دور التمويل الإسلامي في تعزيز الشمول المالي دراسة حالة : عينة من متعاملي بنك البركة و مصرف السلام الجزائر

الملخص EN

This study aims to identify the Islamic finance system as one of the possible channels through which financial inclusion can be expanded, by attracting the largest possible number of segments of society and its institutions, through the use of varied and innovative formulas and tools that are subject to Islamic law controls, to achieve justice in the redistribution of wealth, Through Takaful financing tools and integrating risk sharing tools to target low-income individuals, and to enrich the theoretical side, a case study was addressed targeting a sample of Baraka Bank and Salam Bank customers in Algeria, where the study adopted an analytical and descriptive approach to know the role of Islamic finance on enhancing financial inclusion and analyzing the relationship between them, through the use of a number of tools to collect information, the most important of which was the questionnaire, accreditation On the appropriate statistical and inferential methods to analyze their answers and test the hypotheses, the study concluded several results, perhaps most notably that Islamic finance is one of the most appropriate mechanisms for finding solutions that provide financial services and products and facilitate access to and use of them, especially the segments voluntarily excluded because of a religious or cultural belief.

Then this study came out with a number of recommendations, perhaps the most important of which is the necessity of enhancing financial education as well as keeping up with financial technology.