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.
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