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:[email protected]
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 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 utilitarianism[3] 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.
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 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)
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)
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 Books and
Detailed Reports
بیژن
بیدآباد،
مبانی عرفانی
اقتصاد
اسلامی، پول،
بانک، بیمه و
مالیه از
دیدگاه حکمت.
پژوهشکدة پولی
و بانکی، بانک
مرکزی جمهوری
اسلامی ایران،
1383.
http://www.bidabad.com/doc/mabani-erfani-eqtesade-islami.pdf�
بیژن
بیدآباد،
ژينا
آقابيگي،
مهستي نعيمي، آذرنگ
اميراستوار،
سعيد
صالحيان،
سعيد نفيسي
زيده سرايي،
عليرضا
مهديزاده چلهبري،
بيژن حسينپور،
سعيد شيخاني،
محمود
الهياري فرد،
محمد صفاييپور،
ناديا خليلي
ولائي. طرح
تفصيلي
بانكداري
مشاركت در سود
و زيان راستین
(PLS)،
اداره
تحقيقات و
برنامهريزي،
بانك ملي
ايران، 1387.
http://www.bidabad.com/doc/detailed-pls.pdf
بیژن
بیدآباد،
ژينا
آقابيگي،
آذرنگ اميراستوار،
ابوالفضل
هزاوه،
عليرضا
شفيعي، سعيد نفيسي
زبده سرائي،
عليرضا مهديزاده،
علي حياتداودي،
بيژن حسينپور،
سيد علي
حسيني، اكبر
شالي، محمد
كاشفي، محمود
الهياري فرد،
محمد صفاييپور،
علي كوثري،
باقر عيناله
زاده، مهستي
نعيمي، ناديا
خليلي ولائي،
شاكري. طرح
تفصيلي
مشاركت مالي
مضاربه (MFS)،
زيرسيستم
بانكداري
مشاركت در سود
و زيان راستین
(PLS)،
بانك ملي
ايران، تهران
1389.
http://www.bidabad.com/doc/detailed-mfs.pdf
بیژن
بیدآباد،
آذرنگ
اميراستوار،
ابوالفضل
هزاوه،
عليرضا
شفيعي، سعيد
نفيسي زبده
سرائي،
عليرضا مهديزاده،
علي حياتداودي،
بيژن حسينپور،
سيدعلي
حسيني، اكبر
شالي، محمد
كاشفي، محمود
الهياري فرد،
محمد صفاييپور،
علي كوثري،
باقر عيناله
زاده، مجيد
ناصري، مهستي نعيمي،
ناديا خليلي
ولائي، شاكري.
طرح تفصيلي
مشاركت مالي
جعاله (JFS)،
زيرسيستم
بانكداري
مشاركت در سود
و زيان راستین
(PLS)،
بانك ملي
ايران، تهران
1389.
http://www.bidabad.com/doc/detailed-jfs.pdf
بیژن
بیدآباد،
امير عباس
سیاهپوش،
مهتاب ميرزایی
قاضی، سميه
الجبوری،
زینب غلامي،
امير شریفی،
امير شمس،
شهرام
اکبرزاده. طرح
تفصيلي گواهي
قرضالحسنه
پسانداز،
بانك قرضالحسنه
مهر ايران، 1389.
http://www.bidabad.com/doc/gavahi-qarz-tarh-bi-vam.pdf
http://www.bidabad.com/doc/gavahi-qarz-tarh.ppt
بیژن
بیدآباد،
اميرعباس
سیاهپوش،
مهتاب
ميرزایی
قاضی، سميه الجبوری،
زینب غلامي،
امير شریفی،
امير شمس، شهرام
اکبرزاده. طرح
تفصيلي گواهي
قرضالحسنه
پسانداز با
گواهي امتياز
حق وام، بانك
قرضالحسنه
مهر ايران، 1390.
http://www.bidabad.com/doc/gavahi-qarz-tarh-ba-vam.pdf
بیژن
بیدآباد، طرح
تفصيلي
مشاركت مالي
مقاسطه (IFS)،
زيرسيستم
بانكداري
مشاركت در سود
و زيان راستین
(PLS).
