fa بررسی مصرف بین دوره ای با رویکرد اقتصاد اسلامی عمومى General پژوهشي Research <p align="right"> </p><span lang="FA"><p align="right" ><p align="right">بحث رفتار مصرف‌کننده، از مباحث مهم اقتصاد به‌ ویژه اقتصاد اسلامی است. در تحقیق حاضر نظریه بهینه یابی مصرف بین دوره ای با توجه به چارچوب اقتصاد اسلامی بسط داده شده است. ابتدا با توجه به احادیث و چارچوب الگوی بهینه مصرف بین دوره ای این نتیجه بدست آمد که تابع مطلوبیت فرد مسلمان علاوه بر مصرف به انجام کارهای خیر نیز بستگی دارد. با توجه به محدودیت بودجه فرد مسلمان و اینکه خمس باید از پس انداز فرد پرداخت شود، خمس در الگو در نظر گرفته شده است. سفارشات بسیاری به عدم افراط و تفریط در دین اسلام شده است، به همین منظور با توجه به تابع مطلوبیت فرد و خط بودجه ای که فرد با آن روبرو است بهینه <span lang="FA">یابی صورت گرفته استب ا توجه به معادلات بدست آمده مسیر بهینه مصرف و مسیر بهینه انجام کارهای خیر(صدقه) در طول زمان رسم . </span></p><span lang="FA"><span lang="FA"><p align="right" dir="rtl">  شده است مسیرهای بهینه بر اساس مقادیر نرخ سود صفر و همچنین نرخ سود 1 درصد رسم شده است. با نرخ سود صفر این نتیجه بدست آمد که مصرف در طول زمان مقدار ثابتی خواهد داشت. با توجه به روابط محاسبه شده؛ مصرف و صدقه بهینه در هر زمان مشخص تنها به ارزش فعلی درآمد در طول زندگی بستگی دارد و به متغیرهای دیگر مانند مصرف یا صدقه دوره قبل وابسته نمی باشد. همچنین ذکر این نکته ضروری است که مسیر بهینه مصرف مستقل از صدقه و همچنین مسیر بهینه صدقه مستقل از مصرف است. مسیرهای بهینه مصرف و صدقه تنها به متغیر ارزش فعلی درآمد بستگی دارد. با تحلیل حساسیت صورت گرفته روی متغیر ارزش فعلی درآمد مشاهده شد که با افزایش ارزش حال کل درآمد زندگی فرد؛ مسیر بهینه مصرف و صدقه به بالا منقل می شود و شیب مسیر بهینه را تغییر نمی دهد. </p></span></span><p align="right"><span lang="FA">.</span></p></span> <font face="Times New Roman" size="3"> </font><p class="MsoNormal" style="margin: 0in 0in 0pt text-align: justify text-indent: 0.25in vertical-align: top unicode-bidi: embed direction: ltr"><span class="hps"><span style="line-height: 115% font-family: "Times New Roman","serif" font-size: 10pt mso-bidi-font-size: 12.0pt mso-bidi-font-family: "B Zar"">Discussion of consumer behavior is important to the economy, particularly in the Islamic economy. In this paper intertemporal consumption theory in the</span></span><span class="longtext"><span style="line-height: 115% font-family: "Times New Roman","serif" font-size: 10pt mso-bidi-font-size: 12.0pt mso-bidi-font-family: "B Zar""> </span></span><span class="hps"><span style="line-height: 115% font-family: "Times New Roman","serif" font-size: 10pt mso-bidi-font-size: 12.0pt mso-bidi-font-family: "B Zar"">Islamic</span></span><span class="longtext"><span style="line-height: 115% font-family: "Times New Roman","serif" font-size: 10pt mso-bidi-font-size: 12.0pt mso-bidi-font-family: "B Zar""> </span></span><span class="hps"><span style="line-height: 115% font-family: "Times New Roman","serif" font-size: 10pt mso-bidi-font-size: 12.0pt mso-bidi-font-family: "B Zar"">economic</span></span><span class="longtext"><span style="line-height: 115% font-family: "Times New Roman","serif" font-size: 10pt mso-bidi-font-size: 12.0pt mso-bidi-font-family: "B Zar""> </span></span><span class="hps"><span style="line-height: 115% font-family: "Times New Roman","serif" font-size: 10pt mso-bidi-font-size: 12.0pt mso-bidi-font-family: "B Zar"">framework</span></span><span class="longtext"><span style="line-height: 115% font-family: "Times New Roman","serif" font-size: 10pt mso-bidi-font-size: 12.0pt mso-bidi-font-family: "B Zar""> </span></span><span class="hps"><span style="line-height: 115% font-family: "Times New Roman","serif" font-size: 10pt mso-bidi-font-size: 12.0pt mso-bidi-font-family: "B Zar"">has been</span></span><span class="longtext"><span style="line-height: 115% font-family: "Times New Roman","serif" font-size: 10pt