Imam Sadiq University "Islamic Finance Research" (IFR) 2251-8290 1 2 2012 04 20 Absorbing the Qarz Al’Hasan Deposits by Islamic Financial Instruments (Sukuk) Absorbing the Qarz Al’Hasan Deposits by Islamic Financial Instruments (Sukuk) 143 160 1526 10.30497/ifr.2012.1526 FA Abolghasem Tohidinia PhD in Economics, Imam Sadegh University Journal Article 2014 08 12 Nowadays, because of the economic circumstances of our society, on one hand many persons are eligible to borrow the Qarz Al’Hasan loan and on the other hand there are not sufficient funds to for paying to the Qarz Al’Hasan loan applicants. But the Qarz Al’Hasan Bank has been instituted to expand and promote the culture of Qarz Al’Hasan and also to answer the poor’s financial needs in the society. So, it seems necessary to find a solution for the problem of liquidity shortage in the Qarz Al’Hasan Bank. For this purpose, in this paper it is tried to show that the rigid mechanism that is used for absorbing the Qarz Al’Hasan deposits and paying Qarz Al’Hasan loans may be one reason for the problem. If so, It is tried to introduce other mechanisms -that are based on issuing the Sukuk- for solving the problem. Hence, the paper shows how the Qarz Al’Hasan Bank can solve its problem by playing the role in the components of Sukuk. Nowadays, because of the economic circumstances of our society, on one hand many persons are eligible to borrow the Qarz Al’Hasan loan and on the other hand there are not sufficient funds to for paying to the Qarz Al’Hasan loan applicants. But the Qarz Al’Hasan Bank has been instituted to expand and promote the culture of Qarz Al’Hasan and also to answer the poor’s financial needs in the society. So, it seems necessary to find a solution for the problem of liquidity shortage in the Qarz Al’Hasan Bank. For this purpose, in this paper it is tried to show that the rigid mechanism that is used for absorbing the Qarz Al’Hasan deposits and paying Qarz Al’Hasan loans may be one reason for the problem. If so, It is tried to introduce other mechanisms -that are based on issuing the Sukuk- for solving the problem. Hence, the paper shows how the Qarz Al’Hasan Bank can solve its problem by playing the role in the components of Sukuk. https://ifr.isu.ac.ir/article_1526_e60e81c4cbe5171cd654662d9887aec2.pdf