1.0 FORMATTING
Following are the instructions to Author(s) for Formatting the manuscript before submission:

1.1 Title page: A separate page without name(s) of author(s)
The title should be short and clear. It should provide enough description of the research work and should contain the key words describing the work presented. If the title of the research paper is insufficient, researchers will have difficulty finding your article. The title page should not list the authors and their affiliations

1.2 Profile page/Affiliation page: A separate page
Naming authors on a research paper ensures that the appropriate individuals get credit, and are accountable, for the research. Each author listed in should have participated sufficiently in the work and should have made substantial contributions to conceptualise the research work, acquisition of data, it's analysis and interpretation of data; drafting the manuscript to be published.

While putting the names of more than one author, first/one author must be designated as the corresponding author when submitting an article. The corresponding author is the one individual who takes primary responsibility for communication with the journal during the manuscript submission, peer review, and publication process, and typically ensures that all the journal's administrative requirements. The corresponding author should be available post publication to respond queries.

1.3 Manuscript Text – The pages to cover the following

• Abstract
• Introduction
• Objective (s)
• Literature review
• Research methodology
• Results/Findings
• Discussion
• Limitations and future research (if any)
• Conclusions
• Acknowledgments
• References
• Tables and Figures
• Appendices and supplemental information

1.3.1 Abstract: The introduction usually describes the theoretical background, indicates why the work is important, states a specific research question, and poses a specific hypothesis to be tested. This section should provide statement of purpose and rationale.

The abstracts should be in 200-300 words. Regardless of the type of manuscript, abstracts must be structured using the following sections:

• Purpose: The Purpose section must include a concise statement of the specific purposes, questions addressed, and/or hypotheses tested.
• Method: The Method section must describe characteristics and numbers of participants and provide information related to the design of the study If the article is not data-based, information should be provided on the methods used to collect.
• Results: The Results section should cover very concisely the findings as they apply directly to the objective of the research paper.
• Conclusions: The Conclusions section must state specifically the extent to which the stated purposes of the article have been met.

1.3.2 Introduction: The introduction usually describes the theoretical background, indicates why the research work is important, states a specific research question, and poses a specific hypothesis to be tested. This section should provide statement of purpose and rationale behind the research work.

1.3.3 Objective (s): In this section authors(s) should clearly mention the objective(s) of the research study. Author(s) should indicate that whether the paper is 'review paper' (based on other published articles summarising the existing literature) or a 'original research paper' (based on experiments, survey, interview, questionnaire, etc.).

1.3.4 Literature Review: This section must cover review of published scholarly papers, which includes the current knowledge including substantive findings, as well as theoretical and methodological contributions to a topic under your research. The papers selected for review process should be on the topics in line with or related to the research objectives mentioned in 1.3.3.

1.3.5 Research Methodology: This section must provide a clear and precise explanation of how the study and why specific experimental procedures were chosen. This section describes both the techniques and the overall experimental strategy used by the authors to address any questions the readers may have about the experimental design. The methods section must be written with enough information so that the audience can judge the study's validity and methods could be repeated in future by others to determine if the results can be replicated.

1.3.6 Results/Findings: The results section contains the data collected during study and is the heart of a research paper. The body of the results section is a presentation (text/table) of the key findings which includes references to each of the Tables and Figures. Much of the essential information may be in the form of tables or graphs.

1.3.7 Discussion: The discussion section should explain what the results/findings mean and how the results relate to other studies. This section interprets your findings, evaluates the hypotheses or research questions, discusses unexpected results, and ties the findings to the previous literature (discussed first in the Introduction). Any possible objections to the work and/or suggestions of areas for improvement in future research can be addressed in this section.

1.3.8 Limitations & Future research (if any): This section should clearly mention the limitations in the research study covering samples selection, survey location, information collection and time factor which are related to the studies and the results.

1.3.9 Conclusions: The conclusions derived from the research should be clearly listed in the chronological order.

1.3.10 Acknowledgement: Citation of contract support (grant) of research must be given in an acknowledgments section at the end of the paper (before the References). Institution/ Individuals who assisted in the research may be acknowledged.

1.3.11 References: All literature cited in the text, as well as test and assessment tools. References should be listed alphabetically, then chronologically under each author. Journal names should be spelled out and italicized. The referencing should follow the sequence ie; name of the author(s), year published, title of paper, title of Journal/book, publisher, pages used. The Harvard system should be used in referencing.

