Credit Card tool for development of Qard-Hassan Banking

Today, the role of financial institution and banks in economic development of communities is undeniable. Therefore, banks should be proportional to the changes to be updated, because of close interaction with other sectors which are available in the market. Credit Card is one of the tools is made in this regard, and due to reliance on the interest rate cannot be used in Islamic and Banking. With regards to the importance of Credit Cards and their significant role in various economic areas, experts have tried to present some principles based on other legal tracts such as Morabehe for using credit cards in Islamic Banking. The Qard-Hassan bank as the subset of a banking system without interest and accordance to its own structure in the mobilization and allocation of resources, needs to design some models for profitability and in accordance with the laws and regulation of this kind of banking. However, the legislation in this type of banking is such a way that by creating restriction in mobilization and allocation of the Qard-Hassan resources, made the banks tend to providing profitability from banking service resources one of the services defined in Qard-Hassan banking establishments constitutions is issuance of credit cards which can be an appropriate of income for banks.
This paper investigates the hypothesis that issuance of credit cards based on Qard-Hassanic facilities and by providing appropriate incomes for loan can develop this type of specialized banking. This is a kind of library resources study emphasizing the important of this institution to continue operating profitability. The result of this study showed that the issuance of Credit Cards as well as, providing profitability for bank provides advantages such as development of culture of Qard-Hassan, removed of moral dangers caused by Qard-Hassan sources and providing better services to applicants in order to facilitate the Qard-Hassan facilities of this bank.