Explaining the Criteria of Ethics in Islamic Banking

Document Type : Research Paper


1 Graduated from Master of Economics, University of Isfahan

2 Associate Professor of Economics, University of Isfahan

3 Assistant Professor of Economics, University of Isfahan


The banking system, based on the rules of its activity through financial intermediation, enables the allocation of resources to holders of surplus savings. The rules of the banking system are categorized in a simple Classification into internal and external rules. So that the internal rules cantain legal banking aspects as well as the external rules refer to moral ones. The existence of these two Category of rules together in Islamic banking indicates the evolution of Islamic banking. The ethical rules in Islam are based on Islamic teachings and values.
 Explaining and reinforcing these rules in Islamic banking can enhance behavioral patterns in many aspects and improve banks' interactions with Together, organizations and customers.
 in this Research with The thematic analysis method to the extraction ethical criteria in Islamic banking. In this field, after analyzing the theoretical foundations in the field of ethics, its place in banking has been discussed. This processing there have been through interviews. The analysis of the content of the interviews shows that: rules such as: observance of public interest, the maintaining economic stability, ethics rules (honesty, conscience, trustworthiness and  the trust),the  justice, the  honoring the human personality, commitment, the responsibility, ethics in using tools to attract customers, ethics in the field of asymmetric information, explain the rules in the framework of ethics, Debt Moratorium For Financial Hardship Person, ethics in using tools at hand (money created) And ethics in using gharz al-hasaneh sources (Interest-free loan) as ethical criteria affect Islamic banking performance.


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