[000:00:00;00] eat those two and get rid of them, they will be short handed, i invite all the viewers, i am talking from the khabar good channel with the economic table in my other studio, mr. rezaei, member of the legal council of the central bank , we are at your service, mr. hojatul islam ali, the scientific auction of al-mustafa university from mashhad to greetings to both of you, i have permission to start with a teacher and ask you to be a teacher who wants to give a key sunday about the state of the banking system before

the revolution and how they functioned in the name of allah , the most merciful, the most merciful, the most merciful, the most merciful. i am at your service, dear viewers dear mr. hojjat al-islam and muslim rezai, i offer my condolences on the passing away of imam rahal, a warrior, to you dear and respected viewers. before the revolution, the banking system that was established in iran was completely based on usury and all contracts were in the form of explicit usurious loans, and even bonds. it was published that these bonds were pure loans, and usury is one of the clear rules of islam that it is strictly

forbidden, it is a thick forbidden, as mentioned in the words of the imam, and you also spread it well, the only sin that is declared in the holy qur'an. the war with god has been raised, and the same fox will face every bahman allah tomorrow therefore, at the beginning of the islamic revolution, when the imam was in qom, in early 1958, some central bank experts and officials of the central bank served the imam and said some points related to the economy. ok, as long as usury is in the bank, you don't have any other priority for your cartoon. well, in these years, a committee

was formed and to the ground that this issue is not a very important issue, it is an accurate issue in 1958 . usury banking image is one of the most important the achievements of the islamic revolution are the law of banking without usury. thank you for the rights of the teacher mr. hojatul islam rezaei. mr. rezaei, please tell me about the importance of the damage to the previous process before the revolution for the economy of the country, based on that, the access of the market people and different people. how was the facility and the banking system, the most important issue raised by imam in the field of banking and the banking activities of mr. muallem, what

did mr. muallem point out that we should eliminate interest first . peace be upon you and may god have mercy on you. on the occasion of the death of the late imam and also the duty of the martyrs of 15 khordad as you said, and his wife, who is a teacher, i present to you, the issue has been specifically addressed in the qur'an and hadiths, and it should be considered as a good work, a humanitarian work, if it becomes a commercial work, in terms of islam is hated, and in fact, it is a contractual loan that is built for cooperation between people. if

people benefit from economic transactions , they can use oil transactions . can use so some content regarding cholera, while it has come , the same as what the people of manto have said, there may be other cases that are hidden from our view and have not come . let's take into account that sometimes the economy is in a situation where in terms of economic rates , it has good conditions, it has optimal conditions that are very high, we are suitable in the real sector, when

we enter a credit in a european country to see that it really works and from at that time , he has little credit at this rate, even from who is the coach it uses a 40% loan, it can be given to people and they can use it, so the cost of providing money and facilities is not low in the economy compared to our economy, which has high inflation conditions and the cost is high. you may be in the 40s before the revolution. in the 50s, we are facing 25% inflation, like in 1956, in the 40s, the average inflation is around 40%. in this situation, it is possible that the banks will be affected by the effect. we assume that 5% will be 4%, and maybe

some people think that then therefore, it is better to separate from the lower cysts legal and the relationship between the bank and the customer, a relationship with the economy and what rate is formed in the economy, now the interest rate, how is the loan sector rate, how are the other things that are in the transactions, and also the changes and developments that may be formed in parallel markets with the banking market. in fact, he considered it, so when we talk about roa , the main difference is that we used the 100% calendar of the person who took this money from the bank, no

matter how he uses it , he will not be indifferent. he returns this property to them, the property he took with interest they say that it is sanctioned in the system and thought is held. mr. muallem pointed out that the arrival of the imam, how could you have mentioned this issue to him, that there were many, that it was very widespread, and that the late imam did the various things that he did, and as a rule, that means i asked our experts themselves, in the minutes before the revolution, there were slogans and

how banks should reform , these were raised, but in the basic slogans of our country, this issue was not raised. the independence of the islamic republic was considered, but with different experts. from his council the revolution and various banking experts actually met with him and talked about it. i wanted the bank to be a very important issue in the city and the countryside. there are areas of business that must be paid for. that is why some things were changed in the first year of the revolution. it took a few years for the law of banking without usury to be approved by the guardian council in 1962, and after 1963, which is about five years after the revolution, the victory of the revolution

