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Ethics in the Islamic Banking System and Its Role in the Formation of Legal Aspects of Banking Partnership Contracts
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Asma Ali Khalil1   , Reza Nikkhah Saranghi *2 , Salman Alipour3 |
1- PhD Student, Private Law, Department of Jurisprudence and Law, Faculty of Literature and Humanities, Urmia University, Iran
2- Department of Jurisprudence and Islamic Law, Faculty of Literature and Humanities, Urmia University, Iran , r.nikkhah@urmia.ac.ir
3- Department of Jurisprudence and Islamic Law, Faculty of Literature and Humanities, Urmia University, Iran |
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Abstract: (13 Views) |
Background: The Islamic banking system, which forms the backbone of the Islamic financial system, plays an important role in mobilizing deposits and providing financing to facilitate growth. Islamic banking institutions offer a wide range of Islamic financial products and services. In the banking system as an institution, the presence of ethics is one of the most important indicators of progress and sustainability. Ethics in banking facilitates the relationship between the bank and the customer and the surrounding society and reduces the transaction costs of bank operations. Therefore, the present study has examined ethics in the Islamic banking system and its role in the formation of the legal dimensions of banking partnership contracts.
Conclusion: In a simple division, the theory of Islamic banking has been introduced at two levels. The first level, which is the minimum level, is based on the logic that; If the bank's transactions with the customer, in particular, contracts related to deposits and loans, are not prohibited, then Islamic banking is considered to be Islamic, which is the minimum level. The second level is that the Islamic banking system is considered a sub-system of the general economic system, and not only should banking transactions not be prohibited, but it is necessary that this sub-system should function in order to achieve the goals of the Islamic economic system, such as economic justice. Islamic banks use the participatory method in many of their projects. By examining the various contracts that exist in the Law on Interest-Free Banking Operations for granting facilities, it can be concluded that the civil partnership contract, considering ethical principles, can be used as the main tool for credit facilities in Islamic banking.
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| Keywords: Ethics, Islamic Banking, Contract, Banking Partnership |
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Full-Text [PDF 687 kb]
(9 Downloads)
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Type of Study: Research |
Subject:
Special
Received: 2025/12/5 | Accepted: 2026/02/5 | Published: 2026/09/1
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