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عنوان :

Ethical Risk Management in Partnership Contracts of the Banking System Based on Islamic Teachings

کلیدواژه :

Ethical risks (Kazmanshi), Partnership contracts, estimation, deed (acceptance), farm

ناشر :

جستارهای اقتصادی با رویکرد اسلامی - Journal of Economic Essays; an Islamic Approach

سال :

1402/2023

چکیده

According to researchers, one of the main factors that prevent the widespread use of cooperative contracts by Islamic banks is the existence of moral hazard in the relationship between the bank and the recipient of the facility. The existence of the problem of moral hazard has caused non-participatory financing with fixed returns to find an important place in Islamic banking and these types of contracts are preferred over partnership contracts. Despite the various solutions that have been presented to solve this challenge, the challenge of moral hazard is still considered as an important obstacle in the implementation of partnership contracts. In this research, it has been tried to use an internal solution based on Islamic jurisprudence to regulate partnership contracts to manage moral risks. In the model of the proposed contract, the capital owner, by giving up his share in exchange for a certain amount of the final product, clearly motivates the agent to work harder and removes the bias