ظاهرة التحول نحو الصيرفة الإسلامية في الجزائر : الدوافع و المعوقات

الملخص EN

Algeria has witnessed a trend in recent years towards Islamic finance - a banking and insurance industry - similar to the rapid spread at the global level, and even the increased interest by Western circles in these products.

Algeria's interest was the result of a growing religious awareness of these options offered by the Islamic financial industry that take into account values, ethics and adherence to Sharia controls.

The Islamic branches adopted foreign banks and established financial windows, which represent an ethical and practical alternative to what traditional companies offer.

However, this modern experience is still limited in Algeria and faces challenges, perhaps the most important of which is the lack of clarity of the legislative path on the basis that these Islamic financial institutions are subject to the same legislation and provisions that apply to traditional financial institutions - the currency and loan law, insurance law, and financial laws - which are laws that have not been observed When formulating the peculiarities of these institutions, as they differ in the intellectual sources, work mechanisms and technical controls, as well as the goals and objectives.

This paper deals with monitoring this phenomenon through Islamic branches and windows, and the focus will be on the Islamic banking industry, through the models of Al Baraka Bank and Al Salam Bank and the challenges surrounding it.