معوقات التوسع في تطبيق صيغة التأمين التكافلي دراسة تطبيقية: على شركة ليبيا للتأمين

Abstract

This paper aims to identify the obstacles affects in the expansion of utilizing formula Islamic insurance (Taqaful) in Libya Insurance Company، especially after the recent orientation to use the Islamic financial system in most Libyan financial institutions. So، this study identified a number of variables، which may affect the expansion of using Takaful insurance formula. These factors are: laws and regulations، company's direction، financial ability، management efficiency and the external conditions factor. This study relied on the questionnaire method in the data collection process. From the results of the statistical analysis، it was found that all the variables have an impact on the provision of Takaful insurance formula in Libya Insurance Company. The state's general policy ranked as the first، the external conditions ranked as the second، the expertise and efficiency factor in the company ranked as the third، the law and legislations ranked as the fourth، The company's handicaps came in fifth place، and the company financial strength factor ranked as sixth Among the factors affecting the company's ability to expand the provision of Takaful insurance formula.