التأمين الإسلامي ونظرية المخاطرة

كميلي وديان, المرزوقي عبد النبي, الحشلوفي مصطفى

Abstract


THE RISK SHARING IN THE ISLAMIC INSURANCE

The Islamic Insurance reflects one of the many sides of the Islamic finance Successes. It reflects the modern developed concept of social solidarity which is basically built upon consideration of Public interest as a supreme objective that has the priority over the pursuit of mere profitable objectives. And this latter aim is characterized- As the case with most of the Islamic finance frameworks-   by being grounded on a number of basis and roles; the most notable one is the Risk sharing concept which aims at maintaining balance and parity in the Islamic finance relationships. In this context, we shall tackle in this article the concept of Islamic insurance and clarify the difference between it and the commercial insurance system. We shall also underline the whereabouts of the Risk sharing perspective in the Islamic Finance which stands out clearly when the Insurance Company invest the clients’ money which is usually represented in insurance payments (sums) or in the surplus achieved by Insurance fund after discounting all maturities. This relationship represents a partnership between insurance company by its work, and the contributors by their money.

 


Keywords


Keywords: The Islamic Insurance, Islamic finance, the Risk sharing concept

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