




































Copyright © CC-BY-NC 2019, BJMSR 

 

Bangladesh Journal of Multidisciplinary Scientific Research; Vol. 1, No. 2 
ISSN 2687-850X      E-ISSN 2687-8518  

July-September; 2019 
Published by Centre for Research on Islamic Banking & Finance and Business  

 

     1 

A Glance at 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 
To design an operational Islamic banking system, we tried to mix theoretical and experimental knowledge to develop Rastin 
Banking. Rastin Banking is a completely new solution to banking based on Islamic and ethical teachings with the scientific and 
technological approach. Some parts and modules of Rastin Banking have been implemented in Bank Melli Iran. The installed 
parts of the system had well-functioning and attracted depositors and investors, and since the procedures and instructions are 
well defined, the bank's staff executed its procedures easily. The results of the test system were very satisfactory and more than 
expectation. Rastin Banking is a nationwide project with lots of subtle technical points. This system is an open-source banking 
model, and all banks around the globe can easily install and use it. We wish Rastin Banking could put important steps to remove 
Riba and establish Islamic banking throughout the globe.  
 
Keywords: Rastin Banking, Rastin PLS banking, Islamic banking, Interest-free banking  
 
1. 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 not only 
to 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 in any country.  

Designing financial systems are principally complex, and when combined with ideological subjects, the 
complications increase. Usually, parts, internal and external processes, and subsystems of this kind of systems are 
facing various problems that cannot be covered easily. By increase of complexity, management of the system needs 
complex and special tools and since the subject of the system is financial issues, and pecuniary matters are beloved by 
people, by considering the most pessimistic conditions, all probable types of failures to fulfillment of obligations 
should be recognized and predicted in advance to reduce all cases of dishonest behaviors. Because of this issue, even 
well-equipped rich banks throughout the world, in spite of knowing Islamic banking advantages, have not been able 
to implement the task fully; or changed their minds and returned back to interest-based banking to escape the 
complexities of real Islamic banking and went back to prefixed interest rate banking processes, instead of profit and 
loss sharing.  

Designing true Islamic banking needs comprehensive knowledge of ideological (Fiqh, Sharia principles, 
commandments and logic), philosophic (individual rights and social justice concepts), economic (individuals, firms 
and market behaviors), financial (accounting, auditing, financial engineering), banking (project assessment and 
supervision, credit operation, transactions, investment and risk), legal (laws and regulations, contracts, legal and 
arbitration procedures), informatics (computer systems, networks, communications, programming), organization 
(pillars and institutions), management (administration, control, supervision, assessment), mathematics (applied 
mathematics, financial mathematics, mathematical modeling), financial instruments (prevailing financial papers and 
securities in financial markets), business and trade (business administration, marketing, international trade), capital 
market (capital market structure, laws and regulations), insurance (commercial, responsibility, assets, and accident 

mailto:bijan@bidabad.com


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insurances), standards (commodity and production) issues; and in addition, should be aware of the sociology and 
individual and social psychologies and their corresponding problems and many other various issues.  
Regarding the above subjects, Rastin Banking System was designed in Bank Malli Iran. The designer team of Rastin 
Banking tried to consider the processes, procedures, rules, and organization of the system comprehensively and after 
fifteen years of continuous work designed a total solution for Islamic banking which is unique and distinguished at 
international level. Rastin Banking system has all banking operations in itself. Establishment of the first profit and 
loss sharing branch (Ghoba) in Nov. 2010 clarified the defects of the system and new financial subsystems and 
complementary systems were designed and connected to Rastin Banking system because of derived operational 
feedbacks. Development of Rastin Banking came to a phase that other banks were interested in applying it to their 
own banks. Therefore, the "Compiling Committee of Operational Rules and Regulations of Rastin Banking" was 
established to compile the legal draft bills.  

Rastin Banking is new Islamic banking, which has studied the theoretical and operational difficulties of the 
banking system of the country and offer legal and operational solutions on the basis of the latest scientific and 
operational achievements. Each subsystem, instrument, innovation, and operational procedure of Rastin Banking has 
been designed to remove an especial difficulty and satisfy markets and peoples' needs.  

Rastin Banking fulfills all ethic definitions ever defined for ethic finance and even more. It holds the virtues 
of justice, charity, and generosity regarding dispositions to act in ways that benefit both the person possessing them 
and the person’s society.1 Hence, Rastin Banking benefits both the financial institution that adopts it and broader 
society. In Rastin Banking, humans are bound, from the knowledge of their duty as rational beings, to obey the 
categorical imperative to respect other rational beings.2 This is extended in Rastin Banking that everybody had 
specific duties in relation to his role and endowed ability for financial intermediation. Moreover, in Rastin Banking, 
based on utilitarianism3 that asserts the guiding principle of conduct should be the greatest happiness or benefit of 
the greatest number is observable. In this context, Rastin Banking has been developed to ensure the facilitation of 
benefit for the largest number of people, while not harmful to anyone. Rastin Banking fulfills Islamic principles of 
ethics, wherein individuals and bank are duty bound to be accountable for each and every activity conducted by them 
and to do right in the context of God's laws.4  

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, the 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 growth and development of the economy and banking of the society. 
For example: 

In order to facilitate legal activities of Rastin Banking, some improvements have been carried out on 
auxiliary Islamic contracts. To fulfill the necessary legislative needs of bank sharing activities, joint investment funds 
and facilitating social insurance activities, some new legal institutions are also defined as "Fund with variable capital". 
To distinguish profit from Riba, certain measures were also defined. 