اداره
تحقیقات و
برنامهریزی،
بانك ملي
ايران، تهران
1390.
http://www.bidabad.com/doc/detailed-ifs.pdf�
بیژن
بیدآباد، طرح
تفصيلي
مشاركت مالي
اجاره (RFS)،
زيرسيستم
بانكداري
مشاركت در سود
و زيان راستین
(PLS).
اداره
تحقیقات و
برنامهریزی،
بانك ملي
ايران، تهران
1390.
http://www.bidabad.com/doc/detailed-rfs.pdf
بیژن
بیدآباد. طرح
تفصيلي تکافل
اجتماعی راستین
(RST)،
زيرسيستم
بانكداري
مشاركت در سود
و زيان راستین
(PLS)،
بانك ملي
ايران، تهران
1391.
http://www.bidabad.com/doc/detailed-rst.pdf
بیژن
بیدآباد. طرح
تفصيلي تأمین
مالی امانی (BFS)،
زيرسيستم
بانكداري
مشاركت در سود
و زيان راستین
(PLS)،
بانك ملي
ايران، تهران
1391.
http://www.bidabad.com/doc/detailed-bfs.pdf
بیژن
بیدآباد. طرح
تفصیلی تأمین
شخصی راستین (RPS)،
زيرسيستم
بانكداري
مشاركت در سود
و زيان راستین
(PLS)،
بانك ملي
ايران، تهران
1391.
http://www.bidabad.com/doc/detailed-rps.pdf
بیژن
بیدآباد،
آذرنگ
امیراستوار،
سعید عبداللهی،
محمود
الهیاریفرد،
اسکندر پردل،
مریم حیدری،
علیرضا شفیعی،
محمدعلی
پوربهروز،
پیشنویس
لایحه قانونی
بانکداری
راستین، بانک
ملی ایران، 1391.
http://www.bidabad.com/doc/rastin-banking-bill.pdf
بیژن
بیدآباد،
آذرنگ
امیراستوار،
سعید عبداللهی،
محمود
الهیاریفرد،
اسکندر پردل،
مریم حیدری،
علیرضا شفیعی،
محمدعلی
پوربهروز،
پیشنویس آئیننامه
اجرایی
بانکداری
راستین، بانک
ملی ایران، 1391.
http://www.bidabad.com/doc/rastin-banking-regulation.pdf
بیژن
بیدآباد، طرح
تفصیلی سیستم
کشف پولشویی (MLD)،
سیستم مکمل
بانکداری
راستین. اداره
تحقیقات و
برنامهریزی،
بانک ملی
ایران. 1391.
http://www.bidabad.com/doc/detailed-mld.pdf�
بیژن
بیدآباد،
محمود
الهیاریفرد،
اسکندر پردل،
سعید
عبداللهی،
شهرام مهرپویا،
علی حسینیپور،
معصومه
خالصیان طرح
تفصیلی تأمین
مالی جمعی
راستین (RCF).
اداره کل
تحقیقات،� برنامهریزی
و مدیریت
ریسک، بانک
ملی ایران. 1393.
http://www.bidabad.com/doc/detailed-rcf.pdf�
بیژن
بیدآباد،
محمود الهیاریفرد،
اسکندر پردل،
سعید
عبداللهی،
شهرام مهرپویا،
علی حسینیپور،
معصومه
خالصیان طرح
تفصیلی تأمین
مالی گروهی
راستین (RGF).
اداره کل
تحقیقات،� برنامهریزی
و مدیریت
ریسک، بانک
ملی ایران. 1393.
http://www.bidabad.com/doc/detailed-rgf.pdf�
بیژن
بیدآباد،
بانکداری
راستین، جلد
اول: مباحث
نظری. مؤسسه
نوین پژوهان،
1394.
http://www.bidabad.com/doc/rastin-bank-1-fa.pdf
بیژن
بیدآباد،
بانکداری
راستین، جلد
دوم: مباحث
کاربردی.
