




































Copyright © CC-BY-NC 2019, CRIBFB | ASFBR 

 

Asian Finance & Banking Review; Vol. 3, No. 2; 2019 
ISSN 2576-1161    E-ISSN 2576-1188 

Published by Centre for Research on Islamic Banking & Finance and Business, USA 

 

     7 
 

 

General Characteristics of Rastin Banking 
 
 

 
Bijan Bidabad 

B.A., M.Sc., Ph.D., Post-Doc. 
Professor 

Economics and Chief Islamic Banking Advisor, 
Bank Melli, Iran 

E-mail:bijan@bidabad.com 
 

Abstract 
In addition to removing Riba in banking activities, and by observing Islamic banking principles, and creating safe and public 
confidence environment, Rastin Banking can lead to important positive effects on growth and economic welfare through money 
and capital markets. In this paper, we refer to the headings set forth in Rastin Banking and its pillars of Rastin PLS banking. 
Rastin Banking is a new approach in the banking industry. 
 
Keywords: Rastin Banking, Rastin PLS banking, Islamic banking, Interest-free banking  
 
Introduction 
Many economists around the world have done their best to eliminate Riba from banking activities, but have not achieved much. 
In this direction, Rastin Banking, in compliance with Sharia commands, has been compiled to not only eliminate Riba but also 
to institutionalize various teachings of justice and Islamic ethics in banking activities. Good points of Rastin Banking in all fields 
of banking, financial, economic, ethical, social, and international activities are so expanded that it can be regarded as a base to 
improve banking structure. To preserve the achievements and technicalities of Rastin Banking, the Draft of Rastin Banking Bill1 
and the Operational Bylaw of Rastin Banking2 were compiled. Here we go touch just the heads of general topics of Rastin 
Banking and interested people can refer to the detailed texts of this method.3  
Principles 
To increase the compliance of banking system with principles and regulations of Islamic religion, and better access to safe 
financial activity and helping the economy to bloom, fair distribution of possibilities and opportunities, job creation and 
increasing the welfare of the society, Rastin Banking System was designed and all banks can carry out their activities on this 
basis. Rastin Banking System is based on special operational, financial, economic, ethical, social, legal, international  and 
organizational principles that based upon the latest scientific achievements of humankind in the field of science and technology 
with the aim of economic and banking growth and development of the society.  
A collection of Rastin Banking approaches is defined in Rastin Banking Bill and Operational Bylaw of Rastin Banking. 
Regulations of this banking system and all developments, improvements and designing its subsystems and new processes or 
concordance new subsystems with prevailing processes should be carried out by considering the content of the cited Bill and 
Bylaw. In addition, all future supplements and operational workflows should be designed in a way that not to contain fixed 
interest (Riba) whether in cash or in other forms of future payment promises or by superficial contracts including the abstruse or 
disguised interest rate.  
Rastin PLS Banking 
In Rastin PLS banking subsection, on behalf of the depositor, the bank finances entrepreneur for investment according to 
compiled regulations and at the end project, the entrepreneur will distribute the profit/loss of the project in proportion to 
capital and duration of using that capital with the depositor. The entrepreneur is responsible for all consequences of violating 
regulations of Rastin PLS Banking. Bank will have full supervision over the investment activity of the entrepreneur in the 
contract period. All documents of Rastin PLS Banking are regarded as official documents.  

                                                             
1 Bijan Bidabad, Azarang Amir Ostovar, Saeed Abdallahi, Mahmoud Allahyari Fard, Alexander Pordel, Maryam Heidary, 

Alireza Shafiee, Mohammad ALI Pourbehrouz, Draft of Rastin Banking Bill, Bank Melli Iran, 2012. 

2 Bijan Bidabad, Azarang Amir Ostovar, Saeed Abdallahi, Mahmoud Allahyari Fard, Alexander Pordel, Maryam Heidary, 

Alireza Shafiee, Mohammad ALI Pourbehrouz, Bylaw Operational Draft of Rastin Banking, Bank Melli Iran, 2012. 

3 - To access detailed full-text documents of Rastin Banking see: http://www.bidabad.com   

mailto:bijan@bidabad.com
http://www.bidabad.com/


Copyright © CC-BY-NC 2019, CRIBFB | ASFBR 

 

www.cribfb.com/journal/index.php/asfbr                                 Asian Finance & Banking Review                                 Vol. 3, No. 2; 2019 
 

8 
                         
 

Contracts, Measures and Legal Institutions 
To facilitate legal activities of Rastin Banking, some improvements have been carried out on auxiliary Islamic contracts, because 
today business conditions have been changed. For instance, in Rastin Banking Mudarabah, both sides can provide some of the 
necessary funds. The same is true in Muzaraah and Musaqah contracts, and both sides of the contract can provide portions of 
fund, land and other factors of production. These are some corrections that Rastin Banking applied to Civil Law. 
New contracts also were defined in Rastin Banking in Rastin Banking Bill as follows: 
Intermediation (Muvasatah): is a contract, which one of the parties provides the capital under the condition that the other party 
by considering considers discretion and interest of the first party transacts with the third party and receives a wage. In this 
contract, the capital owner is called "Moqsit", the agent is called Intermediate or "Wasit", and the third person is called 
Entrepreneur. 
Installing contract (Mughasatah): is a contract, which a person provides the total or a portion of the capital for economic activity 
and the other part will pay him back his share in the results of the activity by installments. In this case, the capital provider is 
called "Moghsit" (Installer), the agent is called "Ghasit" (Installment payer), and the result is called Moghsatah (Installed). 
Mughasatah has three kinds: ordinary, rental, and sharing. The share of Moghsit in rental Mughasatah includes price and value 
of the substance, and in sharing Mughasatah is the price of substance and value of the return of Mughasatah activity. 
Swap (Mubadalah): is a contract in which one person (Mobadil) (swapper) undertakes to give the ownership of a certain asset 
(Badal)/(swapped) to the other party (Motabadil)/(swappee/one who receives the swapped asset) for a defined period; and the 
other person also undertakes to give the ownership of the same amount (Mobaddal)(re-swapped)  to the first person (Mobadil) 
for an equal period.   
Planting (Mugharasah): is a contract between the owner (s) of a land and the agent (s) who implant on the land and they share 
jointly (like Muzaraah) the results whether it is timber, fruit, leaf, flower, pick, straw, haft, stem, nectar, bulb, root and etc.  
In order to fulfill the necessary legislative needs of bank sharing activities, joint investment funds, and facilitating social insurance 
activities, some new legal institutions are defined by Rastin Banking: 
Fund with variable capital: is a kind of fund in which the capital of fund varies along time through entering or exiting new 
shareholders and by changing their capital shares, or duration of sharing in the fund. Funds with varying capital have been 
defined in the laws of many countries, but in the laws of Iran, a few mentions are available about these types of fund. These 
funds can facilitate the operations of mutual funds, credit unions, and bank sharing activities. 
Pension fund: includes the funds for obligatory social security insurance with governmental personality and optional pension 
(saving thrift plans) with private or public legal personality. The pension fund, whether private or public, should operate under 
the high supervision of the Social Security Board. In addition to observing the regulations concerning Rastin Personal Security 
regulations, these funds are obliged to deposit their resources in Rastin PLS banks. 
Measures to discerning Riba: to distinguish profit from Riba the following measures were defined: 
In forward deals, the price of the contracted subject should not depend on the duration period involved. 
The lender should share the profit and loss of the economic activity of borrower. 
Exact profit rate should not be determined and prefixed. 
No profit should be charged for consumption financing. 
In transacting of foreign exchange, the price should not depend on the duration period of transaction, whether spot or forward. 
Exchange of funds or assets should be equal to values and durations. Values and durations of first and second exchanged assets 
can be different if multiplications of duration by value for both exchanges are equal. 
Entrepreneur  
In Rastin PLS banking, the entrepreneur is the applicant of fund resources. He will be bound to do his execution activities in 
accordance with his project proposal, which is approved by the bank. Therefore, his technical, financial and executive capabilities 
should be verified and should have the managerial capability in connection with the project and be able to absorb necessary 
experts and experienced or skilled labor and be able to provide some of the project expenses internally. It is necessary to review 
his previous financial performances through auditing reports and financial and tax clearance certificates. He should also be 
bound to his previous obligations and should not have outstanding or delayed debts to the banking network. For goodness and 
virtue of the applicant’s activities, he should submit collaterals and guarantees to the bank. The bank should refer to CRS 
(Collateral Registration System) and other authorities to confirm that the offered collaterals are free and have not been 
mortgaged before. 
The information on the project proposal of the entrepreneur, after the approval of the assessment unit of the bank, is reliable 
against him. The entrepreneur is bound to be transparent and follow and comply all his activities with auditing standards of 
Rastin Banking, and he has to follow the procedures of dividing profits, wage payment, bonuses, wage increase, overtime 
payments, accumulated profit and capitalization as reported in the project proposal. These items will be fixed from the 
beginning to the end of the project execution, and cannot be changed. If the provided information, documents, statistics by the 



Copyright © CC-BY-NC 2019, CRIBFB | ASFBR 

 

www.cribfb.com/journal/index.php/asfbr                                 Asian Finance & Banking Review                                 Vol. 3, No. 2; 2019 
 

9 
                         
 

entrepreneur are fabricated, tricky or made by fraudulently maneuvers and cause losses to depositors or bank, the bank can 
compensate the losses from the collaterals and guarantees. 
To safeguard the benefits of the depositor and continue the obligations of the entrepreneur to fulfill the contract, the bank 
deprives the entrepreneur from the right of terminating the contract. In Rastin PLS banking contracts, it is necessary to cite the 
stewardship of the bank. If entrepreneur does not want or cannot carry out his tasks for any reason such as stopover, bankruptcy, 
dissolution, death, failure, insanity and so on, and the project halts, bank itself, or by selecting new entrepreneur will continue 
the project, or compensate the legal claims of the contract through collaterals and guarantees of entrepreneur. On the other side, 
the entrepreneur is bound to provide insurance coverage for probable risks. The kind of insurance coverage, costs, benefits, and 
beneficent are due to Rastin Banking regulations. 
The entrepreneur is not allowed to transact, transfer or change the ownership or possession of the assets of the subject of the 
contract including the collaterals during contract term without informing the trustee unit of bank PLS department. If he violates 
without informing the bank, and the operational activities of the project stop or are disrupted, the entrepreneur will be 
responsible for compensating the loss from the time of transaction or transference. To prevent such seizures, the trustee unit of 
PLS department of the bank will conduct periodic and ad hoc supervisions and even bank is allowed to bound the entrepreneur 
to install monitoring devices like RFID4, camera, and GPS5 to control replacement and movement of equipment. In addition, 
the entrepreneur is obliged to inform the trustee unit and obtain the permission of PLS department of the bank for further 
finance from other financial institutes. The entrepreneur is not allowed to sell the assessed assets of his company during the 
contract. 
The entrepreneur is bound to provide periodic and ad hoc reports according to national accounting, and financial standards 
defined by Auditing Organization according to laws and regulations, commensurate to the volume of investment and applied 
technology, and submit to trustee unit. Entrepreneur’s auditor is selected among the officially approved auditors by bank and 
entrepreneur is obliged to provide the necessary arrangements and document monitoring for the auditor during the contract. 
If the financial provision of the project is not sufficient, by request of the entrepreneur, the bank can review the subject and after 
confirmation of trustee unit, by issuing new Rastin Certificates, finance the extra resources needs of the project. 
Depositor 
Those depositors, who are willing to participate in economic projects of an entrepreneur, in the form of Rastin PLS banking, 
will receive Rastin Certificates. The owners of these certificates share the results of the project proportional to nominal price and 
participation period of the certificate.  
The bank is not allowed to consider any privilege or priority for some depositors, buyers or sellers of Rastin Certificates or 
discriminates among them. The entrepreneur is allowed as like as the other real or legal persons to buy Rastin Certificates of his 
own project or other projects from Rastin Certificate Market.  
The depositor can negotiate his certificate before the end of the contract or transfer it to others at a market price. Transaction 
and transfer of Rastin Certificates are carried out on the website of the bank or dealing companies and other financial and 
banking institutions connected to the bank website. All the transactions should be registered at the issuer bank website. The 
periodic or final settlement of the certificate will be carried out with the latest owner of the certificate according to the kind of 
certificate and the concerning regulations of Rastin Banking. 
Assessment and Supervision 
To safeguard the benefits of depositor (purchaser of Rastin Certificate); and obtaining confidence about the design, 
explanations, calculations and feasibility of the project from various economic, technical and financial views; and good 
performance of the entrepreneur, bank uses internal or external real persons or legal entities services who have necessary 
capabilities and equipment including hardware and software. Assessment and supervision groups of trustee and assessment units 
of the bank consist of technical, engineering, financial and economic sections and conduct the assessment and supervision on the 
basis of activity type, project sophistication, and technicalities, the amount of investment, duration of project and etc. according 
to Rastin Banking regulations. The capabilities of entrepreneur are assessed by prevailing financial measures and criteria. Thus, 
entrepreneurs are ranked according to their incapability risks. Bank signs participation contract with that entrepreneur who has a 
lower risk.  
Assessor examines the reality of the project proposal and gives his view about the capability of the entrepreneur and the 
feasibility of the project. The project proposal should have necessary economic, technical, and financial justifications and will be 
financed by the bank if it is approved by the assessment unit of the PLS department of the bank. 
The trustee is responsible for supervision and monitoring of operational activities and expenditures of the allocated fund, 
account keeping and financial reports of the project. The settlement with the entrepreneur in each phase and at the end of the 
project is due to the final confirmation of trustee unit according to Rastin Banking regulations. 

