Habib Alah Saravani - Master of Private Law, Damghan Branch, Islamic Azad University, Damghan , Iran
Alireza Hasani - Department of International Trade, Damghan Branch, Islamic Azad University ,Damghan ,Iran

Abstract: A wide range of activities in the interest-free banking system in the conventionalbanking system is used accordingly, allocation of resources. Based on the statutory andregulatory provisions , the main task of wandering and a stagnant community banks attractfunds and allocating them to meet the financial needs of individuals and financial institutions inthe economic system, the objectives and programs of the society. The present system of banking, and the allocation of resources under legal regulations and on the basis of contracts take place. Most applicants through the grant facility will be provided in the form of legal transactions andcontracts are allowed . In order to ensure the return of bank facilities granted to customersattempting to grasp the valid records found in the case of non- payment at maturity of the debtor perform the obligation is due, his quest for a place to demand records . The systems andprocedures related to obtaining collateral against the loan , and is worthy of favorablecharacteristics , in that case , not only reduced the risk of banks.

Banking System, Guarantee, Mudaraba, Collateral