. Decisions to edit and publish are not determined by the policies of governments or any other agencies outside of the journal itself. The Editor-in-Chief has full authority over the entire editorial content of the journal and the timing of publication of that content.
      Editors and editorial staff will not disclose any information about a submitted manuscript to anyone other than the corresponding author, reviewers, potential reviewers, other editorial advisers, and the publisher, as appropriate.
   2. Disclosure and conflicts of interest
      Editors and editorial board members will not use unpublished information disclosed in a submitted manuscript for their own research purposes without the authors’ explicit written consent. Privileged information or ideas obtained by editors as a result of handling the manuscript will be kept confidential and not used for their personal advantage. Editors will recuse themselves from considering manuscripts in which they have conflicts of interest resulting from competitive, collaborative, or other relationships/connections with any of the authors, companies or institutions connected to the papers; instead, they will ask another member of the editorial board to handle the manuscript.
   3. Publication decisions
      The editors ensure that all submitted manuscripts being considered for publication undergo peer-review by at least two reviewers who are expert in the field. The Editor-in-Chief is responsible for deciding which of the manuscripts submitted to the journal will be published, based on the validation of the work in question, its importance to researchers and readers, the reviewers’ comments, and such legal requirements as are currently in force regarding libel, copyright infringement and plagiarism. The Editor-in-Chief may confer with other editors or reviewers in making this decision.
   4. Involvement and cooperation in investigations
      Editors (in conjunction with the publisher and/or society) will take responsive measures when ethical concerns are raised with regard to a submitted manuscript or published paper. Every reported act of unethical publishing behavior will be looked into, even if it is discovered years after publication. MRSJ editors follow the COPE Flowcharts when dealing with cases of suspected misconduct. If, on investigation, the ethical concern is well-founded, a correction, retraction, expression of concern or another note as may be relevant will be published in the journal.
2. Duties of Reviewers
   1. Contribution to editorial decisions
      Peer review assists editors in making editorial decisions and, through editorial communications with authors, may assist authors in improving their manuscripts. Peer review is an essential component of formal scholarly communication and lies at the heart of scientific endeavor. MRSJ shares the view of many that all scholars who wish to contribute to the scientific process have an obligation to do a fair share of reviewing.
   2. Promptness
      Any invited referee who feels unqualified to review the research reported in a manuscript or knows that its prompt review will be impossible should immediately notify the editors and decline the invitation to review so that alternative reviewers can be contacted.
   3. Confidentiality
      Any manuscripts received for review are confidential documents and must be treated as such; they must not be shown to or discussed with others except if authorized by the Editor-in-Chief (who would only do so under exceptional and specific circumstances). This applies also to invited reviewers who decline the review invitation.
   4. Standards of objectivity
      Reviews should be conducted objectively, and observations formulated clearly with supporting arguments so that authors can use them for improving the manuscript. Personal criticism of the authors is inappropriate.
   5. Acknowledgment of sources
      Reviewers should identify relevant published work that has not been cited by the authors. Any statement that is an observation, derivation or argument that has been reported in previous publications should be accompanied by the relevant citation. A reviewer should also notify the editors of any substantial similarity or overlap between the manuscript under consideration and any other manuscript (published or unpublished) of which they have personal knowledge.
   6. Disclosure and conflicts of interest
      Any invited referee who has conflicts of interest resulting from competitive, collaborative, or other relationships or connections with any of the authors, companies or institutions connected to the manuscript and the work described therein should immediately notify the editors to declare their conflicts of interest and decline the invitation to review so that alternative reviewers can be contacted.
      Unpublished material disclosed in a submitted manuscript must not be used in a reviewer’s own research without the express written consent of the authors. Privileged information or ideas obtained through peer review must be kept confidential and not used for the reviewer’s personal advantage. This applies also to invited reviewers who decline the review invitation.
3. Duties of Authors
1. Reporting standards
   Authors of original research should present an accurate account of the work performed and the results, followed by an objective discussion of the significance of the work. The manuscript should contain sufficient detail and references to permit others to replicate the work. Review articles should be accurate, objective and comprehensive, while editorial 'opinion' or perspective pieces should be clearly identified as such. Fraudulent or knowingly inaccurate statements constitute unethical behavior and are unacceptable.
2. Data access and retention
   Authors may be asked to provide the raw data of their study together with the manuscript for editorial review and should be prepared to make the data publicly available if practicable. In any event, authors should ensure accessibility of such data to other competent professionals for at least 10 years after publication (preferably via an institutional or subject-based data repository or other data center), provided that the confidentiality of the participants can be protected and legal rights concerning proprietary data do not preclude their release.