                                                             
4 Radio Frequency Identification (RFID). 
5 Global Positioning System (GPS). 



Copyright © CC-BY-NC 2019, CRIBFB | ASFBR 

 

www.cribfb.com/journal/index.php/asfbr                                 Asian Finance & Banking Review                                 Vol. 3, No. 2; 2019 
 

10 
                         
 

If the actual timing of project implementation does not match with the approved proposal, the related losses and fines will be 
deducted from the profit of entrepreneur, or his collaterals and guarantees according to Rastin Banking regulations. 
Bank receives two commissions for preliminary and detailed assessments of the project plan. These commissions will be included 
in acceptable costs of the project. If the project is rejected during the assessment process, assessments cost will not be returned to 
the entrepreneur. In addition, at each time of allocating fund to project, the bank receives a commission for supervision, trustee, 
financial engineering, examination, and other services, which will be included in acceptable costs of the project. At the end of the 
project, if it gains profit, the bank will receive a share of profit proportional to the contributed fund of the project as the bank’s 
income. 
Rastin PLS Base System 
Rastin PLS Base system refers to the main process and general regulations of Rastin Profit and Loss Sharing (PLS) Banking 
system. On request and on behalf of the depositor, the bank invests his fund in one of Rastin PLS products and instead, gives 
Rastin Certificate of the selected project to him and allocates his fund to the selected project of an entrepreneur; and supervises 
the implementation and execution of the project. In the end, after deducting its own commission, bank divides the profit/loss (if 
any) among engaged sides (depositors and entrepreneur). The bank is an agent of the depositor and is responsible for observing 
his rights (depositor). He must use all his expertise to reach this end. In Rastin Base PLS system for finite projects, Musharakah 
(Participation) Certificates, and for infinite projects Pazireh (Subscripted) Certificates are used. These activities are done under 
Rastin Banking regulations.  
The fixed profit rate is eliminated in Rastin PLS banking, and the return rate is calculated according to the real return of capital 
in the real economy. Most of the regulations of Rastin PLS Base system are extended to its financial subsystems.  
To make the bank capable of reaching his goals in a proper way, this system has its own organization, structure, and working 
process. Major topics in Rastin PLS Base system consist of organizational, professional behavior of assessor and trustee, project 
proposal, assessment, guarantees, collaterals and entrepreneur cash contribution (brought), insurance, contract set-out, 
supervision, entrepreneur, financial transparency, information disclosure, governance, auditing, Rastin Participation Accounting, 
change of project timing, settlement, bank receipts, transforming Pazireh (Subscripted) Certificates into shares of entrepreneur 
company, inspection and commodity standard, auxiliary financial tools, unexpected accidents (Force Majeure) and arbitration. 
Rastin Certificates 
Rastin Certificates are a collection of designed certificates in Rastin PLS Banking Base system and its financial subsystems. 
These certificates can be anonymous or named papers, which are transferable and negotiable online through the website of the 
bank and are issued with a nominal price and for a certain period. The owners of these certificates share the results of the project 
proportional to nominal price and participation period of the certificate.   
Bank by issuing and creating market and basket of Rastin Certificates provides various opportunities for the transaction of these 
papers. Various Rastin Certificates and their characteristics according to the kind of participation in the PLS Base system or its 
financial subsystems regarding the type of project and the asset used will be bound to Rastin Banking regulations. 
Regarding the supervisory role of trustee unit of banks over entrepreneurs, these certificates are distinguished from ordinary 
papers with “certificate” prefix. Being anonymous, transferability, negotiability in the secondary virtual market (Rastin 
Certificate market), the profitability of their transactions for the bank, pricing according to supply and demand mechanism of 
Rastin Certificate Market, a periodic settlement with the latest certificate owner, are some characteristics of these certificates.  
Rastin Financial Subsystems 
Rastin financial subsystems refer to specific financing methods or services in Rastin PLS Banking. These subsystems work under 
general regulations of Rastin PLS Base system, and are: 
Joalah Financial Sharing (JFS): is a method in which, the bank finances entrepreneur (producer) from depositor's resources or 
the provided sources by the buyer; by selling Future Certificates (to depositor or buyer) and in the framework of another joalah 
contract, entrepreneur produces the buyer requested commodity. Future Certificate is used in JFS. 
Mudarabah Financial Sharing (MFS): is a kind of mudarabah under Rastin PLS banking in which bank introduces the 
entrepreneur project proposal in the field of trade or transaction of commodities (commerce) to depositors and by selling them 
Mudarabah Certificates finances the entrepreneur (modarib). In MFS Mudarabah and Periodic Mudarabah Certificates are used. 
Installment Financial Sharing (IFS):  in IFS, the installer (moghsit or depositor) will finance a portion of the needed fund of the 
entrepreneur through the bank for a certain period of time (amortization period). The entrepreneur will pay back his share by 
installments and will own the total property of the project, and IFS ends. IFS can be carried out through one of the contracts of 
Ordinary Mughasatah (Installment), Rental Mughasatah (installment) and Musharakah (sharing) Mughasatah (installment); and 
by application of three related kinds of certificates of Ordinary Mughasatah and Rental Mughasatah Certificates for finite 
projects and Musharakah Mughasatah Certificate for infinite projects. 



Copyright © CC-BY-NC 2019, CRIBFB | ASFBR 

 

www.cribfb.com/journal/index.php/asfbr                                 Asian Finance & Banking Review                                 Vol. 3, No. 2; 2019 
 

11 
                         
 

Rent Financial Sharing (RFS): entrepreneur temporarily donates the ownership of a part of his productive asset6, rental asset7 , 
or dead asset8 to the depositor who finances him but keeps it as a mortgage. Then pays back the fund received from the yields 
of the asset proportional to depositor's share to depositor at the end of the contract, or periodically. The original deposit of 
depositor will be given back to him after the end of the project. The profit of the project will be given to depositor periodically 
or in a lump. Mortgage Sharing, Periodic Mortgage Sharing, Mortgage Mudarabah (commerce), Periodic Mortgage Mudarabah, 
Mortgage Muzaraah (cultivating), Periodic Muzaraah, Mortgage Mugharasah (planting), Periodic Mortgage Mugharasah, 
Mortgage Musaghah (irrigation), Periodic Mortgage Musaghah, Mortgage Istisna (industrial/manufacturing), Periodic 
Mortgage Istisna and Rental Certificates are used in RFS.  
Bail Financial Sharing (BFS): is the application of deposit of depositor by the entrepreneur to produce a defined commodity and 
delivering the commodity or paying back its value in a future specified time. BFS uses Bail Certificate. 
Rastin Group Funding (RGF): is collecting deposits of specific depositors for a specific beneficial project under the regulations 
of Rastin Banking. In RGF, Rastin certificate is not issued. 
Rastin Personal Security (RPS): to create competitive conditions and to increase the efficiency of social security insurance and 
diminishing antitrust of social security systems and pension funds, private and public pension funds are established according to 
Rastin Banking regulations. People and firms can allocate a portion of their obligatory (or optional) insurance premium 
payments (for himself or his employees) for social security to the funds that operate under Rastin Personal Security (RPS) and 
enjoy its benefits. Therefore, they will be exempted from obligatory insurance premium payments equal to the payment they 
have paid to these funds. In addition, those employers who have obtained Rastin Personal Security coverage for their employees 
will enjoy a 50 percent reduction in their obligatory social security payments. This also encourages them to increase 
employment. RPS uses Social Security Certificate, Personal Security Certificate, and Pension Security Certificates.          
Rastin Social Takaful (RST): benevolent people can deposit their funds at banks for charity purposes, and the bank will be 
allowed to pay profit (or the principal as well) of deposit to needy people, in the form of a loan or non-returnable payments 
(according to the depositor request). RST works under Rastin Banking regulations as "public takaful" (humanistic duty of 
people to resolve others' needs), or "ziman-e-I'alih" (government duty to provide people's livelihood of the society). In addition, 
the bank can collect Waqf (devoted) deposits to raise fund. Waqf deposit is a kind of deposit devoted by the depositor 
(benefactor) to the bank, and the bank will use the yields of this deposit to support needy people in the framework of Rastin 
Banking regulations.  
Those people, who need financial support and cannot afford their basic livelihoods are: needy people, poor, indigent, helpless, 
mentally or bodily sick, disabled or handicapped, insane, bedridden, elderly, vagrant, captive, deserted child, exiled, orphan, 
infant without parent, damaged, those who cannot afford blood money of unintentional faults, families with no guardians or 
poor guardians, and similar cases; and those who are eligible to receive Fitriah, Zakat, Kaffarah, and charity payments. Moreover, 
those people whom private (not governmental) benevolent depositor introduces to the bank to receive charity payments or loans, 
even be included or not included in the above list are considered as needy and should be supported through the specified 
benevolent deposit.                   
Ensuring minimum livelihood in forms of monthly or lump payment can be done through Rastin Social Takaful insurances such 
as: Housing insurance, Marriage insurance, Job insurance, Education insurance, Medical and Medicare insurance, Incident 
insurance, Food insurance, Clothing insurance, Insurance for defending rights, Orphan insurance, Disabled insurance, 
Guardianship insurance and Relief insurance under Rastin Banking regulations.  
Social Security Organization, charity institutions, and supportive organizations cannot conduct takaful activities directly, and 
they must do the job through bank to support people. Bank will pay the needy according to the issued draft of benevolent. 
Bank and governmental benevolent are obliged to release their supporting payments information on their website in such a way 
that would not harm the prestige of the supported people. The bank that acts under RST should provide its performance report 
according to central bank regulations. The Central Bank controls the performance of the bank in connection with RST activities 
and reports any violations to legal or disciplinary authorities. Supervisory organizations and institutions, whether including 
General Inspection Organization of the country or General Accounting Authority, will have proper supervision on the proper 
execution of Rastin Social Takaful. Rastin Social Takaful is applicable by issuing Takaful Certificate and Loan Certificate. 
Sponsor Crowd Funding (SCF): is the process of collecting non-returnable funds for a specific protective goal of the 
entrepreneur through the bank via social networks. In SCF, Rastin certificate is not issued. 
Peer to Peer Loan (PPL): is the process of collecting funds for loan-financing the entrepreneur through the bank and via social 
networks. In PPL, Rastin certificate is not issued. 

                                                             
6 "Productive assets" refers to the assets of an operating firm. 
7 "Rental assets" refers to those assets, which can be let. 
8 "Dead assets" refers to non-operating (suspended) firms or uncultivated lands assets. 



Copyright © CC-BY-NC 2019, CRIBFB | ASFBR 

 

www.cribfb.com/journal/index.php/asfbr                                 Asian Finance & Banking Review                                 Vol. 3, No. 2; 2019 
 

12 
                         
 

Rastin Swap Bond (RSB): is based upon Mubadalah (swap) contract between Mobadil (swapper) and Motebadil (swappee) in 
which the duration and substances of swaps are equal for first and second swaps. Motebadil (swappee) issues the bond and owes 
to Mobadil equal to the nominal value of the bond; should pay this amount (badal) to Mobadil (swapper) at maturity. The 
issuer (Motebadil) is obliged to give the mobaadal for the same amount and period as badal to mobadil. He can choose a 
combination of amount and period that the multiplication of amount by the period of mobaddal be equal to that of badal. At 
second maturity, mobadil is committed to returning mobaddal to motebadil. No interest rate is involved in these bonds, and 
they are of four kinds: Central Bank Rastin Swap Bond, Treasury Rastin Swap Bond, Bank Rastin Swap Bond, and Commercial 
Rastin Swap Bond. They can be in domestic money or foreign exchange. Regarding the fact that these bonds are not based upon 
participation and just indicate swapping of assets, is not covered by regulations of the Rastin PLS Base system, but uses its 
infrastructure such as organization and Rastin Certificate Market. 
Rastin Swap Deposit (RSD): is a new banking deposit account, which is interest-free and is based on Swap Contract in Rastin 
Banking. In this depositing by opening the deposit, the depositor is entitled to use the interest-free loan to the amount and 
duration that his resources have been being deposited and then return the money back to the bank. Depositor and bank agree 
that a combination of money and duration be selected in such a way that the products of amount and duration in both 
operations of depositing and loaning be the same. From the time of depositing to the first maturity (the date that depositor 
requests loan), the depositor is lender, and the bank is borrower; and from the time of the first maturity to second maturity (the 
date that depositor returns the money back to the bank) the depositor is borrower, and the bank is lender. 
Rastin Swap Card (RSC): is a bank card, and has no interest rate and is issued based on the Swap Contract in Rastin Banking. In 
Rastin Swap Card there are two periods. In the first-period card, issuer lends money to the cardholder, and in the second period 
borrows money from card holder instead. At the first stage card issuer credits a certain amount of money for specific time 
duration to the card of cardholder and requests the cardholder to deposit the same amount for the same period at the end of the 
cited time duration (first maturity) in the issuer's deposit account. Card issuer and cardholder can agree for a combination of 
amount and duration for which the product of them (amount by duration) be equal for both operations of lending money by the 

issuer and depositing by the cardholder. Rastin Swap Card can be issued in both local and foreign currencies. Bank receives a fee 
by offering Rastin Swap Card service. 
Complementary Systems 
Rastin Banking Complementary Systems refer to innovations, systems and complement methods in Rastin Banking system; and 
are as follow: 
Rastin Certificate Market (RCM): bank establishes RCM with specific characteristics and capabilities. Different Rastin 
Certificates and Rastin Swap Bonds can be transacted in this market. Bank activates the information portal about projects and 
entrepreneurs of Rastin PLS bank through RCM and releases information about Rastin PLS financial projects to the public. 
The system should be capable of online updating the information about available certificates, transactions, settlements, 
capitalization, transfer, or any other activity on Rastin Certificates transactions. 
Crowd Funding System (CFS): this system is a web-based system, which collects funds for Sponsor Crowd Funding (SCF) and 
Peer to Peer Loan (PPL) projects via social networks. 
Operation Control and Monitor (OCM): this system is a web-based inspection and monitoring system, which controls the 
activities of bank personnel. By establishes this system, the bank has online control over the personnel activities to be in 
accordance with operational instructions of Rastin Banking system. Online unnoticeable monitoring of all activities of bank 
units, clients and personnel of different departments and branches, incompatibility of accounts and documents, embezzlement, 
cheating, and fraud detection and etc. with varying levels of accessibility, reporting and analysis routines, data mining, 
distinguishing and follow up systems for cyber-attacks and establishment of internal control are the tasks of this system. 
Collateral Registration System (CRS): Department of Registry of Documents and Properties establishes the integrated 
Collateral Registration System (CRS) for registering movable and immovable collaterals and introduces it to notary offices. 
Banks, notary offices and other related authorities (determined by Department of Registry of Documents and Properties) at the 
time of mortgaging collaterals or restraining properties should register all mortgage information in this system. This system is 
integrated, and each asset has a unique identification number. Therefore, it can easily show whether an asset has been 
collateralized or restrained before or not. Department of Registry of Documents and Properties provides this capability for 
banks and other organizations and real persons and legal entities to find out online whether an asset has been collateralized or 
restrained before or not. On the other hand, in order to provide a safer environment for conducting collaterals auction and sale 
and enforcing the subjects of enforceable documents, Department of Registry of Documents and Properties establishes a website 
for auction with Relational Database Management System, auction and sale capabilities and dynamically connected to CRS. 
Serial Commitments Clearance (SCC): provides the necessary arrangements for settlement of obligations of people who are in 
debt to someone from one hand, while they are creditors to someone else in a chain of debits and credits in a set of people. 
Accordingly, banks, notary offices, and other authorized authorities can clear serial obligations of persons according to laws and 



Copyright © CC-BY-NC 2019, CRIBFB | ASFBR 

 

www.cribfb.com/journal/index.php/asfbr                                 Asian Finance & Banking Review                                 Vol. 3, No. 2; 2019 
 

