Ma`rifat Eqtesadi

This study analyzes one of the structural challenges facing Iran’s economy—namely, the paradox between the excessive accumulation of liquidity and the persistent shortage of financial resources for infrastructure development. The primary aim is to design and evaluate the Proposed Large-scale Project Financing Model (FLP) as a solution grounded in public participation and bank leveraging mechanisms. Adopting a descriptive-analytical approach, an agent-based model was developed using data from the national Household Income and Expenditure Survey, encompassing 2.5 million heterogeneous agents. To assess the performance of the proposed model, system dynamics analysis and simulation of agent behavior over a defined time horizon were employed. The results indicate that the model successfully financed a large-scale project within eight months and significantly improved distributive justice indicators, notably reducing the Gini coefficient by 0.041. These findings suggest that the PLP model, beyond functioning as a financial mechanism, can serve as an integrated, justice-based framework to promote economic growth and channel idle liquidity toward productive investments.