DE L’ASSURANCE CONVENTIONNELLE AU SYSTEME DE TAKAFUL PROBLEME DE TRANSITION : ESSAI SUR LE FONCTIONNEMENT DES BANQUES PARTICIPATIVES

• Main Author: Lotfi BOULAHRIR
• Format: Article
• Language: Arabic
• Published: Fatiha REGRAGUI 2018-06-01
• Series: Revue Economie, Gestion et Société
• Subjects: islamic finance, participatory banks, takaful, wakala, mudaraba.
• Online Access: https://revues.imist.ma/index.php/REGS/article/view/12612

With the launch of participatory banks in Morocco, the demand for traditional banking services requires the completion of contracts on all aspects. Access to a product also requires insurance contracts to complete the transaction in the standards. However, the adoption of the banking law 103-12 allowed participating banks to exercise their function without ruling on the texts relating to insurance in this area. The big problem is the question of the completeness of the contracts that are between conventional insurance in progress and takaful in a climate of wait-and-see attitude. The transition phase then requires which funding model? Is it a mixed model combining both a shariah product and a conventional insurance? Or a model of premature financing based on the products of the participative banks with an Islamic insurance system whose texts are not yet final? So much questions that deserves to be analyzed to know the insurance model that accompanies the conduct of activities of participating banks in the transition phase.