آليات مقترحة لتمويل فريضة الحج عن طريق المصارف الإسلامية

الملخص EN

This research aims to identify the appropriate and optimal contracts to finance the costs of performing the hajj rituals in the jurisprudence of financial transactions, in addition to proposing financing formulas in the medium and long term, and how the Algerian ministry of endowments and religious affairs can adopt a noble attitude towards the simple Algerian citizen with limited income, in addition to identifying one of the world's leading experiences.

the research has reached some results, the most prominent of which is that it is possible to finance through Islamic banks by providing the product to the customer based on offering lease instruments described in the debt, and it is also possible to benefit from the Jordanian experience through the establishment of the Hajj fund.

he also made several proposals, the most important of which are: that a hajj fund for savings and investment could be established, which would be from the proceeds of subscribing to deposit instruments and authorizing its owner to perform the rituals in the long term, in addition to the possibility of Algerian Islamic banks to take advantage of some contracts to finance the hajj in the medium term.