13 
                         
 

regulations and based on their requests and release their collaterals and guarantees as far as their debts are equivalent. Bank will 
gain a commission for rendering this service. 
Mortgage Securitization System (MSS): by assessing the value of the asset, the bank can issue Guarantee Certificate in different 
lots and periods for the owner of the asset. The holder of this certificate can apply to banks and other institutions or real 
persons and legal entities (who accept these certificates as guaranty) for themselves or on behalf of other people. Obtaining these 
certificates can be through ordinary or official contracts.  
The issuer bank by using Interbank Withdrawal Protocol (IWP) can gain his claims from the accounts of the indebted after 
restraining the Guarantee Certificate. If the issuer bank becomes bankrupt, the beneficiary of Guarantee Certificate can obtain his 
nominal claim from settlement manager. 
Interbank Withdrawal Protocol (IWP): allows bank to obtain his claim created through binding contracts or commercial 
documents (check, promissory note, and draft) from other accounts of the debtor at other banks, or accounts belonging to his 
guarantors at other banks in an online way, after the debtor’s first bank account is depleted. This activity takes place under 
central bank supervision. The bank is not allowed to use IWP in relation to ministries and other governmental organizations 
accounts that have a row in government budget bill. However, the bank is allowed to use IWP in relation to the accounts of 
governmental companies and other affiliated organizations and institutes to government, and non-governmental public 
institutions that do not use a public budget, including pension and social security organizations, revolutionary foundations and 
organizations and holy shrines.  
To implement this protocol, the central bank provides necessary legal and electronic obligations to all banks, financial and credit 
institutes. Based on claimer request, the IWP software will carry on account of the creditor if any money is carried into account 
of the debtor automatically at the same time. Therefore, every bank client should have a unique identification number in the 
banking system; in addition, all commercial documents should have a unique identity number.  
According to this protocol, the bank provides the necessary conditions for receiving outstanding and delayed debts, doubtful 
debts, unpaid debts of his own claims and his client's claims that initiated through a loan, check, promissory notes, drafts, that 
had been initiated in the traditional system before. 
Non-Usury Scripless Security Settlement System (NSSSS): Central bank establishes the integrated Usury-free Scripless Security 
Settlement System with specific characteristics and capabilities and activates the registration portal for entrepreneurs of Rastin 
PLS banking. Compliance with Sharia is the necessary condition for the entrance of financial documents and instruments in this 
portal. 
Portals of Rastin Certificate Markets (RCM) of banks are to be designed in accordance with the central bank’s standards, so 
that the information concerning financing projects through Rastin PLS banking, entrepreneurs and Rastin Certificates will be 
updated online in NSSSS system. This system should be capable of online updating of information concerning Rastin 
Certificates and Rastin Swap Bonds of bank’s portal for each transaction, settlement, capitalization or any other kinds of 
transaction and transition of Rastin Certificates and Bond by registering them in the system. 
Money Laundering Detection System (MLD): all commercial and financial transactions, whether with the aim of gaining profit 
or not, are regarded as economic transaction and are included in the Value Added Tax System. In addition, there should be a 
spot or delayed payment for each transaction of commodity or service. The two information of each transaction, that is a 
transaction of a commodity (or service) and its payment, should be matching; otherwise, there will be suspicion of money 
laundering. The MLD system will provide structural and electronic conditions for comparing and matching banking and tax 
information. If necessary conditions be forced that underground economy parties be obliged to use banking system; and tax 
authorities do special supervision on large and medium transactions and transition of commodities, money-laundering activities 
can be detected and traced through matching tax information and banking information. To do so, all the banks and credit 
associations become obliged to report money transactions data of persons to Anti Money Laundering Organization at the 
Ministry of Finance and Economic Affairs to be compared with Value Added Tax data (individuals’ sales factors). The cited 
organization performs mechanized data mining by computer software based on Information and Communications Technology 
to discover the suspicion of money laundering. 
Preventing Squandering of Banking Resources 
To prevent squandering and to reform banking sources consumptions, which have worse economic and social consequences than 
Riba, and to increase efficiency, the bank is obliged to follow specific regulations concerning his activities. To decrease 
operational costs and to increase efficiency, and facilitate rendering banking services to clients; banks should mechanize their 
operational systems and by re-engineering their operational processes, make them more economical and safer and by gradual 
diminishing of the number of their physical  branches, prevent the useless branch accumulation. Moreover, by interbank 
transactions and transfer of their surplus personnel to complementary banking services such as assessor, supervisor (trustee), 
intermediate, dealer, investment adviser, market operator, publisher, transactor, financial basket operator, financing company, 
investment fund, rating agency, financial information processing, credit rating institute, financial IT services institute etc., after 
training them; provide convenient conditions for financial services activities.  



Copyright © CC-BY-NC 2019, CRIBFB | ASFBR 

 

www.cribfb.com/journal/index.php/asfbr                                 Asian Finance & Banking Review                                 Vol. 3, No. 2; 2019 
 

14 
                         
 

Banks will be obliged to finance only projects, which have observed the following considerations and criteria in their project 
proposal.  
Decreased costs of investment, production, consumption, and distribution.  
Increased efficiency with the lowest amount of damages, wastes, defected, and low standard products.  
The useful production life of the investment and durable and semi-durable productions, constructions, skeletons, installations, 
and machinery should be long enough. 
Road and transportation projects should be designed in such a way to stay for a long period. 
Considerations should be observed about the optimum use of energy and fuel in constructions, installations, and machinery. 
Cultivating soil erosion should be prevented. 
Decreases the mortality and extends the life of human being.  
Creates clean production and prevents environmental pollution and lead to sustainable production by creating ecological 
production loops. 
Prevent incorrect mine extraction.  
Encountering natural incidents in the project proposal to preserve the invested capital and prevents rapid or gradual product 
deterioration or erosion because of temperature, natural and atmospheric incidents such as humidity and acidity climates. 
Unique standards should be used in joints, machinery, systems, parts, and various mechanical apparatuses. 
Prevent waste of resources due to non-optimal resource combination. 
Restoring Uncultivated Lands 
By observing financing regulations, the bank can finance projects of restoring uncultivated lands. The government can provide its 
own uncultivated lands to the applicants of projects for restoring uncultivated lands, and if these lands are restored, the 
government will transfer the restored land to restorer agent; or shares it between restorer and bank if it were financed by the 
bank according to regulations. Lands authorities are obliged to support qualified applicants for the promotion of employment 
and development of agriculture, industry, mining, housing and tourism in the development of different regions of the country.  
Transparency, Information Disclosure and Governance in Bank 
Bank and parties involved in Rastin Banking contracts should observe the supervisory regulations of central bank and Stock 
Exchange Organization concerning financial transparency, information disclosure, and corporate governance. 
Carrying Out the Subject of Enforceable Documents 
In implementing the Rastin Banking system, all contracts with the bank are considered as official documents and enforceable. 
These contracts will be carried out by the unit of execution of enforceable documents in the bank, through the personnel of this 
unit. If the debtor would not fulfill his commitment, after assessing the subject of the contract, the collateral will be sold through 
an auction, and after paying back the debt, the surplus will be paid to the owner of the mortgage. The organization, 
management, supervision, and implementation of execution of enforceable documents will be according to banking regulations 
concerning Execution of Bank's Enforceable Documents and Method of Investigation of Complain of Execution Process in 
Rastin Banking regulations. 
Safeguarding of Rastin Banking 
Regarding the importance of Rastin Banking system achievements, it is necessary to establish a committee composed of 
experienced experts in this field as “Safeguarding Rastin Banking Committee” for five years under the supervision of central 
bank for the virtue of the implication, training, development and solving the probable deficiencies and obstacles of Rastin 
Banking system. The organization and activities of this committee have been specified and compiled in Rastin Banking 
regulations. The Ministry of Science, Technology, and Research will also define Rastin Banking and related financial services 
courses and degrees for universities such as financial marketing, assessing, supervision, intermediation, and consultancy with 
observing the concepts and regulations of Rastin Banking system and its future reforms and developments. 
In order to safeguard Rastin Banking system and the rights of depositors and entrepreneurs and all those who trust the bank, all 
banking personnel, from top to bottom, at managerial and execution levels should precisely implement the regulations of Rastin 
Banking system and abstain any violation; otherwise, the wrongdoer will be encountered legally. Various violations and 
punishments and the method of investigation of violations of the employees have been defined in Rastin Banking regulations.  
Documents and Regulations 
All Rastin Banking Documents are accessible in full-text.9 There are more than fifty ongoing complementary projects to develop 
Rastin Banking. The following legal documents have been compiled for Rastin Banking until this time:  
Draft of Rastin Banking Bill 
Draft of Operational Bylaw of Rastin Banking 
Draft of Operational Bylaw of Financial Transparency, Governance, and Banking Information Disclosure in Rastin Banking. 

                                                             
9 http://www.bidabad.com 

http://www.bidabad.com/


Copyright © CC-BY-NC 2019, CRIBFB | ASFBR 

 

www.cribfb.com/journal/index.php/asfbr                                 Asian Finance & Banking Review                                 Vol. 3, No. 2; 2019 
 

15 
                         
 

Draft of Bylaw of Execution of Bank's Enforceable Documents and Method of Investigation of Complain of Execution Process 
in Rastin Banking.  
Conclusion 
Removal of Riba from banking operations has been one of the aspirations of religious scholars during history. To achieve this 
goal, we tried to mix our theoretical and experimental knowledge to develop Rastin Banking. Rastin Banking is a complete 
solution to banking based on Islamic and ethical teachings with a scientific and technological approach. Some parts and modules 
of Rastin Banking have been implemented in Bank Melli Iran. The installed parts of the system are now functioning and have 
attracted depositors and investors, and since the procedures and instructions are well defined, the bank's staff is performing its 
procedures easily. The results of the test system are very satisfactory, but it needs more time for more analysis of the weak and 
strong points of the system. 
Rastin Banking is an open-source banking model, and all banks around the globe can easily install and use it. We wish Rastin 
banking can put important steps to remove Riba and establish Islamic banking.  
Resources of Rastin Banking 
The Persian and English documents of Rastin Banking all are accessible through http://www.bidabad.com in full texts. 
Persian Documents 
Persian Books and Detailed Reports 

المی بیژن بیدآباد، مبانی عرفانی اقتصاد اسالمی، پول، بانک، بیمه و مالیه از دیدگاه حکمت. پژوهشکدة پولی و بانکی، بانک مرکزی جمهوری اس

.1383ایران،   

http://www.bidabad.com/doc/mabani-erfani-eqtesade-islami.pdf   
بري، بیژن  بیژن بیدآباد، ژینا آقابیگي، مهستي نعیمي، آذرنگ امیراستوار، سعید صالحیان، سعید نفیسي زیده سرایي، علیرضا مهدیزاده چله

پور، نادیا خلیلي والئي. طرح تفصیلي بانكداري مشاركت در سود و زیان  پور، سعید شیخاني، محمود الهیاري فرد، محمد صفایي حسین

(PLS)راستین  .1387ریزي، بانك ملي ایران،  ، اداره تحقیقات و برنامه  
http://www.bidabad.com/doc/detailed-pls.pdf  

داودي،  زاده، علي حیات ، علیرضا مهديبیژن بیدآباد، ژینا آقابیگي، آذرنگ امیراستوار، ابوالفضل هزاوه، علیرضا شفیعي، سعید نفیسي زبده سرائي

اله زاده،  پور، علي كوثري، باقر عین پور، سید علي حسیني، اكبر شالي، محمد كاشفي، محمود الهیاري فرد، محمد صفایي بیژن حسین

(MFS)مهستي نعیمي، نادیا خلیلي والئي، شاكري. طرح تفصیلي مشاركت مالي مضاربه  ر سود و ، زیرسیستم بانكداري مشاركت د

(PLS)زیان راستین  . 1389، بانك ملي ایران، تهران   
http://www.bidabad.com/doc/detailed-mfs.pdf  

داودي، بیژن  زاده، علي حیات ديبیژن بیدآباد، آذرنگ امیراستوار، ابوالفضل هزاوه، علیرضا شفیعي، سعید نفیسي زبده سرائي، علیرضا مه
اله زاده، مجید  پور، علي كوثري، باقر عین پور، سیدعلي حسیني، اكبر شالي، محمد كاشفي، محمود الهیاري فرد، محمد صفایي حسین

(JFS)ناصري، مهستي نعیمي، نادیا خلیلي والئي، شاكري. طرح تفصیلي مشاركت مالي جعاله  سود و  ، زیرسیستم بانكداري مشاركت در

(PLS)زیان راستین  .1389، بانك ملي ایران، تهران   
http://www.bidabad.com/doc/detailed-jfs.pdf  

شمس، شهرام اکبرزاده. طرح بیژن بیدآباد، امیر عباس سیاهپوش، مهتاب میرزایی قاضی، سمیه الجبوری، زینب غالمي، امیر شریفی، امیر 

. 1389الحسنه مهر ایران،  انداز، بانك قرض الحسنه پس تفصیلي گواهي قرض  
http://www.bidabad.com/doc/gavahi-qarz-tarh-bi-vam.pdf  
http://www.bidabad.com/doc/gavahi-qarz-tarh.ppt  

ي بیژن بیدآباد، امیرعباس سیاهپوش، مهتاب میرزایی قاضی، سمیه الجبوری، زینب غالمي، امیر شریفی، امیر شمس، شهرام اکبرزاده. طرح تفصیل

.1390الحسنه مهر ایران،  بانك قرضانداز با گواهي امتیاز حق وام،  الحسنه پس گواهي قرض  
http://www.bidabad.com/doc/gavahi-qarz-tarh-ba-vam.pdf  

(IFS)بیژن بیدآباد، طرح تفصیلي مشاركت مالي مقاسطه  ن ، زیرسیستم بانكداري مشاركت در سود و زیان راستی (PLS) اداره تحقیقات و .

.1390ریزی، بانك ملي ایران، تهران  برنامه  
http://www.bidabad.com/doc/detailed-ifs.pdf   

(RFS)بیژن بیدآباد، طرح تفصیلي مشاركت مالي اجاره  زیان راستین  ، زیرسیستم بانكداري مشاركت در سود و (PLS) اداره تحقیقات و .

