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The Islamic Windows in the Algerian Public Banks: A Study of the Algerian National Bank's Experience

المصدر: مجلة أبعاد اقتصادية
الناشر: جامعة أمحمد بوقرة بومرداس - كلية العلوم الاقتصادية والتجارية وعلوم التسيير
المؤلف الرئيسي: Saadane, Assia (Author)
المجلد/العدد: مج13, ع2
محكمة: نعم
الدولة: الجزائر
التاريخ الميلادي: 2023
الشهر: ديسمبر
الصفحات: 235 - 249
DOI: 10.36539/1427-013-002-011
ISSN: 1112-8062
رقم MD: 1447939
نوع المحتوى: بحوث ومقالات
اللغة: الإنجليزية
قواعد المعلومات: EcoLink
مواضيع:
كلمات المؤلف المفتاحية:
Islamic Windows | Law 18-02 | Law 20-02 | Algerian National Bank | Murabaha
رابط المحتوى:
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المستخلص: This comprehensive study offers valuable insights into the intriguing realm of Islamic windows in Algerian public banks, with a specific focus on the Algerian National Bank's pioneering initiative. Despite the nascent nature of Islamic windows at the bank, this innovative approach has proven remarkably successful in attracting a substantial share of individuals' financial resources. The bank's proficiency in offering a diverse package of Sharia-compliant services and its active involvement in financing various projects have been key drivers of its achievement. However, the study also highlights areas for improvement. The Islamic windows' preference for low-risk formats, particularly the Murabaha structure, has led to a dearth of participation and sale-based financing formats. Addressing this limitation could unlock a wider range of opportunities for financial inclusion and growth.

ISSN: 1112-8062