In order to prevent squandering (Israf) 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 its activities and finance only those projects, which have observed certain considerations and 
criteria in their project proposal.  
Bank can finance projects of restoring uncultivated lands by supporting 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.  

                                                             
1 Definitions from the Oxford Dictionary 

2 Kant definition 

3 Utilitarianism approach 

4 Accounting and Auditing Organization for Islamic Financial Institutions (GSIFI) Governance Standard No. 7: Corporate 

Social Responsibility Conduct and Disclosure for Islamic Financial Institutions. 



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Bank and parties involved in Rastin Banking contracts should observe the supervisory compiled regulations 
concerning financial transparency, information disclosure, and corporate governance. All contracts with the bank are 
considered as official documents and enforceable. These contracts will be carried out by a unit of execution of 
enforceable documents in the bank. 

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 Banking is an open source system, and interested readers can access all its detailed technical texts.5  
Principles of Rastin Banking 

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.  

As a brief description, the principles and characteristics of Rastin Banking are based on the following bases 
and principles: 

Operational Principles: By elimination of Riba from banking operations, Rastin Banking forbids superficial 
application of Islamic contracts and applies them in their real form, and bank acts as an intermediate between 
depositors and those who receive finance, and bank earns income through offering capital management services and 
not through interest rates spread. By allocating yield to the money source, the owners of the assets receive their share 
of profit or loss. All activities will be carried out mechanically and transparently through the internet according to 
compiled documented regulations. While safeguarding the interests of depositors, the bank is the trustee of the 
related parties, and the entrepreneur is certain that in the case of loss will not become bankrupt because of insurance 
coverage safeguards to depositors' deposits. Assessment, supervision, and operation of projects will be based on 
specialty, responsibility, and independent decision and position of assessor and trustee. The capability and credibility 
of the entrepreneur will be measured considering his previous tax payments records. The entrepreneur is responsible 
for his prepared information in his submitted project proposal. 

Financial Principles: No bad or delayed loans will be created, and the bank will not bankrupt during the 
crisis. Because of lower involved risk, bank's capital adequacy rate decreases and bank free reserves increase; and 
regarding depository characteristic of the bank resources, the legal and precautionary reserves of banks besides central 
bank will decrease. Depositor, entrepreneur, and the bank will receive their fair share of the yields of sharing. Various 
financial instruments and banking processes satisfy different society’s needs; and by relating Rastin Certificates prices 
to real sector returns, their prices are stabilized and not only bubble prices emerge, but people with various risk tastes 
are also attracted and increase the positive interaction between return and risk. Without needing any intermediary, 
everybody can enter Rastin Certificate Market. Information transparency will make related systems such as tax and 
social security systems transparent regarding economic activists. Reliable assessment mechanisms have been defined, 
and reliable supervision background has been provided. Entrepreneur is obliged to observe information disclosure 
rules relating his project; and by supervision on his operations, corporate governance rules are applied to 
entrepreneur's company, which leads to the transparency of all information and operations related to the project and 
asymmetric information and informational rents will be prevented and by applying for insurances, risks are 
minimized. While facilitating and speeding up the operations, it prevents money laundering and strengthens auditing 
and internal control of the entrepreneur's company. Online impalpable inspective monitoring prevents bank staff 

                                                             
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breaches. By separating the accounts, the account of each project and depositor will be kept separately, and the 
credibility of bank and banking operations increase. 

Economic Principles: Rastin Banking decreases capital market deficiencies and contradictions of capital and 
money markets, and expands and strengthens the insurance sector in the economy. The increased confidence because 
of bank supervision on entrepreneur and internet accessibility to Rastin Certificate Market provide capital 
absorption and attraction capability and provides a safe competition environment for entrepreneurs, depositors, 
transactors and banks with the rivals. New financial instruments diversify financial assets, and by assigning Rastin 
Certificates to specific projects, goods or assets, paper markets are not generated. The involvement of capital in the 
project prevents quick movement of assets, which create financial crises because of the liquid flow of funds and by 
eliminating superficial paper market prevents debt-leverage based crises. Whoever is capable of conducting economic 
activity can receive financial fund or be employed in job vacancies created by entrepreneurs of the financed projects. 
Moreover, the application of various financial expertise expands related job opportunities, and all of these provisions 
improve investment, employment, production, and social welfare and restrict economic and financial fluctuations. 

Ethical Principles: Obligation to release real and precise information and documents will persuade honesty 
and personal peace, and conformity of word and practice, and application of true supervision and decrease of 
uncertainty and social and individual mental tensions. Forbidding tricks and decrease of financial corruption because 
of the designed method of assessment, supervision and monitoring systems, and removal of moral hazards potentials 
lead to put everything in its right place and remove injustice. False devour, incurring a loss to others, betray, 
gambling and lottery, unfairness, grabby, extortion, waste and squandering, and speculation, conspiracy, and bribery 
all are forbidden in Rastin Banking and will be fighting against systematically. Observing the rights of weak, 
implementing financial justice, honoring and respecting rights of people increases mutual consent and benevolence 
and prevents riba and waste debaucheries openly. 

