Cognition Rate about the concept of usury and theoretical framework (Case Study: a Private Bank)

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Pour golamrezaei Mohammad; Salari Yaser; Selajgeh Sanjar; Firouzabadi Amene; Mahdizadeh Farsangi Samaneh

مرکز اطلاعات علمی Scientific Information Database (SID) - Trusted Source for Research and Academic Resources

Journal Paper

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Journal: Islamic Economics Year:2022 | Volume:22 | Issue:86 Page(s): 67-86

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Title

Cognition Rate about the concept of usury and theoretical framework (Case Study: a Private Bank)

Author(s)

Keywords

divine law

Usury Banking

Non-usury Banking

Abstract

The unique specificity of Islam is no falsifiability of some rules, such as prohibition of banking usury as a divine law. This current study assessed the cognition rate about the definition and concept of usury, and acquaintance with a theoretical framework in two types of usury and Non-usury Banking. The research method was a field study, and the statistical population involved 9708 employees of a private bank from all over the country in 2020. Using Cochran's formula, the 369 employees were selected as a sample by cluster sampling and needed data gathered by questionnaire. The results of data analysis by SPSS software showed that 33.6% of employees in terms of acquaintance with definition and concept of usury, and only 11.9% of employees in terms of acquaintance with a theoretical framework about two types of usury and Non-usury Banking system have achieved to required quorum, that means 15 from 20 scores, which had been determined by experts. Therefore, the training must be implemented for executors' awareness.

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