Document Type : Paper

Authors

• Mohammad Sajjad Siyahkarzadeh ¹
• Mohsen Mohammadi ²

¹ PhD student in Islamic Studies and Financial Management, Imam Sadiq University

² PhD student in Public Administration, Allameh Tabatabai University

Abstract

One of the effective solutions for improving the efficiency of economy is credit scoring in banking industry. This mechanism causes fair capital distribution in society, increasing the speed, accuracy and efficiency of money circulation from suppliers to suppliants, increasing transparency ,public confidence and finally decreasing financial crimes and improving safety and welfare in the society.
This topic in Islamic banking framework is very important because of its particular nature and unique system. In this article, the authors discuss the importance and necessity of credit scoring in Islamic banking with focus on the Iranian model of Islamic banking then try to demonstrate the requirements of the issue based on Islamic ideas.
The research method of this article is analytical and presumption method. The necessity and importance of credit scoring is proved in the micro and macro levels. In the micro level, we pay attention to the bank`s role as an attorney and agent and in the macro level, we emphasis the importance of economic justice and prevention of the crisis.

Keywords

• credit scoring system
• islamic banking
• Economic Justice

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