تقييم تجربة شركات التأمين الاسلامية الخاصة في كل من دولة قطر وجمهورية السودان (دراسة تطبيقية مقارنة)

Abstract

Abstract This research aims at studying the practice of the private Islamid Insurance Companies both in the state of Qatar and the republic of Sudan, particularly in the conformity of the practical experiment to the theoretical fundamentals of the Islamic insurance, with an evaluation to the financial performance, added to the acceptance level of the customers to the experiment. The general and Islamic concept of the insurance is covered, and the practical experiment of Islamic insurance in the state of Qatar and Sudan is compared through the above mentioned indicators. The results of the study indicated that jurists reject the conventional insurance contract on the basis of GHARAR (indeterminacy of the contract), and the main notion in Islamic insurance is to exclude insurance from refunding contracts and make it as donation contracts this made a principals to which insurance companies act. This comparative study also shown that the experiment of Islamic insurance, both in Qatar and Sudan presented an acceptable alternative for conventional insurance, with successful financial performance, that is reflected from not having loss since it ’s foundation. The study also reveals that the experiment of Islamic insurance goes conformed with the theoretical principals in proportion to 92.9% whereas the application rate come to make 85.7% in Qatar experiment corresponding 100% in the experiment of Sudan.