الإقراض العرضي وتطبيقاته في المصارف الإسلامية
Texte intégral
(2) 02
(3) 15 ISSN: 1112-4938, EISSN: 2600-6456 . . . . @ @@@@@@@@NNNNNNNNNNNNNNNNNNNNNNNNNNNNNN@@@@‹öa§a@@ð†aìÛa@òÈßbu https://www.asjp.cerist.dz/en/PresentationRevue/202.
(4) 2018
(5) 02
(6) 15 ISSN: 1112-4938, EISSN: 2600-6456. 272. &' ( )*+%$ ,# !
(7) .
(8) 273. 2018
(9) 02
(10) 15 ISSN: 1112-4938, EISSN: 2600-6456. . íéÚø‰ý]Í…^’¹]»äi^ÏéfŞiæꕆÃÖ]š]†Îý] . . .**,솑^ßÚ‡æˆÂK# .*,êÞ^Êçuð^!_ . @ @@˜ƒÜß / 01 2 3 4 ,5 67 8 9 :;/ <! =>! ?! @ A2BC. $
(11) N 0! ;8 ?I FBJ C( 9GC K3 ,L:M 8 LBD : E FGBC %; O &
(12) P QR =C? 8 S+ =:T ( U V?W ? ,XP > K3 ,1 9 D _ % 8 Q@ 9 ] ^ I ,0?(:M $ :+/ : YZ )[! ? +b c GR X :C J d
(13) P
(14) Y
(15) `1> a. % 3 / 9G 4 4e Af Cg:P hi >C j3 8 klm. > D 1 ,J n( 9 P j3 ? `1> ?d. *G o: o 8 AB pML J L;?P =>! )P3 ,
(16) % + 1I! P P A : =CT S+. ,9 ] ^ I ,8 Q ,
(17) , : :p k LG %0?(:M $ :+/ @ @ò߇Ծa d$C r: ?
(18) , 4+s! GP n( t eK F 4 *< 8 k ?q AGe. ! , 4BC? AP B+ ! &<! AGu 4L7! 1Il AI? aT QI F 5 AGeP . ashoufani@yahoo.comK1 K א
(19) א א א.*, ،&'א+ ,-
(20) ./א01א2)،(א'& א אE#F !" #.**, menasra.azzouz@gmail.com?1? 2018y04y29 :Q vC 2018y02y24 :Q vC . . @ @@@@@@@@NNNNNNNNNNNNNNNNNNNNNNNNNNNNNN@@@@‹öa§a@@ð†aìÛa@òÈßbu https://www.asjp.cerist.dz/en/PresentationRevue/202.
(21) 2018
(22) 02
(23) 15 ISSN: 1112-4938, EISSN: 2600-6456. 274. aT h1P ,C 2:/ 8 Q +! B ^ :/ PP ~D 5 67 AGeP. %2D! P !. / I! ,9 :; S+ 0( 8 k ?I : ! +K j3 8 k ?q =M(. &?B:M Z I AB+ pML 8 k M > :+ P
(24) ,L+ 0(. k ?q ,Q +R `1> F q 4p Cb PJ c GlP 4*: F. 4: E / +b P] X : / 9 :; S+ 0( / o: 8 QC 01 ;AB j3 8 F 9 :; =C? FB]: o: k ?q ! ,C?L: d
(25) P. Af Cg:P >C j3 lL AP ,o> D /
(26) ,&?; AP j3 % 4: E F+ X(: ~ hi 1 93 , 3 / 9G 4e. 01 ,@ YZ :8 A4M 4 =g:LC o: 8 k ?q F 4L7! 8 ?I FBJ 0( 2 3 KD j3 8 ? 8(C LB+ 8 P 1> / ,8 k K J k/ pD AGu 1Il. 9! D %9 ] O &?p:M 4m c ! *: F+ 6IR 1> L k/ /3 9B] NpK k4M kr:+ ;*< & ! A G P & 67 8 k ?I n (>. ?( 9! C ! 4;B n( 4? h1P o4 , 4; 7 F eG ? P % ( hi . 9 ] k P I ,C?(:M k$ :+/ + n( @ YZ )[! A2B:. J3 ,C?L: d
(27) P Y
(28) `1> E +5 Ci f &?+ $< K ,8 Q. pJ pL: A;?P $ 3 j3 _ ?( klm 8 O F ?C? j3. % 4: E S+ +b. 0B(: K m 5 AGeP @ YZ N :g J ! −1 e( ! B a ! :g: ( XC e eK oG P aL XB: j3 M o4 ; `1> ! )r (> F %C?
