Abstract
The purpose of this study to know the Islamic formulas as a substitute for interest rate which can be used in agricultural banks. A number of farmers don't like to deal with agricultural banks that take the familiar interest due to their religious rules , and because of the high costs from which the farmers suffer. Therefore, this research started in an attempt to prove its hypothesis which says that it is much better to use Islamic formulas as a substitute for interest rate. The most important conclusion is that we can apply the Islamic formulas and make use of their positive facilities to help a large number of payees to get loans from agricultural banks. The aim of here to attract more and more farmers to deal with agricultural banks, especially the farmers who reject borrowing loans at any interest. Those farmers prefer only to deal with bank transactions according to the Islamic formulas.
