Incentive structure governing financial institutions have a significant impact on performance. Obviously, if we look at the incentive structure is changed on a financial institution, it is possible that its function is also visible changes occur. Many argue that Qarzol hasaneh  institution is to meet the needs of borrowers. This article followed the hypothesis that Qarzol hasaneh  institution is essentially spiritual and eternal needs of lenders are looking for. If this hypothesis is proven, the loan must first show after his role in the spiritual and forever needs are lenders. In this case, the problem of the supply of funds and the balance between supply and demand solutions arise. Innovation in paper looked to change the incentive structure of Qarzol hasaneh  institution