mso-bidi-font-size: 12.0pt mso-bidi-font-family: "B Zar""> </span></span><span class="hps"><span style="line-height: 115% font-family: "Times New Roman","serif" font-size: 10pt mso-bidi-font-size: 12.0pt mso-bidi-font-family: "B Zar"">developed. Beginning, according to</span></span><span class="shorttext"><span style="line-height: 115% font-family: "Times New Roman","serif" font-size: 10pt mso-bidi-font-size: 12.0pt mso-bidi-font-family: "B Zar""> </span></span><span class="hps"><span style="line-height: 115% font-family: "Times New Roman","serif" font-size: 10pt mso-bidi-font-size: 12.0pt mso-bidi-font-family: "B Zar"">the</span></span><span class="shorttext"><span style="line-height: 115% font-family: "Times New Roman","serif" font-size: 10pt mso-bidi-font-size: 12.0pt mso-bidi-font-family: "B Zar""> </span></span><span class="hps"><span style="line-height: 115% font-family: "Times New Roman","serif" font-size: 10pt mso-bidi-font-size: 12.0pt mso-bidi-font-family: "B Zar"">Hadith</span></span><span class="shorttext"><span style="line-height: 115% font-family: "Times New Roman","serif" font-size: 10pt mso-bidi-font-size: 12.0pt mso-bidi-font-family: "B Zar""> </span></span><span class="hps"><span style="line-height: 115% font-family: "Times New Roman","serif" font-size: 10pt mso-bidi-font-size: 12.0pt mso-bidi-font-family: "B Zar"">and</span></span><span class="shorttext"><span style="line-height: 115% font-family: "Times New Roman","serif" font-size: 10pt mso-bidi-font-size: 12.0pt mso-bidi-font-family: "B Zar""> </span></span><span class="hps"><span style="line-height: 115% font-family: "Times New Roman","serif" font-size: 10pt mso-bidi-font-size: 12.0pt mso-bidi-font-family: "B Zar"">the framework of intertemporal consumption theory, it</span></span><span style="line-height: 115% font-family: "Times New Roman","serif" font-size: 10pt mso-bidi-font-size: 12.0pt mso-bidi-font-family: "B Zar""> <font size="2"><font face="Times New Roman"><span class="hps">was</span> <span class="hps">concluded</span> <span class="hps">that the</span> <span class="hps">utility function</span> <span class="hps">of individual</span> <span class="hps">Muslims in addition of consumption</span> <span class="hps">depend on</span> <span class="hps">the charity. According to the</span> <span class="hps">budget</span> <span class="hps">constraints of individual</span> <span class="hps">Muslim,</span> <span class="hps">one fifth</span> <span class="hps">of the</span> <span class="hps">savings</span> <span class="hps">should</span> <span class="hps">be paid in</span> <span class="hps">khoms (</span><span class="st1">1/5 of Savings</span><span class="hps">). In this paper khoms is</span> <span class="hps">intended. Most</span> <span class="hps">orders in</span> <span class="hps">Islam</span> <span class="hps">exist</span> <span class="hps">that prevent of</span> <span class="hps">excesses</span> <span class="hps">and</span> <span class="hps">wastage. We</span> <span class="hps">optimized</span> <span class="hps">utility function</span> <span class="hps">according</span> <span class="hps">to</span> <span class="hps">budget</span> <span class="hps">constraint for</span> <span class="hps">the individual Muslims</span>. After solving the model and according to <span class="hps">the obtained</span><span class="shorttext"> </span><span class="hps">equations, the</span><span class="shorttext"> </span><span class="hps">optimal</span><span class="shorttext"> </span><span class="hps">path of</span><span class="shorttext"> </span><span class="hps">consumption and optimal</span><span class="shorttext"> </span><span class="hps">path of charity are plotted over the time. </span>Optimal routes based on the values ​​of zero interest rates and interest rates of 1% is plotted. <span