نشریه اقتصاد و بانکداری اسلامی
پیاپی 10 (بهار 1394)

This paper examines the role of nonconformity the business ethics in achieving the objectives of the implementation plan including early return firms and national development fund, that use from the affordable facilities on duty. Three groups will play a role in these projects, first approvers that at the macro level should consider the objectives of national development plans, facilities, resources and product market comments towards the adoption and appropriation of the city or province, Then at the micro level, payers should with pay and monitor the implementation of the project and consumers with receive and use it in desired plan in addition to creating jobs and earn money increase the production. Based on the results, despite the correct diagnosis supported of domestic productive, it seems there were problems in its implementation. what is certain this facilities are not often used in desired plans and by increasing the liquidity and its use in business activities, Inflation has increased to society. The reason can be found in non-compliance with professional ethics by the three groups said. Misdiagnosis of designs from the resources in the region, to implement the plan to increase the price of the product and inflation regional, also lack of marketing to project causing stagnation and bankruptcy plan and has received no the facility. On the other hand, the lack of professional ethics in use of the facility in desired design by its recipients and the lack of monitoring of correct implementation by the payers of the most significant factors are full fail in increase national production.

Ethical banking as a kind of banking method along has conventional goals, try to respect to rights of people, preservation stability of economic and social system, maintenance of environment, revival public trust and confidence to banking industry, help to improvement quality of life.
According to moral teaching of Islamic sharia about management and economic affairs and sublime goals of Islamic republic of Iran in monetary and banking activities and so the helpful experience of world about ethical banking, we can say our banking system needs to structured ethical banking system in laws and practical approaches of banking system. We have been tried to offer recommendations for implementations of Iranian ethical banking.

Speaking of the consumer is speaking about all persons in society and the search for consumer rights, the search is for all their rights. In this paper, has been used analytical–descriptive approach. According to this article, Islam has investigated consumer rights, the government's responsibility in this matter and take the necessary action to support it. Sanctions of riba, prohibition of hoarding and etc intransactions are only examples to support consumer rights in Islamic jurisprudence. The second part examines the performance of the Iranian economy in the field of consumer rights. It can be said in iran, rule of market system has been acted in effecient that main reason could be strong presence of State and governmental outsoursings and monopolies and rent-seeking. Rules defined and implemented in such a way that not only did not help market transparency, but also has become a factor has fueled the deteriorating situation. Finally, it can be said consumer rights and protection from those With what considered Islam and emphasized the abundant this is far.

The economic systems are assessed and qualified with the following fundamental questions: what to produce? How to produce? And For whom to produce? Pure capitalism system answers to these questions through the market mechanism in the framework of positivism approach. In this method the economics distances from the ethic theme and it enthusiasms towards mathematic and engineering theme tune. The main challenge of this system is the market failure. In fact, the market inefficiency and failure is involved in subjects like resources allocations and inability or intendancy of private sector in producing of public goods and services which has led the pure capitalism system toward the mixed system and appearance of welfare states. Nevertheless, the concept of market failure couldn’t be able to explain the inability of the market in recognizing and applying of ethical values in the solving of different social and economic problem. On the other hand, the answers of Islamic economic system can be inspected in a triangle dimension. In this system the role of market in setting of price on products and production factors as well as allocation of resources is inevitable. However, answers to the above question in this system cannot be issued unless considering and applying of Islamic law (Sharia) and ethical values. This integration of factors and making restrictions in response to the above mentioned questions forms a new paradigm which distinguishes the Islamic economic system from other systems. According to this system the market’s price signal wouldn’t be sufficient condition for demand and production. Also, relative prices, profit maximization and purchasing power could not be the only reasons for resource allocations and decision makings for productions and consumptions. Hence, the current paper aims to compare two above mentioned system. Also, it is aimed to precisely analysis the ethical and legal aspects of Islamic economic system approach in response to the above asked questions as well as the departure of classical economics from the ethical values attitudes. In this context, subjects like economic man in Islamic perspective and forming of human moral behavior are considered as the main groundwork of Islamic economic system in responses to the above asked questions. Furthermore, in this paper, the social justice issue and the role of Islamic social institution like Islamic public bail (social guarantees) as well as Islamic government in determination of social interests and directing and influencing of private sector’s activities based on the asked questions are emphasized.

Throughout history, from the beginning of creation, man has been naturally interested in the development and improvement and continuously efforts to achieve better positions and more so. On the other hand, justice is considered sometimes alone and sometimes with the efficiency in the economy as two important issues. Economic and social justice is that when there is the conflicting demand and justice provides compatibility between different desires. Islam is a way of life. Islam is a comprehensive religion that physical and spiritual aspects of human existence is intended together and for all his needs offered a certain agenda. Therefore, about justice and sustainable development also provides practical instructions and explain concepts and two concepts is known and studied together. Development and sustainable development in Islam (to achieve the transcendent objectives of human) has the material and spiritual aspects. According to Islam, the concept of sustainable development and development does not just look prosperity in this world, but also prosperity in both worlds are concerned there is no difference between the two worlds. In this context, justice is the core as long as Muslims to operate Islamic teachings in their daily lives. This paper describes the concept sustainable development and justice from Islamic perspective, and the relationship between justice and sustainable development in Islamic economics is studied. This paper seeks to answer this question whether from Islamic economics perspective sustainable development in connection with the justice defined and checked or not. The results suggest that Islamic justice will be established when poverty is disappeared and distributive justice established. Also protection from natural resources will establish intergenerational justice. The satisfaction requires the ethical development and satisfaction of material needs requires the development of all human and material resources in a way that is fair, while the materials are manifested as a tool to achieve the higher goals that Islam has determined. In previous studies clearly justice and sustainable development communication and its position has not been explained while they are the main focus in this research. The study of Human Development Index in the case of Iran indicate that improving problems such as unemployment, inflation, poverty and environmental destruction, will close the country's economic development in the Islamic justice.

Corruption undermines the confidence of investors, creates uncertainty and higher cost in production, and ruins the confidence among government, society and producers. The decreasing investment due to corruption hinders economic progress and causes social problems. Iran's economy in the pre- and post-revolution era has experienced corruption, and all individuals responsible for it is often linked with authority in the country even though this linkage cannot merely be a necessary and sufficient condition for this phenomenon. According to the religious leaders, if corruption dominates the society, the unity of community, which strengthen religious government, will disappears, and social and personal ethics and trust will fade, and social conflict will be created. Islam fights against corruption and forces people, society and the Islamic government to combat it. However, Iran ranks among the top 18 countries in terms of Corruption Perception Index (CPI) ranking by Transparency International. This paper uses library and documentary data, employs descriptive-analytical method , and indicates that corruption, besides the economy, influences other social, cultural and political areas. In the end paper, suggestions are provided.