مجلة إقتصاد المال والأعمال
Volume 10, Numéro 2, Pages 1119-1140
2025-11-22

Islamic Banking: From Quantitative Growth To The Challenge Of Institutional Maturity -a Case Study Of Algeria



Authors : Djefaflia Sihem .

Abstract

This study examines the development dynamics of Islamic banking in Algeria and diagnoses its challenges, beginning with an overview of this emerging sector amid constraints on its full potential. Using descriptive and analytical methods with Bank of Algeria data (2021-2023), the results show rapid growth in Islamic financing and deposits, signaling major opportunities for expansion with notable public bank participation. “Salam” and “Murabaha” contracts dominated, while participatory modes grew modestly. Despite quantitative momentum, gaps persist, requiring integrated reforms to regulatory, governance, and legal frameworks to achieve institutional maturity.

Keywords

Islamic banking ; Financing ; Deposits ; Bank of Algeria ; Public banks.

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