عنوان مقاله [English]
In conventional banking in the form of a loan agreement, a contract is concluded between the bank and the customer and a certain interest is paid based on the contractual agreement. Due to the prohibition of receiving interest on loans, the method of using partnership and non-participation contracts in riba-free banking operations has been studied by many experts to receive interest, and the law on riba-free banking operations has been formulated, approved and implemented accordingly. . But the use of these contracts has complicated, costly and formalized contracts and led to corporate. purpose of this article is to provide a solution to this problem using current theories about money guarantee theory. In addition to the impairment of currency devaluation, lost benefits and late payment penalties have also been examined in the light of this theory and given the nature of money in the modern economy in the form of contractual agreements and contracts. The use of contractual agreements can be a solution to this problem, according to the opinions presented on the theory of money guarantee in banking contracts.