Está en la página 1de 18

:

" "-

.
04-03

2012

0778410894

0778218390

chenchouna@yahoo.fr

dana216@ymail.com

: . 07000 145 .
: :
:


) --(
:

.

.
: .

Abstract:
Associated with the emergence of Islamic Takaful insurance or emergence of Islamic banks and has been
associated with success, including Islamic banking has achieved in general, and insurance companies to enter
the giant Islamic insurance market increased importance of this insurance and expanded its markets. Came this

interjection to view system Takaful Islamic and development and future prospects and the challenges facing it,
considering the insurance industry imperative within the structure of the economic system of modern and
affecting directly to industries other financial and on the economy as a whole, as it contributes to the reduction
of risks and stabilizing projects.
Keywords: insurance, Takaful Insurance, cooperative Insurance, Conventional Insurance.

:
.




.


2000
.
.


.
:

:
:
:

:
:

.1 :


.
1.



2
.

3
. .


. )( )(
4
.



.


5
. .

: .
: : . : : :
.
6
.

7
.
.2 : :

. :
.
.
.
.
.

.3 :

. :

:
. ""
9
.
:


10
.

.1 :
) (
.
.
) :(1

:
20/18 : 2010 .2



11
.
" "


12
.
13
:
.
.
.
.

.2 : :

14

:
.
.
.

:

.

: 1844
1867
1972 1922
.

1978
" " 1979 1989
1998 . . 2002
:

15

.1
.
.
.

. ":


".
.2 )
( ) (

.
.3
.
.4
.
.

.5 .


.
.6
.
.7 .
.
:
) :(1

: :

24/23 2011.8

.1 16 :


.


.
.

.

916
.



( .
)



.

.
.

.
.2 : : :.

: :


. :
17
.
18
:
.
.


.

.

.
.

19
:
.
:


.
":
".

": ".

.

.1 : :

20

: .
.


. :
.
.
:
.



.
.

:


.
.


.

.2 : :

21

:

.

: .

.

.
:
.

:

.

.3 : :

.

.


.
22

.1 :

23


.
.2 :

.3 :

.
.4 :


.
:

:


.


.
.
:

- -

:


.

:
2009 173
:
) :(2

13

15

10

15

41

)(

133 2010 138 2011 142.3 2012 .
13.7
2010 5.7
.2012 2010 13.7) %22.9
17.2
( ) 2009 %17.7 11.2 (
.2012
5.7 ) (
5.3 1.9 . 128
2009 133.1 2010 138 2011 142.3
. %24

%9.7 2010 %16.3



%44.7 2004 2009
. 4.4
%32 141 .
%24 1.4 141 .
818 %.28
363.4
) (
%7 .2010
.

.

17.2
24
.2012

2008
.



25
.
8 %28 %72
20 . 2011 2012
453
100 60
5
50 40
26
30 33 .
) :(2

http://www.alqabas.com.kw/ :

.1 :


.
2009/4/14 30 40
% . 11
2015 .
.



. .
27
.
.2 :

28

.
.
.

.
.
/ .
.

:
:

.
16.6 ) 44 ( 2005 18.6 ) 49.5 (
.2004 %17.5
.2005 1989 5 ) 13
29
( 20 ) 55 (.
2006
. ) ( 2005
19 11 8 .
2005
. 94.9 ) 251 ( 2005 5.4

% 2004 90.1 ) 238.4 ( % 26.8 47.5


30
) 126 ( 2005 37.5 ) 99.2 ( .
2011 %2
2010 214.94 .2011
12.55 2010 16.46
2011 .%31 %8
.2011 34.84
2011 31.75 2010 %.10
%8 1464.04 2011 1360.51
.2010
2011 27 11
. 14
7 .
8 3
.
40.19 2011
38.55 2010 %.4 5
2011 / 349.5
2011 323 2010 %.8 2011
214.94 ) 570.13 ( 210.48 ) 558.30 (
.2010
.2006
34.84 2011 31.75 2010 10
%16 .2011
) ( 2011 48.88 ) 129.66
( . %23 .2011
2011 55.63 ) 147.56 ( 57.47
) 152.44 ( 2010 .%3
%26 .2011
%8 38.65
) 102.52 ( 2011 35.66 ) 94.59 ( 2010
31
%18 .
:


. -
1964 80% 3
20% .
7
1995

.

. "
" " " -
-
" ".


.


.
100%
.

.

50% .

:
.
:


.

-


-
-
25% .
2007

32
.

.


.
) (

)( ) (
.
2008
. 2009 6.81
2010 7.74
) (
) ( .

) - ..(
) ( ) (.

/26/



.


.

) - - (
33
.

:
1 www.shubily.com.1

2 http://www.islamfeqh.com.2
3 7 2010/2009 :.332

4 1977 : www.abdullahelwan.net.4

5
26/25 : 2011 .3 2

6
2008 :.17
7
31 1 2009 :.5

8
24 23 : 2011 .5 4
9 .6 5

10 2003
http://www.iifef.org/node/808.16

11
20/18 : 2010 .3 2
12 .12 10

13 :
24/23 2011 .4 2
14 .7
15 .26 24

16
2010 :.9
17 .10

18
26/25 : 2011.8

19
24/23 : 2011 .4 3
20 .6
21 .12
22 .7
23
26/25 : 2011 .8 6

142.3 24 2012/9/21 .http://www.zawya.com


25 2012/8/28
.http://www.mubasher.info

26 %82 2012/2011 2012/9/9


.http://www.zawya.com

27

.13

28 21/20 : 2010.5
29 .9
30
http://www.alwaqt.com/art.php?aid=19518 .2006/10/1
31
2012/9/2 .http://www.zawya.com/

32 : 2010/10/13
.http://www.alarab.com.qa
7 33 2011/4/7 .http://www.damasbaks.com

También podría gustarte