تفعيل التأمين التكافلي كمدخل لدعم اعتماد التمويل الإسلامي بالجزائر على ضوء تجارب دولية

Abstract

This study aims to analyze the role of Takaful insurance in supporting and expanding Islamic finance in Algeria, through a comparative analysis based on the Malaysian and Saudi experiences, as two leading models in this field. The research adopts both descriptive and comparative approaches to examine the legal, regulatory, and economic environment of the Takaful sector. The findings reveal that the Takaful insurance market in Algeria is characterized by limited product diversity and a low level of integration with the Islamic finance system, due to insufficient regulatory and legislative frameworks. In contrast, the Malaysian and Saudi experiences have benefited from comprehensive environments that have enabled Takaful to play an effective role in supporting financing and investment activities. The study concludes that activating Takaful insurance in Algeria requires a set of fundamental conditions, notably the development of an appropriate legal and regulatory framework, the strengthening of institutional structures, and the enhancement of integration within the Islamic financial system. This would allow Takaful to serve as a strategic lever for expanding Islamic finance