ضمان الودائع في المصارف الإسلامية : دراسة تأصيلية مقارنة

Abstract EN

This research aims to explain the jurisprudential rooting for deposits insurance in the Islamic banks.

As a result of the global expansion of Islamic banking, and the desire to keep up with surplus banks to compete them, the need emerged to find a possibility of insuring investment deposits.

Many adjustments are found to this matter, such as measurement on joint worker, or guarantee the bank for deposits because it is a mediator between Mudareb and owner, or guarantee third party investment deposits whether third party is Cooperative Insurance Fund or government.

The researcher discussed these adjustments and saw that the insurance of deposits are completely forbidden, and there is no need to the insurance originally, because most of Islamic banks investments are Murabahat and Ijarat.

These contracts are less risky; in addition to that, the Islamic bank can use another ways, which protect investment deposits from loss.