, it was supposed to be implemented. and solve the problems that you know well in these years the last 50 years is part of the parts before the revolution and the most critical conditions of the country have actually been experienced in the last few years. he didn't have it, and for this reason, all his experiences are valuable and precious stones that he has successfully completed. what parts of piano charging have become problems ? it is a great experience for the whole world to create in the world in this islamic country a collection of usury-free banking in the form of a comprehensive central bank system.

this is what the experts and professors told me when they announced that we divided, he made sure that they didn't say that you can have a functional system, it can be taken, and after they gave detailed speeches, they explained and changed the dear people to the fact that this system will be supported and supported. it was done from the marketers of ordinary people and from the government itself, which was during the war, because the government had this privilege. all the banks were forced to become state banks for various reasons. there were special conditions for these banks, the government with bank inflation. the war period

was balanced and almost at maximum capacity a bank should use iran's special currency during the war period in the country, and all this showed that this system can work, only there should be less problems, and now if there is time, it will come back to you . regarding the fact that mr. rezaiyan was pointing out an innovation , there was no comprehensive system at the world level. yes, i have three points to make regarding the answer to

your question. the first element of originality and the second element of your efficiency if in chapters different jurisprudence where the imam understood about the removal, where they issue a fatwa about the islamic government, the first imam gave a fatwa , which is based on the jurisprudence of jawaheri, a firm and correct fatwa , it has a framework, it is based on the speeches of the ahl al-bayt, infallibility, purity, and the holy qur'an. and the second point is that the sayings

of the imam are relevant to the day, effective and useful for our society today. this is the first point. matters are raised to escape from usury and find ways out some jurists stated that under the title of hiller , they are strongly opposed to hiller's issue in the jurisprudence books of the imam, in their own books and in other discussions they had, and even in one sentence, the imam said that if there were problems with several sentences it can be solved, well, why do i have the prophet as a command, who ordered that if they do not stop the destruction, they will fight with them, use this word health

. finally, in today's society, we see that some people have savings they have people who do not have the ability to use them in economic activities, or they are people who are not risk -takers and do not use them in economic activities. convert it into production, convert it into added value, convert it into employment, economic prosperity, but they don't exist , therefore, we must have a series of financial intermediaries who

can take these saved funds through a correct channel and satisfy the thirsty taste of producers, just like the professor granghadar said that it has been worked for about four years on banking, the law of interest-free banking, great students of martyr sadr, such as the late ayatollah hashemi shahroudi, the late ayatollah seyyed kazem haeri, the late ayatollah esfahani, the late ayatollah ahmadi mianji , the late ayatollah seyed jafar karimi, who were all students of the great authorities of the time of the students of the imam

they came and worked and made a series of valid shariah contracts . the famous contract is the mudaraba contract participating in mazzere competitions and 13 very good titles, of course, in the later stages, it was added together with ard mera and hazrat imam became the basis for us in the future to the revolution hall for the year 63. it is a foundation that could not be improved in the future . be updated, yes, that is, the imam, with the formation of the jurisprudence council, as he says, because the economy is changing day by day, every day in

the contract economy, new conditions come into existence, and we have a jurisprudence council in the central bank, which today , alhamdulillah, this jurisprudence council is very much a council. it is a good jurisprudence and it really works, according to the authority he has the supreme leader and other authorities, and these members of the film council are often all of them both dedicated to studying and in jurisprudence, professor motahari, and thanks to allah, they are able to present an authentic jurisprudence, a jewel , and at the same time efficient, for the issue of financial intermediaries in today's economy. let's exchange the profile of the person we mentioned and let them see. please, regarding hitler, yes, hazrat imam reza, one of the issues, because

today's banknotes are few, we can, for example, 1000 to 2000 tomans, like a check for 50 thousand tomans. let's sell it is not limited. it is also correct it is clear that it is completely illegal and you are only working with a moment, you want to make a story look upside down, and if it was supposed to be done with a moment, the holy prophet would be at the head of islam instead of the ruler of madinah. tell the ruler of makkah to buruj, they used to teach the word, the prophet who has the mercy of the worlds, why is the real imam fighting like this

