نظم التأمين على الودائع : دراسة مقارنة بين النظام الماليزي الأردني و النظام الجزائري

الملخص EN

This research aims to identify the general features of deposit guarantee systems in Algeria, Malaysia and Jordan and compare their performance in this context, where the research reviewed the basic reasons for the creation and the main features of each system.

This is based on the descriptive analytical approach and the comparative approach.

The results of the study found that insurance systems in Jordan and Malaysia allocated insurance funds to Islamic banks, but Jordan allocated two separate portfolios in contrast to the deposit insurance system in Malaysia, which did not separate them, but in Algeria the approved insurance system is a traditional system that all traditional and Islamic banks are obliged to deal with and is subject to the laws governing the work of traditional banks.

In the context of the findings, we propose that the Algerian legislator follow the course of the Malaysian and Jordanian legislators in establishing a fund for the deposits of Islamic banks in accordance with the requirements of Islamic law.