Usury and its Sharia approaches in Islamic banking

Although "Riba" is a general concept of economic jurisprudence; But according to the working routine of big banks in the contemporary world, today it is mixed with "banking". The important position of banking services in the ruling economic system in today's world, on the one hand, the fact that its activities are mixed with usury, on the other hand, has made it necessary to discuss banking services and present Islamic-oriented plans in Islamic societies. This research with a descriptive analytical method, whose data is collected in a library method, tries to answer the question that banks in Islamic countries can use Shariah solutions to avoid usury? According to the narrated evidence (verses of hadiths) and the opinion of jurists, usury in general and loan usury in particular are forbidden. According to the findings of the research, although the common services in healthy banks are not contaminated with usury; However, taking matters such as mudarabah contract, partnership, conversion of loan into sale, salem sale, power of attorney contract, and sale of murabaha are more reliable Sharia ways to avoid usury, which are approved by traditions and orders of jurists and are recommended for Islamic banks.

کلیدواژه ها:

Riba ، loan usury ، Islamic banking ، banking services ، bank usury