(29) : P R aL i3 Z I < q & : $ _ k k L: 4:P : ? 1 & +b A;? =C?. Q +R C Q ¡ _ + (
(30) & pD 1D ,K < F 1> o XB: . F ' X +b k L: X (:C P 0?L: iB( F &iIl_ 8 . %I K <. &' ( )*+%$ ,# !
(31) .
(32) 275. 2018
(33) 02
(34) 15 ISSN: 1112-4938, EISSN: 2600-6456. :¢£ QM g Gu3 7 Z FGBC a S+ (P :g Gu3 −2 ? C?L: YZ
(35) O D : : +p L¥R QI F 2D! Gu ¦ S: ?8 / ¡ =>! ? P $
(36) − ?
(37) YZ o> −. ~! c! XB:BL CB(: k < gL Y
(38) +b A;? P : A> −. ?C j3 < gP ) .
(39) $ j3 g :g ?>! −3 :£ ?>R ag: L: F
(40) +b A;? =>! P L: k L k :u X¨ −. %L:M &? BL+ &$ 4:LG> X< $
(41) . k LB F &$ p:/ S+ d ? 9 P QI F _ ?( & pD )P3 −. ©$ PJ O3 _ O pML X :C / P >CT C?L: G(. % Cb. L S+ d ? ? ,
(42) YZ A;?P )P3 −. %' o XB: k < . &$ _ XBm MsR ` :+ P «Lg: opZ ª4( S+ ? k?B:+ :g ª4( −4. Z X: h1D ,: e ( g L:C , 4LLT BL ? ALT
(43) YZ Z ]¬! ,Z . % k B: L : k < 4:P :. :j3 ? =M Gu S+ P < J O ®: :g I−5. %X: ª4( ?C?T ?>! 1D ,: Gu3 :! g P C: S+ LB:u :?. P C: Q ( :8 @ :QR g . 8 9 :;/ Z
(44) I )P3 ,8 9 :;/ s! ?! ` :+ P + p
(45) P 8 . %/ ¡ L: > A
(46) p: = , AC?D o. AG o4p G:L 9 P :
(47) @ YZ :# 2 g . X
(48) +b A;? L: + , k/ ¡ @ @@@@@@@@NNNNNNNNNNNNNNNNNNNNNNNNNNNNNN@@@@‹öa§a@@ð†aìÛa@òÈßbu https://www.asjp.cerist.dz/en/PresentationRevue/202.
(49) 2018
(50) 02
(51) 15 ISSN: 1112-4938, EISSN: 2600-6456. 276. %XB: S+ o 8 S+ > 9 P 4B S+ *D =>! j3 J3 ,g Gu3 m QI F 43 AZ: ª; :( (B] : q. % ? XL: o: £ k Z:. @ @À‹—¾a@Ò‹ÈÛa@À@ïš‹flÈÛa@$a‹Ó⁄a@ZÞëþa@Šìa ! S+ >$ 3 o M KG ,
(52) AB N; t e( r:C. 8 9 :; LB C( Km + <:C @ =4p ,X %¢lC K P c( > C?L: Q Gu! D ABeC X ¯L
(53) BD :8 9 :;/ C −1 9Z! 9( = &*B : F (BP L 9 :;/ :9 :; 0L C: −!. ? ,.1,aC?
(54) : I£ ,L 9G > ( ,K q ?J K R ?! 9 P : %.2,$R 2 # BP 9 :;/ (. ,Credit (<R BLGL ¨ 9C$
(55) :/ 4?:MC LZ! ggZ P+ BLD 9 :;/. % « K 9! ¶ ( e o: 2 o( o>. ` :+ P ,8 AB
(56) + 9 :;/ 93 :8 9 :; oZ/ C: −^. :L AP ! $( F YL XJ F h( FG ·4 , +
(57) &leK ¶ ! &$?f () &p $?f 7 c?:MC , 4(P cr p/ MGC ?; + AP ,LB+ ?C T. AU L QB t e(L : C?( k ?: C pD k ? 2 9! ?P hi J3 k K J =C?:P AB C 9! > ?C o: QR h(L ) ,g O . %.3,¸h( 4LC I! O 0! F ! (+ . 9GC ? K3 , pUP &5 K & ¹ P N 9 :;/ (. %9 :; P :K. =C? ·4 ! %$ :+/ :: ! Z S:C 8 9 :;/ . F ?4 ·P ?