.1390ریزی، بانك ملي ایران، تهران  برنامه  
http://www.bidabad.com/doc/detailed-rfs.pdf  

، بانك ملي ایران، تهران (PLS)، زیرسیستم بانكداري مشاركت در سود و زیان راستین (RST)بیژن بیدآباد. طرح تفصیلي تکافل اجتماعی راستین 

1391 .  
http://www.bidabad.com/doc/detailed-rst.pdf  

(BFS)بیژن بیدآباد. طرح تفصیلي تأمین مالی امانی  مشاركت در سود و زیان راستین  ، زیرسیستم بانكداري (PLS) . 1391، بانك ملي ایران، تهران   
http://www.bidabad.com/doc/detailed-bfs.pdf  

(RPS)بیژن بیدآباد. طرح تفصیلی تأمین شخصی راستین  یان راستین ، زیرسیستم بانكداري مشاركت در سود و ز (PLS) بانك ملي ایران، تهران ،

1391.  
http://www.bidabad.com/doc/detailed-rps.pdf  

http://www.bidabad.com/
http://www.bidabad.com/doc/mabani-erfani-eqtesade-islami.pdf
http://www.bidabad.com/doc/detailed-pls.pdf
http://www.bidabad.com/doc/detailed-mfs.pdf
http://www.bidabad.com/doc/detailed-jfs.pdf
http://www.bidabad.com/doc/gavahi-qarz-tarh-bi-vam.pdf
http://www.bidabad.com/doc/gavahi-qarz-tarh.ppt
http://www.bidabad.com/doc/gavahi-qarz-tarh-ba-vam.pdf
http://www.bidabad.com/doc/detailed-ifs.pdf
http://www.bidabad.com/doc/detailed-rfs.pdf
http://www.bidabad.com/doc/detailed-rst.pdf
http://www.bidabad.com/doc/detailed-bfs.pdf
http://www.bidabad.com/doc/detailed-rps.pdf


Copyright © CC-BY-NC 2019, CRIBFB | ASFBR 

 

www.cribfb.com/journal/index.php/asfbr                                 Asian Finance & Banking Review                                 Vol. 3, No. 2; 2019 
 

16 
                         
 

محمدعلی پوربهروز،  فرد، اسکندر پردل، مریم حیدری، علیرضا شفیعی، بیژن بیدآباد، آذرنگ امیراستوار، سعید عبداللهی، محمود الهیاری

1391پیشنویس الیحه قانونی بانکداری راستین، بانک ملی ایران،  . 
http://www.bidabad.com/doc/rastin-banking-bill.pdf 

فرد، اسکندر پردل، مریم حیدری، علیرضا شفیعی، محمدعلی پوربهروز،  ریبیژن بیدآباد، آذرنگ امیراستوار، سعید عبداللهی، محمود الهیا

1391نامه اجرایی بانکداری راستین، بانک ملی ایران،  پیشنویس آئین . 
http://www.bidabad.com/doc/rastin-banking-regulation.pdf 

MLDبیژن بیدآباد، طرح تفصیلی سیستم کشف پولشویی ) ریزی، بانک ملی ایران.  (، سیستم مکمل بانکداری راستین. اداره تحقیقات و برنامه

1391.  
http://www.bidabad.com/doc/detailed-mld.pdf   

پور، معصومه خالصیان طرح تفصیلی تأمین مالی  فرد، اسکندر پردل، سعید عبداللهی، شهرام مهرپویا، علی حسینی محمود الهیاریبیژن بیدآباد، 

RCFجمعی راستین ) .1393ریزی و مدیریت ریسک، بانک ملی ایران.  (. اداره کل تحقیقات،  برنامه  
http://www.bidabad.com/doc/detailed-rcf.pdf   

پور، معصومه خالصیان طرح تفصیلی تأمین مالی  فرد، اسکندر پردل، سعید عبداللهی، شهرام مهرپویا، علی حسینی بیژن بیدآباد، محمود الهیاری

RGFگروهی راستین ) .1393یران. ریزی و مدیریت ریسک، بانک ملی ا (. اداره کل تحقیقات،  برنامه  
http://www.bidabad.com/doc/detailed-rgf.pdf   

.1394بیژن بیدآباد، بانکداری راستین، جلد اول: مباحث نظری. مؤسسه نوین پژوهان،   
http://www.bidabad.com/doc/rastin-bank-1-fa.pdf 
http://pub.npdr.ir/product/%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7%D8%B1%DB%8C-

%D8%B1%D8%A7%D8%B3%D8%AA%DB%8C%D9%86-%D8%AC%D9%84%D8%AF-1/  

.1394بیژن بیدآباد، بانکداری راستین، جلد دوم: مباحث کاربردی. مؤسسه نوین پژوهان،   
http://www.bidabad.com/doc/rastin-bank-2-fa.pdf 
http://pub.npdr.ir/product/%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7%D8%B1%DB%8C-

%D8%B1%D8%A7%D8%B3%D8%AA%DB%8C%D9%86-%D8%AC%D9%84%D8%AF-2-
%D8%B3%DB%8C%D8%B3%D8%AA%D9%85-%D9%86%D9%88%DB%8C%D9%86-
%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7/  

.1394مباحث اجرایی. مؤسسه نوین پژوهان، بیژن بیدآباد، بانکداری راستین، جلد سوم:   
http://www.bidabad.com/doc/rastin-bank-3-fa.pdf 
http://pub.npdr.ir/product/%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7%D8%B1%DB%8C-

%D8%B1%D8%A7%D8%B3%D8%AA%DB%8C%D9%86-
%D8%B3%DB%8C%D8%B3%D8%AA%D9%85-%D9%86%D9%88%DB%8C%D9%86-
%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7%D8%B1%DB%8C-%D8%A7-2/ 

Persian Papers 

اقتصادي ربا در وام -بیژن بیدآباد، عبدالرضا هرسیني، تحلیل فقهي گذاري و كاستي های مصرفي و سرمایه های فقه متداول در كشف احكام شارع. 

. چاپ مجدد در مجله بانک و اقتصاد 1382ارائه شده به همایش دوساالنه اقتصاد اسالمي، پژوهشكدة اقتصاد، دانشگاه تربیت مدرس، 

؛ 34-38، صفحات: 1389: شهریور 109؛ 36-41، صفحات: 1389: مرداد 108؛ 38-42، صفحات: 1389: خرداد 106های:  شماره

.42-44، صفحات: 1389آذر  :112؛ 34-38، صفحات: 1389: آبان 111  
http://www.bidabad.com/doc/reba-fa.pdf   

ن بیژن بیدآباد، عبدالرضا هرسیني، شركت سهامي بانك غیرربوي و بازبیني ماهیت ربوي و غیرربوي عملیات بانكي متداول. مجموعه مقاالت سومی

، پژوهشكدة اقتصاد، دانشگاه تربیت 1382دي  3-4، «نظریة اقتصاد اسالمي و عملكرد اقتصاد ایران»وساالنة اقتصاد اسالمي همایش د

، تهران.193-224مدرس، صفحات   
http://www.bidabad.com/doc/sherkat-sahami-bank.pdf   
http://www.bidabad.com/doc/sherkatbank.ppt 

های شیوة حکومت اسالمی. مجموعه مقاالت هشتمین همایش دوساالنه اقتصاد اسالمی:  اقتصادی انواع بیمه و ویژگی -بیژن بیدآباد، تحلیل فقهی

، تهران.1393اردیبهشت  17و اقتصاد ایران، دانشگاه تربیت مدرس، پژوهشکده اقتصاد، اخالق در اقتصاد اسالمی   
http://www.bidabad.com/doc/bimeh.pdf  
http://www.bidabad.com/doc/bimeh.pptx    

.1389های تأمینی،  بیژن بیدآباد، تحلیل فقهی ـ اقتصادی بیمه  
http://www.bidabad.com/doc/bimeh-tamini.pdf  

. 1389بیژن بیدآباد، بیمه و نظریة زنجیرة ورشکستگی،   
http://www.bidabad.com/doc/bimeh-varshekastegi.pdf  

.1389بیژن بیدآباد، تحلیل فقهی ـ اقتصادی بیمه اجباری،   
http://www.bidabad.com/doc/bimeh-ejbari.pdf  

http://www.bidabad.com/doc/rastin-banking-bill.pdf
http://www.bidabad.com/doc/rastin-banking-regulation.pdf
http://www.bidabad.com/doc/detailed-mld.pdf
http://www.bidabad.com/doc/detailed-rcf.pdf
http://www.bidabad.com/doc/detailed-rgf.pdf
http://www.bidabad.com/doc/rastin-bank-1-fa.pdf
http://pub.npdr.ir/product/%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7%D8%B1%DB%8C-%D8%B1%D8%A7%D8%B3%D8%AA%DB%8C%D9%86-%D8%AC%D9%84%D8%AF-1/
http://pub.npdr.ir/product/%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7%D8%B1%DB%8C-%D8%B1%D8%A7%D8%B3%D8%AA%DB%8C%D9%86-%D8%AC%D9%84%D8%AF-1/
http://www.bidabad.com/doc/rastin-bank-2-fa.pdf
http://pub.npdr.ir/product/%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7%D8%B1%DB%8C-%D8%B1%D8%A7%D8%B3%D8%AA%DB%8C%D9%86-%D8%AC%D9%84%D8%AF-2-%D8%B3%DB%8C%D8%B3%D8%AA%D9%85-%D9%86%D9%88%DB%8C%D9%86-%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7/
http://pub.npdr.ir/product/%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7%D8%B1%DB%8C-%D8%B1%D8%A7%D8%B3%D8%AA%DB%8C%D9%86-%D8%AC%D9%84%D8%AF-2-%D8%B3%DB%8C%D8%B3%D8%AA%D9%85-%D9%86%D9%88%DB%8C%D9%86-%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7/
http://pub.npdr.ir/product/%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7%D8%B1%DB%8C-%D8%B1%D8%A7%D8%B3%D8%AA%DB%8C%D9%86-%D8%AC%D9%84%D8%AF-2-%D8%B3%DB%8C%D8%B3%D8%AA%D9%85-%D9%86%D9%88%DB%8C%D9%86-%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7/
http://pub.npdr.ir/product/%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7%D8%B1%DB%8C-%D8%B1%D8%A7%D8%B3%D8%AA%DB%8C%D9%86-%D8%AC%D9%84%D8%AF-2-%D8%B3%DB%8C%D8%B3%D8%AA%D9%85-%D9%86%D9%88%DB%8C%D9%86-%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7/
http://www.bidabad.com/doc/rastin-bank-3-fa.pdf
http://pub.npdr.ir/product/%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7%D8%B1%DB%8C-%D8%B1%D8%A7%D8%B3%D8%AA%DB%8C%D9%86-%D8%B3%DB%8C%D8%B3%D8%AA%D9%85-%D9%86%D9%88%DB%8C%D9%86-%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7%D8%B1%DB%8C-%D8%A7-2/
http://pub.npdr.ir/product/%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7%D8%B1%DB%8C-%D8%B1%D8%A7%D8%B3%D8%AA%DB%8C%D9%86-%D8%B3%DB%8C%D8%B3%D8%AA%D9%85-%D9%86%D9%88%DB%8C%D9%86-%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7%D8%B1%DB%8C-%D8%A7-2/
http://pub.npdr.ir/product/%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7%D8%B1%DB%8C-%D8%B1%D8%A7%D8%B3%D8%AA%DB%8C%D9%86-%D8%B3%DB%8C%D8%B3%D8%AA%D9%85-%D9%86%D9%88%DB%8C%D9%86-%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7%D8%B1%DB%8C-%D8%A7-2/
http://pub.npdr.ir/product/%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7%D8%B1%DB%8C-%D8%B1%D8%A7%D8%B3%D8%AA%DB%8C%D9%86-%D8%B3%DB%8C%D8%B3%D8%AA%D9%85-%D9%86%D9%88%DB%8C%D9%86-%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7%D8%B1%DB%8C-%D8%A7-2/
http://www.bidabad.com/doc/reba-fa.pdf
http://www.bidabad.com/doc/sherkat-sahami-bank.pdf
http://www.bidabad.com/doc/sherkatbank.ppt
http://www.bidabad.com/doc/bimeh.pdf
http://www.bidabad.com/doc/bimeh.pptx
http://www.bidabad.com/doc/bimeh-tamini.pdf
http://www.bidabad.com/doc/bimeh-varshekastegi.pdf
http://www.bidabad.com/doc/bimeh-ejbari.pdf


Copyright © CC-BY-NC 2019, CRIBFB | ASFBR 

 

www.cribfb.com/journal/index.php/asfbr                                 Asian Finance & Banking Review                                 Vol. 3, No. 2; 2019 
 

17 
                         
 

( )بانكداري اسالمي(. فصلنامة PLSمحمود الهیاري فرد، فناوري اطالعات و ارتباطات در تحقق سازوكار مشاركت در سود و زیان ) بیژن بیدآباد،

ت . چاپ مجدد در مجموعه مقاال1-37، صفحات 1384پژوهشي اقتصاد و تجارت نوین، سال اول، شمارة سوم، زمستان  -علمي

، تهران.1392بهمن  8-9کنفرانس ملی توسعه مدیریت پولی و بانکی، بانک انصار،  
http://prd.moc.gov.ir/jnec/farsi/3rd/Article2.pdf  
http://www.bidabad.com/doc/Pls_it-fa.pdf   

ALMمحمود الهیاري فرد، كارایی نسبي مدیریت دارایی و بدهي ) بیژن بیدآباد، پژوهشي اقتصاد و تجارت  -( در بانكداري اسالمي. فصلنامة علمي

.109-128، صفحات 1387نوین، سال سوم، شمارة دوازدهم، بهار   
http://www.bidabad.com/doc/alm-farsi.pdf 

(، معرفي ابزارهای مالي گواهي مشاركت و گواهي PLSمحمود الهیاري فرد، سازوكار عملیاتي بانكداري مشاركت در سود و زیان ) بیژن بیدآباد،

، بانك توسعه صادرات ایران، تهران، 1387مهر  27و صادرات، المللي. ارائه شده در دومین همایش خدمات بانكي  پذیره با كارایی بین

، تهران. 1392بهمن  8-9ایران. چاپ مجدد در مجموعه مقاالت کنفرانس ملی توسعه مدیریت پولی و بانکی، بانک انصار،  
http://www.bidabad.com/doc/PLS-Banking.pdf 
http://www.bidabad.com/doc/PLS-Banking-Export-Deveopment-Bank-2.ppt 
http://www.bidabad.com/doc/PLS-Banking-revised.pdf  
http://www.bidabad.com/doc/Rastin-Banking-4-revised.pptx  
http://www.bidabad.com/doc/pls-tamine-mali.ppt  
http://www.bidabad.com/doc/pls-3.ppt 
http://www.bidabad.com/doc/pls-mfs-jfs-instructions-93.pptx  
http://www.bidabad.com/doc/pls-novin-pajoohan.ppt   
http://www.bidabad.com/doc/pls-8-12-saat.ppt 
http://www.bidabad.com/doc/PLS-Banking.pdf   
http://www.bidabad.com/doc/PLS-Banking-Export-Deveopment-Bank-2.ppt  

. (PLS)محمد صفائي پور، چارچوب بازار الكترونیكي معامالت گواهي مشاركت/پذیره در قالب طرح مشاركت در سود و زیان  بیژن بیدآباد،

، وزارت بازرگاني، تهران.1387آذر  3-4پنجمین همایش تجارت الكترونیكي،   
http://www.bidabad.com/doc/charchoobe-bazare-electronic-pls.pdf  
http://www.ecommerce.gov.ir/EArchive/EArchiveF/Item.asp?ParentID=43&ItemID=182 

ن بیدآباد،بیژ بانكداري بدون ربا در برابر بحران  .22-27، صفحات 103، شماره 1388های اقتصادي. مجله بانك و اقتصاد، آذر   

. مجموعه مقاالت کنفرانس ملی توسعه مدیریت پولی و بانکی، بانک (PLS)محمود الهیاري فرد، حسابداري مشاركت در سود و زیان  بیژن بیدآباد،

، تهران.1392بهمن  8-9انصار،  
http://www.bidabad.com/doc/PLS-accounting-fa.pdf  

ی ها بیژن بیدآباد، تثبیت ادوار تجاری با بانکداری مشارکت در سود و زیان راستین و اقتصاد اخالق. مجموعه مقاالت همایش بررسی ابعاد و روش

، وزارت امور اقتصادی و دارایی، دانشگاه 134-167تأمین مالی در کشور با تأکید بر نقش بانک، بیمه و بازارهای سرمایه، صفحات 

، 7، دوره 1392. چاپ شده در مجله اقتصاد مالي و توسعه )علوم اقتصادي(، پاییز 1390تیر 28پیام نور و بانک ملی ایران، تهران، 

.37-72، صفحات 24شماره   
http://fa.journals.sid.ir/ViewPaper.aspx?id=252008  
http://www.bidabad.com/doc/pls-business-cycles.pdf  
http://www.bidabad.com/doc/pls-business-cycles.ppt 

المللي توسعه نظام تأمین  محمود الهیاري فرد، تأمین مالي غیرربوي مبتني بر فناوري اطالعات. مجموعه مقاالت سومین كنفرانس بین بیژن بیدآباد،

گذاري مركز مطالعات تكنولوژي دانشگاه صنعتي شریف،  ، گروه مدیریت مالي و سرمایه1389اسفند  1بهمن لغایت  30مالي در ایران. 