مؤسسه نوین
پژوهان، 1394.
http://www.bidabad.com/doc/rastin-bank-2-fa.pdf
بیژن
بیدآباد،
بانکداری
راستین، جلد
سوم: مباحث
اجرایی. مؤسسه
نوین پژوهان،
1394.
http://www.bidabad.com/doc/rastin-bank-3-fa.pdf
Persian Papers
بیژن
بیدآباد،
عبدالرضا
هرسيني،
تحليل فقهي-
اقتصادي ربا
در وامهای
مصرفي و
سرمايهگذاري
و كاستيهای
فقه متداول در
كشف احكام
شارع. ارائه
شده به همايش
دوسالانه اقتصاد
اسلامي،
پژوهشكدة
اقتصاد،
دانشگاه تربيت
مدرس، 1382. چاپ
مجدد در مجله
بانک و اقتصاد
شمارههای: 106:
خرداد 1389،
صفحات: 42-38؛ 108:
مرداد 1389،
صفحات: 41-36؛ 109: شهریور
1389، صفحات: 38-34؛ 111:
آبان 1389، صفحات:
38-34؛ 112: آذر 1389،
صفحات: 44-42.
http://www.bidabad.com/doc/reba-fa.pdf�
بیژن
بیدآباد،
عبدالرضا
هرسيني، شركت
سهامي بانك
غيرربوي و
بازبيني
ماهيت ربوي و
غيرربوي
عمليات بانكي
متداول.
مجموعه
مقالات سومين
همايش
دوسالانة
اقتصاد
اسلامي �نظرية
اقتصاد
اسلامي و
عملكرد
اقتصاد
ايران�، 4-3 دي 1382،
پژوهشكدة
اقتصاد،
دانشگاه
تربيت مدرس،
صفحات 224-193،
تهران.
http://www.bidabad.com/doc/sherkat-sahami-bank.pdf�
http://www.bidabad.com/doc/sherkatbank.ppt
بیژن
بیدآباد،
تحلیل فقهی-
اقتصادی
انواع بیمه و
ویژگیهای
شیوة حکومت
اسلامی.
مجموعه
مقالات هشتمین
همایش
دوسالانه
اقتصاد
اسلامی: اخلاق
در اقتصاد
اسلامی و
اقتصاد
ایران،
دانشگاه
تربیت مدرس،
پژوهشکده
اقتصاد، 17
اردیبهشت 1393،
تهران.
http://www.bidabad.com/doc/bimeh.pdf
http://www.bidabad.com/doc/bimeh.pptx ��
بیژن
بیدآباد،
تحلیل فقهی ـ
اقتصادی بیمههای
تأمینی، 1389.
http://www.bidabad.com/doc/bimeh-tamini.pdf
بیژن
بیدآباد،
بیمه و نظریة
زنجیرة
ورشکستگی، 1389.
http://www.bidabad.com/doc/bimeh-varshekastegi.pdf
بیژن
بیدآباد،
تحلیل فقهی ـ
اقتصادی بیمه
اجباری، 1389.
http://www.bidabad.com/doc/bimeh-ejbari.pdf
بیژن
بیدآباد، محمود
الهياري فرد،
فناوري
اطلاعات و
ارتباطات در
تحقق سازوكار
مشاركت در سود
و زيان (PLS)
(بانكداري
اسلامي).
فصلنامة علمي-
پژوهشي اقتصاد
و تجارت نوين،
سال اول،
شمارة سوم،
زمستان 1384،
صفحات 37-1. چاپ
مجدد در
مجموعه
مقالات
کنفرانس ملی
توسعه مدیریت
پولی و بانکی،
بانک انصار،9-8
بهمن 1392، تهران.
http://prd.moc.gov.ir/jnec/farsi/3rd/Article2.pdf
http://www.bidabad.com/doc/Pls_it-fa.pdf�
بیژن
بیدآباد، محمود
الهياري فرد،
كارایی نسبي
مديريت دارایی
و بدهي (ALM)
در بانكداري
اسلامي.
فصلنامة علمي-
پژوهشي اقتصاد
و تجارت نوين،
سال سوم،
شمارة
دوازدهم،
بهار 1387، صفحات
128-109.
http://www.bidabad.com/doc/alm-farsi.pdf
بیژن
بیدآباد، محمود
الهياري فرد،
سازوكار
عملياتي
بانكداري
مشاركت در سود
و زيان (PLS)،
معرفي
ابزارهای
مالي گواهي
مشاركت و
گواهي پذيره
با كارایی بينالمللي.
ارائه شده در
دومين همايش
خدمات بانكي و
صادرات، 27 مهر
1387، بانك توسعه
صادرات
ايران،
تهران، ايران.
چاپ مجدد در مجموعه
مقالات
کنفرانس ملی
توسعه مدیریت
پولی و بانکی،
بانک انصار،9-8
بهمن 1392، تهران.
