مجلة المنهل الاقتصادي
Volume 8, Numéro 2, Pages 11-29
2025-12-20
Developing Solvency Requirements For Takaful Insurance Companies In Algeria In Light Of International Experiences
Authors : Krache Houssem . Almi Hassiba .
Abstract
This study aimed to develop the solvency requirements for Takaful companies in Algeria, based on the experiences of some countries (Malaysia, the United Arab Emirates, and Bahrain). This study used a descriptive approach, presenting and analyzing the quantitative and qualitative requirements, as well as the disclosure requirements for Takaful companies in these countries, including Algeria. It also used a comparative approach to identify the various similarities and differences between these requirements. This study found that Takaful companies in Algeria must meet the same solvency requirements as conventional insurance companies, particularly quantitative requirements. Finally, this study made several suggestions and recommendations on developing the solvency requirements for Takaful companies in Algeria and distinguishing them from those of conventional insurance companies. These suggestions relate in particular to investment requirements, the assessment and the recovery of the solvency margin, levels of intervention, qualitative requirements, and disclosure requirements.
Keywords
Takaful insurance ; solvency ; quantitative requirements ; qualitative requirements ; disclosure requirements
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