Modeling of Qarz Al-Hosna banking is approved by the seminary

According to the financial news report, citing the public relations and customer affairs of Qarz-al-Hosneh Mehr Bank of Iran, Alireza Arafi, the director of seminaries in the country, in a meeting with Seyed Saeed Shamsi-nejad, the CEO of Qarz-e-Hosneh Mehr Bank of Iran, said: based on the statistics and figures that exist Yes, the positive movements and activities of Qarzul-Hosneh Mehr Bank of Iran are clearly evident.

He stated that the main work of Qarz-ul-Hosna Mehr Bank of Iran is mediation in loans, and said: the value of your work is doubled in the sense that you have succeeded in creating a model and creating a healthy and honest method of banking, which has a high value and reward. It is provided and approved by seminaries.

Imam Juma of Qom expressed his satisfaction with the unprecedented acceptance and trust of the people towards Qarz-ul-Hasna projects and said: You must take steps in this movement born from Islamic culture in such a way as to win the opinion and trust of even the most distrustful and cautious people towards the banking system.

The necessity of developing studies in Qarz Al-Hosna banking with the participation of seminary

Arafi, while thanking the bank’s management for its values ​​and noble approach to Islamic banking concepts, said: If we are looking to create a desirable model of banking, we must pay attention to the technical and professional issues of banking by developing in-depth studies, in addition to solving and providing jurisprudence issues.

The director of the seminaries of the country, referring to the extensive activity of the seminary in the 2 axes of the office of “contemporary jurisprudence” and the research assistant of the center in various research fields needed by the system, said: the office of contemporary jurisprudence, which is under the supervision of the office with the presence of a number of prominent and important professors outside of jurisprudence The Supreme Leader (Mad Zaleh Al-Ali) works, has conducted comprehensive and documented research in various fields and each of them has been published based on specialized topics.

He said: 500 projects have been defined in the research department based on the important needs of the society, and more than 60 people who are proficient in modern sciences are preparing their research output to be submitted to the seventh development plan.

Emphasizing that in-depth and fundamental studies should be carried out in the field of Islamic banking, Arafi said: Creating communication solutions between Iran’s Qarz-ul-Hosna Mehr Bank and the results of seminary activities and programs, including the contemporary jurisprudence office, can help create a scientific and intellectual institution that is a model of Islamic banking. be effective

Emphasizing that the successful models of Muslim countries in the field of loan contracts should be used in the international field, he said: The creation of an international Islamic banking network will be an important principle in promoting loan banking based on verses and traditions.

The brilliant performance of Qarzul-Hosneh Mehr Bank of Iran at the level of the country’s banking network

In the continuation of this meeting, Seyed Saeed Shamsinejad, the CEO of Mehr Iran’s Qarz-ul-Hosna Bank, stated that the loan payment of this bank was unprecedented in the entire banking network of the country, and said: the amount of Qarz-ul-Hosna loan payments in 1401 compared to 1400 has increased by about 2 times.

Shamsinejad announced that in 1401, the growth of the bank’s resources reached 83%, and said: This growth rate of resources is unique in the entire banking network of the country.

Emphasizing that the growth of the bank’s resources will increase the payment of Qarz-ul-Hosneh loans to customers, he said: “Qarz-ul-Hosneh Mehr Bank of Iran is proud to spend the liabilities resulting from its bank late payment for charity and social responsibility programs.” Of course, we intend to conduct a detailed research with the scholars of the seminary in order to discuss and investigate its problems.

The CEO of Mehr Qarzul Hosna Bank of Iran announced that the amount of loan arrears in this bank is close to zero.

Stating that we currently have 10,000 account openings in bank branches, Shamsinejad said: “Fortunately, important organizations and institutions pay their employees’ salaries and wages through Qarz-ul-Hosneh Mehr Bank of Iran, which is a sign of the trust of important national institutions in the bank.”

He announced the daily payment of 9,000 Qarzul Hosna loans in the bank and said: Although we are obliged to pay installment loans without any help based on the government’s instructions, and additional pressure is placed on the human resources and we bear a lot of financial costs, but various banking plans We advance Islam according to the plan and predictions.

The scheme of receiving a one-time and one-time fee from paid loans

The CEO of Iran’s Qarz-ul-Hosneh Mehr Bank announced the bank’s decision to implement a one-step fee plan this year and said: “The plan to reduce the bank fee to 0% based on the recommendations of eminent authorities and scholars in the field is a serious concern of ours.

Shamsinejad added: Accordingly, in the first stage, after the notification of financial and technical reforms of the Central Bank, we plan to implement the plan of receiving a one-time fee from the entire loan in the coming months. This means that we will no longer receive an annual fee from the client’s loan account balance.

He stated that Mehr Iran’s Qarzul-Hosna bank is a successful example of the Qarzul-Hosna banking model, and said: In recent years, this bank has had a positive and profitable financial balance, and this shows that the Islamic banking model based on Qarz-ul-Hosna should be based on the guidelines and guidance of the scholars and scholars of the seminary. be deepened and extended in the banking network of the country.

Shamsinejad said that the motto of the bank is “Sehr Card, Life Card” and said: “We have a plan to solve the current and ongoing Qarzul-Hosna loans at all levels of people’s lives and the needs of the people through the Qarz-ul-Hosna channel.

Expressing his satisfaction with the performance of the management of Qom province branches in achieving a 97% increase in resources, he added: Qom province has been able to pay 1,200 medical loans in the amount of 60 billion tomans to indigent and incurable patients in the past year.

The CEO of Qarzul Hosne Mehr Bank of Iran emphasized the necessity of establishing a special branch for students in the physical space belonging to the seminary and said: Considering the volume and scope of activities between the bank and the seminary complex, the creation of a special branch in the space of the seminary will honor and increase the quality of service to Respected students and staff of seminaries.

Referring to the growth of the bank’s electronic services in the past year and the launch of the Q-BANK comprehensive platform, Shamsinejad said: In 1400, only 15% of bank accounts were opened electronically, and in 1401, this figure reached 70%, and even 30% of payments were made. The loan was also absent.

Creating a joint scientific and intellectual working group with the thinkers of the field

Emphasizing that all the elements of the seminary should accompany Qarz-ul-Hosna Mehr Bank of Iran in establishing Islamic banking based on Qarz-ul-Hosna, he said: One of our important goals in this field is to create a scientific authority with the participation and accompaniment of the prominent leaders and nobles of the seminary. The concern of the system in establishing Islamic banking should be provided.

The CEO of Qarzul-Hosna Bank, Mehr Iran, emphasized the need to create a special working group consisting of academic and bank scholars to create a roadmap for Qarz-ul-Hosna banking programs and said: I believe that the desired Qarz-ul-Hosna banking system of the Islamic Republic cannot be achieved without joint in-depth studies.