إشكالية توجه المصارف الإسلامية للتمويل بصيغ المرابحات على حساب صيغ الاستثمار: دراسة حالة بنك البركة الجزائري للفترة 2012-2019

الملخص EN

This study is concerned with the problematic analysis of the direction of the Algerian al-Barakah bank towards financing in terms of profit at the expense of investment forms, which is a radical difference from the thinking of the first founders of Islamic banks based on investment mediation rather than financial mediation through Musharaka and Mudaraba contracts.

the study concluded based on the indicators that showed the reality practices, what is in practice is the predominance of the logic of the debt on the logic of investment, to avoid risks that happened from other forms, in addition to the guarantied profits in Murabaha forms with the lowest risks and cost.