Social Principles: Conducting activities according to pre-described procedures and rules provides the 
necessary background for regulating the right financial behaviors of people of society and obliges individual 
discipline. No discrimination, difference, or priority among those with similar characteristics is accepted in Rastin 
Banking. It teaches people to plan, forecast, and design their financial activities.  

Legal Principles: Respecting property rights and individual rights in Rastin Banking is strong. By specifying 
various aspects of obligations of contracting parties, there will be less reason for juridical settlements; and arbitration 
facilitates dispute settlement among dissident parties. Moreover, queries of online databases restrict abuses. A new 
method of execution of enforceable documents in bank loans collection of claims. 

International Principles: 7×24×365 internet accessibility to banking services throughout the world 
facilitates foreign investment absorption, which provides international mutual interests and political stability 
background. The virtues of Rastin Banking system introduce it as an operational ideal banking model at the 
international level, and development of Rastin Certificate Market at international level provides stable assets' anchor. 
Organizational Principles: Commensurate of the organization to needs, together with proper position appointment 
and promotion, and generally meritocracy including assignment of qualified persons, organizational communications, 
duties, responsibilities of personnel and effective punishment and award system are considered and defined in Rastin 
Banking. Organizational evolution, change, and stability are accompanied by standardization and documentation. 
Responsiveness of all personnel for their granted authorities prevents the appearance of harmful effects of unofficial 
organizations and political pressure. 
2. Draft of Rastin Banking Bill  
"Draft of Rastin Banking Bill" has the following chapters: 

 
Chapter 1:   Principles and definitions 
Chapter 2:   Generalities 
Chapter 3:   Contracts 
Chapter 4:   Entrepreneur 
Chapter 5:   Depositor 
Chapter 6:   Assessment and supervision 
Chapter 7:   Rastin Certificate 
Chapter 8:   Rastin Swap Bond (RSB) 



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Chapter 9:   Rastin Swap Deposit (RSD) 
Chapter 10: Rastin Swap Card (RSC) 
Chapter 11: Rastin Certificate Market (RCM) 
Chapter 12: Operation Control and Monitoring System (OCM) 
Chapter 13: Collateral Registration System (CRS)  
Chapter 14: Mortgage Securitization System (MSS) 
Chapter 15: Interbank Withdrawal Protocol (IWP) 
Chapter 16: Non-usury Scripless Security Settlement System (NSSSS) 
Chapter 17: Rastin Personal Security (RPS) 
Chapter 18: Rastin Social Takaful (RST) 
Chapter 19: Correcting consumption pattern 
Chapter 20: Wasteland reclamation 
Chapter 21: Transparency, information disclosure, and governance 
Chapter 22: Enforcement of contents of documents 
Chapter 23: Money Laundering Detection system (MLD) 
Chapter 24: Safeguarding  
Operational Bylaw of Rastin Banking 
"Operational Bylaw of Rastin Banking" has the following chapters: 
 
Section One: Rastin Profit and Loss Sharing Base System (PLS)  
Chapter 1:  Definitions and generalities 
Chapter 2:  Organization 
Chapter 3:  Professional behavior of assessor and trustee 
Chapter 4:  Project proposal 
Chapter 5:  Assessment 
Chapter 6:  Guarantees, collaterals, and contributions 
Chapter 7:  Insurance 
Chapter 8:  Preparing contract 
Chapter 9:  Supervision 
Chapter 10: Entrepreneur 
Chapter 11: Entrepreneur financial transparency 
Chapter 12: Entrepreneur information disclosure 
Chapter 13: Entrepreneur governance 
Chapter 14: Auditing 
Chapter 15: Rastin Sharing Accounting 
Chapter 16: Change in timing 
Chapter 17: Settlement 
Chapter 18: Bank’s receipts 
Chapter 19: Transform of Subscripted Certificate to Musharakah Certificate 
Chapter 20: Commodity inspection and standard 
Chapter 21: Delivery of commodity 
Chapter 22: Auxiliary financial instruments 
Chapter 23: Force majeure 
Chapter 24: Arbitration 
 
Section Two: Financial Subsystems of Rastin PLS banking 
Chapter 25: Joalah Financial Sharing (JFS)  
Chapter 26: Mudarabah Financial Sharing (MFS) 
Chapter 27: Installment Financial Sharing (IFS) 
Chapter 28: Rent Financial Sharing (RFS) 
Chapter 29: Bail Financial Sharing (BFS) 



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Chapter 30: Group Crowd Funding (GCF) 
Chapter 31: Rastin Personal Security (RPS) 
Chapter 32: Rastin Social Takaful (RST)  
Chapter 33: Sponsor Crowd Funding (SCF)  
Chapter 34: Peer to Peer Loan (PPL)  
Chapter 35: Rastin Swap Bond (RSB) 
Chapter 36: Rastin Swap Deposit (RSD) 
Chapter 37: Rastin Swap Card (RSC) 
 
