واقع توطين الصيرفة الإسلامية في الجزائر على ضوء النظام 20-02 والتعليمة 20-03

الملخص EN

Algeria turned towards the localization of Islamic banking in Algerian banks, by allowing the opening of Islamic windows, which was approved by the bank of Algeria 20-02 system, which in turn canceled the 18-02 system, which had previously organized the same issue, but was not applied on the ground.

This study aims to shed light on this trend towards Islamic banking by standing on the challenges of its application and requirements for its success, as well as highlighting the role of Islamic windows in enhancing the efficiency of traditional banks in Algeria.

This study concluded that Islamic banking can play a major role in the Algerian economy, as long as it works to remove all obstacles that hinder this transformation, especially the monetary and loan law, which was set on the scale of traditional banks and did not take into account the privacy of the Islamic bank.

the results also showed that Islamic windows constitute a strategic entry point for the transformation of traditional banks towards Islamic banking in Algeria.