(58) C $ :+/ ,.4,¸ AB j3 8 A F &? $ Q _ F YL. / , eC ( gMC ( &? QI AB 8 T Q _ F YL XJP 8 A %.5,¸ LB:M Y S+ /3 ?;p X?C. 3 j3 QC / ? 6IR 1> 9! ,$ :+/ ABeC X c4p 9 :;/ (. &' ( )*+%$ ,# !
(59) .
(60) 277. 2018
(61) 02
(62) 15 ISSN: 1112-4938, EISSN: 2600-6456. %«.
(63) P X$ C?L: n( 8 9 :;/ CP 93 :o 8 9 :;/ −. %8 9 :;/ Q q 44p $ 3 j3 . LB o 8 4C o: 2 slP ·o 8 9 :;/ + ?. =:C 9! S+ ( & QI $?f 7 ?:/ p
(64) &$?f L ! YL 3 %.6,¸ P 4L+ ap: tb .LMyYL , B $?. C?L: n(
(65) 9 :;/ ( :I ?<C / s! » . >
(66) 9 :;/ 9! 67 ,;B+ 8 P B; ¶ ! o> 2 . /3 ¯
(67) / k $( 9! j3 J3 ,o t e(P 1 P FC$. S+ c o: C?L: n( NG+ S+ 0$
(68) : t eK ACB:D I 8(P i3 %$( & :. @ C −2 :@ : J DBL 0L C: −! X$ ! .8,` J :: «2 F 4 4p Z ! ,.7,X o(C −. %.10,L2 ! ?P $P ½ hL s! ]¬! C %.9, `1I! Xp( A 67 L2 QB:. / 9 MK +3 > ? 0>< (
(69) ~! ? k Z/ `1> FB: . % >67 ! Ob &$ C) 9$ A2 $ S+ >?Dl X j3 $ A S+ `6 ¾ 2G (P $ ] . − −,¸@ @+ @ · $ o2 Ap F @ @ − %.11, Q ¿ 01 À Á À > ,? AZ! j3 X< d2D X o> ,+ ¾ + @ @@ + ! @ @+ ,Ã @ Â À+ @ Q C , 5! 4U : J À JÂ @+ Á À ½ @ @+ @ ¾ Z ½ @ @ @ +Á %.12,aC ! 4( eq 9G D JÂ @+ ¾ aCP 9 D : JÂ @@ + ! ,AZl: 67 ,0>< 67 @ À @ @ c$ / _ = Ã @+ %.13, C ! ?
(70) 67 F ?
(71) :8 @ Ä oZ/ C: −^. ! &?P C ? 8 9 :;/ s! F +K 9GC 9! ?C / @ 93. AP , $?f C S+ −O/ M −2C ¦ ,&5 67 8 k4M: 4(. I c4p J A<! F ZR `1> K h1 ,8 LB Z 4B @ @@@@@@@@NNNNNNNNNNNNNNNNNNNNNNNNNNNNNN@@@@‹öa§a@@ð†aìÛa@òÈßbu https://www.asjp.cerist.dz/en/PresentationRevue/202.
(72) 2018
(73) 02
(74) 15 ISSN: 1112-4938, EISSN: 2600-6456. 278. %9 :;/ F C? AGe 1 &*B ' ( L: S+ AB:eC. :P AB ( ?p:MC 01 2 3 > @ · :$Å o QC. I£ ABL Æ s! K F ?p : 14 ,k LB s! ÇP 8 8 ,« 1> $<P 9 (¥BO P o: < ? : 7C 01 / $
(75) N 9R ,I£ ?