Section Three: Complementary Systems of Rastin Banking 
Chapter 38: Rastin Certificate Market (RCM) 
Chapter 39: Crowd Funding System (CFS)  
Chapter 40: Operation Control and Monitoring System (OCM) 
Chapter 41: Mortgage Securitization System (MSS) 
Chapter 42: Collateral Registration System (CRS) 
Chapter 43: Serial Commitment Clearance (SCC) 
Chapter 44: Interbank Withdrawal Protocol (IWP) 
Chapter 45: Non-usury Scripless Security Settlement System (NSSSS) 
Chapter 46: Enforcement of the purports of binding bank documents 
Chapter 47: Bank's financial transparency, governance and information disclosure 
Chapter 48: Money Laundering Detection System (MLD) 
 
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 

دآباد، مبانی عرفانی اقتصاد اسالمی، پول، بانک، بیمه و مالیه از دیدگاه حکمت. پژوهشکدة پولی و بانکی، بانک مرکزی بیژن بی

.1383جمهوری اسالمی ایران،   

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و زیان راستین  در سود (PLS) .1387ریزي، بانك ملي ایران،  ، اداره تحقیقات و برنامه  
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پور، علي  پور، سید علي حسیني، اكبر شالي، محمد كاشفي، محمود الهیاري فرد، محمد صفایي داودي، بیژن حسین حیات

نعیمي، نادیا خلیلي والئي، شاكري. طرح تفصیلي مشاركت مالي مضاربه  اله زاده، مهستي كوثري، باقر عین (MFS) ،

(PLS)زیرسیستم بانكداري مشاركت در سود و زیان راستین  . 1389، بانك ملي ایران، تهران   
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پور، علي كوثري، باقر  پور، سیدعلي حسیني، اكبر شالي، محمد كاشفي، محمود الهیاري فرد، محمد صفایي بیژن حسین

نعیمي، نادیا خلیلي والئي، شاكري. طرح تفصیلي مشاركت مالي جعاله اله زاده، مجید ناصري، مهستي  عین (JFS) ،

(PLS)زیرسیستم بانكداري مشاركت در سود و زیان راستین  .1389، بانك ملي ایران، تهران   
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یژن بیدآباد، امیر عباس سیاهپوش، مهتاب میرزایی قاضی، سمیه الجبوری، زینب غالمي، امیر شریفی، امیر شمس، شهرام اکبرزاده. ب

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

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

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


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

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

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

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

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

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

، بانك ملي ایران، (PLS)، زیرسیستم بانكداري مشاركت در سود و زیان راستین (BFS)بیژن بیدآباد. طرح تفصیلي تأمین مالی امانی 

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

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

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

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

1391ان، پوربهروز، پیشنویس الیحه قانونی بانکداری راستین، بانک ملی ایر . 
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فرد، اسکندر پردل، مریم حیدری، علیرضا شفیعی، محمدعلی  بیژن بیدآباد، آذرنگ امیراستوار، سعید عبداللهی، محمود الهیاری

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

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

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

ر، معصومه خالصیان طرح تفصیلی پو فرد، اسکندر پردل، سعید عبداللهی، شهرام مهرپویا، علی حسینی بیژن بیدآباد، محمود الهیاری

RCFتأمین مالی جمعی 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  فرد، اسکندر پردل، سعید عبداللهی، شهرام مهرپویا، علی حسینی یاریبیژن بیدآباد، محمود اله

RGFتأمین مالی گروهی راستین ) .1393ریزی و مدیریت ریسک، بانک ملی ایران.  (. 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
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%D9%86%D9%88%DB%8C%D9%86-
%D8%A8%D8%A7%D9%86%DA%A9%D8%AF%D8%A7/  

.1394ین، جلد سوم: مباحث اجرایی. مؤسسه نوین پژوهان، بیژن بیدآباد، بانکداری راست  
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://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
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://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://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/


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 www.cribfb.com/journal/index.php/BJMSR       Bangladesh Journal of Multidisciplinary Scientific Research         Vol. 1, No. 2; 2019 

8 
               

Persian Papers 

اقتصادي ربا در وام -بیژن بیدآباد، عبدالرضا هرسیني، تحلیل فقهي گذاري و كاستي های مصرفي و سرمایه ف های فقه متداول در كش

. چاپ مجدد 1382احكام شارع. ارائه شده به همایش دوساالنه اقتصاد اسالمي، پژوهشكدة اقتصاد، دانشگاه تربیت مدرس، 

: 109؛ 36-41، صفحات: 1389: مرداد 108؛ 38-42، صفحات: 1389: خرداد 106های:  در مجله بانک و اقتصاد شماره

.42-44، صفحات: 1389: آذر 112؛ 34-38ت: ، صفحا1389: آبان 111؛ 34-38، صفحات: 1389شهریور   
http://www.bidabad.com/doc/reba-fa.pdf   

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

، 1382دي  3-4، «نظریة اقتصاد اسالمي و عملكرد اقتصاد ایران»سومین همایش دوساالنة اقتصاد اسالمي مقاالت 

، تهران.193-224پژوهشكدة اقتصاد، دانشگاه تربیت مدرس، 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  اقتصادی انواع بیمه و ویژگی -بیژن بیدآباد، تحلیل فقهی