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
بیژن
بیدآباد، محمد
صفائي پور،
چارچوب بازار
الكترونيكي
معاملات
گواهي مشاركت/پذيره
در قالب طرح
مشاركت در سود
و زيان (PLS).
پنجمين همايش
تجارت
الكترونيكي،
4-3 آذر 1387، وزارت
بازرگاني،
تهران.
http://www.bidabad.com/doc/charchoobe-bazare-electronic-pls.pdf
http://www.ecommerce.gov.ir/EArchive/EArchiveF/Item.asp?ParentID=43&ItemID=182
بیژن
بیدآباد، بانكداري
بدون ربا در
برابر بحرانهای
اقتصادي. مجله
بانك و
اقتصاد، آذر
1388، شماره 103،
صفحات 27-22.
بیژن
بیدآباد، محمود
الهياري فرد،
حسابداري
مشاركت در سود
و زيان (PLS).
مجموعه
مقالات
کنفرانس ملی
توسعه مدیریت
پولی و بانکی،
بانک انصار،9-8
بهمن 1392، تهران.
http://www.bidabad.com/doc/PLS-accounting-fa.pdf
بیژن
بیدآباد،
تثبیت ادوار
تجاری با
بانکداری
مشارکت در سود
و زیان راستین
و اقتصاد اخلاق.
مجموعه
مقالات همایش
بررسی ابعاد و
روشهای
تأمین مالی در
کشور با تأکید
بر نقش بانک،
بیمه و
بازارهای
سرمایه،
صفحات 167-134،
وزارت امور
اقتصادی و
دارایی،
دانشگاه پیام
نور و بانک
ملی ایران،
تهران، 28 تیر1390.
چاپ شده در
مجله اقتصاد
مالي و توسعه (علوم
اقتصادي)،
پاييز 1392، دوره
7، شماره 24،
صفحات 72-37.
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
بیژن
بیدآباد، محمود
الهياري فرد،
تأمین مالي
غيرربوي مبتني
بر فناوري
اطلاعات.
مجموعه
مقالات سومين
كنفرانس بينالمللي
توسعه نظام
تأمین مالي در
ايران. 30 بهمن
لغايت 1 اسفند
1389، گروه
مديريت مالي و
سرمايهگذاري
مركز مطالعات
تكنولوژي
دانشگاه صنعتي
شريف، صفحات 89-69.
چاپ مجدد
مجموعه
مقالات کنفرانس
ملی توسعه
مدیریت پولی و
بانکی، بانک
انصار،9-8 بهمن
1392، تهران.
�http://www.bidabad.com/doc/non-usury-finance-it-fa.pdf
بیژن
بیدآباد، محمود
الهياري فرد،
اوراق قرضه
غيرربوي (ريالي
و ارزي) و
ابزارهای
پولي
بانكداري
مركزي بدون
ربا، مجموعه
مقالات سومين
كنفرانس بينالمللي
توسعه نظام
تأمین مالي در
ايران. 30 بهمن
لغايت 1 اسفند
1389، گروه
مديريت مالي و
سرمايهگذاري
مركز مطالعات
تكنولوژي
دانشگاه صنعتي
شريف، صفحات
540-517.
http://www.bidabad.com/doc/Islamic-banking-bond-fa.pdf�
بیژن
بیدآباد،
نگاهي بر بانكداري
مشاركت در سود
و زيان (PLS)
و زيرسیستمهای
مشاركت مالي
مضاربه (MFS)
و مشاركت مالي
جعاله (JFS).
مجله بانك و
اقتصاد،
مرداد 1390،
شماره 114،
صفحات 26-20.
http://www.bidabad.com/doc/negahi-bar-pls-mfs-jfs.pdf
بیژن
بیدآباد،
بررسي فقهی و
حقوقي اوراق
قرضه بدون
ربا، مجموعه
مقالات همایش
ملی بانکداری
اسلامی در
تأمین مالی
(با تأکید بر
بانکداری
اسلامی)، 22 آذر
1390، بانک قرضالحسنه
مهر ایران و
دانشگاه
تربیت مدرس،
تهران.
