صناعة التأمين التكافلي بين الأسس الشرعية و الممارسات التطبيقية : تطوير العلاقات التشاركية في إطار نظرية الرسملة المزدوجة للفائض التأميني و الاستثمار المشترك للأرباح التأمينية

الملخص EN

To up grade the performance of Takaful insurance industry organizations, expand its absorptive capacity, and diversify its services, require the development of internal integration which leads to a balance of interests between shareholders, managers and participants, and as well as between Takaful companies and insurance funds.

This research dealt with Takaful Insurance; mainly its Shariah compliant principles and applied experiences.

In addition, this research tried to shed the light on the advantages of Takaful which confirms its merit as an alternative, and tackles the imbalances among stakeholders in the insurance operations.

On the other hand, we dealt with the problematic of developing Cooperative Participation at the level of insurance funds in the open joint-stock companies by participating with a part of the Takaful surplus.

This leads to a consequent integration of roles, a balance of interests and a development of the Takaful cooperative participation.

The latter aims at creating a legal framework for participation in the administrative bodies of the companies, the exchange of Good Loans in case of deficits, investment participation in case of net insurance surplus, and the possibility of distributing the surplus in an investment way.