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THE BANKING SYSTEM AND INTEREST-FREE BANKING CHALLENGES IN IRAN

Authors:
İKTİSADİ VE İDARİ BİLİMLER
ALANINDA ULUSLARARASI
ARAŞTIRMALAR
II
Dr. Öğr. Üyesi Güngör ÖZCAN
EDİTÖR
İKTİSADİ VE İDARİ BİLİMLER ALANINDA ULUSLARARASI ARAŞTIRMALAR II
Editör: Dr. Öğr. Üyesi Güngör ÖZCAN
Genel Yayın Yönetmeni: Yusuf Ziya Aydoğan (yza@egitimyayinevi.com)
Genel Yayın Koordinatörü: Yusuf Yavuz (yusufyavuz@egitimyayinevi.com)
Sayfa Tasarımı: Eğitim Yayınevi Grafik Birimi
Kapak Tasarımı: Eğitim Yayınevi Grafik Birimi
T.C. Kültür ve Turizm Bakanlığı
Yayıncı Sertifika No: 47830
ISBN: 978-625-7316-50-7
1. Baskı, Şubat 2021
Baskı Cilt
Bulut Dijital Matbaa Sanayi Ticaret Limited Şirketi
Musalla Bağları Mah. İnciköy Sok. 1/A Selçuklu / KONYA
Matbaa Sertifika No: 48120
Kütüphane Kimlik Kartı
İktisadi ve İdari Bilimler Alanında Uluslararası Araştırmalar ıı
Editör: Dr. Öğr. Üyesi Güngör ÖZCAN
266 s., 135x210 mm
Kaynakça var, dizin yok.
ISBN: 978-625-7316-50-7
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İÇİNDEKİLER
ZARARLI VERGİ REKABETİ UYGULAMASI: VERGİ
CENNETLERİ 8
Dr. Öğr. Üyesi Güngör ÖZCAN
BÜROKRASİNİN DİJİTALLEȘMESİNDE
DİJİTAL LİDERLİK ANLAYIȘININ ÖNEMİNE İLİȘKİN BİR
DEĞERLENDİRME 31
Dr. Öğr. Üyesi Ali YILDIRIM
İNSAN KAYNAKLARI PLANLAMASINDA LİDERLİĞİN
ROLÜ 53
Dr. Öğr. Üyesi Olgun Irmak ÇETİN
BAĞIMSIZ DENETÇİ VE MUHASEBE MESLEK
MENSUPLARININ YETERLİLİĞİNİN TESPİTİ: TRC3
BÖLGESİ ÜZERİNE TEORİK BİR ARAȘTIRMA 67
Dr. Öğr. Üyesi Erkan UZUN
KARȘILIKLAR VE BANKA MUHASEBESİ UYGULAMASI 100
Dr. Öğr. Üyesi Fatma AKYÜZ
Prof. Dr Kemalettin ÇONKAR
BLOKZİNCİRİ TEKNOLOJİSİNİN ULUSLARARASI
TİCARETE ETKİSİ 120
Dr. Cüneyt ÇATUK
THE BANKING SYSTEM AND INTEREST-FREE BANKING
CHALLENGES IN IRAN* 135
Assistant Prof. Dr. Abdulkadir ATAR
Farooq Omar ABDULLAH
SAĞLIK HARCAMALARININ FİNANSMANI VE
SÜRDÜRÜLEBİLİRLİĞİ 170
Dr. Öğr. Üyesi Müjgan DENİZ
N-11 ÜLKELERİNDE İȘSİZLİK HİSTERİSİ GEÇERLİ Mİ? 215
Dr. Öğr. Üyesi Gizem AKBULUT YILDIZ
TARIMSAL FAALİYETLERE İLİȘKİN DEVLET
TEȘVİKLERİNİN TMS 20, TMS 41 ve MUHASEBE
UYGULAMALARI GENEL TEBLİĞİ AÇISINDAN
İNCELENMESİ 230
M. Nedim UYGUR
SOSYAL HAKLARI İNSANİ İHTİYAÇLARA BAĞLAMANIN
SAĞLADIĞI OLANAKLAR ÜZERİNE DÜȘÜNCELER 244
Servet GÜN
THE BANKING SYSTEM AND INTEREST-FREE
BANKING CHALLENGES IN IRAN*
Assistant Prof. Dr. Abdulkadir ATAR**
ORCID NO: 0000-0002-5721-9826
Farooq Omar ABDULLAH***
ORCID NO: 0000-0003-2705-9662
1. Introduction
        