http://www.bidabad.com/doc/legal-analysis-of-non-usury-bonds.pdf
http://www.bidabad.com/doc/legal-analysis-of-non-usury-bonds.ppt
بیژن
بیدآباد،
گواهي قرضالحسنه
پسانداز (SQC)،
مجموعه
مقالات همایش
ملی بانکداری
اسلامی در
تأمین مالی
(با تأکید بر
بانکداری
اسلامی)، 22 آذر
1390، بانک قرضالحسنه
مهر ایران و
دانشگاه
تربیت مدرس،
تهران.
http://www.bidabad.com/doc/gavahi-qarzulhasana-pasandaz.pdf
http://www.bidabad.com/doc/gavahi-qarz-paper.ppt�
بیژن
بیدآباد،
جلوگيري از
نوسانات و
بحرانهای
اقتصادي
ادواري با
ابزار نوين
مالي و اصلاح
ساختار
بانكي، 1389.
http://www.bidabad.com/doc/bohran-va-abzare-mali.pdf
بیژن
بیدآباد،
مسعود
صفرزاده
نساجي، ژينا آقابيگي،
سازمان و
تشكيلات بانكداري
مشاركت در سود
و زيان (PLS)
در بانك ملي
ايران، 1389.
http://www.bidabad.com/doc/PLS-organization.pdf
بیژن
بیدآباد،
مشاركت مالي
مضاربه (MFS)،
1389. در نوبت چاپ
در پژوهشنامه
بانک مسکن،
فصلنامه علمی
و کاربردی
بانک مسکن.
http://www.bidabad.com/doc/mfs-paper-fa.pdf
بیژن
بیدآباد،
مشاركت مالي
جعاله (JFS)،
پویش،
فصلنامه علمی
و کاربردی
بانک مسکن، سال
دوم، شماره
ششم، تابستان
1392، صفحات 121-98.
http://www.bidabad.com/doc/jfs-paper-fa.pdf
�بیژن
بیدآباد،
راهبرد تحول
ساختار بانكي،
1390.
http://www.bidabad.com/doc/rahborde-tahavole-bank.pdf
بیژن
بیدآباد،
اوراق خزانه
بدون ربا
(ريالي و ارزي)،
1390.
http://www.bidabad.com/doc/interest-free-t-bond-fa.pdf
http://www.bidabad.com/doc/interest-free-t-bond-fa.pptx
بیژن
بیدآباد،
بازاريابي
تأمین مالي
مشاركت در سود
و زيان (PLS)
راستین،
پویش،
فصلنامه علمی
و کاربردی
بانک مسکن،
سال دوم،
شماره هفتم،
زمستان 1392، صفحات
99-88.
http://www.bidabad.com/doc/pls-marketing.pdf
�
بیژن
بیدآباد،
مشاركت مالي
مقاسطه (IFS)،
1390. در نوبت چاپ
در پژوهشنامه
بانک مسکن،
فصلنامه علمی
و کاربردی
بانک مسکن.
http://www.bidabad.com/doc/ifs-paper-fa.pdf
�بیژن
بیدآباد،�
زیرسیستمهای
مبتنی بر
فنآوری
اطلاعات و
ارتباطات در بانکداری
راستین،
مجموعه
مقالات همایش
ملی خدمات
الکترونیکی
تحولی نوین در
توسعه پایدار،
30-29 آبان 1390.
دانشگاه
الزهرا،
تهران.
http://www.bidabad.com/doc/Rastin-Bank-IT.pdf
http://www.bidabad.com/doc/Rastin-Bank-IT.ppt�
بیژن بیدآباد،
امنیت
تعاملات
بانکی مبتنی
بر فناوری
اطلاعات در
بانکداری
راستین، مجله
بانک و اقتصاد
شماره: 116: آذر 1390
صفحات: 40-37.
http://www.bidabad.com/doc/amniyat-taamolat-banki.pdf
بیژن
بیدآباد، روحالله
محمدي، تکافل
اجتماعی
راستین و
بانکداری قرضالحسنه،
1390.
http://www.bidabad.com/doc/takaful-qarzulhasane.pdf
بیژن
بیدآباد،
مشارکت مالی
اجاره (RFS)،
1390. در نوبت چاپ
در پژوهشنامه
بانک مسکن،
فصلنامه علمی
و کاربردی
بانک مسکن.
http://www.bidabad.com/doc/rfs-paper-fa.pdf
بیژن
بیدآباد،
شفافیت مالی،
حکمرانی و
افشای
اطلاعات
بانکی در
بانکداری
راستین و
پیشنهاد
مقررات لازم
برای ارتقاء
آن، مجله بانک
و اقتصاد
شماره: 117: اسفند
1390 صفحات: 34-24. چاپ
مجدد در
مجموعه
مقالات کنفرانس
ملی توسعه
مدیریت پولی و
بانکی، بانک انصار،9-8
بهمن 1392، تهران.
