توزان, فاطمةغرزي, سليمة2024-06-202024-06-202020http://dspace.univ-temouchent.edu.dz/handle/123456789/4247It has become imperative for Islamic financial institutions to develop and diversify their financial tools and products through a strategic approach based on innovation, especially since the latter found itself lagging behind compared to traditional financial institution, there fore the need for innovation in accordance with the Islamic approach emerges as an appropriate tool for Islamic financial institutions in order to raise the challenge.Innovation, Financial Innovation, Strategic options , Islamic Financial Products .