، 1393اردیبهشت  17تصاد اسالمی و اقتصاد ایران، دانشگاه تربیت مدرس، پژوهشکده اقتصاد، اسالمی: اخالق در اق

 تهران.
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  

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

 . چاپ1-37، صفحات 1384پژوهشي اقتصاد و تجارت نوین، سال اول، شمارة سوم، زمستان  -اسالمي(. فصلنامة علمي

، تهران.1392بهمن  8-9مجدد در مجموعه مقاالت کنفرانس 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  -( در بانكداري اسالمي. فصلنامة علمي

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

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

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

توسعه صادرات ایران، تهران، ایران. چاپ مجدد در مجموعه مقاالت کنفرانس ملی توسعه مدیریت پولی و بانکی، بانک 

، تهران. 1392بهمن  8-9انصار،  
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  

چوب بازار الكترونیكي معامالت گواهي مشاركت/پذیره در قالب طرح مشاركت در سود و زیان محمد صفائي پور، چار بیژن بیدآباد،

(PLS) ، وزارت بازرگاني، تهران.1387آذر  3-4. پنجمین 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 

ابر بحرانبانكداري بدون ربا در بر بیژن بیدآباد، .22-27، صفحات 103، شماره 1388های اقتصادي. مجله بانك و اقتصاد، آذر   

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
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


Copyright © CC-BY-NC 2019, BJMSR 

 

 www.cribfb.com/journal/index.php/BJMSR       Bangladesh Journal of Multidisciplinary Scientific Research         Vol. 1, No. 2; 2019 

9 
               

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

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

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

، وزارت امور 134-167ر کشور با تأکید بر نقش بانک، بیمه و بازارهای سرمایه، صفحات های تأمین مالی د و روش

. چاپ شده در مجله اقتصاد مالي و توسعه 1390تیر 28اقتصادی و دارایی، دانشگاه پیام نور و بانک ملی ایران، تهران، 

.37-72، صفحات 24، شماره 7، دوره 1392)علوم اقتصادي(، پاییز   
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  محمود الهیاري فرد، تأمین مالي غیرربوي مبتني بر فناوري اطالعات. مجموعه مقاالت سومین كنفرانس بین بیژن بیدآباد،

گذاري مركز مطالعات تكنولوژي  ، گروه مدیریت مالي و سرمایه1389فند اس 1بهمن لغایت  30نظام تأمین مالي در ایران. 

. چاپ مجدد مجموعه مقاالت کنفرانس ملی توسعه مدیریت پولی و بانکی، بانک 69-89دانشگاه صنعتي شریف، صفحات 

، تهران.1392بهمن  8-9انصار،  
 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  بیژن بیدآباد،

، گروه مدیریت مالي و 1389اسفند  1 بهمن لغایت 30المللي توسعه نظام تأمین مالي در ایران.  مقاالت سومین كنفرانس بین

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

بانكداري مشاركت در سود و زیان )بیژن بیدآباد، نگاهي بر  PLS های مشاركت مالي مضاربه ) ( و زیرسیستم MFS و مشاركت مالي )

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

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

الحسنه مهر ایران و دانشگاه تربیت مدرس، تهران. ، بانک قرض1390آذر  22بانکداری اسالمی(،   
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 ،

الحسنه مهر ایران و دانشگاه تربیت مدرس، تهران. ، بانک قرض1390آذر  22بانکداری اسالمی(،   
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 .1389اقتصادي ادواري با ابزار نوین مالي و اصالح ساختار بانكي،  های  
http://www.bidabad.com/doc/bohran-va-abzare-mali.pdf  

داري مشاركت در سود و زیان بیژن بیدآباد، مسعود صفرزاده نساجي، ژینا آقابیگي، سازمان و تشكیالت بانك (PLS) در بانك ملي  

.1389ایران،   
http://www.bidabad.com/doc/PLS-organization.pdf  

(MFS)بیژن بیدآباد، مشاركت مالي مضاربه  امه علمی و کاربردی بانک . در نوبت چاپ در پژوهشنامه بانک مسکن، فصلن1389، 

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

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

.98-121صفحات   
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  

.88-99فحات ، ص1392دوم، شماره هفتم، زمستان   

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
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


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10 
               

http://www.bidabad.com/doc/pls-marketing.pdf   

(IFS)بیژن بیدآباد، مشاركت مالي مقاسطه  . در نوبت چاپ در پژوهشنامه بانک مسکن، فصلنامه علمی و کاربردی بانک 1390، 

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

 
های مبتنی بر فنآوری اطالعات و ارتباطات در بانکداری راستین، مجموعه مقاالت همایش ملی خدمات  بیژن بیدآباد،  زیرسیستم 

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

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

.37-40صفحات:   
http://www.bidabad.com/doc/amniyat-taamolat-banki.pdf  

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

(RFS)بیژن بیدآباد، مشارکت مالی اجاره  پژوهشنامه بانک مسکن، فصلنامه علمی و کاربردی بانک  . در نوبت چاپ در1390، 

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

زم برای ارتقاء آن، مجله بیژن بیدآباد، شفافیت مالی، حکمرانی و افشای اطالعات بانکی در بانکداری راستین و پیشنهاد مقررات ال

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

، 2، تهران. چاپ مجدد در حقوق و اقتصاد، ماهنامه علوم انسانی، شماره 1392بهمن  8-9پولی و بانکی، بانک انصار،

.58-77، صفحات 1392اسفند   
http://www.bidabad.com/doc/shafafiyat.pdf  

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

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

، 1390اسفند  1-بهمن 30های پرداخت،  المللی بانکداری الکترونیک و نظام مجموعه مقاالت اولین همایش بینفرآیندها. 

