:

" .. "

: .

:
:
:
-.
0796 -96 -71 -07 :
:
khmoulay21@hotmail.fr



Research Summary:

:








) ( .

After the global financial crisis that

devastated the economies of the world,
and what resulted from the collapse of
major companies in the world one after
the other, marked the period with a sense
resulted in a new direction to search for
alternative Ihsshm safe and shielding
them from any unexpected crises, and
the result is the adoption of alternative
moral compatible with the teachings of
Islamic law after the failure of the
capitalist system any commercial logic
as it is for Takaful Insurance.And to
achieve the goal of research, we
discussed the subject of our three main
axes, and in the following manner:
First: The principles of Takaful
insurance.
Second axis: Motives and indicators of
the growth of Takaful.
Third axis: Challenges and prospects of
Takaful insurance.

.

:
: .
:
:

" "
) -
- - ( .

.

.

.

.






.





.
3

 :
-1 :

:
)(. )(. )(. .
- :


.

.

.
- :



.

 - :

.


.
- :

)(

.
-2 :
/
/

.

)(
)(.
-3 :
1979

)

 (
.
-4 :


.

:
)( :

) (
.

: )(
.
:
) ( .
: .
.
: /
6

.

.
:
.
.
.

.
-5 :

:
) (.

 ) :(01 :

Takaful

Mutuelle

Classique

) (.

)(

.
.

)(
.

.

.

.



.

 :
-1 :

.

54
103
.
:

.

54 .

.

.

.

)( 2010 7 .

71 74 1600
247 .

http://www.almasrifiah.com/2009/10/01/article_286291.html:

-2 :

:

.

.

.

.

.


:
.



" Zurich Assurances.
.
10

 ) :(02 .

) (

.


.

.

.

2007 .%17




.

:




.

11

 :

.
-1'()*+,:
.1.1 :



.



.



.


.

12

.2.1 ):(Shariah Board

.
) 177 (3/19
26
2009 ":
".
"



".
)
(
) (shariah scholars


.


.2007

13


) (.


:
.

.

) (CIBAFI " "


.







.

14

.3.1 :
:
.


.

.4.1 ):(Sharia compliant

) (
:
.
.


.

2009

.

15

.5.1 ):(Retakaful



) (

.




.

:
) (.
. .
.

.

<Y9 ?@ b7cI9H3L[ <4^ V_`a9 ]H@ V5Z D4[@L9 <Y9 V TF8M<I9 QR @7LM N9 H7II9 DE9 6F :B4 :?@A<92345 6789 :4;<=9
V[hijHg9 Vf ]H ;@ Q9 D4[@L9 <o@ D4[@L9@mL9H]H9 :M :]@l9.69k9 :74cLI9

16

 .

" "" ""
" . ...

" "
) (Retakaful window
.



:
. - .

.6.1 :

.
- :

26

     

  
  
."$ "  !     & )('   :
 ,(/ . +,-2'3   1  . 0

17

 "
".

5/5
" :

:
".

"


") ..
(.

) ( ) (26
).(12


:
. .


.
18





.
- :



.



.



75
).(2013-2012
.7.1 :

:

19

.
/ . .
.2:


.

14 2009

30 % 40
.
11
2015 .

.

.
.
.

20

.


""
" "

.


" " : )(
" :

".

:
.
...

21


.
.
. .
- .

:
-

: .

:
.2009

22

:
- Roland zaatar, Takaful une alternative lassurance traditionnelle, 10/03/2008.
- Lezoul Mohamed, Takaful une alternative lassurance traditionnelle, sminaire
international sur la crise financire, universit de constantine, dcembre 2009.

- Reyda Ferid BENBOUZID, le dveloppement du takaful et ses perspectives,

Paris 2009
-Le Rassureur Africain 22me Edition, Juin 2008
-Siagh Lachemi : lislam et le monde des affaires ditions dOrganisation, 2006.

:
http://www.alzatari.net/research/666.html
http://www.qaradawi.net/site/topics/article.asp
/http://ribh.wordpress.com/documentation
http://www.economie-entreprises.com/adr.php?n=241
http://www.djazairess.com/fr/infosoir/120311
http://www.almasrifiah.com/2009/10/01/article_286291.html

www.cibafi.org . -

23

) :(01

) (

;+89'

) (

)(1

) (2

) 'F 'YN,(TWN

)( 1

GH IJK+( ?,MNO BC 'DEF ;8? . <='>+,

)( 2

MO TF ?KU+VF ?*EF )S'NQ+R9 .

24

 ) :(02

;+89'

) (

) (

)(1

+]S'^,'C
'NQ+R9

) 'F 'YN,(TWN

)MO bJO ?EWKF ?cYd IWcU+C 'DC'Ye f+( ?ge (1 )S'NQ+R9 ]S'^,hEWFB+,

25