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 Copyright © CC-BY-NC 2019, BJMSR www.cribfb.com/journal/index.php/BJMSR Bangladesh Journal of Multidisciplinary Scientific Research Vol. 1, No. 2; 2019 2 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. Copyright © CC-BY-NC 2019, BJMSR www.cribfb.com/journal/index.php/BJMSR Bangladesh Journal of Multidisciplinary Scientific Research Vol. 1, No. 2; 2019 3 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 5 http://www.bidabad.com http://www.bidabad.com/ Copyright © CC-BY-NC 2019, BJMSR www.cribfb.com/journal/index.php/BJMSR Bangladesh Journal of Multidisciplinary Scientific Research Vol. 1, No. 2; 2019 4 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) Copyright © CC-BY-NC 2019, BJMSR www.cribfb.com/journal/index.php/BJMSR Bangladesh Journal of Multidisciplinary Scientific Research Vol. 1, No. 2; 2019 5 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) Copyright © CC-BY-NC 2019, BJMSR www.cribfb.com/journal/index.php/BJMSR Bangladesh Journal of Multidisciplinary Scientific Research Vol. 1, No. 2; 2019 6 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، http://www.bidabad.com/doc/mabani-erfani-eqtesade-islami.pdf بري، 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 پور، سعید شیخاني، محمود الهیاري فرد، محمد صفایي بیژن حسین و زیان راستین در سود (PLS) .1387ریزي، بانك ملي ایران، ، اداره تحقیقات و برنامه http://www.bidabad.com/doc/detailed-pls.pdf زاده، علي بیژن بیدآباد، ژینا آقابیگي، آذرنگ امیراستوار، ابوالفضل هزاوه، علیرضا شفیعي، سعید نفیسي زبده سرائي، علیرضا مهدي 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 http://www.bidabad.com/doc/detailed-mfs.pdf داودي، زاده، علي حیات بیژن بیدآباد، آذرنگ امیراستوار، ابوالفضل هزاوه، علیرضا شفیعي، سعید نفیسي زبده سرائي، علیرضا مهدي 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 http://www.bidabad.com/doc/detailed-jfs.pdf 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 Copyright © CC-BY-NC 2019, BJMSR www.cribfb.com/journal/index.php/BJMSR Bangladesh Journal of Multidisciplinary Scientific Research Vol. 1, No. 2; 2019 7 . 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 . http://www.bidabad.com/doc/rastin-banking-bill.pdf 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 %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/ .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/ Copyright © CC-BY-NC 2019, BJMSR 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 Copyright © CC-BY-NC 2019, BJMSR www.cribfb.com/journal/index.php/BJMSR Bangladesh Journal of Multidisciplinary Scientific Research Vol. 1, No. 2; 2019 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 Copyright © CC-BY-NC 2019, BJMSR www.cribfb.com/journal/index.php/BJMSR Bangladesh Journal of Multidisciplinary Scientific Research Vol. 1, No. 2; 2019 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 Copyright © CC-BY-NC 2019, BJMSR www.cribfb.com/journal/index.php/BJMSR Bangladesh Journal of Multidisciplinary Scientific Research Vol. 1, No. 2; 2019 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 www.cribfb.com/journal/index.php/BJMSR Bangladesh Journal of Multidisciplinary Scientific Research Vol. 1, No. 2; 2019 13 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 www.cribfb.com/journal/index.php/BJMSR Bangladesh Journal of Multidisciplinary Scientific Research Vol. 1, No. 2; 2019 14 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 www.cribfb.com/journal/index.php/BJMSR Bangladesh Journal of Multidisciplinary Scientific Research Vol. 1, No. 2; 2019 15 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 Copyright © CC-BY-NC 2019, BJMSR www.cribfb.com/journal/index.php/BJMSR Bangladesh Journal of Multidisciplinary Scientific Research Vol. 1, No. 2; 2019 16 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 Copyright © CC-BY-NC 2019, BJMSR www.cribfb.com/journal/index.php/BJMSR Bangladesh Journal of Multidisciplinary Scientific Research Vol. 1, No. 2; 2019 17 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. 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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 Copyrights Copyright for this article is retained by the author(s), with first publication rights granted to the journal. 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