متطلبات إنشاء مصارف إسلامية وطنية كبديل عن النوافذ الإسلامية في الجزائر
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Date
2025-07-25
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موسوس مغنية
Abstract
This study aims to shed light on the necessary requirements for
establishing Algerian national Islamic banks, as an alternative to the
Islamic windows that have recently spread. This is done by approaching
the reality of Islamic banking in general and in Algeria in particular and
its institutional framework of Islamic banks and windows. Then, we
study international experiences that have dealt or are dealing with the
dual system within their banking structure, to extract from them the most
important requirements and propose models for establishment and
comparison between them, in order to come up with a model that suits
the Algerian banking environment, using three approaches: historical,
descriptive and analytical.
The study concluded the importance of having fully operational
Islamic banks within the banking structure, and their role in correcting
the path of development of Islamic banking in Algeria, in the event that
they are coupled with an appropriate regulatory and legal framework,
and a supportive financial, human and technological environment. After
studying the various possible models of establishment, either through
transformation or through full establishment, the model closest to
application was reached, which I proposed to call the Dual
Establishment Model (DEM), which combines the transformation of
Islamic windows into full entities and stimulates the establishment of
national Islamic banks.