KATILIM SİGORTACILIĞI YÖNETMELİĞİ PERSPEKTİFİNDE İSLAMİ SİGORTACILIĞIN GELİŞİMİ
Journal Title: JOEEP: Journal of Emerging Economies and Policy - Year 2018, Vol 3, Issue 1
Abstract
Recently the Islamic Financial applications and products have grown tremendously within Turkey and worldwide. After long years of research by Islamic jurists, the financial products has been adapted to Islamic principles. Insurance applications has also been derived from these financial products after the 1980`s, named as Tekâfül. Tekâfül is an insurance term adapted to Islamic principles. It is a totally different application compared to rent, garar and gambling. Tekâfül, is an insurance system based on risk share & solidarity rather than risk transfer. In Turkey, participation banks, offer its customers not only banking products but also insurance services. The first insurance company which is adapted to Islamic principles was founded in 2009. However, this Tekâfül applications, has not shown growth within the İslamic Banking. Despite the fact that, there are no legal obstacles, Tekâfül applications has not grown within Turkey because there are no legal base for Islamic insurance and no protective laws for this sector of Islamic insurance. Due to lack of regulator legislation within the law 5684 of Insurance, its future has faced a great uncertainty. This is the main obstacle for development of the interest free insurance system. These evaluations and long discussions are published in formal paper of Public Authority 20 September 2017 and 30186 number and “Participation insurance and Working method and Rudiments”.The purpose of this work: is to inform about the growth expectations of Islamic financial product, Tekâfül.
Authors and Affiliations
Muhammed Hadin ÖNER
Keywords
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