، تهران.1392بهمن  8-9. چاپ مجدد مجموعه مقاالت کنفرانس ملی توسعه مدیریت پولی و بانکی، بانک انصار،69-89صفحات   
 http://www.bidabad.com/doc/non-usury-finance-it-fa.pdf  
محمود الهیاري فرد، اوراق قرضه غیرربوي )ریالي و ارزي( و ابزارهای پولي بانكداري مركزي بدون ربا، مجموعه مقاالت سومین  بیژن بیدآباد،

گذاري مركز  ، گروه مدیریت مالي و سرمایه1389اسفند  1بهمن لغایت  30ن. المللي توسعه نظام تأمین مالي در ایرا كنفرانس بین

.517-540مطالعات تكنولوژي دانشگاه صنعتي شریف، صفحات   
http://www.bidabad.com/doc/Islamic-banking-bond-fa.pdf   

دآباد، نگاهي بر بانكداري مشاركت در سود و زیان )بیژن بی PLS های مشاركت مالي مضاربه ) ( و زیرسیستم MFS( و مشاركت مالي جعاله )JFS .)

.20-26، صفحات 114، شماره 1390مجله بانك و اقتصاد، مرداد   
http://www.bidabad.com/doc/negahi-bar-pls-mfs-jfs.pdf  

داری بیژن بیدآباد، بررسي فقهی و حقوقي اوراق قرضه بدون ربا، مجموعه مقاالت همایش ملی بانکداری اسالمی در تأمین مالی )با تأکید بر بانک

تهران.الحسنه مهر ایران و دانشگاه تربیت مدرس،  ، بانک قرض1390آذر  22اسالمی(،   
http://www.bidabad.com/doc/legal-analysis-of-non-usury-bonds.pdf 
http://www.bidabad.com/doc/legal-analysis-of-non-usury-bonds.ppt  

انداز  الحسنه پس بیژن بیدآباد، گواهي قرض (SQC) ،)مجموعه مقاالت همایش ملی بانکداری اسالمی در تأمین مالی )با تأکید بر بانکداری اسالمی ،

رس، تهران.الحسنه مهر ایران و دانشگاه تربیت مد ، بانک قرض1390آذر  22  

http://prd.moc.gov.ir/jnec/farsi/3rd/Article2.pdf
http://www.bidabad.com/doc/Pls_it-fa.pdf
http://www.bidabad.com/doc/alm-farsi.pdf
http://www.bidabad.com/doc/PLS-Banking.pdf
http://www.bidabad.com/doc/PLS-Banking-Export-Deveopment-Bank-2.ppt
http://www.bidabad.com/doc/PLS-Banking-revised.pdf
http://www.bidabad.com/doc/Rastin-Banking-4-revised.pptx
http://www.bidabad.com/doc/pls-tamine-mali.ppt
http://www.bidabad.com/doc/pls-3.ppt
http://www.bidabad.com/doc/pls-mfs-jfs-instructions-93.pptx
http://www.bidabad.com/doc/pls-novin-pajoohan.ppt
http://www.bidabad.com/doc/pls-8-12-saat.ppt
http://www.bidabad.com/doc/PLS-Banking.pdf
http://www.bidabad.com/doc/PLS-Banking-Export-Deveopment-Bank-2.ppt
http://www.bidabad.com/doc/charchoobe-bazare-electronic-pls.pdf
http://www.ecommerce.gov.ir/EArchive/EArchiveF/Item.asp?ParentID=43&ItemID=182
http://www.bidabad.com/doc/PLS-accounting-fa.pdf
http://fa.journals.sid.ir/ViewPaper.aspx?id=252008
http://www.bidabad.com/doc/pls-business-cycles.pdf
http://www.bidabad.com/doc/pls-business-cycles.ppt
http://www.bidabad.com/doc/non-usury-finance-it-fa.pdf
http://www.bidabad.com/doc/non-usury-finance-it-fa.pdf
http://www.bidabad.com/doc/Islamic-banking-bond-fa.pdf
http://www.bidabad.com/doc/negahi-bar-pls-mfs-jfs.pdf
http://www.bidabad.com/doc/legal-analysis-of-non-usury-bonds.pdf
http://www.bidabad.com/doc/legal-analysis-of-non-usury-bonds.ppt


Copyright © CC-BY-NC 2019, CRIBFB | ASFBR 

 

www.cribfb.com/journal/index.php/asfbr                                 Asian Finance & Banking Review                                 Vol. 3, No. 2; 2019 
 

18 
                         
 

http://www.bidabad.com/doc/gavahi-qarzulhasana-pasandaz.pdf 
http://www.bidabad.com/doc/gavahi-qarz-paper.ppt   
 

بیژن بیدآباد، جلوگیري از نوسانات و بحران .1389های اقتصادي ادواري با ابزار نوین مالي و اصالح ساختار بانكي،   
http://www.bidabad.com/doc/bohran-va-abzare-mali.pdf  

ود صفرزاده نساجي، ژینا آقابیگي، سازمان و تشكیالت بانكداري مشاركت در سود و زیان بیژن بیدآباد، مسع (PLS) .1389در بانك ملي ایران،    
http://www.bidabad.com/doc/PLS-organization.pdf  

(MFS) بیژن بیدآباد، مشاركت مالي مضاربه . در نوبت چاپ در پژوهشنامه بانک مسکن، فصلنامه علمی و کاربردی بانک مسکن.1389،   
http://www.bidabad.com/doc/mfs-paper-fa.pdf 

(JFS)بیژن بیدآباد، مشاركت مالي جعاله  -121، صفحات 1392بانک مسکن، سال دوم، شماره ششم، تابستان  ، پویش، فصلنامه علمی و کاربردی

98.  
http://www.bidabad.com/doc/jfs-paper-fa.pdf  

.1390بیژن بیدآباد، راهبرد تحول ساختار بانكي،    
http://www.bidabad.com/doc/rahborde-tahavole-bank.pdf  

.1390بیژن بیدآباد، اوراق خزانه بدون ربا )ریالي و ارزي(،   
http://www.bidabad.com/doc/interest-free-t-bond-fa.pdf  
http://www.bidabad.com/doc/interest-free-t-bond-fa.pptx 

(PLS)بیژن بیدآباد، بازاریابي تأمین مالي مشاركت در سود و زیان  راستین، پویش، فصلنامه علمی و کاربردی بانک مسکن، سال دوم، شماره  

.88-99، صفحات 1392هفتم، زمستان   
http://www.bidabad.com/doc/pls-marketing.pdf   

(IFS)بیژن بیدآباد، مشاركت مالي مقاسطه  نوبت چاپ در پژوهشنامه بانک مسکن، فصلنامه علمی و کاربردی بانک مسکن.. در 1390،   
http://www.bidabad.com/doc/ifs-paper-fa.pdf  

ی راستین، مجموعه مقاالت همایش ملی خدمات الکترونیکی تحولی های مبتنی بر فنآوری اطالعات و ارتباطات در بانکدار بیژن بیدآباد،  زیرسیستم 

. دانشگاه الزهرا، تهران.1390آبان  29-30نوین در توسعه پایدار،   
http://www.bidabad.com/doc/Rastin-Bank-IT.pdf  
http://www.bidabad.com/doc/Rastin-Bank-IT.ppt   

-40صفحات:  1390: آذر 116بیژن بیدآباد، امنیت تعامالت بانکی مبتنی بر فناوری اطالعات در بانکداری راستین، مجله بانک و اقتصاد شماره: 

37.  
http://www.bidabad.com/doc/amniyat-taamolat-banki.pdf  

.1390الحسنه،  هللا محمدي، تکافل اجتماعی راستین و بانکداری قرض بیژن بیدآباد، روح  
http://www.bidabad.com/doc/takaful-qarzulhasane.pdf  

(RFS)بیژن بیدآباد، مشارکت مالی اجاره  . در نوبت چاپ در پژوهشنامه بانک مسکن، فصلنامه علمی و کاربردی بانک مسکن.1390،   
http://www.bidabad.com/doc/rfs-paper-fa.pdf  

اد بیدآباد، شفافیت مالی، حکمرانی و افشای اطالعات بانکی در بانکداری راستین و پیشنهاد مقررات الزم برای ارتقاء آن، مجله بانک و اقتص بیژن

. چاپ مجدد در مجموعه مقاالت کنفرانس ملی توسعه مدیریت پولی و بانکی، بانک 24-34صفحات:  1390: اسفند 117شماره: 

.58-77، صفحات 1392، اسفند 2تهران. چاپ مجدد در حقوق و اقتصاد، ماهنامه علوم انسانی، شماره  ،1392بهمن  8-9انصار،  
http://www.bidabad.com/doc/shafafiyat.pdf  

.1394قاضی منابع مالی( در بانکداری راستین. تهران، بیژن بیدآباد، شفافیت مالی، حاکمیت شرکتی و افشای اطالعات مجری )مت  
http://www.bidabad.com/doc/transparency-entrepreneur-fa.pdf 

سود و زیان راستین، نگرش مدیریت عملیات و فرآیندها. مجموعه پور، اجزای سیستم یکپارچه بانکداری مشارکت در  بیژن بیدآباد، محمد صفائي

، پژوهشکده پولی و بانکی، بانک 1390اسفند  1-بهمن 30های پرداخت،  المللی بانکداری الکترونیک و نظام مقاالت اولین همایش بین

 مرکزی ایران، تهران.
http://www.bidabad.com/doc/ajza-system-rastin.pdf 
http://www.bidabad.com/doc/ajza-system-rastin.ppt  

(IWP)محمود الهیاري فرد، پروتکل برداشت بین بانکی  بیژن بیدآباد، ارائه شده در چهارمین کنفرانس فناوری اطالعات و در بانکداری راستین.  

(IKT2012)دانش  ، بابل، ایران. 1391خرداد  2-4دانشگاه صنعتی نوشیروانی بابل،    
http://www.bidabad.com/doc/iwp-paper-fa.pdf  

(RST)بیژن بیدآباد، تکافل اجتماعی راستین  . پژوهشنامه بانک مسکن، فصلنامه علمی و کاربردی بانک مسکن.1391،   
http://www.bidabad.com/doc/rst-paper-fa.pdf 

.1391در بانکداری راستین.  (MSS) بیژن بیدآباد. تبدیل دارایی به اوراق بهادار  
http://www.bidabad.com/doc/mms-paper-fa.pdf  

(BFS)بیژن بیدآباد، مشارکت مالی امانی  . پژوهشنامه بانک مسکن، فصلنامه علمی و کاربردی بانک مسکن.1391،   
http://www.bidabad.com/doc/bfs-paper-fa.pdf  

(RPS)بیژن بیدآباد، تأمین شخصی راستین  . پژوهشنامه بانک مسکن، فصلنامه علمی و کاربردی بانک مسکن.1391،   

http://www.bidabad.com/doc/gavahi-qarzulhasana-pasandaz.pdf
http://www.bidabad.com/doc/gavahi-qarz-paper.ppt
http://www.bidabad.com/doc/bohran-va-abzare-mali.pdf
http://www.bidabad.com/doc/PLS-organization.pdf
http://www.bidabad.com/doc/mfs-paper-fa.pdf
http://www.bidabad.com/doc/jfs-paper-fa.pdf
http://www.bidabad.com/doc/rahborde-tahavole-bank.pdf
http://www.bidabad.com/doc/interest-free-t-bond-fa.pdf
http://www.bidabad.com/doc/interest-free-t-bond-fa.pptx
http://www.bidabad.com/doc/pls-marketing.pdf
http://www.bidabad.com/doc/ifs-paper-fa.pdf%20%0d%0d
http://www.bidabad.com/doc/Rastin-Bank-IT.pdf
http://www.bidabad.com/doc/Rastin-Bank-IT.ppt
http://www.bidabad.com/doc/amniyat-taamolat-banki.pdf
http://www.bidabad.com/doc/takaful-qarzulhasane.pdf
http://www.bidabad.com/doc/rfs-paper-fa.pdf
http://www.bidabad.com/doc/shafafiyat.pdf
http://www.bidabad.com/doc/transparency-entrepreneur-fa.pdf
http://www.bidabad.com/doc/ajza-system-rastin.pdf
http://www.bidabad.com/doc/ajza-system-rastin.ppt
http://www.bidabad.com/doc/iwp-paper-fa.pdf
http://www.bidabad.com/doc/rst-paper-fa.pdf
http://www.bidabad.com/doc/mms-paper-fa.pdf
http://www.bidabad.com/doc/bfs-paper-fa.pdf


Copyright © CC-BY-NC 2019, CRIBFB | ASFBR 

 

www.cribfb.com/journal/index.php/asfbr                                 Asian Finance & Banking Review                                 Vol. 3, No. 2; 2019 
 

19 
                         
 

http://www.bidabad.com/doc/rps-paper-fa.pdf    

.1391بیژن بیدآباد، شرکت سهامی با سرمایه متغیر،   
http://www.bidabad.com/doc/vjsc-paper-fa.pdf  

راستین بیژن بیدآباد، نحوه جلوگیری از اسراف منابع بانکی در بانکداری  
http://www.bidabad.com/doc/esraf-bank-resource-fa.pdf 

(PLS)بیژن بیدآباد، سیستم پایه بانکداری مشارکت در سود و زیان راستین   ، پژوهشنامه بانک مسکن، فصلنامه علمی و کاربردی بانک مسکن،

.25-63، صفحات 1391سال اول، شماره چهارم، تابستان   
http://www.bidabad.com/doc/pls-base-fa.pdf   

.1391بیژن بیدآباد، شمائی از بانکداری راستین،   
http://www.bidabad.com/doc/rastin-bank-glance-fa.pdf 

بیژن بیدآباد، ویژگی .18-32، صفحات 1391، شهریور 119های کلی بانکداری راستین، مجله بانک و اقتصاد، شماره   
http://www.bidabad.com/doc/rastin-bank-general.pdf 
http://www.bidabad.com/doc/rastin-bank-general.ppt 