(76) F $K X?C / 1> . K ] MpK ? ? −hi X − 8 FG ,k LB F ( 1> −?:P – $ . c ,6 ` c*: o: Y X$ j3 LP
(77) AI?: = 01 AB L: + 3 > AP , A<! $
(78) N (G , J3 r:C X? 1 8 . %.14, ¸$ P BL g:M 9GC ,k. 9R ; 5 0! :M 9GC / @ 9! C: 1> F ¯]:C aM p S+ (P c*L ?(+ ( GB: P ! «p =C?: P $( : N ( 5 . 4 AZR 93 ,9 :; S+ 0( 8 ?I X ¡? 9GC K3 ,AB 8 P. ; O K FG ,`?(+ F &?p:M 4L _ Y `1> =C?:P AB c*:LC 9! o: , k g:M X$ ABT j3 ]C 9 ] P 4m `1> c ! 8 c*: =GgP ,L+. 8 a F ,L+ ap: 67 + AGeP ABL 8 F J3 r:. %LB+ F $ P. N h( AI? · o(C 01 , ] P $ :+/ = P @ C D ,X AGu S+ K J =C?:P K3 ,M 8 T QR XJP ! 5 P. S+ AB ?(:MC h1 ,6IR 1 È _ *D j3 ?(:MC 8 X F+ Æu ( $ :+/ hi $C ¦ I! 4< F Q! S+ Q
(79) M ! , LB+ ) K X: 1>. ¶3 /3 =:C / h( F QR X$ 9R , 7 h( 1> K*I F QR I j3 %.15,¸?C?M: F+ >*+ ! M . =GgP 2 4< ?(+ LB F ]D 8 AI? k/ 9GC 9i3 @ . $
(80) N 9! 67 ,É :D ?(:M S+ 4C 01 `6ul ! :P hi ,¥L :B %; O &
(81) P QR =C? 8 S+ =:T ( U V?W ? XP > K3 ,1. (C$ A2BC / ,5 AGeP ?( Q : P oC / 9 :;/ F ( 1> 9! D. ; pC3 ?4:P 9 :;/ O 4 cW / o: /3 8 ` AB S+ 5 &' ( )*+%$ ,# !
(82) .
(83) 279. 2018
(84) 02
(85) 15 ISSN: 1112-4938, EISSN: 2600-6456. &5 k *: k4M: `1> ¯
(86) `1> op ,?p:M c ! &5 *:/ FG ,&?p:M 4m c ! 9 J KG 0 Z 8 3 9! o(C E ,.16, 8 S+. %9 :;/ LB+ L+ « ¯
(87) C Z I :K. ? ! 8 ?q X =:C 01 8 A4M: ·slP @ ZC D. NpK k4M kr:+ D 7 & 67 8 k ?I n (4 , 4 ª?(C. 4? o: K ?( k4M r: ?P o> 4; 7 F eG ? P. ABeC 8 A4M AD· ~! D ,.17, ¸ ( hi ?( 9! C ! 4;B+ j3 n(. F Ê j3 o4:( / ? ,Ap P j3 o4:( ? o: k K ] k/ pG A F 9 D . F ,/ ! / J3 j3 k$! i3 + ( XP 9B] k*C* 4< F o4 ,hi. %.18,¸9B] AB F+ J+ ( Y X?P 8 c I! 4<. 8 ?I X ª?(C 9! 0 ¹ F K3 $p( le(C / s! @ AZR . h1 ,6IR 1> ` LB+ )* 2 c ! ( J 4 8 9GC. P 3 + eK j3 0$C E *: P S+ AB L:P 7 aL: ( k/ %=:f 3 j3 QC ? 5 67 3 4 ! F ] 8 9B] AB. k$ :+/ 8 9 ] k P I
(88) @ k/ )[! A2B:. =M: 9! ?C %.20,K :;/ k ]C F n (> 9! 67 ,.19,8 Q C?(:M . (P Ëe ` ?
(89) C ?(:M ·:> K :;/ G( C 9R ,¯ZR > QR. FC? : : F A k Ce B X?P ?
(90) 4 c*:LC 4(P p ! ?+ S+ PgM X$ ,<BP k ?q C$l X QP Â M ?Z3 ]+ h(P X. %.21,¸ k +? `1> p:/ ?P A S+ ?
(91) < = ,n( F C?( 4L > ?
(92) P ?:P &$< K :;/ K 9! C: F L< 4C. p:/ L+ < hi ?P F ,&?p:M 4m c ! LB+ F+ 5 X? 8 È:P. 9GC @ 9! ,5 $
(93) F 14 ,h(L _ . X?P ?p:M 4< 8 S+ =:T ; O ! 5 *: F+ AB L L+ ap: A<! 0! () &? 9 :;/ P 9! ?K hi j3 J3 ,. %$ P BL ag:M @ 9!. 8 ?I FBJ 0( 2 3 ·:slP @ C FGBC a S+ (P. 8 P «p / ,8 k K J k/ pD AGu 1Il 4L7! @ @@@@@@@@NNNNNNNNNNNNNNNNNNNNNNNNNNNNNN@@@@‹öa§a@@ð†aìÛa@òÈßbu https://www.asjp.cerist.dz/en/PresentationRevue/202.
