The Culture of Qarzul-Hosna and Iran Moqtadar

According to financial news, quoted by the public relations of Qarzul-Hosneh Mehr Bank of Iran, “Syed Saeed Shamsinejad”, the CEO of Qarzul-Hosneh Mehr Bank of Iran, on the occasion of the 15th anniversary of the establishment of Qarz-ul-Hosneh Mehr Bank of Iran, by publishing a special note in the Jam Jam newspaper on the achievements and blessings of the growth of Qarz-ul-Hosneh Bank in the society. the payment.

In this note, it is stated: “The Supreme Leader of the Islamic Revolution Azar 1399 and in the meeting with the participants of the martyrdom anniversary ceremony of Haj Qasim Soleimani and the family of Martyr Soleimani advised the authorities and the nation and said: lifting the embargo is in the hands of the enemy and neutralizing the embargo is in our hands; The enemy must lift the embargo, but we can neutralize the enemy’s embargo. So this is a precedent.

Today, in accordance with this statement of the wise leader of the revolution, we strongly consider the establishment of the culture of loan in the country and its reflection in the credit and banking structure of the country as an important step in the path of neutralizing the sanctions. So far, many words have been said about the intrinsic value of Qarzul-Hasna and its material and spiritual effects and blessings, but now we are trying to have a more operational look at this issue. In a favorable system approach, synergy is considered the highest and most favorable level of communication between the components and constituents of that structure. Synergy is even more valuable than collaboration because it ensures the structure is upgraded more quickly and efficiently. In synergy, the components are not only repulsive to each other, but consider it their duty and responsibility to promote each other. “Synergy” has more originality than cooperation in Qarz Al-Hosna banking system.

The culture of Qarz al-Hasna and its crystallization in the banking and credit system originates from the simultaneous arrangement and promotion of its components. Here, an intelligent structure is formed, the output of which will benefit the customers, banking and economic system of the country. In the structure of Qarz Al-Hosna, existing credits and even initiatives are defined according to existing capabilities and objective goals. This is the example of endogenous and dynamic economy. In this structure, capabilities and synergies are placed in the service of improving the credit structure of the country. Although we still have a long way to go in order to stabilize this huge issue in the country’s credit structure, the progress made gives us hope for the future. Until a decade ago, Qarz Al-Hasna sources were less than one percent of the country’s total liquidity, but now it has reached more than 3.5 percent.

This trust-building has both cultural and credit aspects, and as mentioned, objective and concrete goals have been set in this regard, which forms the road map for improving the banking structure of the country based on Qarz-ul-Hasna. Directing 20% ​​of the country’s liquidity in the Qarz Al-Hasna banking circuit is an important goal that we are focusing on in the long term. We will definitely continue this path stronger and more determined than in the past. In the end, Qarzul-Hosna and Qarzul-Hosna banking, if it finds its desired crystallization in the country’s society and credit system, will be a symbol of a powerful Iran.”