أثر نظرية الظروف الطارئة على عقود التمويل الإسلامي : مصرف السلام الجزائر في ظل جائحة كورونا أنموذجا

الملخص EN

The theory of emergency conditions has an impact on Islamic financing contracts, especially with regard to pandemics and pandemics, concerninghow the Bank of Alsalam in Algeria deals with the obligations of the financiers, whether individuals or institutions, under the coronavirus (COVID19) pandemic; Addressing the impact of the pandemics on the obligations of Islamic bank clients under Islamic financing formulas, and the extentto which the legal provisions of these financing contracts are affected by regulations.

The research resulted in the Bank of ALSALA in Algeria, in light of the new coronavirus, dealing with dealers with great flexibility, taking responsibility for the obstacles recorded by the dealers, and starting to delay the installment for April in an automatic manner for the benefit of all individual dealers, insolvent and well-off.

The Bank has also allocated financial covers to the various forms of the institutional portfolio, which allowed it to postpone the payment of its financial obligations, by reviewing the installment entitlements by delaying them for a period commensurate with the level of damage caused by the pandemic, in addition to taking into account the economic factors of the institution and the surrounding pandemic conditions, by geographical regions and sectors of activity.