(94) 2018
(95) 02
(96) 15 ISSN: 1112-4938, EISSN: 2600-6456. 280. %¸&?p:M 4m c ! _ *: F+ 6IR 1> L k/ /3 9B] AB. 8 @ Ä &*B Ë;
(97) q −3 L: F `67 F+ `*BC
(98) ;
(99) I )P3 ((GBC , c4p J ?P. : : t ( 8 9 :;/ Q Gu!. 2 c ! 8 c*: 4 ,5 67 8 # :; A4M @ −. % F ] 8 9B] AB P KC? + (+ ª:(C. 8 ?I X =: 3 > K3 L:M &$p( &
(100) P @ XC / −. ?q ¶ l ,( &?p:M 4m AB P È c*: 0! ! ,9 :; S+ 4 ! 0( % 8BL _ > < > ? 8 . LB F 2 c ! AB i ? *C* > @ −. %/ c! 1> aT. :B $$ F 8 9! 0! ,$ P BL ag:M @ −. % C K
(101) AI? 01 LB+ F +? . F ] 8 ]3 $ tu/ K ] P $ :+ > @ −. %PL k?4:. c ! ?C?M: F+ `*+ ! AB ¶3 /3 ag:C / @ −. %&?p:M 4m. pD ! 9 J L: o: 8 k LB 4L7! &$?f k/ ¡ @ −. =C? QC ? 01 ;F ] 8 :o> ! O! $< tu 0! ;AB F ]D ; ]P 8 AI? te o: &?p:M 4m 9B] AB ,. %Z I k/ 4 p: P ( ?p:M ? o: , _ 4. ?C? ?(+ J k/B ,;?:P/ k/B @ ?;+ A2B: −. % LB+ aT < L
(102) g ?;p j3 J3 ?q. AD ~R AB 8 P + 3 $<P &?p:M 4m =L / −. %hi F+ L ! 8BL X? P AB c*: 8 F _ 4 :M QR k/ ¡ −4. `1> )[! ,9 :; S+ 4 ! 0( 8 ?I X @ =g:LC. &' ( )*+%$ ,# !
(103) .
(104) 281. 2018
(105) 02
(106) 15 ISSN: 1112-4938, EISSN: 2600-6456. %8 Q ,0?(:M $ :+/ ,9 ] ^ I :k ?q 9 ] ^ I−1−4 oLC 9! > I F ^ I : "9 ] ^ I" J DBL 0L C: −! ! LpD 0! F@ B¾ J@ F 9 ] ! , .22,$ D 0! O I F o> cG ^ q ,@ Á IÀ %.23,c*:/ pG 9 ] ,;$! 8 ? (+ 0$C 9! c*: k ?q F 9 ] ^ I r:C :8 9 ] ^ q oZ/ C: −^ AP ! YL X?P AB LO S+ (P h( F ?
(107) C o; ~ ?4 4· ,2C? 8 . h( ` ?
(108) C É :D ?4 > ¯J! AGeP ,.24, P h( ?p:M C 9! $BP :L. ( &? QI $?f YLBP QpG LB+ c*: 9 ]P <BP ?4:C ,LB+ LO S+ (P tbP AI! ! *: P AB Ae Q QpG ! F;? 0!,I O ` . %.25,6 ` ? :. :F 9G:C 9 ] ^ I 9! ¯]:C pC: FC1> QI F. O 4U P :D 9GC 9! teC ,9 ] ^ I J S+ Q? É :G ?4: −. %K J 8 . %&?p:M 4m ,9B] ! AB ,F ] h( ! 8 :(+ ¥u ( O! −. 8 P + 3 j3 QC ? 01 ^ q J È _ YL ,9 ] &? −. %?p:M c ! 6IR 1> c*: c?+ AB 0?(:M $ :+/ −2−4. Q C ,lG 0! ?B:+ F :$ :+/ :0?(:M $ :+/ : J DBL 0L C: −! %.27,lG L+ ?B:+ 0! ?( F 0?(:M , .26,L+ AG: K ?B:+ A4M: · s! S+ 0?(:M $ :+/ j3 (C :0?(:M $ :+ oZ/ C: −^ ^ M k$ :+ ¯: F =4(G FC$ :M 4;B
(109) g( 01 È _ %.28,¸
(110) S+ Q
(111) / FGBC q FC ?