 پژوهشکده پولی و بانکی، بانک 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، در بانکداری راستین. ارائه شده در چهارمین کنفرانس فناوری  

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

(RST)بیژن بیدآباد، تکافل اجتماعی راستین  و کاربردی بانک مسکن. . پژوهشنامه بانک مسکن، فصلنامه علمی1391،   
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  

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

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

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

.25-63، صفحات 1391بانک مسکن، سال 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/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
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


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11 
               

http://www.bidabad.com/doc/rastin-bank-general.pdf 
http://www.bidabad.com/doc/rastin-bank-general.ppt 

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

. مجموعه مقاالت کنفرانس 1391زم االجرای بانک در بانکداری راستین، بانک ملی ایران، پیشنهادی اجرای مفاد اسناد ال

، تهران.1392بهمن  8-9ملی توسعه مدیریت پولی و بانکی، بانک انصار،  
http://www.bidabad.com/doc/rastin-bank-ejraye-asnad.pdf  
http://www.bidabad.com/doc/rastin-bank-ejraye-asnad.pptx 

ل هشتاد و ، سا1392بیژن بیدآباد، محمود اللهیاری فرد، بانکداری راستین و تحول بانکداری در ایران، نامه اتاق بازرگانی، مهر 

. 11-12، صفحات 81پنجم، شماره   
https://www.bidabad.com /doc/rastin-bank-change.pdf  
https://www.noormags.ir/view/fa/articlepage/1053820  

ویی )بیژن بیدآباد، سیستم کشف پولش MLD  ،)1392.  
http://www.bidabad.com/doc/mld-paper-fa.pdf    

بیژن بیدآباد، پروژه ریزي بانك ملي  االجرا و مکمل بانکداری راستین برای اصالح نظام بانکی، اداره تحقیقات و برنامه های الزم

.1392ایران،   
http://www.bidabad.com/doc/projects-rastin-banking-fa.pdf    

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

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

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

.1396اردیبهشت  20المللی اقتصاد و مدیریت، دانشگاه آزاد اسالمی، رشت، گیالن،  نس بینارائه شده در دهمین کنفرا  
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 

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

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

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

، تهران.1392بهمن  8-9بانک انصار،  
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 

ای، حسابرسی، بازرسی، کنترل، پایش و صیانت عملیات(،  نکداری اخالقی عملیاتی در بانکداری راستین )اخالق حرفهبیژن بیدآباد، با

1392.  
http://www.bidabad.com/doc/rastin-ethic-banking-fa.pdf 

نامه اجرائی بانکداری راستین.  قهی و حقوقی مقررات بانکداری بدون ربا در ایران و پیشنهاد الیحه و آئینبیژن بیدآباد، بررسی ف
مجموعه مقاالت اولین سمینار از سلسله سمینارهای تخصصی نقد و بررسی قوانین، مقررات و نظام بانکداری ایران با 

، موسسه نوین پژوهان و 1393خرداد  28، «ت بانکداریقوانین و مقررات مرتبط با عملیا»رویکرد اسالمی با عنوان 

 پژوهشکده پولی و بانکی بانک مرکزی.
http://www.bidabad.com/doc/jurist-legal-banking-fa.pdf 

(RCF)بیژن بیدآباد، تأمین مالی جمعی راستین  های پرداخت،  عه مقاالت چهارمین همایش ساالنه بانکداری الکترونیک و نظام، مجمو

.1393بهمن  7-6  
http://www.bidabad.com/doc/rcf-paper-fa.pdf 
http://www.bidabad.com/doc/rcf-paper-fa.pptx 

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


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12 
               

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  
فرانس ملی رویکرد بانکداری اسالمی در بیژن بیدآباد، راه حل عملیاتی رفع مشکالت بانکداری کشور، مجموعه مقاالت دومین کن

، اصفهان.1395بهمن  27تحقق اقتصاد مقاومتی، 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 

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

، تهران.1395دی  19و مرکز آموزش علمی و کاربردی بانک تجارت، از محیط زیست   
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  

بیژن بیدآباد، اسراف در اقتصاد اخالق )بررسی رفتار مصرف کننده و تولید کننده(، مجموعه مقاالت همایش اصالح الگوی مصرف، 

، تهران.49-76، صفحات 1388مرداد  4موسسه مطالعات و پژوهشهای بازرگانی، وزارت بازرگانی،   
http://www.bidabad.com/doc/esraf-eghtesade-akhlagh.pdf  

.61-64، صفحات 94، شماره 1387بیژن بیدآباد، اسراف و اقتصاد اخالق، ماهنامه بانک و اقتصاد، مهر   

.1388بیژن بیدآباد، تعادل در اقتصاد اخالق،   
http://www.bidabad.com/doc/taadol-eghtesade-akhlagh.pdf  

