Analysis and ranking of the economic effects of Gharz al-Hasna facilities: AHP approach

Gharz al-Hasna facility is one of the tools of the Islamic banking system to equip the resources of the business environment. These facilities have various economic and non-economic effects. The question of how Qarz al-Hasna facilities affect the economy has always occupied the minds of policymakers and financial decision-makers. This research is an attempt to identify the economic effects of Qarz al-Hasna facilities and their ranking. For this purpose, first, by reviewing various articles and literature in the field of Qarz al-Hasna facilities and its economic effects, an attempt was made to count all the identified economic effects of Qarz al-Hasna facilities. Then, using Delphi technique and AHP method, the most important economic effects were identified and ranked. The results show that the provision of Qarz al-Hasna facilities, respectively, to meet the diverse financial needs of the people, growth and development, employment, consumption, business development, investment, financing, social justice, equitable distribution of income, financial development, productivity, Savings and production are affected. In addition, the research findings did not confirm the impact of Gharz al-Hasna facilities on money transfers from classes, per capita income, poverty, institutionalization, social security, class distance, and recession.