معرفت اقتصاد اسلامی

Although many positive and negative effects have been counted for the creation of credit money in the economy, and it has strong supporters and opponents in the conventional economy. However, from the perspective of Islamic economics and its teachings, no fundamental researches have been done regarding partial reserve banking and the nature of credit money creation and its jurisprudence. Therefore, the fundamental analysis and explanation of the partial reserve banking process and the nature of the creation of credit money and its jurisprudential results are the subject of this research, and it aims to provide a basic answer to the question of whether one rial of credit money creation is invalid and haram from the point of view of jurisprudence. Is it or not? Therefore, the current research has investigated the validity of the credit money creation with the descriptive-analytical method based on the nature of the creation of credit money, either from the path of partial reserve banking with an increasing coefficient or from the path of creating money from nothing, and based on It has provided policy and legislative recommendations for Iran's economy.