Islamic windows between the practical reality in the algerian traditional banks and sharia vision

Abstract

The study focuses on the Islamic windows in the traditional banks of Algeria in accordance with the provisions of Regulation No. 20-02, by highlighting the Islamic financing products available in these windows, as well as the introduction of all the impediments to their work, and by adopting the tool of descriptive approach for the purpose of theorizing the realities of Islamic windows, the remainder of the study was devoted to presenting the divergent attitudes of modern scholars about the phenomenon of the tendency of many usurious banks to open Islamic windows providing banking services that take into account the provisions and legitimate controls, in the light of the jurisprudence of the budgets as a pragmatic approach that allows the balancing of supporters to allow the opening and functioning of these windows and preventers , Through this study, we have concluded that the 20-02 system is already a good step, but it is a brief and insufficient response to regulate all Islamic windows products,  And the latter will not achieve what they want, unless they are well placed, With the will and sincerity to be a step for the usurious banks to turn into Islamic Banks.