نوع مقاله : مقاله پژوهشی
1 دکترای پژوهشگاه فرهنگ و اندیشه اسلامی
2 استاد پژوهشگاه فرهنگ و اندیشه اسلامی
3 دانشیار دانشگاه قم
عنوان مقاله [English]
During the past decade, microfinance has grown steadily in terms of conceptual scope, goals, institutions, practices and range of suppliers and applicants. Microfinance programs are now designed to response the different needs. The need to address the microfinance revolution and the need to design a system for financing Islamic micro finance in the country is undeniable.
One of the elements of this system designing is Islamic financing methods. The present article by using analytical-descriptive methods, statistical analysis and according to the Islamic banking experiences as well as Islamic contracts, try to find and engineer Islamic micro finance methods in the country.
The purpose of engineering Islamic micro finance methods is the study of microfinance contracts and SMEs, their ranking and the explanation of the uses of this contract for microfinance.
According to the results of the research, Qard al-Hassaneh, transactional contracts (murabahah, Ijarah and Istisna) and the Musharakah are priorities for households and participation, murabahah and Ijara are the priorities for the microfinance of the SMEs.
10. موسویان، سیدعباس؛ «مهندسی مالی عقود در بانکداری اسلامی»؛ فصلنامه اقتصاد اسلامی، س9، ش35، 1388.