مجلة إضافات إقتصادية
Volume 10, Numéro 2, Pages 1969-1993
2026-09-30
The Development Of Islamic Windows Within Algerian Public Banks: An Analysis And Insights From The Case Of The National Bank Of Algeria
Authors : Ziani Farida . Ziani Lila .
Abstract
Islamic windows have become a key mechanism for integrating Islamic finance into conventional banks. In Algeria, their introduction into public banks under a dedicated regulatory framework marks an important step in banking sector development. This study examines the development of Islamic windows through the experience of the National Bank of Algeria (BNA). Based on a qualitative documentary analysis of academic, legal, and institutional sources, it identifies the main success factors, including an appropriate regulatory framework, effective governance and Sharia compliance, product diversification, and qualified human resources. The findings indicate that Islamic windows promote the expansion of Islamic finance, strengthen financial inclusion, diversify banking services, and mobilize savings outside the formal banking system.
Keywords
Islamic finance ; Islamic windows ; Public banks ; National Bank of Algeria (BNA) ; Algeria
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