الاثار الاقتصادية للتامين التكافلي دراسة تطبيقية على المملكة العربية السعودية خلال فترة 1425-1435 هـ
Title This is a supplementary research prepared for a Master's degree in Islamic Economics during the 1436/1437AH academic year. The research is made up of a preface, three chapters and a conclusion with a set of findings and recommendations. The researcher chose to write on this subject in a desire to contribute to enriching research in this subject for its economic and social importance and he aims to present the basis of redistribution in the Islamic economic system and to extrapolate its provisions and derive its implications and economic effects. The researcher has shown the importance of redistribution and its importance in society. The study was characterized by combining the concept of distribution and its tools in the positive and Islamic economy and by conducting an applied study on the institutions of redistribution in the Kingdom of Saudi Arabia. That was accompanied by many statistics that document the important role played by the institutions of redistribution in society. The importance of this study emanates from how redistribution shows its effects on work, savings, investment and consumption, as well as the its role in reducing the problems of inflation and unemployment, achieving economic and social stability in the society, bridging the differences between the classes of people and spreading the spirit of affection, peace and social security. It creates sources of income for the have-nots and provide enough to ensure a decent life for all individuals, especially the poor and destitute. The researcher also recommended that efforts should be made to take care of such subjects until public and university libraries are overflowing with such themes and are made available to researchers to build on and benefit from them. The primary and secondary references used in this research are varied between jurisprudence, historical and economic, as can be seen from the review of the list of references stated at the end of the research.
الباحث الرئيس ناصربن بخيت عيد السميري
التخصص: الاقتصاد الإسلامي
المستخلص: عنوان البحث: الآثار الاقتصادية للتأمين التكافلي.
أهداف البحث: من أهم أهداف هذا البحث ما يلي:
1-إجراء مقارنة بين التأمين التجاري والتأمين التعاوني.
2- فهم وتقصي للتأمين التعاوني والآثار الاقتصادية المترتبة عليه.
3-إجراء دراسة وصفية تحليلية عملية لآثار التأمين التعاوني.
منهج البحث: المنهج الوصفي التحليلي، والمنهج الاستنباطي.
محتويات البحث: اشتمل البحث على مقدمة وتمهيد، وثلاثة فصول أخرى ،هي:
المقدمة: سبب اختيار الموضوع وأهميته ومشكلة البحث وفروضه وأهدافه والدراسات السابقة
التمهيد: مفهم التأمين التجاري والإسلامي
الفصل الأول: مشروعية التأمين التكافلي ومبادئه وضوابطه
الفصل الثاني: أثر التأمين التكافلي على القطاعات الاقتصادية
الفصل الثالث: دراسة تطبيقية للتأمين التكافلي على المملكة العربية السعودية خلال الفترة 1425-1435هـ
ومن أهم نتائج البحث:
1-أن التأمين التجاري هو الذي يقصد منه الربح.
2-أن التأمين التكافلي هو تحويل الأضرار التي يقدرها الله عن ساحة الفرد إلى ساحة الجماعة لتخفيف الضرر الواقع لعيه.
3-هناك إجماع من الفقهاء المسلمين على جواز التأمين التكافلي واختلافهم في التأمين التجاري
ومن أهم التوصيات :
1-نشر الوعي بين أفراد المجتمع بأهمية التأمين التكافلي.
2-التوسع في تطبيقات التأمين التكافلي
3-سن القوانين المناسبة لصناعة التأمين التكافلي.
Abstract: This research aims to achieve the following objectives:.1. Comparison between commercial insurance and cooperative insurance. .2. Understand and investigate cooperative insurance and its economic implications. .3. Conduct a descriptive analytical study of the effects of cooperative insurance. .The research adopted the descriptive analytical and deductive approach. .However, the research is divided into an introduction, a preface, three chapters and a conclusion. .The introduction included the reason for choosing the topic, its importance, research problem, objectives, hypotheses and previous studies. The preface dealt with the concept of commercial and Islamic insurance. Chapter 1 was on the legitimacy of Takaful insurance and its principles and controls. Chapter 2 was on the impact of Takaful insurance on economic sectors. Chapter 3 was an applied study of Takaful Insurance on the Kingdom of Saudi Arabia during the period 1425AH-1435H.However, the main results of the research are as follows:.1- Commercial insurance is the one intended for profit. .2- Takaful insurance is the conversion of damage destined by Allah from the individual arena to the community arena in order to lessen the damage he is supposed to suffer. .3- There is consensus among Muslim jurists on the permissibility of Takaful insurance and their difference regarding commercial insurance. .The most important recommendations are: .1- To spread awareness among the society members about the importance of Takaful insurance. .2- To expand Takaful insurance applications .3- To enact appropriate laws for Takaful insurance industry.
المشرف على البحث: هاشم إبراهيم الطيب
تاريخ إنجاز البحث: 09.01.2015
تاريخ المناقشة: 02.03.2016
أعضاء لجنة المناقشة : هاشم إبراهيم الطيب,صلاح تركي عطيوي الرواشدة,ابراهيم بن مبارك دهمش السناني,