The Bank and Policy Journal welcomes original research articles, reviews, and policy analyses that address issues in banking, finance, economics, and related interdisciplinary fields. To ensure a smooth submission and publication process, authors are kindly requested to carefully follow these guidelines.

---

1. Manuscript Structure

In general, manuscripts should be organized into the following sections:

1. Title – Clear, concise, and informative.

2. Author Information – Full name, institutional affiliation, academic degree(s), professional position, complete postal address, telephone number, email address, and ORCID iD.

3. Abstract – Between 150 and 500 words, written as a single paragraph. The abstract should explicitly address:

   • Relevance of the study.

   • Scientific novelty.

   • Originality and contribution (non-repetition of the problem).

4. Keywords – 5 to 8 keywords closely related to the manuscript’s content.

5. Introduction – Context, objectives, and significance of the study.

6. Main Text / Discussion – Clear presentation of methodology, analysis, results, and critical discussion of the problem.

7. Conclusion – Summary of findings, key contributions, and policy or research implications.

8. Acknowledgment – Optional but encouraged (see Section 4 below).

9. References – Complete list of all cited sources, formatted according to APA 7th edition style.

---

2. Formatting Requirements

• File format: Microsoft Word (.doc or .docx).

• Font: Times New Roman, 12 pt.

• Margins: 2 cm on all sides.

• Spacing: 1.0 (single line).

• Paragraphs: Align left; no extra spaces between paragraphs.

• Headings: Use clear hierarchical headings (e.g., 1., 1.1., 1.2.).

• Length: Articles are typically 4,000–8,000 words, including references.

Authors do not need to format the article for journal style. The editorial team will standardize formatting during production. However, authors must submit a clean, well-structured manuscript following the above requirements.

---

3. Citation and Referencing Style

The journal accepts APA 7th edition as the standard reference style. In-text citations should be consistent and correspond to the reference list.

Examples:

• APA style: (Mammadov, 1972)

• Numeric style: [12,3] (permitted for Azerbaijani authors, as required by the Higher Attestation Commission).

Examples of References

Journal Article
Yadav, U. S., Tripathi, R., Tripathi, M. A., & Mammadov, N. (2022). MSME industries in Uttar Pradesh with special focus on (ODOP) Aligarh lock industry and Moonj craft of Prayagraj. Bank and Policy, 2(3), 17–29. https://doi.org/10.5281/zenodo.6508308

Book
Mammadov, A. (1979). Politics. Baku: Azerneshr.

Conference Proceedings
Ahmadov, H. (2021). Jadidism movement and its integration into the education system of the Turkish people. Science, Education and Innovations in the Context of Modern Problems Conference, 4(2), 9–14. Baku, Azerbaijan, November 2021. https://doi.org/10.5281/zenodo.6284077

Online Resource
Yadav, U. S., Tripathi, R., Tripathi, M. A., & Mammadov, N. (2022). MSME industries in Uttar Pradesh with special focus on (ODOP) Aligarh lock industry and Moonj craft of Prayagraj. Retrieved from https://bankandpolicy.org/subject-areas/social-sciences-education-economics/29-msme-industries-in-uttar-pradesh-with-special-focus-on-odop-aligarh-lock-industry-and-moonj-craft-of-prayagraj.html

---

4. Acknowledgment

Authors are encouraged to include an Acknowledgment section following the Conclusion. This section should briefly recognize:

• Individuals who provided support but are not listed as co-authors (e.g., research assistants, reviewers of earlier drafts).

• Institutions or organizations that contributed resources.

• Funding sources, including full grant numbers and project details.

Example:
“The authors gratefully acknowledge the financial support provided by the Ministry of Education and Science of Azerbaijan under Grant No. 2025-XYZ. The authors also thank Dr. A. Karimov for his valuable comments on earlier drafts of this paper.”

---

5. Plagiarism and Research Ethics

The Bank and Policy Journal applies a zero-tolerance policy towards plagiarism and unethical practices. All submitted manuscripts are screened using plagiarism detection software. Articles with significant overlap, duplication, or unethical citation practices will be immediately rejected.

Authors are expected to:

• Submit only original work that has not been published elsewhere.

• Properly acknowledge all sources of data, figures, or ideas.

• Refrain from self-plagiarism and duplicate submissions.

• Ensure all co-authors have significantly contributed to the work.

• Provide accurate and verifiable data, avoiding falsification or fabrication.

Cases of suspected research or publication misconduct are handled in accordance with the guidelines of the Committee on Publication Ethics (COPE). For details, see: https://publicationethics.org

---

6. Ethical and Legal Requirements

By submitting a manuscript, authors confirm that:

1. The work is original and has not been published elsewhere.

2. The manuscript is not under review by another journal or publisher.

3. All sources and references are properly cited.

4. The work is free from plagiarism, falsification, or unethical content (e.g., offensive language, defamatory claims).

5. All potential conflicts of interest are disclosed.

6. Author information (names, affiliations, ORCID iDs, emails) is complete and accurate.

7. Research involving humans or animals complies with institutional ethical standards (if applicable).

---

7. Open Access Policy

All published articles in the Bank and Policy Journal are open access and distributed under the terms of the Creative Commons Attribution License (CC BY 4.0), permitting unrestricted use, distribution, and reproduction, provided the original work is properly cited. Authors retain copyright of their articles.