شفیعی. مقررات پیشنهادی اجرای مفاد فرد، مریم حیدری، علیرضا  بیژن بیدآباد، سعید عبداللهی، آذرنگ امیراستوار، اسکندر پردل، محمود الهیاری

. مجموعه مقاالت کنفرانس ملی توسعه مدیریت پولی و بانکی، 1391اسناد الزم االجرای بانک در بانکداری راستین، بانک ملی ایران، 

، تهران.1392بهمن  8-9بانک انصار،  
http://www.bidabad.com/doc/rastin-bank-ejraye-asnad.pdf  
http://www.bidabad.com/doc/rastin-bank-ejraye-asnad.pptx 

، 81، سال هشتاد و پنجم، شماره 1392در ایران، نامه اتاق بازرگانی، مهر بیژن بیدآباد، محمود اللهیاری فرد، بانکداری راستین و تحول بانکداری 

. 11-12صفحات   
https://www.bidabad.com /doc/rastin-bank-change.pdf  
https://www.noormags.ir/view/fa/articlepage/1053820  

MLDبیژن بیدآباد، سیستم کشف پولشویی )  ،)1392.  
http://www.bidabad.com/doc/mld-paper-fa.pdf    

بیژن بیدآباد، پروژه .1392ریزي بانك ملي ایران،  تحقیقات و برنامهاالجرا و مکمل بانکداری راستین برای اصالح نظام بانکی، اداره  های الزم  
http://www.bidabad.com/doc/projects-rastin-banking-fa.pdf    

.1392یاتی، بیژن بیدآباد، نظری اجمالی بر بانکداری راستین، سیستم نوین بانکداری اسالمی عمل  
http://www.bidabad.com/doc/rastin-bank-bird-eye-view-fa.pdf  

(RCM)بیژن بیدآباد، بازار گواهی راستین  .1392یران، ریزي بانك ملي ا ، سیستم مکمل بانکداری راستین، اداره تحقیقات و برنامه  
http://www.bidabad.com/doc/rastin-bank-rcm-fa.pdf 

در  دهبیژن بیدآباد، مدیریت تغییر ساختار بانکی با بانکداری راستین )مدیریت دانش در پیوند و هرس فرآیندها و آموزش استاد شاگرد(، ارائه ش

.1396اردیبهشت  20المللی اقتصاد و مدیریت، دانشگاه آزاد اسالمی، رشت، گیالن،  دهمین کنفرانس بین  
http://www.bidabad.com/doc/change-banking-fa.pdf  
http://www.bidabad.com/doc/change-banking-fa.pptx  

.1392بیژن بیدآباد، شیوه عملیاتی اوراق مبادله راستین،   
http://www.bidabad.com/doc/rsb-operations-fa.pdf 

گذار و مجری براساس قضیه اولر در بانکداری راستین، مجموعه مقاالت کنفرانس ملی توسعه مدیریت  توزیع سود مشارکت بین سپرده بیژن بیدآباد،

، تهران.1392بهمن  8-9پولی و بانکی، بانک انصار،  
http://www.bidabad.com/doc/profit-distribution-euler-fa.pdf 
http://www.bidabad.com/doc/profit-distribution-euler-fa.ppt 

الت کنفرانس ملی توسعه مدیریت پولی و بانکی، بانک بیژن بیدآباد، ابزارهای مالی مشتقه و قرضه نوین در بانکداری راستین، مجموعه مقا

، تهران.1392بهمن  8-9انصار،  
http://www.bidabad.com/doc/rastin-derivatives-fa.pdf 

.1392بیژن بیدآباد، محصوالت بیمه در بانكداري راستین،   
http://www.bidabad.com/doc/rastin-insurance-fa.pdf 

.1392بیژن بیدآباد، محمود الهیاری فرد، حسابداری مشارکت راستین،   
http://www.bidabad.com/doc/rastin-mosharekat-accounting-fa.pdf 

.1392ای، حسابرسی، بازرسی، کنترل، پایش و صیانت عملیات(،  بیژن بیدآباد، بانکداری اخالقی عملیاتی در بانکداری راستین )اخالق حرفه  
http://www.bidabad.com/doc/rastin-ethic-banking-fa.pdf 

نامه اجرائی بانکداری راستین. مجموعه مقاالت  بیژن بیدآباد، بررسی فقهی و حقوقی مقررات بانکداری بدون ربا در ایران و پیشنهاد الیحه و آئین

قوانین »ات و نظام بانکداری ایران با رویکرد اسالمی با عنوان اولین سمینار از سلسله سمینارهای تخصصی نقد و بررسی قوانین، مقرر

، موسسه نوین پژوهان و پژوهشکده پولی و بانکی بانک مرکزی.1393خرداد  28، «و مقررات مرتبط با عملیات بانکداری  
http://www.bidabad.com/doc/jurist-legal-banking-fa.pdf 

http://www.bidabad.com/doc/rps-paper-fa.pdf
http://www.bidabad.com/doc/vjsc-paper-fa.pdf
http://www.bidabad.com/doc/esraf-bank-resource-fa.pdf
http://www.bidabad.com/doc/pls-base-fa.pdf
http://www.bidabad.com/doc/rastin-bank-glance-fa.pdf%0d
http://www.bidabad.com/doc/rastin-bank-general.pdf
http://www.bidabad.com/doc/rastin-bank-general.ppt
http://www.bidabad.com/doc/rastin-bank-ejraye-asnad.pdf
http://www.bidabad.com/doc/rastin-bank-ejraye-asnad.pptx
https://www.noormags.ir/view/fa/articlepage/1053820
http://www.bidabad.com/doc/mld-paper-fa.pdf
http://www.bidabad.com/doc/projects-rastin-banking-fa.pdf
http://www.bidabad.com/doc/rastin-bank-bird-eye-view-fa.pdf
http://www.bidabad.com/doc/rastin-bank-rcm-fa.pdf
http://www.bidabad.com/doc/change-banking-fa.pdf
http://www.bidabad.com/doc/change-banking-fa.pptx
http://www.bidabad.com/doc/rsb-operations-fa.pdf
http://www.bidabad.com/doc/profit-distribution-euler-fa.pdf
http://www.bidabad.com/doc/profit-distribution-euler-fa.ppt
http://www.bidabad.com/doc/rastin-derivatives-fa.pdf
http://www.bidabad.com/doc/rastin-insurance-fa.pdf
http://www.bidabad.com/doc/rastin-mosharekat-accounting-fa.pdf
http://www.bidabad.com/doc/rastin-ethic-banking-fa.pdf
http://www.bidabad.com/doc/jurist-legal-banking-fa.pdf


Copyright © CC-BY-NC 2019, CRIBFB | ASFBR 

 

www.cribfb.com/journal/index.php/asfbr                                 Asian Finance & Banking Review                                 Vol. 3, No. 2; 2019 
 

20 
                         
 

(RCF)بیژن بیدآباد، تأمین مالی جمعی راستین  بهمن  6-7های پرداخت،  ، مجموعه مقاالت چهارمین همایش ساالنه بانکداری الکترونیک و نظام

1393.  
http://www.bidabad.com/doc/rcf-paper-fa.pdf 
http://www.bidabad.com/doc/rcf-paper-fa.pptx 

RGFبیژن بیدآباد، تأمین مالی گروهی راستین )  .)1393.  
http://www.bidabad.com/doc/rgf-paper-fa.pdf  

(SCC)بیژن بیدآباد، تهاتر تعهدات پشت سرهم  .1393در بانکداری راستین،    
http://www.bidabad.com/doc/scc-paper-fa.pdf  

(RSD)بیژن بیدآباد، سپرده مبادله راستین   ،1393.  
http://www.bidabad.com/doc/rsd-paper-fa.pdf  

(RSC)بیژن بیدآباد، کارت مبادله راستین   ،1393.  
http://www.bidabad.com/doc/rsc-paper-fa.pdf  

بیژن بیدآباد، راه حل عملیاتی رفع مشکالت بانکداری کشور، مجموعه مقاالت دومین کنفرانس ملی رویکرد بانکداری اسالمی در تحقق اقتصاد 

، اصفهان.1395بهمن  27مقاومتی، مؤسسه آموزش عالی غیرانتفاعی راغب اصفهانی،   
http://www.bidabad.com/doc/Iran-Banking-Reform-fa.pdf 
http://www.bidabad.com/doc/Iran-Banking-Reform-fa.pptx 

ین، نخستین همایش ملی بانکداری و محیط زیست، سازمان حفاظت از محیط بیژن بیدآباد، بانکداری سبز و تأمین مالی پایدار در بانکداری راست

، تهران.1395دی  19زیست و مرکز آموزش علمی و کاربردی بانک تجارت،   
http://www.bidabad.com/doc/green-rastin-banking-fa.pdf  

http://www.bidabad.com/doc/green-rastin-banking-fa.ppt 

، تهران.1395محمود الهیاری فرد، بیژن بیدآباد، حسابداری اقالم زیر خط ترازنامه در حسابداری مشارکت راستین،   
http://www.bidabad.com/doc/off-balance-rastin-accounting-fa.pdf  
English Documents 
English Books 
Bidabad, Bijan, New Operational Islamic Banking System, Volume One, Theoretical Foundations, Lap Lambert Academic 

Publishing, OmniScriptum GmbH & Co. KG, 2014, ISBN: 978-3-659-54463-7.  
http://www.amazon.com/Rastin-Banking-Operational-Theoretical-

Foundations/dp/3659544639/ref=sr_1_2?s=books&ie=UTF8&qid=1402563518&sr=1-2  
http://pub.npdr.ir/product/rastin-banking/  
Bidabad, Bijan, New Operational Islamic Banking System, Volume Two, Applicational Issues, Lap Lambert Academic 

Publishing, OmniScriptum GmbH & Co. KG, 2014, ISBN: 978-3-659-55210-6.  
http://www.amazon.com/Rastin-Banking-II-Operational-

Application/dp/3659552100/ref=sr_1_1?s=books&ie=UTF8&qid=1404643353&sr=1-1  
http://pub.npdr.ir/product/rastin-banking-volume-ii/  
Bidabad, Bijan, New Operational Islamic Banking System, Volume Three, Legal Issues, Lap Lambert Academic Publishing, 

OmniScriptum GmbH & Co. KG, 2020.  
English Papers 
Bidabad, Bijan, Economic-juristic analysis of usury in consumption and investment loans and contemporary jurisprudence 

shortages in exploring legislator commandments. Proceeding of the 2nd International Islamic Banking Conference. 
The Monash University of Malaysia. 9-10 September 2004. Reprinted in: National Interest, Journal of the Center 
for Strategic Research, Vol. 2, No. 1, winter 2006, pp. 72-90. Tehran, Iran. Republished in (revised): International 

Journal of Islamic Business & Management, 3(2), 1-15, 2019 . 
https://www.cribfb.com/journal/index.php/ijibm/article/view/275   
http://www.bidabad.com/doc/reba-en.pdf  
Bidabad, Bijan, Non-Usury Bank Corporation (NUBankCo), The Solution to Islamic banking, Proceeding of the 3rd 

International Islamic Banking and Finance Conference, The Monash University, KL, Malaysia, 16-17 November, 

2005. International Journal of Shari’ah and Corporate Governance Research, 2(1), 53-66, 2019 . 
https://www.cribfb.com/journal/index.php/ijscgr/article/view/276   
http://www.bidabad.com/doc/NUBankCo-en.pdf  
Bijan Bidabad, Mahmoud Allahyarifard. IT role in fulfillment of Profit & Loss Sharing (PLS) mechanism. Proceeding of the 

3rd International Islamic Banking and Finance Conference, The Monash University, KL, Malaysia, 16-17 November, 

2005. International Journal of Islamic Banking and Finance Research, 3(2), 44-59, 2019 . 
https://www.cribfb.com/journal/index.php/ijibfr/article/view/274    
http://www.bidabad.com/doc/english-pls-5.pdf  
http://www.bidabad.com/doc/pls-it-en.ppt  

http://www.bidabad.com/doc/rcf-paper-fa.pdf
http://www.bidabad.com/doc/rcf-paper-fa.pptx
http://www.bidabad.com/doc/rgf-paper-fa.pdf%20%0d
http://www.bidabad.com/doc/scc-paper-fa.pdf
http://www.bidabad.com/doc/rsd-paper-fa.pdf
http://www.bidabad.com/doc/rsc-paper-fa.pdf
http://www.bidabad.com/doc/Iran-Banking-Reform-fa.pdf
http://www.bidabad.com/doc/Iran-Banking-Reform-fa.pptx
http://www.bidabad.com/doc/green-rastin-banking-fa.pdf
http://www.bidabad.com/doc/green-rastin-banking-fa.pdf
http://www.bidabad.com/doc/green-rastin-banking-fa.ppt
http://www.bidabad.com/doc/off-balance-rastin-accounting-fa.pdf
http://www.bidabad.com/doc/off-balance-rastin-accounting-fa.pdf
http://www.amazon.com/Rastin-Banking-Operational-Theoretical-Foundations/dp/3659544639/ref=sr_1_2?s=books&ie=UTF8&qid=1402563518&sr=1-2
http://www.amazon.com/Rastin-Banking-Operational-Theoretical-Foundations/dp/3659544639/ref=sr_1_2?s=books&ie=UTF8&qid=1402563518&sr=1-2
http://pub.npdr.ir/product/rastin-banking/
http://www.amazon.com/Rastin-Banking-II-Operational-Application/dp/3659552100/ref=sr_1_1?s=books&ie=UTF8&qid=1404643353&sr=1-1
http://www.amazon.com/Rastin-Banking-II-Operational-Application/dp/3659552100/ref=sr_1_1?s=books&ie=UTF8&qid=1404643353&sr=1-1
http://pub.npdr.ir/product/rastin-banking-volume-ii/
https://www.cribfb.com/journal/index.php/ijibm/article/view/275
http://www.bidabad.com/doc/reba-en.pdf
https://www.cribfb.com/journal/index.php/ijscgr/article/view/276
http://www.bidabad.com/doc/NUBankCo-en.pdf
https://www.cribfb.com/journal/index.php/ijibfr/article/view/274
http://www.bidabad.com/doc/english-pls-5.pdf
http://www.bidabad.com/doc/pls-it-en.ppt


Copyright © CC-BY-NC 2019, CRIBFB | ASFBR 

 

www.cribfb.com/journal/index.php/asfbr                                 Asian Finance & Banking Review                                 Vol. 3, No. 2; 2019 
 

21 
                         
 

Bidabad, Bijan, Mahmoud Allahyarifard. Implementing IT to Fulfill Profit & Loss Sharing Mechanism. Islamic Finance News 
(IFN), Vol. 3, Issue 3, 6, February 2006, pp. 11-15.  

http://www.bidabad.com/doc/summery-pls-it-1.pdf   
 
Bidabad, Bijan; Mahmoud Allahyarifard. Assets and Liabilities Management in Islamic Banking. Proceeding of the 3rd 

International Conference on Islamic banking and Finance, Risk Management, Regulation and Supervision, Bidakara, 
Jakarta, Indonesia, 23-26 February, 2010. pp. 396-413. International Journal of Islamic Banking and Finance 
Research, 3(2), 32-43, 2019.  

https://www.cribfb.com/journal/index.php/ijibfr/article/view/272   
http://www.bidabad.com/doc/alm-english.pdf  
Bijan Bidabad. Non-Usury Banking Fits the Change Strategy: The Solution to Revive the Economy. American Economic & 

Social Review, 5(1), 49-61, 2019. 
https://www.cribfb.com/journal/index.php/aesr/article/view/283  
http://www.bidabad.com/doc/PLS-paper-en-5.pdf  
Bidabad, Bijan, Mahmoud Allahyarifard. The Executive Mechanism of Rastin Profit and Loss Sharing (PLS) Banking. 2009. 

