طراحي كارت هاي اعتباري در بانكداري بدون ربا بر اساس بيع مرابحه

Designing Credit Cards for Interest Free Banking (Credit Electronic Store)

Central bank has published applicable and strategic instruction for issuing electronic cards in accordance with the 10th sentence of electronic banking regulation. Electronic card accelerate the receiving and giving process of money via electronic communication. When a customer demand for credit card, bank studies his/her record and issue him/her a card with a certain amount credit. Thus, the customer can purchase with this credit card and pay the account statement at once or monthly installments. Since the origin of credit cards comes from western countries, law relations ruling on credit cards transactions would be against religious rules. Therefore it is necessary to devise a religious solution for organizing credit cards transactions. Central bank solution seems to be a good start but it does not remain suitable permanently and changes to an obstacle for the development of electronic banking in long run. In this paper after studying the central bank solution, it is suggested another solution to organize credit card transactions based on credit electronic store and Morabaha contract.