Iran Usuru Free Banking Challenges (Solutions)

Usury free banking in Iran is currently facing significant challenges that require comprehensive and urgent action to resolve them so that the banking system does not face a major crisis by these challenges.
The main question of the research is: "What are the most important challenges for usury free banking system in Iran and the ways to get out of them?" the author addresses the challenges of the banking system and uses the descriptive analytical method to explain the causes of the most important challenges and solutions of that.
The most important challenges include: competition in increasing the” down payment rate” of deposits, high rates of bank’s non-current claims, low capital adequacy rates of banks, a large number of branches of banks and credit financial institutions, the non-re functioning of banks and credit financial institutions in sale based and partnership contracts, accumulated crimes, late payment fees and the nature of usury for that, the tendency of the public (non government) sector to create banks and credit institution the ownership of companies by banks, money creation by operating banks and the occurrence of corruption in the banking and administrative system, the findings of this.