Istisna is a contract which has an extensive using nowadays. This usage has been broader after its bilateral mandatory, because of its nature and character, which announced by Islamic Conference Organization on Jurisprudential Assembly. It has been arisen because in one hand buying and selling final goods were not enough for different needs of individuals, firms and government, and on the hand other contracts such as Salaf, Ijara and Joala couldn't finance different and spreading needs because of their special constraints.Authorities on matters of religion believe that this contract is accurate only as an independent contractor in a sale, Ijara, Joala and Solh framework. Therefore banks and financial institutions can finance their privet and state and public sector plans by this contract and be broker among big companies and industry owner. Experience of other countries in this field is very useful.It is proved in this paper that banks can remove difficulties on recourse allocation by using Istisna contract and also it is absolutely scientific to use this contract in Islamic BANKING in Iran while its theoretical and applied field is provided.

BANKING industry has faced big changes since 1990 and the speed of these changes has been increased rapidly along with the development of communication facilities, globalization, deregulation, technological improvements and information technology advances, in particular.Profit making has been the main incentive for many institutions and the market experienced significant competition over the development of the active firms in this industry. The increased competition of the market has also another characteristic. As the firms are not the same in size and both big and small firms are doing business probably what makes these firms of all size survive in this industry is a good and reasonable profit.In order to investigate the performance of the banks, we will introduce some indexes and ratios to compare the selected banks with respect to their performance.There are other factors which can affect the compatibility using ratios (such as specialized business of the banks), but in sum, are used for comparison worldwide. Some standards have been introduced. In this article, a comparative approach of the relevant ratios among the banks of the selected countries will be carried out and then, some methods for better performance of the INTEREST-FREE BANKING will be introduced.

The economy section of the constitution of Islamic Republic of Iran requires that the system of BANKING, as the heart of economy of the country, be changed.  Therefore, the law of "INTEREST-FREE BANKING operation" was passed in 1983 and as for the law it gained a new form by mobilizing and allocating resources. It is hoped that establishment of a correct BANKING and monetary system can cause proper economy growth, removal of poverty and unemployment, curbing inflation, booming capital market, and decreasing money market. And it can show a successful pattern of INTEREST-FREE economy measures in the modern world. A less complicated evaluation of the performance of the BANKING system indicates that unfortunately it could not practically achieve the expected aims stipulated in the law. What is the problem? Whether the executive regulations are not in harmony with the law, or the sample contracts based on regulations are not in agreement with the law or other laws are not in harmony with this law. After good studies and researches, a complementary plan is proposed by the honorable representatives of the tenth Islamic Parliament to replace it. Can this plan remove its possible shortcomings and complete its advantages? The considered supervisory authority can resolve problems. The Present article discusses the above-mentioned matters. In addition, this issue has been delayed for a while. Now that the plan is to be passed, it sounds that a number of shortcomings are removed and by the prevision of the supervisory authority and the new capabilities, the problem is removed which will be discussed in another time.

Does Muzarebah include all Commercial activity or includes only sale? In jurist opinion Muzarebah is valid only under two conditions: 1. being with money or in cash and 2. Commercial activity for INTEREST should be sale. It is vague about meaning of commercial activity. In accordance with the aim of Muzarebah legislation and general provision it seems we can extend the subject of Muzarebah to all legal Commercial activities.

Central Bank has published applicable and strategic instruction for issuing electronic cards in accordance with the 10th sentence of electronic BANKING regulation. Electronic card accelerate the receiving and giving process of money via electronic communication. When a customer demand for credit card, bank studies his/her record and issue him/her a card with a certain amount credit. Thus, the customer can purchase with this credit card and pay the account statement at once or monthly installments.Since the origin of credit cards comes from western countries, law relations ruling on credit cards transactions would be against religious rules. Therefore it is necessary to devise a religious solution for organizing credit cards transactions. Central bank solution seems to be a good start but it does not remain suitable permanently and changes to an obstacle for the development of electronic BANKING in long run. In this paper after studying the central bank solution, it is suggested another solution to organize credit card transactions based on credit electronic store and Morabaha contract.

Considering the lack of attention to the appropriate patterns for implementing the Law for Usury (INTEREST) FREE BANKING in Iran, as well as a better understanding of the dimensions and components affecting the establishment of INTEREST FREE BANKING and the relationships between them, the main objective of this research is to provide a model for the establishing the INTEREST FREE BANKING. In this regard, the paper works on a hybrid approach and using the mixed research methodology to identify and extract the most important dimensions and components affecting the implementation of FREE INTEREST BANKING and examine the relationships between them in an operational model. The initial dimensions of INTEREST-FREE BANKING including 9 dimensions (the results of qualitative data) and the final model of the INTEREST-FREE BANKING (the results of quantitative data) consisted of 12 main dimensions. Some of the most important of these are the strategic infrastructure; the jurisprudential council and the religious supervision and the process and mechanisms for the implementation of the Islamic contracts. Also, these dimensions, based on the modeling of the influential factors emphasized in strategy implementation models, are categorized into four main axes: Contextual, Structural, Process, and Behavioral variables. Also, based on the levels of influence, each of these variables in the model is presented at three levels of governance, system, and operation.

In this paper, we have showed that there is no difference between Islamic countries and the other countries in central BANKING. For example monetary instruments in both sets of countries are the same. Also we have showed that in most of Islamic countries there is not any consistency between monetary network and monetary management (central BANKING) in the use of monetary instruments. This inconsistency is the source of inefficiency in the central BANKING in these countries.In this paper, we survey the monetary transmission mechanism and it’s channels in the basic schools of economics. We have identified the Islamic monetary instruments and we have showed that Islamic central BANKING can work efficiently and can match monetary and real sectors of economy.

Unfair terms are one of the most debatable issues in terms of contract terms that upset the contractual balance, and in today's world, the expansion of contracts in which one of the parties, due to its superior position, includes conditions in the contract that the other party The contract is fair, it is increasing. In the meantime, banks, due to the financial resources at their disposal, mainly include conditions in contracts with customers that seemingly follow the principle of correctness and are concluded based on correct contractual principles, but inwardly are considered as a kind of imposed conditions. The customer, based on his economic needs, will inevitably accept these unfair conditions. Money and credit are in conflict with the health and growth of the country's economy. The end result of the acceptance of these conditions by the parties to the contracts will be the violation of the principle of justice and the creation of mistrust between the bank and its customers and economic actors, and finally, corruption in the monetary and BANKING system. Given the importance of this issue, in this article, while examining the concept and principles of unfair terms, we will examine the examples of these terms in BANKING contracts and provide solutions to improve and exit the current situation of BANKING contracts.