ضوابط إنشاء الشبابيك المالية التشاركية في البنوك التقليدية : دراسة حالة بنك الإسكان للتجارة و التمويل-الجزائر

الملخص EN

The banking sector has witnessed various developments, most notably the transformation of traditional banks into Islamic banking in many forms.

This study highlights one of these forms, which is the Participatory Financing Windows; where it deals with the problematic of determining the necessary controls for the establishment of those windows in traditional banks.

The study also aims to demonstrate the extent of legitimacy of exploiting those windows and also to call on the banks to abide by the relevant Sharia controls.

For this purpose, an analytical inductive approach has been followed to understand the banking transformation and the controls of creating participatory windows.

Also, a case study of the Housing Bank for Trade and finance/Algeria has been used by assessing the process of establishing its participatory window.

And so, the most important target that has been reached is that the Islamic banking services represent an attractive element for a significant segment of customers, also the study settles that the success of the participatory financial windows lies in respecting the common controls of the establishment