(112) . I FB ,< q & : o> 0?(:M $ :+/ k/ ¡ L7! 9! C: F ¯]:C. PL 2 )*C s! D , ? S+ ?
(113) $ :M F AD gL
(114) »p FGBC. ?
(115) $ :M P C: P ?P cC 8 ,0 : A : @ @@@@@@@@NNNNNNNNNNNNNNNNNNNNNNNNNNNNNN@@@@‹öa§a@@ð†aìÛa@òÈßbu https://www.asjp.cerist.dz/en/PresentationRevue/202.
(116) 2018
(117) 02
(118) 15 ISSN: 1112-4938, EISSN: 2600-6456. 282. X; ] F LC $ :M o ?
(119) < : pGP 8 c*: aCO F+. %.29,X ?+ P c*: X? $ :M < : pGP cC 1D ,k pZBL ¾ CÀ 0?(:M $ :+/ ?K 67 $ :+/ B F *m F+ $ :M F AG K :; ?< + ] GL Q :K k?(:M =C? L:C sR 0?(:M $ :+/ P oB¾ À , ?
(120) BL h1D X :+ 8 ,.30,C : k CM:P ~R h1D ,0eBL X; F. F+ ?p:M c ! _ k g:M X?P 8 c*: ?(+ 3 + V?W ? AB %0?(:M $ :+/ @ Af > 1> ,LB+ 8 Q −3−4 Â À @ ,(BJ LpD 0! 9pP A F Q :QL 0L C: −! O F+ `1I! :/. %.31,O I. +B¡ K 8 QL a$ c4p ] :QL oZ/ C: −^. %C : F. `1 A L+ ^gM ?P 8 c F+ & + 8 Q :QR C: −. (> ,AB A :C 01 I£ ! LB+ L+ 4gMC o: ∗ C : p
(121) %.32, 4 g: A<! QL ?(+ ABT o: C : B X?P AP 8 c*:LC. ¯
(122) : , >*C* C : S+ h( Q aCO F+ Q W AB 9! 0!. F 4:B X?P c*:/ o(C Q 9R ;I h(P ! h( 1> ? =
(123) q Q?: LP % AP 8 . :pM B X?P P :D L+ ^gM F+ ?
(124) C ?4 · 8 Q :# 2 C: −. ∗. %.33,¸ g:/ ?(+ 4:BP L Í ! 9 J > gM 1>. F+ X(:BC 9! ) / L+ ^gM F o k P c*: sR L 9 J > Q . o: BG P 8 Q Ë:¿ , 4 g: ?+ A i3 BG ! :pM BP . X?P L+ ^gM j3 M F $ Z ! FB]: OR · ~! S+ . %.34,¸ :L AP ! $ ! O/ $BP ?p:M > Q _ F YL. É :D ?4:P N BG 4U S+ L+ ^gM X]C 9! P :G F ?
(125) C. %.35, d1P L:M BG 9G: , 4(+ A
(126) p(. &' ( )*+%$ ,# !
(127) .
(128) 283. 2018
(129) 02
(130) 15 ISSN: 1112-4938, EISSN: 2600-6456. ?( B X?P L+ ^gM c*:LC <BP ?4 · :8 Q : 2 C: −. ! ,A L+ ^gM P + Æe(C ?4: 1> , g:/ vC :P ?p:MBL gM. X?P M ! 1p( AC : C7 h1D C ,6 F ?C L+ ^gM 9 hi A. %.36, ¸+J ?pC P L+ X: P ?(M B. h( ¯Z! Q P 4L+ ?(+ FG 4(+ o(<! 4 BG P + / h( . % ? L AI$ h1P 4 g: vC 4:B X?P «ZR c*:L . :£ ' ( P *B:C 8 Q 9! ?K P M k pC: `1> QI F. c*:L > ¯
(131) C AP 8 9! 0! ,Q P BG S+ 6ul > 8 Q −. % g:/ ?(+ 4:B X?P «ZR. :: BGL AP 8 c*: F+ p:C −. = ,X? P cC h( 9 BG B X?P AP 8 ? ^ M ABL 9 D i3 *. %C? AB ^ M F FC? K m YL ?C. j3 X? Qg:C ,X? j3 6IR 1> ]C h( ? X? AP ABL FGC ¦ i3 *. %&?; pP . ABL FGC ¦ 8 Q F XC @ 9 a QI F. %?p:M c ! c*:/ `1> 8 ABT , ;*< ! LD h( ? X?L AP ? BG P 8 Q Ë:¿ i _ :È : QÎ M: 2C 9! FGBC (> F >67 F+ BG P Ë: ,k K ] F +K 8 Q r:C . ,tb 67 ! FB]:C ^:G # :; ?(· he ,R ?(M he D C : R Ëe D1 L O/ $BP X?P `$K $C 01 h( j3 M 4<C. he ! 9 :; &$! &6IR `1> 9D BG F+ L:¿ h1P ,.37,L ! Ki ! ?