.1388بیژن بیدآباد، شاکله اجتماع و اقتصاد اخالق،   
http://www.bidabad.com/doc/shakeleh-ejtema-eghtesade-akhlagh.pdf  

بیژن بیدآباد، تبذیر در اقتصاد اخالق و توسعه پایدار، مجموعه مقاالت همایش اصالح الگوی مصرف، موسسه مطالعات و پژوهشهای 

، تهران.377-400، صفحات 1388مرداد  4بازرگانی، وزارت بازرگانی،   
http://www.bidabad.com/doc/toseeh-payedar-eghtesade-akhlagh.pdf   

.1388بیژن بیدآباد، مبانی عرفانی روش شناسی علم،   
http://www.bidabad.com/doc/mabani-ravesh-shenasi-elm.pdf  

.59-63، صفحات 104، شماره 1388بیژن بیدآباد، پدیده جهانی گرسنگی و اسراف در غذا. مجله بانک و اقتصاد، بهمن   
http://www.bidabad.com/doc/gorosnegi/padideh-gorosnegi.pdf 

.1389بیژن بیدآباد، تعادل در اقتصاد اخالق و اقتصاد نئوکالسیک،   
http://www.bidabad.com/doc/taadol-akhlaq-neoclassic.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/  

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.bidabad.com/doc/esraf-eghtesade-akhlagh.pdf
http://www.bidabad.com/doc/taadol-eghtesade-akhlagh.pdf
http://www.bidabad.com/doc/shakeleh-ejtema-eghtesade-akhlagh.pdf
http://www.bidabad.com/doc/toseeh-payedar-eghtesade-akhlagh.pdf
http://www.bidabad.com/doc/mabani-ravesh-shenasi-elm.pdf
http://www.bidabad.com/doc/gorosnegi/padideh-gorosnegi.pdf
http://www.bidabad.com/doc/taadol-akhlaq-neoclassic.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/


Copyright © CC-BY-NC 2019, BJMSR 

 

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Bidabad, Bijan, New Operational Islamic Banking System, Volume Three, Legal Issues, Lap Lambert Academic 
Publishing, OmniScriptum GmbH & Co. KG, 2021.  

 
English Papers 

 
Bidabad, Bijan, Economic-juristic analysis of usury in consumption and investment loans and contemporary 

jurisprudence shortages in exploring legislator commandments. 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. 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  

Bidabad, Bijan, Mahmoud Allahyarifard. IT role in fulfillment of Profit & Loss Sharing (PLS) mechanism. 

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  

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. 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  

Bidabad, Bijan. 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. 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   

Bidabad, Bijan, Mahmoud Allahyarifard. IT-Based Usury-Free Financial Innovations. 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  

Bidabad, Bijan. Stabilizing Business Cycles by PLS Banking and Ethic Economics. 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. 

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
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


Copyright © CC-BY-NC 2019, BJMSR 

 

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http://www.ccsenet.org/journal/index.php/ijef/article/download/11665/8300  
Bidabad, Bijan, Fluctuations and Business Cycles Prevention by New Financial Instruments and Banking Structure 

Reform. 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 

Bidabad, Bijan, 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 

Bidabad, Bijan, 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   

Bidabad, Bijan, Interest-Free Treasury Bonds (IFTB), Islamic Finance and Legal Clarifications. International Journal 
of Islamic Business & Management, 3(1), 21-29, 2019. 
http://www.bidabad.com/doc/interest-free-t-bond-feqhi-en.pdf 
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 

Bidabad, Bijan, Abul Hassan, Does The Interest Rate Form Business Cycle?. 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  

Bidabad, Bijan, 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  

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
http://ibtra.com/pdf/journal/v12_n1_article2.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
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


Copyright © CC-BY-NC 2019, BJMSR 

 

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Bidabad, Bijan, Bail Financial Sharing (BFS): A Financial Subsystem of Rastin PLS Banking. 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 

Bidabad, Bijan, 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  

Bidabad, Bijan, 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  

Bidabad, Bijan, General Characteristics of Rastin Banking. Asian Finance & Banking Review, 3(2), 7-25, 2019. 
https://www.cribfb.com/journal/index.php/asfbr/article/view/351  
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, 2019.  
http://www.bidabad.com/doc/rastin-bank-glance-en.pdf  

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  
Bidabad, Bijan, Islamic Monetary Policy. 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. 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  

Bidabad, Bijan, Sovereign Wealth Fund Asset and Liability Management by Rastin Banking Financial Instruments 

(Rastin Certificates and Rastin Swap Bonds), 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  

Bidabad, Bijan, Mahmoud Allahyarifard, Interbank Withdrawal Protocol (IWP), Complementary System of Rastin 

Banking. 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 

Bidabad, Bijan, 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 

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
https://www.cribfb.com/journal/index.php/asfbr/article/view/351
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
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


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Bidabad, Bijan, Change Management of Banking System at National Level by Rastin Banking (Knowledge 
Management, Empowerment, Prune and Graft, and Apprenticeship), Review of Behavioral Aspect in 
Organizations and Society, 2019, 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   

