دور الفائض التأمينية في زيادة الطلب على منتجات التأمين التكافلي: دراسة حالة شركة سلامة للتأمينات للفترة (2015-2020)‎

Abstract EN

This study aims to highlight the role of the insurance surplus in increasing the demand for Takaful insurance products, by studying the case of Salama insurance company during the period 2015-2020, being the only company active in the field of Takaful insurance in Algeria, where it was used the deductive approach with its descriptive and analytical methods by collecting and uploading data and informations related to the subject, and after conducting the study, it became clear to us that the insurance surplus is of great importance in attracting subscribers, but in the the Salama company did not contribute by a large percentage to the increase in the demand for Takaful insurance products.

this requires reconsidering the mechanisms of distributing the latter and making good use of it in accordance of Islamic in a way that would be an additional incentive for the demande for Takaful insurance products.