جستجوی مقالات مرتبط با کلیدواژه « qard al-hasan » در نشریات گروه « اقتصاد »

Qard-Al-Hasan is one of the most important Islamic banking facilities that can affect employment. In this regard, the present study investigates the effect of Qard-Al-Hasan loan, which is not in the category of echange and partnership mods in Islamic banking system of Iran on employment in Iran’s provinces will be analyzed. In this regard, a Panel Data model has been used for this purpose during 2015-2019. The preparing tests for the estimation of the modle lead the study to use the Feasible Generalized Least Squares method, and the results show that Qard-Al-Hasan loan has a positive and significant effect on employment in Iran’s economy. In addition, results show that Gross Domestic Product, Physical Capital and Labor Productivity have also a positive and significant effect on employment in Iran’s provinces, however, the impact of Gross Domestic Product and Phiscal capital are greater than other variables, indicating that employment in Iran more affected by such variables than other factors.

One of the important differences between Islamic finance system and conventional finance system is sublime station of spiritual motivation apart of material motivations. Indeed, the rich Islamic culture by attention to spiritual motivation, tries to adjust the economic behaviors for covering of economic and social demands. Qard al-hasan can be one of these indications of the Islamic culture.
Nowadays, Qard al-hasan contract is one of the useful contracts in Iranian banking system that is used in mobilization and allocation of funds. This research tries to explain some Jurisprudential and economic challenges in the text and operations of Qard al-hasan contract in Iranian banking system. Eventually, this research suggests solutions for decreasing of these challenges.

Microfinance programs emerged in mid 1980s. So, microfinance can be labeled as a new phenomenon. The reason for emergence and rapid development of microfinance programs can be weakness of former development strategies, especially those of financial development. In this research by using a three-dimension Delphi query, the important factors affecting microfinance at Iran have been explored. In the resources side, deposits are composed of Qard al-Hasan, donation, subrogation and saving. In the uses side, the loans are divided into consumption (general consumptions and emergencies) and investing purposes. The institutions active in microfinance are divided into two groups of banks (commercial banks and financial holdings) and financial institutions (for profit and non-profit). The group lending and solidarity responsibility were underlined at legal-jurisprudence. At the application aspects, emphasis on usage of electronic systems and separate report of loans by their types and contracts is noticeable.