-

-

 

  -
-


*     -
   


**    -

***        

136
İKTİSADİ VE İDARİ BİLİMLER ALANINDA ULUSLARARASI ARAŞTIRMALAR


   -


-

  
       


-



-

-
-

       



   
          -




-
 -
-
137Editör: Dr. Öğr. Üyesi Güngör ÖZCAN

2. Research Background

         -
-

       
-





      
-

       -

      

    -

      

-
       
      
      
-
 
 

138
İKTİSADİ VE İDARİ BİLİMLER ALANINDA ULUSLARARASI ARAŞTIRMALAR
   
  
      
-

 
     
 
     




  
       -

   



       
  -


       

   -
        



-

139Editör: Dr. Öğr. Üyesi Güngör ÖZCAN
3. Definition of Islamic banking
       -

-

       


  -


-



4. Islamic banking system in Iran






      

-

        



      

140
İKTİSADİ VE İDARİ BİLİMLER ALANINDA ULUSLARARASI ARAŞTIRMALAR
       


1. Qarz-al-hasaneh deposit
   
-



2. Qarz-al-hasaneh savings deposits
-

-

       
-


3. Investment deposits

   
        



-
  


 -

141Editör: Dr. Öğr. Üyesi Güngör ÖZCAN
Equipping resources 2017 2018
Sight deposits (Qarz-
al-hasaneh)  
Term investment  
Qarz-al-hasaneh
savings  
Other  
Total 29828.5 34527.8
Source: 

2.4. Resource allocation

-
     -



2.4.1 Islamic contracts
 



       -

          








142
İKTİSADİ VE İDARİ BİLİMLER ALANINDA ULUSLARARASI ARAŞTIRMALAR



-





-






-


-


       







-


143Editör: Dr. Öğr. Üyesi Güngör ÖZCAN



-




-

-








-












144
İKTİSADİ VE İDARİ BİLİMLER ALANINDA ULUSLARARASI ARAŞTIRMALAR
-

         
  

   
   



-

      -
      
-

 

-
      

       -

Resource allocation 2017 2018
Qarz-al-hasaneh  
  
Futures  
Civil partnership  
Joâle  
Cost-plus purchase  
Murabaḥah  
Istesna’ 
145Editör: Dr. Öğr. Üyesi Güngör ÖZCAN
Hire purchase  
Legal partnership  
Direct investment  
Other  
Total 21775.8 23944.2
Source:

       -

interest rates on bank facilities
 




-

-


 
      
      
      
Source: 
5. Challenges of Islamic Banking in Iran
5.1. On-account profit


-


-
 

          
      


 
146
İKTİSADİ VE İDARİ BİLİMLER ALANINDA ULUSLARARASI ARAŞTIRMALAR
   -


       
 -

 

        
        
        
 -
-

 
-







  
       
 

       


      
    
-
147Editör: Dr. Öğr. Üyesi Güngör ÖZCAN




 
-

-
-
  

-



        -
-


       
-




-

-


 
  -

148
İKTİSADİ VE İDARİ BİLİMLER ALANINDA ULUSLARARASI ARAŞTIRMALAR
  -



        

-




-


         

-





  
-

Table 1:
On-account prot of term investment deposits
  
 
   
   
   
Source:
149Editör: Dr. Öğr. Üyesi Güngör ÖZCAN
Table 2:
On-account prot of term investment deposits
  
 
   
   
   
Source:
5.2. Banking system’s tendency to interest
-

 
      
 



 
         


-
  
-
   


-
-



150
İKTİSADİ VE İDARİ BİLİMLER ALANINDA ULUSLARARASI ARAŞTIRMALAR
       


       
         
     





-


-

    

 

 


      