Indian Journal of Finance and Banking, 3(1), 23-39, 2019 . 
https://www.cribfb.com/journal/index.php/ijfb/article/view/308   
http://www.bidabad.com/doc/PLS-banking-Executive-Mechanism.pdf   
http://www.bidabad.com/doc/pls-en.pptx   
Bijan Bidabad, Mahmoud Allahyarifard. IT-Based Usury-Free Financial Innovations. Proceeding of ECDC 2010, 5th 

International Conference on e-Commerce in Developing Countries: with focus on e-Banking & e-Insurance. ECDC 

2010, 15-16 September 2010. American Finance & Banking Review, 4(1), 39-49, 2019 . 
https://www.cribfb.com/journal/index.php/amfbr/article/view/289   
http://www.bidabad.com/doc/non-usury-finance-it-en.pdf   
Bidabad, Bijan, Mahmoud Allahyarifard. Usury-Free Bonds and Islamic Central Banking Monetary Instruments. 2010. 
http://www.bidabad.com/doc/Islamic-banking-bond-en.pdf  
Bijan Bidabad. Stabilizing Business Cycles by PLS Banking and Ethic Economics. 2010. International Journal of Shari’ah and 

Corporate Governance Research, 2(1), 67-82, 2019. 
https://www.cribfb.com/journal/index.php/ijscgr/article/view/284  
http://www.bidabad.com/doc/pls-business-cycles-en.pdf  
Bidabad, Bijan, Mahmoud Allahyarifard. Accounting Procedures for Profit and Loss Sharing (PLS) Banking. 2010.  
http://www.bidabad.com/doc/PLS-accounting-en.pdf  
Bidabad, Bijan, Abul Hassan, Ben Ali Mohamed Sami, Mahmoud Allahyarifard. Interest-Free Bonds and Central Banking 

Monetary Instruments. International Journal of Economics and Finance. Vol. 3, no. 3, Aug 2011, pp.234-241. 
http://www.ccsenet.org/journal/index.php/ijef/article/download/11665/8300  
Bijan Bidabad, Fluctuations and Business Cycles Prevention by New Financial Instruments and Banking Structure Reform. 

2011. International Journal of Accounting & Finance Review, 4(1), 35-50, 2019 . 
https://www.cribfb.com/journal/index.php/ijafr/article/view/282   
http://www.bidabad.com/doc/Fluctuations-and-Cycles.pdf   
Bidabad, Bijan, Mudarebah Financial Sharing (MFS). Journal of Islamic Economics, Banking and Finance, JIEBF, Volume - 10, 

Number - 1, January - April 2014, pp. 56-68. 
http://www.bidabad.com/doc/mfs-paper-en.pdf 
http://ibtra.com/pdf/journal/v10_n1_article3.pdf 
Bijan Bidabad, Joalah Financial Sharing (JFS). Journal of Islamic Economics, Banking and Finance, Volume-12, No. 1, January-

March, 2016, pp. 33-48. 
http://www.bidabad.com/doc/jfs-paper-en.pdf 
http://ibtra.com/pdf/journal/v12_n1_article2.pdf 
Bijan Bidabad, Interest-Free Treasury Bonds (IFTB), 2011. Interest-Free Treasury Bonds (IFTB). International Journal of 

Shari’ah and Corporate Governance Research, 2(2), 13-21, 2019. 
https://www.cribfb.com/journal/index.php/ijscgr/article/view/306   
http://www.bidabad.com/doc/interest-free-t-bond-en.pdf   
http://www.bidabad.com/doc/iftb-en.pptx   
Bijan Bidabad, Interest-Free Treasury Bonds (IFTB), Islamic Finance and Legal Clarifications, 2011. International Journal of 

Islamic Business & Management, 3(1), 21-29, 2019. 
http://www.bidabad.com/doc/interest-free-t-bond-feqhi-en.pdf 

http://www.bidabad.com/doc/summery-pls-it-1.pdf
https://www.cribfb.com/journal/index.php/ijibfr/article/view/272
http://www.bidabad.com/doc/alm-english.pdf
https://www.cribfb.com/journal/index.php/aesr/article/view/283
http://www.bidabad.com/doc/PLS-paper-en-5.pdf
https://www.cribfb.com/journal/index.php/ijfb/article/view/308
http://www.bidabad.com/doc/PLS-banking-Executive-Mechanism.pdf
http://www.bidabad.com/doc/pls-en.pptx
https://www.cribfb.com/journal/index.php/amfbr/article/view/289
http://www.bidabad.com/doc/non-usury-finance-it-en.pdf
http://www.bidabad.com/doc/Islamic-banking-bond-en.pdf
https://www.cribfb.com/journal/index.php/ijscgr/article/view/284
http://www.bidabad.com/doc/pls-business-cycles-en.pdf
http://www.bidabad.com/doc/PLS-accounting-en.pdf
http://www.ccsenet.org/journal/index.php/ijef/article/download/11665/8300
https://www.cribfb.com/journal/index.php/ijafr/article/view/282
http://www.bidabad.com/doc/Fluctuations-and-Cycles.pdf
http://www.bidabad.com/doc/mfs-paper-en.pdf
http://ibtra.com/pdf/journal/v10_n1_article3.pdf
http://www.bidabad.com/doc/jfs-paper-en.pdf
https://www.cribfb.com/journal/index.php/ijscgr/article/view/306
http://www.bidabad.com/doc/interest-free-t-bond-en.pdf
http://www.bidabad.com/doc/iftb-en.pptx
http://www.bidabad.com/doc/interest-free-t-bond-feqhi-en.pdf


Copyright © CC-BY-NC 2019, CRIBFB | ASFBR 

 

www.cribfb.com/journal/index.php/asfbr                                 Asian Finance & Banking Review                                 Vol. 3, No. 2; 2019 
 

22 
                         
 

https://www.cribfb.com/journal/index.php/ijibm/article/view/258/353  
Bidabad, Bijan, Abul Hassan, Ben Ali Mohamed Sami, Mahmoud Allahyarifard. Interest-Free Bonds Financial Innovation, A 

Monetary Instrument for Economy at Crisis. Journal of Economic Cooperation and Development (JECD). 32, 1, 
2011, 55-70. 

http://www.sesric.org/jecd/jecd_articles/ART10102201-2.pdf  
Bidabad, Bijan, Deposits and Loans Interest Rates Lag Structure and Business Cycles (Case Study of United States). 2011. 
http://www.bidabad.com/doc/Interest-Rates-Lags-and-Cycles.pdf  
Bidabad, Bijan, Installment Financial Sharing (IFS): A Financial Subsystem of Rastin PLS Banking. International Journal of 

Islamic Banking and Finance Research, 3(1), 28-42, 2019.  
https://www.cribfb.com/journal/index.php/ijibfr/article/view/267 
http://www.bidabad.com/doc/ifs-paper-en.pdf 
Bijan Bidabad, Abul Hassan, Does The Interest Rate Form Business Cycle?, 2011. International Journal of Accounting & 

Finance Review, 4(1), 29-34, 2019 . 
https://www.cribfb.com/journal/index.php/ijafr/article/view/281  
http://www.bidabad.com/doc/interest-rate-cycle.pdf  
Bidabad, Bijan, Rent Financial Sharing (RFS). Journal of Islamic Economics, Banking and Finance, Vol. 10 No. 2, pp.: 38-53, 

April-June 2014.. 
http://www.bidabad.com/doc/rfs-paper-en.pdf  
http://ibtra.com/pdf/journal/v10_n2_article2.pdf  
Bidabad, Bijan, Rastin Social Takaful (RST). Journal of Islamic Economics, Banking and Finance, JIEBF, Volume - 11, 

Number - 1, January - March 2015, pp.: 13-23. 
http://ibtra.com/pdf/journal/v11_n1_article1.pdf 
http://www.bidabad.com/doc/rst-paper-en.pdf  
Bijan Bidabad, Mortgage Securitization System (MSS), A Complementary System of Rastin Banking. International Journal of 

Law and Management (IJLMA), Vol. 59 Issue: 6, pp.778-783, 2017. Emerald Group Publishing Limited 
https://doi.org/10.1108/IJLMA-05-2016-0045  
http://www.bidabad.com/doc/mss-paper-en.pdf  
Bijan Bidabad, Bail Financial Sharing (BFS): A Financial Subsystem of Rastin PLS Banking. Bank Melli Iran, Tehran, Iran, 

2014. International Journal of Islamic Banking and Finance Research, 3(1), 21-27, 2019. 
https://www.cribfb.com/journal/index.php/ijibfr/article/view/266  
http://www.bidabad.com/doc/bfs-paper-en.pdf  
Bidabad, Bijan, Rastin Personal Security (RPS). Journal of Islamic Economics, Banking and Finance, JIEBF, Volume - 11, 

Number - 2, April - June 2015, pp. 47-61. 
http://ibtra.com/pdf/journal/v11_n2_article3.pdf  
http://www.bidabad.com/doc/rps-paper-en.pdf 
Bijan Bidabad, Joint Stock Company with Variable Capital (JSCVC), International Journal of Law and Management (IJLMA), 

Emerald Group Publishing Limited, Vol. 56, Iss: 4, pp.302 – 310, 2014.  
http://dx.doi.org/10.1108/IJLMA-09-2012-0031  
http://www.bidabad.com/doc/vjsc-paper-en.pdf 
Bidabad, Bijan, Rastin Profit and Loss Sharing (PLS) Base System. Journal of Islamic Economics, Banking and Finance, pp. 32-

57, Vol. 9, No. 4, Oct-Dec 2013. 
http://ibtra.com/pdf/journal/v9_n4_article2.pdf 
http://www.bidabad.com/doc/pls-base-en.pdf  
Bijan Bidabad, Money Laundering Detection System (MLD), A Complementary System of Rastin Banking, Journal of Money 

Laundering Control, Vol. 20 Issue: 4, pp. 354-366, 2017.   
https://doi.org/10.1108/JMLC-04-2016-0016  
http://www.bidabad.com/doc/mld-paper-en.pdf  
Bijan Bidabad, General Characteristics of Rastin Banking. Proceeding of the 3rd International Conference on Economics, 

Political, Law and Fiscal Sciences (EPLS '14), World Scientific and Engineering Academy and Society (WSEAS). 
Transilvania University of Brasov, Brasov, Romania, June 26-28, 2014. 

http://www.bidabad.com/doc/rastin-bank-general-en.pdf  
http://www.bidabad.com/doc/rastin-bank-general-en.ppt 
Bidabad, Bijan, A glance at Rastin Banking, 2013.  
http://www.bidabad.com/doc/rastin-bank-glance-en.pdf  

https://www.cribfb.com/journal/index.php/ijibm/article/view/258/353
http://www.sesric.org/jecd/jecd_articles/ART10102201-2.pdf
http://www.bidabad.com/doc/Interest-Rates-Lags-and-Cycles.pdf
https://www.cribfb.com/journal/index.php/ijibfr/article/view/267
http://www.bidabad.com/doc/ifs-paper-en.pdf
https://www.cribfb.com/journal/index.php/ijafr/article/view/281
http://www.bidabad.com/doc/interest-rate-cycle.pdf
http://www.bidabad.com/doc/rfs-paper-en.pdf
http://ibtra.com/pdf/journal/v10_n2_article2.pdf
http://ibtra.com/pdf/journal/v11_n1_article1.pdf
http://www.bidabad.com/doc/rst-paper-en.pdf
https://doi.org/10.1108/IJLMA-05-2016-0045
http://www.bidabad.com/doc/mss-paper-en.pdf
https://www.cribfb.com/journal/index.php/ijibfr/article/view/266
http://www.bidabad.com/doc/bfs-paper-en.pdf
http://ibtra.com/pdf/journal/v11_n2_article3.pdf
http://www.bidabad.com/doc/rps-paper-en.pdf
http://dx.doi.org/10.1108/IJLMA-09-2012-0031
http://www.bidabad.com/doc/vjsc-paper-en.pdf
http://ibtra.com/pdf/journal/v9_n4_article2.pdf
http://www.bidabad.com/doc/pls-base-en.pdf%20%0d
https://doi.org/10.1108/JMLC-04-2016-0016
http://www.bidabad.com/doc/mld-paper-en.pdf
http://www.bidabad.com/doc/rastin-bank-general-en.pdf
http://www.bidabad.com/doc/rastin-bank-general-en.ppt
http://www.bidabad.com/doc/rastin-bank-glance-en.pdf


Copyright © CC-BY-NC 2019, CRIBFB | ASFBR 

 

www.cribfb.com/journal/index.php/asfbr                                 Asian Finance & Banking Review                                 Vol. 3, No. 2; 2019 
 

23 
                         
 

Bidabad, Bijan, Rastin Banking, New Operational Islamic Banking System (A bird's eye view). Islamic Finance News (IFN), 
Vol. 10, Issue: 28, 17, July, 2013, pp. 16-18. 

http://www.bidabad.com/doc/rastin-bank-bird-eye-view-en.pdf  
Bijan Bidabad, Islamic Monetary Policy, 2013. International Journal of Islamic Banking and Finance Research, 3(2), 1-16, 

2019. 
https://www.cribfb.com/journal/index.php/ijibfr/article/view/269  

http://www.bidabad.com/doc/islamic-monetary-policy-en.pdf 
Bidabad, Bijan, Rastin Certificate Market (RCM), Complementary System of Rastin Banking, 2013. International Journal of 

Islamic Business & Management, 3(1), 35-43, 2019. 
https://www.cribfb.com/journal/index.php/ijibm/article/view/260    
http://www.bidabad.com/doc/rastin-bank-rcm-en.pdf  
Bijan Bidabad, Sovereign Wealth Fund Asset and Liability Management by Rastin Banking Financial Instruments (Rastin 

Certificates and Rastin Swap Bonds), First National Development Fund of Iran (NDFI) International Conference 
(NIC2013) - Sovereign Wealth, Asset Allocation and Risk Management, Kish Island, Persian Gulf, Iran, NIC 2013, 

27-28 October 2013. American Finance & Banking Review, 4(1), 1-16, 2019. 
https://www.cribfb.com/journal/index.php/amfbr/article/view/285   
http://www.bidabad.com/doc/swf-alm-en.pdf  
http://en.ndf.ir/international-conference/nic-2013/conference-full-paper.aspx  
Bijan Bidabad, Mahmoud Allahyarifard, Interbank Withdrawal Protocol (IWP), Complementary System of Rastin Banking 

2013. International Journal of Islamic Business & Management, 3(1), 30-34, 2019. 
https://www.cribfb.com/journal/index.php/ijibm/article/view/259   
http://www.bidabad.com/doc/iwp-paper-en.pdf 
Bijan Bidabad, Roohollah Mohammadi; Mahshid Sherafati, Social Takaful and Qard ul-Hassanah Banking Convergences (A 

Functional Approach), Journal of Applied Science and Agriculture (JASA) November issue 2013.  
http://www.bidabad.com/doc/takaful-en.pdf 
Bidabad, Bijan, Change Management of Banking System at National Level by Rastin Banking (Knowledge Management, 

Empowerment, Prune and Graft, and Apprenticeship), presented at the 10th International Conference on Economics 
and Management, Islamic Azad University, Rasht, Iran, 2017. Review of Behavioral Aspect in Organizations and 

Society, 2019, 1(1), 11. Review of Behavioral Aspect in Organizations and Society, 1(1), 57-70 . 
https://doi.org/10.32770/rbaos.vol157-70     
http://www.bidabad.com/doc/change-banking-en.pdf   
http://www.bidabad.com/doc/change-banking-en.pptx   
Bijan Bidabad (2019) Insurance Products in Rastin Profit and Loss Sharing Banking. Indian Journal of Finance and Banking, 

3(1), 40-54. 
https://www.cribfb.com/journal/index.php/ijfb/article/view/344  
http://www.bidabad.com/doc/rastin-insurance-en.pdf 
Bijan Bidabad, Abul Hassan, Dynamic Lag Structure of Deposits and Loans Interest Rates and Business Cycles Formation. 

