نشریه اقتصاد و بانکداری اسلامی
پیاپی 9 (زمستان 1393)

The economic growth is a main economic goal, which requires increasing investment. The personal savings provide resources for investment. In this paper, we aim to compare saving theories among Moslem scholars, according to the Islamic ethics, with saving theories of classical and neo- classical schools. To do this, we use documentary method and apply “content analysis” to analyze related texts. According to the theoretical basics of saving and comparing them with viewpoints of Moslem scholars, the results indicate that saving in the context of Islamic economics contrary to orthodox economics, is compatible with Islamic ethics framework. Hence, new methods are introduced to save more according to the Islamic teachings.

For improvement of financing oil projects, after amending of the Fifth Development Plan and the Budget Law for year 1390, the Ministry of Petroleum and National Iranian Oil Company were permitted for financing and investing in projects upstream use from Sukuk. This permits for better use, need to select the most efficient and effective and most appropriate types of Sukuk. For this aim, did comparative study of the features of each of Sukuk with investment properties characteristics in each of the sectors of oil, and examined compatible Sukuk. Based on the findings of this study, to investments financing in upstream oil industry in sukuk rent (Ijareh), Istisnaa and participation (Mosharekat) are most applicable.

This article reviews the history of Islamic insurance and its principles in Islamic societies and the major differences between conventional and Islamic insurance to commercial insurance follows. Now the debate is within the insurance industry it seems that the insurance cooperative as an alternative to public insurance industry is interest of policy makers.

Qardhul Hasan is an important tool of financial needs and has strong emphasis in Islam. At the present a significant number of Qardhul Hasan institutions are paying facility mainly targeting the consumer needs.
On the other hand the microfinance activity in the world has considerable attention in the world .Microfinance credits are paied not only for consumption needs but also for financing the production of goods and services.
This article compares microfinancing with Qardhul Hasan funding and concludes that Qardhul Hasan funding can avoid the negative aspects of microfinance institutionsand by using its positive points expand quality of its services.
Qardhul Hasan can be an instrument for financing and growth Production and employment and reduce closures that happens in Conventional Banking because of dependence to interst -based credits.

and decision taking. However sometimes the available information is too massive that one cannot analyze all of it. The failure to use the full information may lead to wrong decisions. One way to avoid such an error is to use information in the form of indexes. Defining applied indexes and quantification of qualitative variables in different scientific areas help explore main problems, optimal target setting and select the best way to achieve the goal. The area of Islamic economic studies Information is the cornerstone and the main material for decision making would be the one in which indexizing can be much helpful to measure the success of the Muslim governments and communities in achieving their goals, as well as is useful for comparison purpose. Conceptualization and indexization based on Islamic theories, can develop and help promote Islamic model in both national and international levels. Undoubtedly, scientific principles should be considered for generating the proper and valid indexes to measure the success of Muslim communities in the implementation of the principles of Islamic economics. Hence, recognition of the scientific methods of indexization is necessary. In this study, scientific and applied methods of specifying and generating a composite index of compliance with the principles of Islamic economics was proposed. Attempt was made to clearly and carefully explain the method of generating the composite index.

The aim of this paper analyzes the Iran's economic situation based on Islamic economy during the third to fifth Economic, Social and Cultural Rights of development programs. For doing so, we have used a combination index, which includes components justice and social and economic opportunities, higher ethical standards and integrity and confidence in the markets and economic interaction (less corruption), Islamic finance and welfare and poverty alleviation. The results showed that the trend of economic and social justice component associated with fluctuations in the Third Development Plan and has been rising during the fourth and fifth programs. The ethical standards components have been relatively consistent in the third development program and in the fourth program it has a downtrend. Islamic financing component is also decreasing trend and component of welfare and poverty alleviation had increasing trend during third and fourth development program. Total index rising in third program, almost constant in forth program and during the fifth program has been downtrend. Generally, during fourth development program, the amount of Islamic economic goals achieve more than the third program.

In this paper the viewpoints of one of the key theorists of Islam’s world are reflected as the lighthouse for having applicable socio-political economy. In his political economy thought he emphasized on the concept of government and its responsibilities and authorities. These responsibilities and authorities return to social balance and security. Furthermore, in his social economy idea in one hand, he mentioned in the methods of equipping resources such as the current deposit (without interest), saving deposit, and long-term deposit.