Takaful Insurance in Algeria Prospects and Challenges "The Experience of Salama Insurance Company

تهدف هذه الورقة إلى تسليط الضوء على موضوع التأمين التكافلي، بحيث سنتناول هذه الدراسة عبر العديد من المحاور بداية بمفهوم التأمين التكافلي باعتباره الصيغة الشرعية للتأمين عن المخاطر والذي يعوض صيغة التأمين التجاري. كما سنتطرق إلى موضوع واقع التامين التكافلي في الجزائر من خلال تجربة شركة سلامة للتامين وهذا بالوقوف على أهم انجازاتها وكذا المكانة التي تحتلها من خلال أزيد من خمسة عشر سنة عمل في مجال التأمين، وكما سنقف على أهم التحديات والقضايا التي تواجهها الصناعة المالية الإسلامية بالجزائر عموما وصناعة التامين التكافلي على وجه الخصوص، وكذا سبل و مقومات النجاح والطرق والآليات التي من شانه أن جذب ودعم نمو وازدهار هاته الصناعة في الجزائر لاسيما الظروف المالية الصعبة التي تعيشها الجزائر في الوقت الراهن بسبب تراجع أسعار البترول فكان لابد لها من البحث عن مصادر تمويل جديدة من بينها التمويل الإسلامي.This paper aims to spotlight the subject on the issue of Takaful Insurance. This study will take us through various dimensions, first we will illustrate the concept of takaful islamic insurance as a methodology to mange and control the risk which came to replace the traditional concept of commercial insurance. We will also discuss the reality of Takaful insurance in Algeria through the experience of Salama Insurance Company. This is by attaining the most important achievements and the position it occupies through more than 15 years of work in the field of insurance. We will also meet the most important challenges and issues facing the Islamic financial industry in Algeria in general and industry Takaful insurance in particular, as well as the ways and means of success, methods and mechanisms that would attract and support the growth and prosperity of these industry in Algeria, especially the difficult financial conditions currently experienced by Algeria because of the decline in oil prices had to search for Lader new financing, including Islamic finance

The reality of banking governance in Algeria

تهدف هذه الدراسة إلى إبراز الدور الهام لتطبيق مبادئ الحوكمة في القطاع المصرفي، الأمر الذي يؤدي إلى التقليل من المخاطر التي تتعرض لها المصارف، خاصة وأن التجارب الأخيرة في العالم أظهرت أن ضعف الحوكمة في النظم المصرفية يؤدي إلى انعكاسات خطيرة على الاقتصاديات القومية. ومن بين النتائج المتوصل عليها في هذه الدراسة  أن تفعيل مبادئ الحوكمة، والبدء بتطبيق قواعدها في الجهاز المصرفي الجزائري يعمل على التحوط قدر الامكان  من المخاطر التي تواجهه و يساهم في تطوير أداء الإدارة المصرفية ، مما ينعكس إيجابا على قرارات المستثمرين والقطاع المالي، وبالتالي تنشيط الاقتصاد الجزائري.This study aims to highlight the important role of applying the principles of governance in the banking sector, which reduces the risk to banks, especially since recent experiences in the world have shown that weak governance in banking systems has serious repercussions on national economies. Among the results achieved in this study is that the activation of the principles of governance and the introduction of its rules in the Algerian banking system are working to hedge as much as possible the risks facing them and contribute to the development of the performance of the banking administration, which will positively affect the decisions of investors and the financial sector and thus stimulate the Algerian economy

On gg-natural conformal vector fields on unit tangent bundles

summary:We study conformal and Killing vector fields on the unit tangent bundle, over a Riemannian manifold, equipped with an arbitrary pseudo-Riemannian $g$-natural metric. We characterize the conformal and Killing conditions for classical lifts of vector fields and we give a full classification of conformal fiber-preserving vector fields on the unit tangent bundle endowed with an arbitrary pseudo-Riemannian Kaluza-Klein type metric

g ‐natural symmetries on tangent bundles

The study of symmetries is a well known research topic in differential geometry with relevant physical interpretations. Given a Riemannian manifold $(, )$, we consider pseudo-Riemannian $$-natural metrics$$ on its tangent bundle and characterize conformal, homothetic and Killing vector fields of $(,)$ obtained from natural lifts of vector fields of

Report of the Tunisian Registry of Primary Immunodeficiencies: 25-Years of Experience (1988-2012)

International audiencePrimary immunodeficiencies (PIDs) are a large group of diseases characterized by susceptibility to not only recurrent infections but also autoimmune diseases and malignancies. The aim of this study was to describe and analyze the distribution, clinical features and eventual outcome of PID among Tunisian patients. We reviewed the record of 710 patients diagnosed with Primary Immunodeficiency Diseases (PIDs) from the registry of the Tunisian Referral Centre for PIDs over a 25-year period. The male-to-female ratio was 1.4. The median age at the onset of symptoms was 6 months and at the time of diagnosis 2 years. The estimated prevalence was 4.3 per 100,000 populations. The consanguinity rate was found in 58.2 % of families. According to the International Union of Immunological Societies classification, spectrums of PIDs were as follows: combined T-cell and B-cell immunodeficiency disorders account for the most common category (28.6 %), followed by congenital defects of phagocyte (25.4 %), other well-defined immunodeficiency syndromes (22.7 %), predominant antibody deficiency diseases (17.7 %), diseases of immune dysregulation (4.8 %), defect of innate immunity (0.4 %) and complement deficiencies (0.4 %). Recurrent infections, particularly lower airway infections (62.3 %), presented the most common manifestation of PID patients. The overall mortality rate was 34.5 %, mainly observed with combined immunodeficiencies. The distribution of PIDs was different from that reported in Western countries, with a particularly high proportion of Combined Immunodeficiencies and phagocyte defects in number and/or function. More is needed to improve PID diagnosis and treatment in our country