النوافذ الإسلامية كآلية للتوجه نحو الصيرفة الإسلامية في الجزائر

الملخص EN

Summary: This study aims to highlight the role of Islamic finance windows as a method to develop the traditional banks efficiency in Algeria, by analyzing the efficiency and productivity of Gulf Bank Algeria, which has windows for Islamic finance, and compares them with five (5) traditional banks (Algeria External Bank, National Bank of Algeria, Bank of Agriculture and Rural Development, Local Development Bank, Algerian Popular Loan) and El Baraka bank of Algeria, during the period (2011-2012), Two methods were applied in this research; the first is data envelopment analysis (DEA) according to variable returns to scale (VRS) in order to Capture efficiency indicators and Reference banks, while the second is Malquist Index to determinate changes in banks productivity.

The variables of the study based on the mediation approach were the following: Deposits and actifs as Inputs, benefits as Outputs.

The results showed that Islamic finance windows are a strategic entry point for the transformation of conventional banks into Islamic banking in Algeria, which is improved through the Gulf Bank's investigation of the indicators of full efficiency during the study period at the maximum levels, unlike the rest of the banks in the study, whether Islamic or traditional results showed the decline in efficiency during the study period.