• When quoted in the text the style is:
  • Gary Hamel (2004) or ...(Prahlad C. K. 2002) or …Arestis et al.(2001).
• When references are listed (In Reference List) alphabetically after the text
  • Juran Joseph M and Grayna (1991), Quality Control Handbook, McGraw-Hill, New York
  • Desikan, S. and Ramesh, G. (2006). Software testing. Bangalore, India: Dorling Kindersley, p.156.
  • Henderson, K.M. And Evans, J.R. (2000), Successful Implementing of Six Sigma; Benchmarking, An International Journal, Vol. 7, No. 4, pp 260-280,
  • Murinde, V. (1996), Financial Markets and Endogenous Growth: An Econometric Analysis for Pacific Basin Countries, in Hermes, N. and Lensink, R. (ed.) (1996), Financial Development and Economic Growth: Theory and Experiences from Developing Countries. London: Routledge,94-114.

1.3.12 Footnotes: These should be numbered consecutively in the text.

1.3.13 Tables, Charts and Figures: Tables present lists of numbers or text in columns, each column having a title or label. Figures are visual presentations of results, including graphs, diagrams, photos, drawings, schematics, maps, etc. Each table or figure should appear on its own page (i.e., don't put more than one figure or table on the same page). Use Arabic numerals to identify both tables and figures. Table titles and figure captions should be concise but explanatory. The reader should not have to refer to the text to decipher the information.

1.3.14 Appendices: An appendix is an optional part of the paper that allows you to include detailed information that would be distracting in the main body of the article. Examples of items you might have in an appendix include lists of words, a questionnaire or tool used in the study, a detailed description of an apparatus used in the research, etc.

2.0 TECHNICAL INFORMATION
All manuscripts must meet the following technical specifications:

2.1 Language: The manuscript should have written in English language only. Manuscript in any other language will not be considered for review process.

2.2 Font & Size: Manuscript must be typed in font size of 12 pt. in Arial font. It should be left-aligned with 1.5 line-spacing for running text (single-spacing should be used for examples, tables, and figures); page margins must be at a minimum 1.25 inches on all sides. First lines of paragraphs should be indented 0.25 inches; do not add an extra line between paragraphs.

2.3 Number of Pages: The manuscripts max up to 40000 words are considered for publication

2.4 Author(s) Name: Manuscripts are reviewed anonymously. Therefore, authors must not use their own names in such a way as to identify themselves. References to the author's own work in the References section may be left under the author's own name.

2.5 Title Page:
This paper must be accompanied by an abstract of no more than 300 words; this is a separate page in the manuscript at time of submission. Do not include an abstract in the body of the paper. This page should not include/mention name(s) of author(s.)

2.6 Affiliation & Profile Page: A separate page mentioning the brief profile (covering affiliation and email Ids of the author(s) should accompany the manuscript indicating the clearly the name of the corresponding author.

2.7 Table of Contents Page: A table of contents for the manuscript must be included to indicate outline format, the basic organization of the paper. This should be on a separate page.

2.8 Text Pages (Main manuscript): These pages starting with title of the research work should cover the entire text of the research paper.

2.9 Page Numbers: The pages, examples, figures, and tables must be numbered consecutively to allow the editors and reviewers to refer to specific material in the paper while writing reviews.

2.10 Sources: The paper must contain a complete list of sources cited, given at the end of the manuscript (rather than citations placed in footnotes); references cited in the paper should be included in the list of references

2.11 Abbreviations: The paper must contain a complete list of abbreviations used in examples and discussion.

2.12 Submission: The authors should email the soft copy of the manuscript in Microsoft word format to editor@ijmbf-wealth.org

Note: The manuscripts that do not meet above specifications will be returned to the author for reformatting before being sent out for review.

3.0 DISCLOSURE AND OBLIGATIONS
Following are the instructions to Author(s) for Formatting the manuscript before submission:

3.1 An author's primary obligation is to present a concise, accurate account of the research performed, as well as an objective discussion of its significance. A paper should contain enough detail and references to public sources of information to permit the author's peers to replicate the work.

3.2 When author(s) submit(s) a manuscript, he/they should disclose all financial and personal relationships that might bias or be seen to bias their work.

3.2 All contributors, who have made substantive intellectual contributions to a paper are given credit as authors (co-authors) and they understand their role in taking responsibility and being accountable for what is published.

3.3 The corresponding author, should communicate with the journal during the manuscript submission, peer review, and publication process should ensures that all the journal's administrative requirements are properly completed.

3.4 The author(s) should complete the Author's Declaration Form (ADF) after the manuscript is accepted for publication in the journal. The scanned copy of the ADF should be emailed to the editor. This is confirmation of copyrights of manuscript transferred for to publisher.

3.5 The author(s) to ensure that the research paper is based on the original research conducted and as manuscript submitted is the original work done by himself/themselves.

3.6 Author(s) to ensure that the permission for any copyrighted material referred or used in the paper is taken from the owner of the copyrighted material.