Factors affecting the granting of Qard al-Hasan facilities in Iran

Qard al-Hasan is one of the Islamic banking contracts that is being paid by banks and credit institutions after interest-free banking in the country. In this article, using statistical evidence and Johansen-Juselus cointegration  method over the period 1984-2019, it is shown that  gross domestic product, the rate of bank facilities and the number of registered marriages affect the qard al-hasan facilities issued by banks, so that with the increase of GDP and bank interest rates, the share of Qard al-Hasan facilities  from the total ganted facilities decrease and the marriage rate has a positive effect on Qard al-Hasan facilitiies.