شفاف سازي مفهوم ربا ، بهره و سود در نظام بانكداري اسلامي

«Crystallisation of usury concept jntevest and benefit» « in the banking system of without usury»

Verses regarding usury in Quran and related saying which show the severity of the usurer punishment are decisive and firm and donʹt accept any explanation .The matter which is nowadays discussed is usury in lend­ing money in which the lender determines some sort of interest. But ,if this lender Jends some money to a party and the party invests that money ,and returns some profit to the lender . This money is not usury .Obvionsly, in this kind of trade , there is some risk,why ,the profit resulted this invest­ing may be less or more then the money itself .and affect his income. The law of banking system without usury, was passed in shahrivar 1362 by the Islamic parlment and approved by the guardian council and after asking the clergies of that time such as Ayatoallah Golpayegany ,it was cleared that ,this law had not any sharia defects.Of course , some bodies questioned its Tightness. One of the questions which some of the critics are asking is that if ac­cepting the usury is forbidden in Islam,why some of the Iranian banks are giving interest to the investors.This paper in trying to answer the afore said question by defining the usury and clearing the concept of justice and com­paring the Iranian banking system with the Islamic rules.and by making some suggestions is giving some policies to improve the performance and banking system implementation in regard with the Islamic rules.