Identification and ranking of freehold resources (free) in collecting non-regular claims of the banking system Using a multi-criteria decision making model

The expansion of the growing volume of non-demand claims in addition to locking up and freezing of resources and slowdown of liquidity in the economy, reducing accreditation, the lack of optimal allocation of resources when providing facilities to productive customers.Factors such as bank performance in granting facilities, the manner in which banks are valued, the volume of facilities granted, changes in assets and capital of the bank, and macroeconomic and financial conditions such as inflation, exchange rate and profit rate are factors affecting the volume of non-bank claims.An important part of the financial demand of the clients of the money and capital market is the Islamic financial system with the aim of paying off (non-current) debt, and the available resources have the capacity to pay for non-regular consumer debts in the form of Islamic contracts, which reduces formal and assurance operations. Society will strengthen the financial system.In this research, using descriptive-analytical method using library resources using questionnaire and utilization The TOPSIS and AHP method, while referring to the concept of custom resources, the characteristics of these sources, by examining the three contracts of purchase of religion, the lease on condition of ownership and predecessor, and their role as free and desirable resources in reducing claims Non-current, Hypothesis"Use of custom resources and their role in collecting non-bank claims" Reviewed.The results of the research show that in addition to the ability of three contracts to reduce non-claims in the banking system, the contract of purchase of religion has the most ability and ability to use in the banking system to solve the problem of collecting non-current claims.