, and these contracts that came in the very strict conditions of the imam , i submit to you, the imam in the book tahrir al-wasila wrote this before the revolution and published it there buying religion together with the discussion of lowering the religion of the imam, but do not do this in the polls after the revolution of the imam, because it is possible that this is also a trick in the banks, so these contracts, which were later approved by the imam and proposed as the banking law without usury it is very correct, it is original, and it also worked. thank you, hajj mr. rezaei

. please tell me what it was that was mentioned in the program. in the banking law, both the central bank and he left the banks open to use different tools for production, for buying and selling, for the agricultural sector, for the industrial sector . i always say that we must completely separate these two snows. for the bank finance expert, the honorable authorities said, and we should also help, that we should learn and use them in implementing them, but the work is an important and fundamental work that exists, the work of the expert that

exists on the ground is also on the floor of the bank branch. the central bank's policy-making and macro-government policy-making are relevant in every part of the work expertise is done until he said about this trip, always when we work in agriculture, which produces products in the industry and producer sector , you can sell it on behalf. there are even some people who have better basic education and people don't need to enter the bank

. in fact, they use it in the frameworks of the conventional markets of history . done but the main content is mine, so the central bank can also use it in a variety of ways. i will point out that the stock market in our country before the revolution was very small. that in some cases it was realized that mr. smith, you know very well, since the new format for the iranian music market in 2004 and with the efforts made by various thinkers, there is room for the authority of mousavian and the late ayatollah dastghibi when it

was in the market, it was placed in the atmosphere of new tools to be created, you can't shut down or approve new ones by using these , but with the efforts that were made and today , various types of tools were designed , they were brought up at the level of islamic countries and the world in such a way that after a while in it is the global markets that have to face new things and these financial instruments can actually be economically active and in terms of communication with people, this problem will be solved and people feel that bonds and bonds can be used on the experience of the banking system.

he tries with the help of respected central bank experts the tools that, according to the honorable presidents of the central bank, are bad policy tools over time, and on the other hand, we expect that we will not have a banking problem, with the efforts that the group will make together, the financial expert of banking and economics will get a new one. which has been implemented in the bank for how many years to solve these problems, the country's banking time in this experience is the first experience of the mother of the world, we implement it even in this islamic country, when it was implemented

, i closed it very soon, only in some limited areas, this work is done it takes, therefore, without a doubt, if all the sets that are in the people involved in this work are the implementation. i want to say that if this work is done, it is a very powerful scientific theory that came out in the environment and showed its success. the basic point is how much time has mr. zameen been present in iran's economy, and he should actually be upset.

if the government doesn't do anything, if it doesn't solve the policies of the central bank , if the policies of the government don't upset the government financing, then create that piece . i brought up and now the banking law how complete will it be implemented without usury? if there are any shortcomings , as shahid sadr pointed out in the beginning of the book, we have two steps, the first step of the soldier, thank god, so far, this step has been done well, and at that time, the bank copies that were in the central bank of shura farrokhi the next day, the late mousaviyan, may god have mercy on him, i made a lot of good efforts

. today, alhamdulillah, things are going very well, but the second step that martyr sadr kitab al-din led by the bank should be considered as a part of that whole islamic complex, in relation to social justice, in relation to the problem growth and general welfare in and other issues that are raised as the high goals of the islamic economy, the bank should move its work towards the same, and as you said, we have progressed in the first step. in the second step, we must first implement the laws with the overall goal of the economic system, which is justice.

let's rewrite the revision of the laws that the supreme leader has mentioned many times. today we have very complicated laws and regulations, and these laws are all these when needed . his position is good alhamdulillah, today the jurisprudential council is in a good position, but we hope that in the future, due to these reforms and rewrites that are intended by hazrat agha , the position of this council in the central

bank will be improved . dear viewer, i am at your service with the news of the total and equal weight stock market on the first trading day of the week, the increase at the end of the market, the number of positive symbols reached more than 460 symbols, more details in the report of my colleague , when arian, greetings to you, capital market. the transactions on saturday, june 13th, are positive and the contents are behind