Ma`rifat Eqtesadi

One of the special features of Islamic banking is the allocation of bank resources based on one of the types of loan, exchange, or partnership contracts. Since the contracts have their own characteristics, the method of allocating resources based on each of the contracts has its own economic effects. The question that the current research answers is, what effect does the method of resource allocation in Islamic banking (transition from exchange contracts to partnership contracts) have on economic inequality in Iran? The main focus of the current research is profit contracts in Islamic banking. In this study, the ratio of payment facilities in the form of partnership contracts to exchange contracts has been used as an indicator for the bank's policy in allocating resources. The data used in the research is related to the years 1365 to 1400 H.SH, which has been analyzed based on the autoregression with distribution interval (ARDL) method. The results of the research, in addition to confirming the existence of the relationship between the studied variables, indicate that whenever banks have moved from exchange contracts to partnership contracts, economic inequalities have increased. So that with an increase of 1 unit in the ratio of partnership contracts to exchange contracts, the Gini coefficient has increased up to 0.03 units, which is a relatively large number. It seems that in Iran's inflationary conditions, promoting cooperative facilities is somehow a factor in strengthening the limited audience of this type of facilities, and considering that inflation has been higher than the bank interest rate for many years, it actually adds to economic inequalities.