چاپ مجدد در
حقوق و اقتصاد،
ماهنامه علوم
انسانی،
شماره 2،
اسفند 1392، صفحات
77-58.
http://www.bidabad.com/doc/shafafiyat.pdf
بیژن
بیدآباد،
شفافیت مالی،
حاکمیت شرکتی
و افشای
اطلاعات مجری
(متقاضی منابع
مالی) در بانکداری
راستین.
تهران، 1394.
http://www.bidabad.com/doc/transparency-entrepreneur-fa.pdf
بیژن
بیدآباد،
محمد صفائيپور،
اجزای سیستم
یکپارچه
بانکداری
مشارکت در سود
و زیان
راستین، نگرش
مدیریت
عملیات و فرآیندها.
مجموعه
مقالات اولین
همایش بینالمللی
بانکداری
الکترونیک و
نظامهای
پرداخت، 30
بهمن-1 اسفند 1390،
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
بیژن
بیدآباد، محمود
الهياري فرد،
پروتکل
برداشت بین
بانکی (IWP)
در بانکداری
راستین. ارائه
شده در
چهارمین کنفرانس
فناوری
اطلاعات و
دانش (IKT2012)
دانشگاه
صنعتی
نوشیروانی
بابل، 4-2 خرداد
1391، بابل،
ایران.
http://www.bidabad.com/doc/iwp-paper-fa.pdf
بیژن
بیدآباد،
تکافل
اجتماعی
راستین (RST)،
1391. پژوهشنامه
بانک مسکن،
فصلنامه علمی
و کاربردی
بانک مسکن.
http://www.bidabad.com/doc/rst-paper-fa.pdf
بیژن
بیدآباد.
تبدیل دارایی
به اوراق
بهادار
(MSS) در
بانکداری
راستین. 1391.
http://www.bidabad.com/doc/mms-paper-fa.pdf
بیژن
بیدآباد،
مشارکت مالی
امانی (BFS)،
1391. پژوهشنامه
بانک مسکن،
فصلنامه علمی
و کاربردی
بانک مسکن.
http://www.bidabad.com/doc/bfs-paper-fa.pdf
بیژن
بیدآباد،
تأمین شخصی
راستین (RPS)،
1391. پژوهشنامه
بانک مسکن،
فصلنامه علمی
و کاربردی
بانک مسکن.
http://www.bidabad.com/doc/rps-paper-fa.pdf��
بیژن
بیدآباد،
شرکت سهامی با
سرمایه
متغیر، 1391.
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
بیژن
بیدآباد،
سیستم پایه
بانکداری
مشارکت در سود
و زیان راستین
(PLS)،
پژوهشنامه
بانک مسکن،
فصلنامه علمی
و کاربردی
بانک مسکن،
سال اول،
شماره چهارم،
تابستان 1391،
صفحات 63-25.
http://www.bidabad.com/doc/pls-base-fa.pdf�
بیژن
بیدآباد،
شمائی از
بانکداری
راستین، 1391.
http://www.bidabad.com/doc/rastin-bank-glance-fa.pdf
بیژن
بیدآباد،
ویژگیهای
کلی بانکداری
راستین، مجله
بانک و اقتصاد،
شماره 119،
شهریور 1391،
صفحات 32-18.
http://www.bidabad.com/doc/rastin-bank-general.pdf
http://www.bidabad.com/doc/rastin-bank-general.ppt
بیژن
بیدآباد،
سعید
عبداللهی،
آذرنگ امیراستوار،
اسکندر پردل،
محمود
الهیاریفرد،
مریم حیدری،
علیرضا شفیعی.
مقررات پیشنهادی
اجرای مفاد
اسناد لازم
الاجرای بانک
در بانکداری
راستین، بانک ملی
ایران، 1391.