class="hps">Result</span> <span class="hps">was obtained</span> <span class="hps">with a</span> <span class="hps">zero</span> <span class="hps">interest rate</span> <span class="hps">that optimal</span> <span class="hps">consumption</span> <span class="hps">will be</span> <span class="hps">constant</span> <span class="hps">over time. According to the equations that calculated, consumption</span> <span class="hps">and</span> <span class="hps">charity in</span> <span class="hps">any</span> <span class="hps">given time dependent</span> <span class="hps">only</span> <span class="hps">to</span> <span class="hps">the present value of</span> <span class="hps">lifetime</span> <span class="hps">income and don’t dependent to the other</span> <span class="hps">variables</span> <span class="hps">such as prior</span> <span class="hps">consumption</span> <span class="hps">or</span> <span class="hps">charity</span>. <span class="hps">Also</span> <span class="hps">Note</span> <span class="hps">that</span> <span class="hps">the optimal</span> <span class="hps">consumption</span> <span class="hps">path</span> <span class="hps">is independent of the</span> <span class="hps">charity and</span> <span class="hps">also</span> <span class="hps">the optimal</span> <span class="hps">path</span> <span class="hps">of</span> <span class="hps">charity</span> <span class="hps">is independent</span> of the consumption. The <span class="hps">optimal</span> <span class="hps">paths of</span> <span class="hps">consumption</span> <span class="hps">and the</span> <span class="hps">charity only dependent</span> <span class="hps">to present value of income. With analysis</span> <span class="hps">on</span> <span class="hps">th</span></font></font></span><span class="hps"><span style="line-height: 115% font-family: "Times New Roman","serif" font-size: 10pt mso-bidi-font-size: 12.0pt mso-ascii-theme-font: major-bidi mso-hansi-theme-font: major-bidi mso-bidi-theme-font: major-bidi">e present</span></span><span style="line-height: 115% font-family: "Times New Roman","serif" font-size: 10pt mso-bidi-font-size: 12.0pt mso-ascii-theme-font: major-bidi mso-hansi-theme-font: major-bidi mso-bidi-theme-font: major-bidi"> <font size="2"><font face="Times New Roman"><span class="hps">value of income variable have showed that</span> <span class="hps">the increase in</span> <span class="hps">total</span> <span class="hps">income only move</span> <span class="hps">up</span> <span class="hps">the optimal</span> <span class="hps">path of</span> <span class="hps">consumption</span> <span class="hps">and</span> <span class="hps">charity and</span> <span class="hps">does not change</span> <span class="hps">slope of path. All</span> <span class="hps">graphs in</span> <span class="hps">this</span> <span class="hps">study</span> <span class="hps">plotted</span> <span class="hps">with</span> Matlab <span class="hps">software.<o:p /></span></font></font></span></p><font face="Times New Roman" size="3"> </font><p class="MsoNormal" style="margin: 0in 0in 0pt text-align: justify text-indent: 0.25in vertical-align: top unicode-bidi: embed direction: ltr"><span class="hps"><span style="line-height: 115% font-family: "Times New Roman","serif" font-size: 10pt mso-bidi-font-size: 12.0pt mso-ascii-theme-font: major-bidi mso-hansi-theme-font: major-bidi mso-bidi-theme-font: major-bidi"><!--stripped--><font size="2"> </font><!--stripped--></span></span></p><font face="Times New Roman" size="3"> </font> بهینه یابی مصرف بین دوره ای، تقوا، اقتصاد اسلامی، خمس، صدقه. : Optimal allocation of consumption between periods, Virtue, Islamic economic, One fifth, Charity 77 104 http://mieaoi.ir/browse.php?a_code=A-10-25-4&slc_lang=fa&sid=1 Ali Hossein Ostadzad علی حسین استادزاده 10031947532846007 10031947532846007 Yes