let's start serving you in the month of shamsi nejad farhad, you have reminded all the experts on this issue that the credit loan model is a necessary and worthy model in the banking system as it should be and maybe it has not been implemented in our country in our banking system . it is very suitable for the middle class of the society and there have been various models such as the mosque's local household funds and models of this model until the middle of the 80s when qarz al-hasaneh banks were established in the banking network. in the country , there are a lot of loan issues al-hasna is now carrying an agent to serve you. currently, the resources of these two banks are happy to be 16% of the country's loan resources, because there are resources in other banks, but they actually have 40% of the loans in the country , of course, the amount of these loans and qarz al-hasna sources have grown well in the last 12 years, that is, if previously it was under 23% of the banking network's resources , it would have been welcomed due to inflationary and economic issues, but now with the model