نشریه اقتصاد و بانکداری اسلامی
پیاپی 15 (تابستان 1395)

Islam has invited believers to participate and cooperate in good and right deeds, and has emphasized Gharzolhasane among the good deeds so that this religion has regarded Gharzolhasane (interest-free and wage-free lending)to others as equivalent to lending to Allah, which will endow the lender with much reward. Gharzolhasane is one of the components of the Islamic-Iranian Model of Progress. Hence, it is essential that the Iranian economic policymakers facilitate Gharzolhasane for the realization of the Islamic-Iranian Model of progress and pave the way for it so that this good tradition becomes common in Iran’s economy, the livelihood needs of the poor will be met via the participation of the benevolent and economic inequality will decrease in Iran's economy. For promotion of Gharzolhasane, it is also essential that the Iranian economists reflect and deliberate on different issues and components of this tradition including the factors leading to an increase in Gharzolhasane deposits and similar subjects so that the Gharzolhasane Model can be introduced as the substitute model for the high-interest bank loans in the global economy and Iran’s economy takes a step forward for the realization of the Islamic economy.
One of the issues related to Gharzolhasane is the licensed and non-licensed reception of fees from the Gharzolhasane loans. The purpose of this paper is to have a judicial review of obtaining fees from Gharzolhasane loans. We first reviewed the position of Gharzolhasane in the Islamic traditions and narrations using an analytical approach, and then deliberated on the Gharzolhasane loan fees from the judicial perspective. Having divided the Shia jurisprudents into two groups for and against obtaining fees from Gharzolhasane loans, we supported the viewpoint which is “for” the reception of Gharzolhasane loans using judicial reasoning and then proposed a model for the revival of the good tradition of Gharzolhasane in Iran’s economy

Human being has a nature of possession of every things that obtain by himself and wants the rules and regulations are codified and operated in order to guarantee and stabilization of it .But now, it is observed that these rules are done as privation and limitation.
This thesis tries to investigate the jurisprudence and legal sources to reach this goal and explain if the system of government has the right of privation and limitation or not.
This research has done with method of analyze and definition and reached to this result that man has the right of possession about his assets and the Islam has emphasized on it and correct it. But it means that man hasn’t absolute possession and it define in conditions and necessity and common constructive

About 70 years have passed since the formulation of the first development plan in Iran, but Iran is still underdeveloped. To date, eleven plans have been formulated and seven plans have been implemented, because thesixth plan was not enacted before the Islamic Revolution, and the ninth government opposed to the fourth post-revolution plan. In this paper, we try to review the national development plans, derive the objectives of the IRI development plans’ laws and their implementation, and compere them to core values and spirit of Islamic economic teachings. This paper uses documentary-library data, comparative descriptive-analytical methodology and content analysis, and provides suggestions at the end of the article.

Iran as a dry Middle East countries compared to less than a third of the global average rainfall and potential evaporation is more than the global average. This has led to limited water availability in the country. In addition to this non-uniform distribution of water in the country, improper patterns of urbanization, type and crop production practices in terms of adapting to climate and other factors have been facing water supply problems in many areas. And gradually added to the problem, according to forecasts made so that the country will face a water crisis. One way to avoid this situation is the water market form. The research also highlighted this issue in the technical aspects and the aspect of Islam is checked. According to the local market it is impossible to form water.Have in the market Be respected rules and principles of jurisprudence, such as no loss, hardship and rejection of waste and.

The issue of "good governance" is one of the most important subjects and new at the same time in the development literature that emerged from the 1980s onwards. Based on the concept of good governance, low or high government intervention is not a problem for development, but the main concern is the quality of government intervention. World Bank is defined good governance based on six indicators of voice and accountability, political stability, government effectiveness, regulatory quality, rule of law, control of corruption.In this study, relied on indicators of good governance in Islam and using FMOLS, the effect of good governance on health outcomes (life expectancy at birth) is examined, in Iran during 1996-2014. The results of model estimation show that in addition to socio-economic and health factors, governance is an effective determinant in improving health indicators and since the governance in Iran is weak, poor governance has a negative impact on life expectancy.

Recently the concept of development is faced with challenges and there isnt single definition of it. Also development from an Islamic perspective has a specific definition, the concept of development in Islam is both spiritual and physical and ethics has a major role in development. However, one of the concerns of governments, is development. Islamic states to achieve development according to Islamic ethical system, can be very effective.
In this research, moral duties Islamic state if development, discussed and evaluate performance of Islamic republic of Iran in this sector during the fifth development program. To reach this goal, performance data of seven index of fifth program include: Iranian- Islamic culture indices, labor market, income distribution, education, citizenship rights, environment and social security, collected and analyzed.

In this research, we aim to identify the most influential factors of the profitability of the Islamic banks. To do this, we use profit margin as profitability measure of banks uneder study. The research data are extracted from 29 Islamic banks in 10 members of the Organization of Islamic Cooperation (OIC) over the period 2004-2011. These are analyzed by panel data methods. The findings indicate that, out of 11 variables under study, the average annual exchange rate is of positive, strong and significant effect on “profit margin”. In addition, loans to customer deposits ratio has positive, strong and significant effect on “profit margin”.

Purchase of debt is one of the disputed entity in Imamiite jurisprudence and frequently practical in banking transaction. Thedisputes are about substance, position and variations. In international legal systems, This entity are comparable whitForfeiting(that is an international legal entity that could be similar to purchase of monetary debt),Factoring(that is an international entity and could be similar to purchase of monetary debt in general and absolute meaning) , Mortgage Backed Securities and AssetBacked Securities and its function in banking system aresimply conceivable by comparing it with purchase of debt in Iranian law. The purpose of this paper isanswering to this question that whether the legal and jurisprudence challenge by interest(purchase of monetary debt) are justifiable. Because this entity have been entered into Iranian legal literature and its executive guidelines are adopted by Money and Credit Council. Whereas approving in Imamiite jurisprudence, positive and international law, this entity could be a solution to many banking problems such as interest of commercial documents, documentary credits and purchase and sell of ordinary monetary debts.

In our day of age, the rapid growth of technological improvements has brought a different view and more competition to the banking sector. It is apparent that the institutions that are unable to keep up with these technological improvements of electronic banking are faced with the danger of not being able to compete. In other words, electronic banking reshaped the competitive environment by increasing convenience of meeting customer needs and wants in terms of time and location. Therefore, electronic banking became the key of gaining competitive edge in banking sector. An important part of electronic banking is the credit card. The main objective of this study is the first to investigate the situation in Iran and credit cards in comparison with some European countries, In the second part, according to the statistical society, including credit card holders in the city of Tehran banks to identify motivational factors affecting credit card ownership (determining factors of how to become the owner of a credit card), In the third part of the fundamental challenges regarding Iran's development of these cards in the country and finally gathering of research is presented

Economic transactions sometimes necessitate discounting trade finance documents. Therefore, the accuracy of discounting from jurisprudential point of view has been raised ever since. This paper attempts to deal with discounting trade finance document jurisprudence so that the inappropriate nature of it is realized. Likewise, discounting collecting draft and documentary letter of credit are investigated and are recommended as a special service offered to good customers though debt purchase.