مجموعه
مقالات
کنفرانس ملی
توسعه مدیریت
پولی و بانکی،
بانک انصار،9-8
بهمن 1392، تهران.
http://www.bidabad.com/doc/rastin-bank-ejraye-asnad.pdf
http://www.bidabad.com/doc/rastin-bank-ejraye-asnad.pptx
بیژن
بیدآباد،
محمود
اللهیاری
فرد، بانکداری
راستین و تحول
بانکداری در
ایران، نامه
اتاق
بازرگانی،
مهر 1392، سال
هشتاد و پنجم،
شماره 81،
صفحات 12-11.
https://www.bidabad.com
/doc/rastin-bank-change.pdf
https://www.noormags.ir/view/fa/articlepage/1053820
بیژن
بیدآباد،
سیستم کشف
پولشویی (MLD)،
1392.
http://www.bidabad.com/doc/mld-paper-fa.pdf��
بیژن
بیدآباد،
پروژههای
لازمالاجرا
و مکمل
بانکداری
راستین برای
اصلاح نظام
بانکی، اداره
تحقيقات و
برنامهريزي
بانك ملي
ايران، 1392.
http://www.bidabad.com/doc/projects-rastin-banking-fa.pdf��
بیژن
بیدآباد،
نظری اجمالی
بر بانکداری
راستین،
سیستم نوین
بانکداری
اسلامی
عملیاتی، 1392.
http://www.bidabad.com/doc/rastin-bank-bird-eye-view-fa.pdf
بیژن
بیدآباد،
بازار گواهی
راستین (RCM)،
سیستم مکمل
بانکداری
راستین،
اداره تحقيقات
و برنامهريزي
بانك ملي
ايران، 1392.
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)، ارائه
شده در دهمین
کنفرانس بینالمللی
اقتصاد و
مدیریت،
دانشگاه آزاد
اسلامی، رشت،
گیلان، 20
اردیبهشت 1396.
http://www.bidabad.com/doc/change-banking-fa.pdf
http://www.bidabad.com/doc/change-banking-fa.pptx
بیژن
بیدآباد،
شیوه عملیاتی
اوراق مبادله
راستین، 1392.
http://www.bidabad.com/doc/rsb-operations-fa.pdf
بیژن
بیدآباد،
توزیع سود
مشارکت بین
سپردهگذار و
مجری براساس
قضیه اولر در
بانکداری راستین،
مجموعه
مقالات
کنفرانس ملی
توسعه مدیریت
پولی و بانکی،
بانک انصار،9-8
بهمن 1392، تهران.
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
مقالات کنفرانس
ملی توسعه
مدیریت پولی و
بانکی، بانک
انصار،9-8 بهمن
1392، تهران.
http://www.bidabad.com/doc/rastin-derivatives-fa.pdf
بیژن
بیدآباد،
محصولات بيمه
در بانكداري
راستين، 1392.
http://www.bidabad.com/doc/rastin-insurance-fa.pdf
بیژن
بیدآباد،
محمود
الهیاری فرد،
حسابداری
مشارکت
راستین، 1392.
http://www.bidabad.com/doc/rastin-mosharekat-accounting-fa.pdf
بیژن
بیدآباد، بانکداری
اخلاقی
عملیاتی در
بانکداری
راستین (اخلاق
حرفهای،
حسابرسی،
بازرسی،
کنترل، پایش و
صیانت عملیات)،
1392.
http://www.bidabad.com/doc/rastin-ethic-banking-fa.pdf
بیژن
بیدآباد،
بررسی فقهی و
حقوقی مقررات
بانکداری
بدون ربا در
ایران و
پیشنهاد
لایحه و آئیننامه
اجرائی
بانکداری
راستین.
مجموعه مقالات
اولین سمینار
از سلسله
سمینارهای
تخصصی نقد و
بررسی
قوانین،
مقررات و نظام
بانکداری ایران
با رویکرد
اسلامی با
عنوان �قوانین
و مقررات
مرتبط با
عملیات
بانکداری�، 28
خرداد 1393،
موسسه نوین
پژوهان و پژوهشکده
پولی و بانکی
بانک مرکزی.
http://www.bidabad.com/doc/jurist-legal-banking-fa.pdf
بیژن
بیدآباد،
تأمین مالی
جمعی راستین (RCF)،
مجموعه
مقالات
چهارمین
همایش سالانه
بانکداری الکترونیک
و نظامهای
پرداخت، 7-6
بهمن 1393.
http://www.bidabad.com/doc/rcf-paper-fa.pdf
http://www.bidabad.com/doc/rcf-paper-fa.pptx
بیژن
بیدآباد،
تأمین مالی
گروهی راستین
(RGF).
