With the expansion of the capitalist system, especially the banking industry to Islamic countries, the politicians, businessmen, industrialists and bank owners faced the problem of bans, and they became religious scholars to solve it. The purpose of this study is to investigate the effect of objective-based behavioral model on the description of Qarz-al-Hasan savings in Islamic banking. This research is an applied study in terms of purpose and is causal in nature. The research population consists of the clients of Qarz al-Hasan Mehr Iran Bank in Arak city. The 24-item questionnaire was used to assess the status. Also, to design the questionnaire of this research and collect the data after confirming the validity and reliability, we used the study done by Setyobudi (2016). In this research, structural equations have been used to examine the relationships between the components of the model. The Lisrel software has been used to analyze the hypotheses. The data analysis and the results indicate that the attitude, the prediction of positive emotions and subjective norms have a positive effect on the customer's desire and intention to open Qarz-al-Hasan saving accounts. Also, the customer's desire to save money has a positive impact on his behavioral intention. The anticipation of negative emotions has no negative effect on the customer's willingness to open the account, and the attitude, prediction of positive emotions and subjective norms influence the customer’ ؛ s behavioral intention, but predicting negative emotions have no impact on the customer’ ؛ s behavioral intention.