3. Originality and plagiarism
   Authors should ensure that they have written and submit only entirely original works, and if they have used the work and/or words of others, that this has been appropriately cited. Publications that have been influential in determining the nature of the work reported in the manuscript should also be cited. Plagiarism takes many forms, from "passing off" another's paper as the author's own, to copying or paraphrasing substantial parts of another's paper (without attribution), to claiming results from research conducted by others. Plagiarism in all its forms constitutes unethical publishing behavior and is unacceptable.
4. Multiple, duplicate, redundant or concurrent submission/publication
   Papers describing essentially the same research should not be published in more than one journal or primary publication. Hence, authors should not submit for consideration a manuscript that has already been published in another journal. Submission of a manuscript concurrently to more than one journal is unethical publishing behavior and unacceptable.
   The publication of some kinds of articles (such as clinical guidelines, translations) in more than one journal is sometimes justifiable, provided that certain conditions are met. The authors and editors of the journals concerned must agree to the secondary publication, which must reflect the same data and interpretation of the primary document. The primary reference must be cited in the secondary publication.
5. Authorship of the manuscript
   Only persons who meet these authorship criteria should be listed as authors in the manuscript as they must be able to take public responsibility for the content: (i) made significant contributions to the conception, design, execution, data acquisition, or analysis/interpretation of the study; and (ii) drafted the manuscript or revised it critically for important intellectual content; and (iii) have seen and approved the final version of the paper and agreed to its submission for publication. All persons who made substantial contributions to the work reported in the manuscript (such as technical help, writing and editing assistance, general support) but who do not meet the criteria for authorship must not be listed as an author, but should be acknowledged in the "Acknowledgments" section after their written permission to be named as been obtained. The corresponding author should ensure that all appropriate coauthors (according to the above definition) and no inappropriate coauthors are included in the author list and verify that all coauthors have seen and approved the final version of the manuscript and agreed to its submission for publication.
6. Disclosure and conflicts of interest
   Authors should—at the earliest stage possible (generally by submitting a disclosure form at the time of submission and including a statement in the manuscript)—disclose any conflicts of interest that might be construed to influence the results or their interpretation in the manuscript. Examples of potential conflicts of interest that should be disclosed include financial ones such as honoraria, educational grants or other funding, participation in speakers’ bureaus, membership, employment, consultancies, stock ownership, or other equity interest, and paid expert testimony or patent-licensing arrangements, as well as non-financial ones such as personal or professional relationships, affiliations, knowledge or beliefs in the subject matter or materials discussed in the manuscript. All sources of financial support for the work should be disclosed (including the grant number or other reference number if any).
7. Acknowledgment of sources
   Authors should ensure that they have properly acknowledged the work of others and should also cite publications that have been influential in determining the nature of the reported work. Information obtained privately (from conversation, correspondence or discussion with third parties) must not be used or reported without explicit, written permission from the source. Authors should not use information obtained in the course of providing confidential services, such as refereeing manuscripts or grant applications, unless they have obtained the explicit written permission of the author(s) of the work involved in these services.
8. Peer review
   Authors are obliged to participate in the peer review process and cooperate fully by responding promptly to editors’ requests for raw data, clarifications, and proof of ethics approval, patient consents and copyright permissions. In the case of a first decision of "revisions necessary", authors should respond to the reviewers’ comments systematically, point by point, and in a timely manner, revising and re-submitting their manuscript to the journal by the deadline given.
9. Fundamental errors in published works
   When authors discover significant errors or inaccuracies in their own published work, it is their obligation to promptly notify the journal’s editors or publisher and cooperate with them to either correct the paper in the form of an erratum or to retract the paper. If the editors or publisher learns from a third party that a published work contains a significant error or inaccuracy, then it is the authors’ obligation to promptly correct or retract the paper or provide evidence to the journal editors of the correctness of the paper.
4. Duties of the Publisher
   1. Handling of unethical publishing behavior
      In cases of alleged or proven scientific misconduct, fraudulent publication or plagiarism, the publisher, in close collaboration with the editors, will take all appropriate measures to clarify the situation and to amend the article in question. This includes the prompt publication of an erratum, clarification or, in the most severe case, the retraction of the affected work. The publisher, together with the editors, shall take reasonable steps to identify and prevent the publication of papers where research misconduct has occurred, and under no circumstances encourage such misconduct or knowingly allow such misconduct to take place.
   2. Access to journal content
      The publisher is committed to the permanent availability and preservation of scholarly research and ensures accessibility by partnering with organizations and maintaining our own digital archive.

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