نوع مقاله : مقاله پژوهشی
1 استادیار گروه اقتصاد و بانکداری اسلامی دانشکده اقتصاد دانشگاه خوارزمی
2 کارشناسی ارشد بانکداری اسلامی، دانشکده اقتصاد دانشگاه خوارزمی
عنوان مقاله [English]
One of the most essential functions of Islamic banking and usury-free banking system is the creation of an opportunity to operate interest-free deposits and using these deposits in providing facilities in the direction of determined goals that usury-free banking operation and relevant instructions, determined its limits. However, the operational and executive framework of interest-free funds always had motivation challenges in equipping resources and many deviations in the allocation of resources and supply intentions of investors and legislators. In this paper, by designing a process for creation of transparent interest-free facilities in three phases: (1) creation of interest-free Syndicate, (2) Control and evaluation process, (3) creation of guarantee in interest-free Syndicate and finalization of process of rendering facilities in interest-free Syndicate and using financial modern technologies (including Blockchain, automatic smart contracts, creation of digital identity, identification activities (KYC) (Know Your Customer) and contracting party customer identification by money receiver (KYCC) (Know Your Customer's Customer) in framework of transaction records registration, clear information circulation under supervision of regulator, reviewing financial details in direction of anti-money laundering rules and procedures, an effective and smart process that cannot be violated is introduced to allocate interest-free sources
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