Proceeding of the 3rd International Conference on Economics, Political, Law and Fiscal Sciences (EPLS '14), World 
Scientific and Engineering Academy and Society (WSEAS). Transilvania University of Brasov, Brasov, Romania, June 
26-28, 2014. 

http://www.bidabad.com/doc/interest-rates-cycle-en.pdf 
http://www.bidabad.com/doc/interest-rates-cycle-en.ppt  
Bijan Bidabad, Rastin Crowdfunding (RCF): A Financial Subsystem of Rastin Banking. Bank Melli Iran, Tehran, 2014. 

International Journal of Islamic Banking and Finance Research, 3(1), 13-20, 2019. 
https://www.cribfb.com/journal/index.php/ijibfr/article/view/265   
http://www.bidabad.com/doc/rcf-paper-en.pdf 
Bijan Bidabad, Rastin Group Funding (RGF): A Financial Subsystem of Rastin Banking. Bank Melli Iran, Tehran, 2014. 

International Journal of Islamic Banking and Finance Research, 3(1), 43-48, 2019. 
https://www.cribfb.com/journal/index.php/ijibfr/article/view/268   
http://www.bidabad.com/doc/rgf-paper-en.pdf 
Bijan Bidabad, Mahshid Sherafati, Bank Information Disclosure, Financial Transparency and Corporate Governance in Rastin 

Banking, International Journal of Shari’ah and Corporate Governance Research, 2(1), 1-13, 2019. 
https://www.cribfb.com/journal/index.php/ijscgr/article/view/257  
http://www.bidabad.com/doc/shafafiyat-en.pdf 

http://www.bidabad.com/doc/rastin-bank-bird-eye-view-en.pdf
https://www.cribfb.com/journal/index.php/ijibfr/article/view/269
http://www.bidabad.com/doc/islamic-monetary-policy-en.pdf
https://www.cribfb.com/journal/index.php/ijibm/article/view/260
http://www.bidabad.com/doc/rastin-bank-rcm-en.pdf
https://www.cribfb.com/journal/index.php/amfbr/article/view/285
http://www.bidabad.com/doc/swf-alm-en.pdf
http://en.ndf.ir/international-conference/nic-2013/conference-full-paper.aspx
https://www.cribfb.com/journal/index.php/ijibm/article/view/259
http://www.bidabad.com/doc/iwp-paper-en.pdf
http://www.bidabad.com/doc/takaful-en.pdf
https://doi.org/10.32770/rbaos.vol157-70
http://www.bidabad.com/doc/change-banking-en.pdf
http://www.bidabad.com/doc/change-banking-en.pptx
https://www.cribfb.com/journal/index.php/ijfb/article/view/344
http://www.bidabad.com/doc/rastin-insurance-en.pdf
http://www.bidabad.com/doc/interest-rates-cycle-en.pdf
http://www.bidabad.com/doc/interest-rates-cycle-en.ppt
https://www.cribfb.com/journal/index.php/ijibfr/article/view/265
http://www.bidabad.com/doc/rcf-paper-en.pdf
https://www.cribfb.com/journal/index.php/ijibfr/article/view/268
http://www.bidabad.com/doc/rgf-paper-en.pdf
https://www.cribfb.com/journal/index.php/ijscgr/article/view/257
http://www.bidabad.com/doc/shafafiyat-en.pdf%20%0d


Copyright © CC-BY-NC 2019, CRIBFB | ASFBR 

 

www.cribfb.com/journal/index.php/asfbr                                 Asian Finance & Banking Review                                 Vol. 3, No. 2; 2019 
 

24 
                         
 

Bijan Bidabad, Mahshid Sherafati, Financial Transparency, Governance and Public Disclosure for Entrepreneur (Financial 

Resource Receiver) in Rastin Banking System. Tehran, Iran, 2015. 
http://www.bidabad.com/doc/transparency-entrepreneur-en.pdf  
Bijan Bidabad, Azarang Amirostovar, Mahshid Sherafati, Financial Transparency, Corporate Governance and Information 

Disclosure of the Entrepreneur’s Corporation in Rastin Banking. International Journal of Law and Management 
(IJLMA), Emerald Group Publishing Limited, Vol:59, Iss:5, pp.636-651, 2017. 

https://doi.org/10.1108/IJLMA-01-2016-0003  
Bijan Bidabad, Saeid Abdollahi, Mahshid Sherafati, Rohollah Mohammadi, Proposed Regulations for Enforcement of Purports 

of Binding Banking Documents in Rastin Banking, 2015. International Journal of Small and Medium Enterprises, 

2(1), 23-49, 2019. 
https://www.cribfb.com/journal/index.php/ijsmes/article/view/321  
http://www.bidabad.com/doc/rastin-bank-ejraye-asnad-en.pdf  
Bijan Bidabad, Saeed Abdollahi, Mahshid Sherafati, Enforcement of the Purports of Binding Banking Documents in Rastin 

Banking – Part I. International Journal of Law and Management (IJLMA), Emerald Group Publishing Limited, 

Vol:59, Iss:1, pp. 52-65, 2017. 
https://doi.org/10.1108/IJLMA-07-2015-0041 
Bijan Bidabad, Saeed Abdollahi, Mahshid Sherafati, Enforcement of the Purports of Binding Banking Documents in Rastin 

Banking – Part II. International Journal of Law and Management (IJLMA), Emerald Group Publishing Limited, 

Vol:59, Iss:2, pp.178-191, 2017. 
https://doi.org/10.1108/IJLMA-10-2015-0055 
Bijan Bidabad, Mahshid Sherafati, Sustainable Financing and Anti-Squandering Measures in Rastin Banking. International 

Journal of Law and Management (IJLMA), Emerald Group Publishing Limited, Vol: 59, Issue: 6, pp. 939-949, 
2017. 

https://doi.org/10.1108/IJLMA-04-2016-0037  
http://www.bidabad.com/doc/esraf-bank-resource-en.pdf  
Bijan Bidabad, Serial Commitments Clearance (SCC) in Rastin Banking. International Journal of Law and Management 

(IJLMA), Vol. 57, Iss: 6, 2015, pp. 600-609, Emerald Group Publishing Limited.  
http://dx.doi.org/10.1108/IJLMA-02-2015-0007  
http://www.bidabad.com/doc/scc-paper-en.pdf  
Bijan Bidabad, Rastin Swap Deposit (RSD): A Financial Account of Rastin Banking. Tehran, 2015. International Journal of 

Islamic Banking and Finance Research, 3(2), 17-23, 2019. 
https://www.cribfb.com/journal/index.php/ijibfr/article/view/270    
http://www.bidabad.com/doc/rsd-paper-en.pdf    
Bijan Bidabad, Rastin Swap Card (RSC): A Financial Instrument of Rastin Banking. Tehran, 2015. International Journal of 

Islamic Banking and Finance Research, 3(2), 24-31, 2019.  
https://www.cribfb.com/journal/index.php/ijibfr/article/view/271  
http://www.bidabad.com/doc/rsc-paper-en.pdf 
Bijan Bidabad, Mahshid Sherafati, Operational Ethical Banking in Rastin Banking (Professional Ethics, Audit, Inspection, 

Control, Monitoring and Preservation). International Journal of Law and Management (IJLMA), Emerald Group 
Publishing Limited, Vol: 58, Iss: 4, 2016, pp. 416-443. 

http://dx.doi.org/10.1108/IJLMA-07-2015-0037  
http://www.bidabad.com/doc/rastin-ethic-banking-en.pdf  
Bijan, Bidabad, Mahmoud Allahyarifard, Mahshid Sherafati, (2019) Rastin Partnership Accounting, Part I General Procedure, 

Journal of Islamic Accounting and Business Research. 
http://www.bidabad.com/doc/rastin-mosharekat-accounting-en.pdf    
https://doi.org/10.1108/JIABR-04-2016-0049 
Bijan Bidabad, Abul Hassan, Dynamic Lag Structure of Deposits and Loans Interest Rates and Business Cycles Formation. 

Journal of Financial Regulation and Compliance, Vol. 25 Issue: 2, pp.114-132, 2017 . 
http://dx.doi.org/10.1108/JFRC-09-2016-0078  
Bijan Bidabad, General Regulatory Framework in Rastin Profit and Loss Sharing Banking (Part I-Operational Context). Journal 

of Business and Finance in Emerging Markets, JBFEM, [S.l.], v. 1, n. 1, p. 11-26, May 2018. ISSN 2580-5568. 
https://doi.org/10.32770/jbfem.vol111-26  
http://www.bidabad.com/doc/rastin-regulatory-en-I.pdf 

http://www.bidabad.com/doc/transparency-entrepreneur-en.pdf
https://doi.org/10.1108/IJLMA-01-2016-0003
https://www.cribfb.com/journal/index.php/ijsmes/article/view/321
http://www.bidabad.com/doc/rastin-bank-ejraye-asnad-en.pdf
https://doi.org/10.1108/IJLMA-07-2015-0041
https://doi.org/10.1108/IJLMA-10-2015-0055
https://doi.org/10.1108/IJLMA-04-2016-0037
http://www.bidabad.com/doc/esraf-bank-resource-en.pdf
http://dx.doi.org/10.1108/IJLMA-02-2015-0007
http://www.bidabad.com/doc/scc-paper-en.pdf
https://www.cribfb.com/journal/index.php/ijibfr/article/view/270
http://www.bidabad.com/doc/rsd-paper-en.pdf
https://www.cribfb.com/journal/index.php/ijibfr/article/view/271
http://www.bidabad.com/doc/rsc-paper-en.pdf%0d
http://dx.doi.org/10.1108/IJLMA-07-2015-0037
http://www.bidabad.com/doc/rastin-ethic-banking-en.pdf
http://www.bidabad.com/doc/rastin-mosharekat-accounting-en.pdf
https://doi.org/10.1108/JIABR-04-2016-0049
http://dx.doi.org/10.1108/JFRC-09-2016-0078
https://doi.org/10.32770/jbfem.vol111-26
http://www.bidabad.com/doc/rastin-regulatory-en-I.pdf


Copyright © CC-BY-NC 2019, CRIBFB | ASFBR 

 

www.cribfb.com/journal/index.php/asfbr                                 Asian Finance & Banking Review                                 Vol. 3, No. 2; 2019 
 

25 
                         
 

Bijan Bidabad, General Regulatory Framework in Rastin Profit and Loss Sharing Banking (Part II-Legal Groundwork). Journal 
of Business and Finance in Emerging Markets, JBFEM, JBFEM, [S.l.], v. 1, n. 2, p. 109-126, nov. 2018. ISSN 2580-
5568. 

https://doi.org/10.32770/jbfem.vol1109-126     
http://www.bidabad.com/doc/rastin-regulatory-en-II.pdf  
Bijan Bidabad, General Regulatory Framework in Rastin Profit and Loss Sharing Banking (Part III-Auxiliary Provisions). 

Journal of Business and Finance in Emerging Markets, JBFEM, May 2019, Vol 2, No. 1, pp. 51-65. ISSN 2580-
5568. 

https://doi.org/10.32770/jbfem.vol251-66  
http://www.bidabad.com/doc/rastin-regulatory-en-III.pdf 
 
Bijan Bidabad, Rohollah Mohammadi, Mahshid Sherafati, Organizational Design and Rules in Rastin Profit and Loss Sharing 

Banking. International Journal of Small and Medium Enterprises, 2(1), 9-22, 2019 . 
https://www.cribfb.com/journal/index.php/ijsmes/article/view/320   
http://www.bidabad.com/Organizational-structure-paper-en.pdf   
Bidabad, Bijan, Mahmoud Allahyarifard, Mahshid Sherafati. Rastin Partnership Accounting, Part I: General Procedure, Journal 

of Islamic Accounting and Business Research, 2019. 
http://www.bidabad.com/doc/rastin-partnership-accounting-I-en.pdf 
https://doi.org/10.1108/JIABR-04-2016-0049 
Bidabad, Bijan. Rastin Partnership Accounting, Part II: Mudarabah Financial Sharing (MFS). 2019. 
http://www.bidabad.com/doc/rastin-partnership-accounting-II-en.pdf 
Bidabad, Bijan. Rastin Partnership Accounting: Part III: Instalment Financial Sharing (IFS). 2019. 
http://www.bidabad.com/doc/rastin-partnership-accounting-III-en.pdf 
 
 

 
 

Copyrights  
Copyright for this article is retained by the author(s), with first publication rights granted to the journal. This is an open-access 
article distributed under the terms and conditions of the Creative Commons Attribution license 
(http://creativecommons.org/licenses/by/4.0/). 

https://doi.org/10.32770/jbfem.vol1109-126
http://www.bidabad.com/doc/rastin-regulatory-en-II.pdf
https://doi.org/10.32770/jbfem.vol251-66
http://www.bidabad.com/doc/rastin-regulatory-en-III.pdf
https://www.cribfb.com/journal/index.php/ijsmes/article/view/320
http://www.bidabad.com/Organizational-structure-paper-en.pdf
http://www.bidabad.com/doc/rastin-partnership-accounting-I-en.pdf
https://doi.org/10.1108/JIABR-04-2016-0049
http://www.bidabad.com/doc/rastin-partnership-accounting-II-en.pdf
http://www.bidabad.com/doc/rastin-partnership-accounting-III-en.pdf