1393.
http://www.bidabad.com/doc/rgf-paper-fa.pdf
بیژن
بیدآباد،
تهاتر تعهدات
پشت سرهم (SCC)
در بانکداری
راستین، 1393.
http://www.bidabad.com/doc/scc-paper-fa.pdf
بیژن
بیدآباد،
سپرده مبادله
راستین (RSD)،
1393.
http://www.bidabad.com/doc/rsd-paper-fa.pdf
بیژن
بیدآباد،
کارت مبادله
راستین (RSC)،
1393.
http://www.bidabad.com/doc/rsc-paper-fa.pdf
بیژن
بیدآباد، راه
حل عملیاتی
رفع مشکلات بانکداری
کشور، مجموعه
مقالات دومین
کنفرانس ملی
رویکرد
بانکداری
اسلامی در
تحقق اقتصاد
مقاومتی،
مؤسسه آموزش
عالی
غیرانتفاعی
راغب
اصفهانی، 27
بهمن 1395،
اصفهان.
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
از محیط زیست و
مرکز آموزش
علمی و
کاربردی بانک
تجارت، 19 دی 1395،
تهران.
http://www.bidabad.com/doc/green-rastin-banking-fa.pdf
http://www.bidabad.com/doc/green-rastin-banking-fa.ppt
محمود
الهیاری فرد،
بیژن
بیدآباد،
حسابداری
اقلام زیر خط
ترازنامه در
حسابداری
مشارکت راستین،
1395، تهران.
http://www.bidabad.com/doc/off-balance-rastin-accounting-fa.pdf
بیژن
بیدآباد،
اسراف در
اقتصاد اخلاق
(بررسی رفتار
مصرف کننده و
تولید کننده)،
مجموعه مقالات
همایش اصلاح
الگوی مصرف،
موسسه
مطالعات و
پژوهشهای
بازرگانی،
وزارت
بازرگانی، 4
مرداد 1388،
صفحات 76-49،
تهران.
http://www.bidabad.com/doc/esraf-eghtesade-akhlagh.pdf
بیژن
بیدآباد،
اسراف و
اقتصاد
اخلاق، ماهنامه
بانک و
اقتصاد، مهر
1387، شماره 94،
صفحات 64-61.
بیژن
بیدآباد،
تعادل در
اقتصاد
اخلاق، 1388.
http://www.bidabad.com/doc/taadol-eghtesade-akhlagh.pdf
بیژن
بیدآباد،
شاکله اجتماع
و اقتصاد
اخلاق، 1388.
http://www.bidabad.com/doc/shakeleh-ejtema-eghtesade-akhlagh.pdf
بیژن
بیدآباد،
تبذیر در
اقتصاد اخلاق
و توسعه
پایدار،
مجموعه
مقالات همایش
اصلاح الگوی مصرف،
موسسه
مطالعات و
پژوهشهای
بازرگانی، وزارت
بازرگانی، 4
مرداد 1388،
صفحات 400-377،
تهران.
http://www.bidabad.com/doc/toseeh-payedar-eghtesade-akhlagh.pdf�
بیژن
بیدآباد،
مبانی عرفانی
روش شناسی
علم، 1388.
http://www.bidabad.com/doc/mabani-ravesh-shenasi-elm.pdf
بیژن
بیدآباد،
پدیده جهانی
گرسنگی و
اسراف در غذا.
مجله بانک و
اقتصاد، بهمن
1388، شماره 104، صفحات
63-59.
http://www.bidabad.com/doc/gorosnegi/padideh-gorosnegi.pdf
بیژن
بیدآباد،
تعادل در
اقتصاد اخلاق
و اقتصاد
نئوکلاسیک، 1389.
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://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://pub.npdr.ir/product/rastin-banking-volume-ii/
Bidabad,
Bijan, New Operational Islamic Banking System, Volume Three, Legal Issues, Lap
Lambert Academic Publishing, OmniScriptum GmbH & Co. KG, 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.
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
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
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
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.
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://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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