Identifying and Assessing the Challenges of an Investment Deposit Account and Providing Corrective Solutions within Resistive Economy Framework

Reforming and strengthening the entire financial system of the country with the aim of meeting the needs of the national economy, stabilizing it and boosting the real sector are among the overall policies of the resistance economy. One approach to the issue believes in strengthening and reforming the underpinning financial systems. The most important subset of the Iranian financial system is the banking system which has as one of its basic functions the provision of resources. According to the latest data released by Central bank of the Islamic Republic of Iran, the country’s major resources are provided through investment deposits accounts. In this paper, firstly, the status of an investment deposit account in banking and resistive economy is explained, then it is examined from the legal, regulatory, Imamiah Jurisprudence and functional points of view. Since the first step in reforming and strengthening each issue is identifying the challenges of that topic, after studying the research background and reviewing various sources, conducting targeted interviews and using thematic analysis and focal group method, the challenges of the deposit investment were extracted. These challenges were grouped into five categories that relate to deposit profits, deposit diversity, central bank, bank lawyers, and other challenges. For validation, the extracted challenges were exposed to expert analysis. In the end, with the formation of a focal group, strategies for improving and reforming long-term investment deposit accounts have been presented.