Investigating the Effect of Providing Banking Facilities within the Framework of Islamic Contracts on the Value Added of Economic Sectors: Application of the Bayesian Vector Autoregression Model (BVAR)
Article Type:
Research
Writers:
Abstract:
In the interest- free banking system, Islamic contracts, due to their operational nature and interactivity with other economic sectors, can help guide and organize private sectors of the economy. This paper studies the effect of banking facilities within the framework of the Islamic contracts of Ju'alah, installment plan, legal partnerships, civil participation and Mudharabah on the value added of housing, industry and mining sectors. To this end, using the Bayesian vector autoregression model, the effect of banking facilities using the aforesaid contracts on the value added of the above mentioned sectors has been investigated by considering the variables of the general level of prices, exchange rate and oil revenue during the period of 1384-1394. Based on the results of the study, banking facilities did not have a significant impact on housing, industry and mining sectors within the framework of a legal partnership agreement; however, the facilities of Ju'alah, civil partnership, installment plan and Mudharabah had a positive and meaningful effect on all sectors of economy. The necessity of reforming the framework of legal participation facilities, strengthening of the facilities of Ju'alah and civil participation in housing, industry and mining sectors respectively, strengthening of Mudh arabah facilities and installment plans in these two sectors are among the implications and suggestions of this research.
چکیده و کلیدواژه فارسی (Persian)
Title :بررسی تأثیر ارائه تسهیلات بانکی در چارچوب عقود اسلامی بر ارزش افزوده بخش‌های اقتصادی: کاربرد الگوی خودرگرسیون برداری بیزین (BVAR)
Abstract:
در نظام بانکی بدون ربا، عقود اسلامی به دلیل ماهیت عملیاتی و تعاملی با بخش¬های اقتصادی، می¬توانند به هدایت و سامان¬دهی بخش¬ حقیقی اقتصاد کمک کنند. در این مقاله به بررسی تأثیر تسهیلات بانکی در چارچوب عقود اسلامی جعاله، فروش اقساطی، مشارکت حقوقی، مشارکت مدنی و مضاربه بر ارزش افزوده بخش¬های مسکن و صنعت و معدن می پردازیم. بدین منظور با استفاده از مدل خودرگرسیون برداری بیزین تاثیر تسهیلات بانکی با استفاده از عقود مزبور بر ارزش افزوده بخش¬های ذکر شده با توجه به متغیرهای سطح عمومی قیمت¬ها، نرخ ارز و درآمد نفتی طی دوره زمانی 1385-1394 برازش شده است. بر اساس نتایج تحقیق، تسهیلات بانکی در چارچوب عقد مشارکت حقوقی بر بخش¬های مسکن و صنعت و معدن تأثیر معنی¬داری ندارد؛ ولی تسهیلات جعاله، مشارکت مدنی، فروش اقساطی و مضاربه بر تمام بخش¬های اقتصادی مورد نظر، تأثیر مثبت و معنی¬داری دارند. لزوم اصلاح چارچوب تسهیلات مشارکت حقوقی، تقویت تسهیلات جعاله و مشارکت مدنی به ترتیب در بخش¬های مسکن و صنعت و معدن، تقویت تسهیلات مضاربه و فروش اقساطی در این دو بخش، جزء دلالت¬ها و پیشنهادهای پژوهش به شمار می¬روند.
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Nasr Esfahani , Mohammad, Ghaemi-Asl, Mahdi, Zare Kordiani , Ali asghar.(2025) Investigating the Effect of Providing Banking Facilities within the Framework of Islamic Contracts on the Value Added of Economic Sectors: Application of the Bayesian Vector Autoregression Model (BVAR). Ma`rifat-e Eghtesad-e Islami, 10(1), 47-64
Mohammad Nasr Esfahani ; Mahdi Ghaemi-Asl; Ali asghar Zare Kordiani ."Investigating the Effect of Providing Banking Facilities within the Framework of Islamic Contracts on the Value Added of Economic Sectors: Application of the Bayesian Vector Autoregression Model (BVAR)". Ma`rifat-e Eghtesad-e Islami, 10, 1, 2025, 47-64
Nasr Esfahani , M, Ghaemi-Asl, M, Zare Kordiani , A.(2025) 'Investigating the Effect of Providing Banking Facilities within the Framework of Islamic Contracts on the Value Added of Economic Sectors: Application of the Bayesian Vector Autoregression Model (BVAR)', Ma`rifat-e Eghtesad-e Islami, 10(1), pp. 47-64
Nasr Esfahani , M, Ghaemi-Asl, M, Zare Kordiani , A. Investigating the Effect of Providing Banking Facilities within the Framework of Islamic Contracts on the Value Added of Economic Sectors: Application of the Bayesian Vector Autoregression Model (BVAR). Ma`rifat-e Eghtesad-e Islami, 2025; 10(1): 47-64
