IQTISODIY TIZMIDA TAKAFUL SUG‘URTASINING AFZALLIKLARI VA UNING ISLOMIY MOLIYLASHATIRISHNING MUQOBIL USULLARINI BAHOLASH
Keywords:
Iqtisodiy tizimi, takaful sug‘urtasi, islomiy moliya, axloqiy tamoyillar, risklanri boshqarish, iqtisodiy barqarorlik, moliylashtirish manbalari.Abstract
Ushbu maqola islomiy moliyashtirish doirasida “Takaful” sugʻurtasining ahamiyatining afzalliklari va moliyalashtirish amaliyoti yoritilgan. Shariat qonunlari tamoyillariga asoslangan “Takaful” sug‘urtasi oʻzaro hamkorlik va ishtirokchilar oʻrtasida umumiy masʼuliyat xavf-xatarni taqsimlash, birdamlik va axloqiy xulq-atvor tamoyillariga mos kelishini o‘rganilib, an’anaviy sug‘urta modellaridan ajratib turilishi izohlangan. Shunigdek, maqolada keng qamrovli baholash orqali “Takaful” sug‘urtasining axloqiy me’yorlarga rioya qilgan holda risklarni boshqarish bo‘yicha iqtisodiy yechimlarni taklif etuvchi islom moliyasining muhim tarkibiy qismi ta’kidlangan.
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