-
   
  





151Editör: Dr. Öğr. Üyesi Güngör ÖZCAN
-
        


 -
-

       -
          -
-




-


-


         






-



152
İKTİSADİ VE İDARİ BİLİMLER ALANINDA ULUSLARARASI ARAŞTIRMALAR
-


-
 
  -
        


        -

      -
 -


-
       


-
          
 -



        
         -

5.3. Banks as business enterprises
       


153Editör: Dr. Öğr. Üyesi Güngör ÖZCAN
       
         
   -

  -
      
-
   

   -

-

-

   

 
  





5.4. Overdue debts

-





154
İKTİSADİ VE İDARİ BİLİMLER ALANINDA ULUSLARARASI ARAŞTIRMALAR
   

    
   
-
-






 -

   



-

-

-


  -

 

          
          -


155Editör: Dr. Öğr. Üyesi Güngör ÖZCAN

      

-

        
   
  


-




-







-
-

-

         

-


156
İKTİSADİ VE İDARİ BİLİMLER ALANINDA ULUSLARARASI ARAŞTIRMALAR


    






  -


  




16.01926.39630.28837.51841.818
59.47364.542
80.64281.55180.744
98.666
144.752
159.321
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 7
month
of 2018
Iranian Bank's accrued liabilies for the years 2006 to 7 months of 2018 (Billion Toman)
Source:
-
  -

157Editör: Dr. Öğr. Üyesi Güngör ÖZCAN
  

5.5. Formality of interest-free banking

 


    
-


       


-

 
       

-


   
  



-
-



158
İKTİSADİ VE İDARİ BİLİMLER ALANINDA ULUSLARARASI ARAŞTIRMALAR



     
         
     
 
   


-







5.6. Excessive number of contracts and bank
branches

       -
 




-



    -
159Editör: Dr. Öğr. Üyesi Güngör ÖZCAN

 
-


-
  -
   
-

-
   

-
        
       



5.7. Banks’ auditing and accounting
        
-

-
-
-



 -
 
   

160
İKTİSADİ VE İDARİ BİLİMLER ALANINDA ULUSLARARASI ARAŞTIRMALAR
      



-
-
  
-
-


6. Coping strategies (Proposed Model)
6.1. On-account profit

 


       



        -





       
 
   
         


161Editör: Dr. Öğr. Üyesi Güngör ÖZCAN
         
-
-

         


         
   










 
-

        
       -
       
-


6.2. Banking system’s tendency to benefit from
interest
        


162
İKTİSADİ VE İDARİ BİLİMLER ALANINDA ULUSLARARASI ARAŞTIRMALAR

  -

-

 
-

-
 -
        

      
-



6.3. Banks as business enterprises
      


  -
-

        

  

6.4. Overdue debts
-
-
        -
163Editör: Dr. Öğr. Üyesi Güngör ÖZCAN
        



  
-



         -

-

  




 
-

        


-
 -



-
-


  
164
İKTİSADİ VE İDARİ BİLİMLER ALANINDA ULUSLARARASI ARAŞTIRMALAR
  




6.5. Formality of interest-free banking
-




  

-




 -
-

        



6.6. Excessive number of contracts and bank
branches





165Editör: Dr. Öğr. Üyesi Güngör ÖZCAN
6.7. Banks’ auditing and accounting
-

      
  -
        

       
-


       -
-

       


-

7. Conclusion



-
-


   
    -

         -

166
İKTİSADİ VE İDARİ BİLİMLER ALANINDA ULUSLARARASI ARAŞTIRMALAR
   
     

  -

-
   
    -
 
       

-


     


-
-

 -



167Editör: Dr. Öğr. Üyesi Güngör ÖZCAN
References
-



-



-
   



   
    

           


      

        








-

-



 

168
İKTİSADİ VE İDARİ BİLİMLER ALANINDA ULUSLARARASI ARAŞTIRMALAR
         

  


  -
         





         



-


-


-

   -


 
         

-
  -



-

        

169Editör: Dr. Öğr. Üyesi Güngör ÖZCAN
         


  

         
     
 
       

         

         

 



  


-







      


      


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