Bidabad, Bijan, Insurance Products in Rastin Profit and Loss Sharing Banking. Indian Journal of Finance and 
Banking, 3(1), 40-54, 2019. 
https://www.cribfb.com/journal/index.php/ijfb/article/view/344  
http://www.bidabad.com/doc/rastin-insurance-en.pdf 

Bidabad, Bijan, 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  

Bidabad, Bijan, Rastin Crowdfunding (RCF): A Financial Subsystem of Rastin Banking. 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 

Bidabad, Bijan, Rastin Group Funding (RGF): A Financial Subsystem of Rastin Banking. 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 
Bidabad, Bijan, 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 

Bidabad, Bijan, 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  

Bidabad, Bijan, 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  

Bidabad, Bijan, Saeid Abdollahi, Mahshid Sherafati, Rohollah Mohammadi, Proposed Regulations for Enforcement 
of Purports of Binding Banking Documents in Rastin Banking. 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  

Bidabad, Bijan, 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 

Bidabad, Bijan, 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 

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
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


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Bidabad, Bijan, 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  

Bidabad, Bijan, 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  

Bidabad, Bijan, Rastin Swap Deposit (RSD): A Financial Account of Rastin Banking. 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    

Bidabad, Bijan, Rastin Swap Card (RSC): A Financial Instrument of Rastin Banking. 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 

Bidabad, Bijan, 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  

Bidabad, Bijan, 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  

Bidabad, Bijan, 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 

Bidabad, Bijan, 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  

Bidabad, Bijan, 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 

Bidabad, Bijan, 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. 

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://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
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


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http://www.bidabad.com/doc/rastin-partnership-accounting-III-en.pdf 
Bijan Bidabad, Squandering in Ethic Economics: Consumer and Producer Behaviors Analysis. Squandering in Ethic 

Economics: Consumer and Producer Behaviors Analysis. International Journal of Islamic Business & 
Management, 3(2), 30-41. 2019.  
https://www.cribfb.com/journal/index.php/ijibm/article/view/279    
http://www.bidabad.com/doc/esraf-eghtesade-akhlagh-en.pdf  

 
Bijan Bidabad, Overconsumption in Ethic Economics and Sustainable Development. International Journal of 

Islamic Business & Management, 3(2), 42-51, 2019.  
https://www.cribfb.com/journal/index.php/ijibm/article/view/280  
http://www.bidabad.com/doc/toseeh-payedar-eghtesade-akhlagh-en.pdf  

Bijan Bidabad, Alarm to Global Hunger Phenomenon and Food Squandering. American International Journal of 
Social Science Research, 4(1), 31-34, 2019.  
https://www.cribfb.com/journal/index.php/aijssr/article/view/307    
http://www.bidabad.com/doc/Global-hunger-en.pdf    

Bijan Bidabad, Equilibrium in ethic economics. International Journal of Islamic Business & Management, 3(2), 16-
23. 2019. 
https://www.cribfb.com/journal/index.php/ijibm/article/view/277   
http://www.bidabad.com/doc/taadol-eghtesade-akhlagh-en.pdf  

Bijan Bidabad, Mahshid Sherafati, Disposition (Shakilah) of Society and Ethic Economics. Argos journal, 2016, pp. 
181-192. 
http://nebula.wsimg.com/8bfebcd133a5712fff5418e5367d27a0?AccessKeyId=C26FF9F9DF5628791
B69&disposition=0&alloworigin=1  
http://www.bidabad.com/doc/shakeleh-ejtema-eghtesade-akhlagh-en.pdf 

Bijan Bidabad, Ethic Economics, Fair Economy, New Economy, Sustainability and other Related Disciplines. 
International Journal of Islamic Business & Management, 3(2), 24-29, 2019.  
https://www.cribfb.com/journal/index.php/ijibm/article/view/278   
http://www.bidabad.com/doc/fair-economy-en.pdf  

 
 
 
 
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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/). 
 

http://www.bidabad.com/doc/rastin-partnership-accounting-III-en.pdf
https://www.cribfb.com/journal/index.php/ijibm/article/view/279
http://www.bidabad.com/doc/esraf-eghtesade-akhlagh-en.pdf
https://www.cribfb.com/journal/index.php/ijibm/article/view/280
http://www.bidabad.com/doc/toseeh-payedar-eghtesade-akhlagh-en.pdf
https://www.cribfb.com/journal/index.php/aijssr/article/view/307
http://www.bidabad.com/doc/Global-hunger-en.pdf
https://www.cribfb.com/journal/index.php/ijibm/article/view/277
http://www.bidabad.com/doc/taadol-eghtesade-akhlagh-en.pdf
http://nebula.wsimg.com/8bfebcd133a5712fff5418e5367d27a0?AccessKeyId=C26FF9F9DF5628791B69&disposition=0&alloworigin=1
http://nebula.wsimg.com/8bfebcd133a5712fff5418e5367d27a0?AccessKeyId=C26FF9F9DF5628791B69&disposition=0&alloworigin=1
http://www.bidabad.com/doc/shakeleh-ejtema-eghtesade-akhlagh-en.pdf
https://www.cribfb.com/journal/index.php/ijibm/article/view/278
http://www.bidabad.com/doc/fair-economy-en.pdf

