نویسندگان
1 پژوهشگاه فرهنگ و اندیشه اسلامی
2 دانشگاه امام صادق(ع)
چکیده
کلیدواژهها
عنوان مقاله [English]
نویسندگان [English]
One method of allocating resources in conventional banking in overdarft. This type of service consist of the allocation of credit to businesses for short-term and urgent needs. This type of service due to the nature of their interest, in the framework of non-interest banking in our country is not usable. Given the immense benefits of this approach in recent years, Islamic finance scholars seekalternatives to the use of this method of resource allocation. In recent years, several approaches have been proposed to replace but rather to be acceptable from sharia perspective, the attractiveness and acceptability of this solution for banks or firms isn’t acceptable.
This article is a practical research and with the analytical method, want to design a model based on attornetship contract. This article give an alternative that is acceptable from sharia perspective. In addition, this method is acceptable for banks and firms economically. The use of credit in this method have very easy procedure. In this solution, the bank allocate credit to firm based on attorneyship contract and give attorneyship to them for use this credit based on conditions and bank’s expected rate of profit. Finally, the firm payback the credit and it’s profit to the bank.
کلیدواژهها [English]
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