إشكالية وجود الرقابة الشرعية و احترام الضوابط المنظمة للمعاملات المصرفية الإسلامية : دراسة حالة مجموعة من البنوك التجارية العاملة بالجزائر

Abstract EN

This study aims to know the existence of Sharia supervision and the regulations governing Islamic banking transactions provided in Algerian commercial banks.

A questionnaire was distributed to the employees of the three most important banks: the Arab Banking Corporation ABC, Al Salam Bank and Al Baraka Bank.

The results were elaborated using the SPSS app.

The study found that there is a juridical void about the validity of Islamic banking transactions, and this is due to the identical treatment with inerest based banks and the islamic counterparts by the legel system.

In which it determines the legitimacy of these product.

For example the murabahah sale, the bank is considered as the mediator and mot the possessor of what is sold, as well as the sources of the Islamic windows funds have not been fully separted from the commercial banks usurious funds.

In this case, the Algerian government must provide the necessary legitimate reforms to the Islmic products.