Documentos de Académico
Documentos de Profesional
Documentos de Cultura
" "-
.
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
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
. -
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
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