(132) P 9GC L+ ^gMBL BC? ,O/ ? X? < &$! 4. ¸FGC ¦ 9lD Q 1> r:+ Ï! Q P L+ ^gM L+ X 93 ,QL N. ?4:C ,9K 4L+ ËK LGu J! a ^:G #i3 # :; ?( ·4 R ?(M ! ,.38, vC L+ O/ $BP $( F ( L X?C 9lP t5 S+ aL 67 ?4 ` f ?4: :O S+ AB:eC R ?(M ,.39, ¸Ki ! ?p:M gL
(133) : AP ! &;$ 6IR 1> QI? D g O F `CT 9 È : P,?p:M X? P. ?(+ :B P «ZR c*:L 4 I! & L+ J < 8 c*:/ @ @@@@@@@@NNNNNNNNNNNNNNNNNNNNNNNNNNNNNN@@@@‹öa§a@@ð†aìÛa@òÈßbu https://www.asjp.cerist.dz/en/PresentationRevue/202.
(134) 2018
(135) 02
(136) 15 ISSN: 1112-4938, EISSN: 2600-6456. 284. ^gM ,?p:M L+ ^gM O! ki o4 BG ! , g:/ %.40,8 4P FBJ AI? BGL C 7 j3 6 F ?C L+ %J n( C D @ −5. $ :+/ 9 ] k P I ! L2B: ,@ k/ ¡ MP n( <. 9B] AB 1p( c?+ ?p:MBL LBP &O 8 Q 0?(:M . , c*:LC o: k?4: : D k K J ( LC ? h( 9 1 , *:/ % 7 k K ] `1> BM LO S+ (P. 0! ; eG S+ k P q k/ pG `1> h( ?
(137) C ? k/ . Q! ? O BMP X:B: &6D D5 AB 9 D i3− ?< $?f K − 7 9$ k K G Z
(138) I Km X¨ F AB $ j3 J3 , 8 ? &62D. F :I L:C 1> %
(139) e k p
(140) ,?p:M P (P ? 1p(: C? &$< . bBP c a A> ? ;$ *: P AB opC A> : : +p L¥R O QI k LBP hi 8 :MC ?9* Z s! c! k BP cC A> ? apI! F ag:L &le( C* P?( AC 9! FGBC ,=4 A :C FE ,IR n( F. %.41,k L . ,.42,$ :+/ B : opG (+ ! C?K pL: k K ]P LB+ 8 C ?. r: o: ,?;p A
(141) g:P aL Z I 5 X¨ L+ C J ` :+ X. %o 8 c ! ; + AGeC > , pK KDi D +5 cg P F. @ @òîßý+⁄a@ÒŠb—¾a@À@ïš‹ÈÛa@$a‹Ó⁄a@Íî–@ZïãbrÛa@Šìa. −8 Q C?(:M k$ :+/ ,9 ] k P I − YZ ?B:M. aT ~D F h1D ,4< F C$
(142) :/ C : Q +R A4M > $ F 4:! %` ?Z3 S+ ?;+ F W QI F h(L k$C3. h( S+ AGeC KD −J n( C D− F ( 1> & I FBG. *: P F+ AB L ?(+ 9 ] BP ?p:M ?(+ X? P *: ! ?4. ? / Gu3 62C 1> %k K J AP &?; pP 3 + Æe(C E 4L<! F k ?Z! o: >C o+?:MC 01 R ; + 1I! P P A : F+ X(:BC 01 o 8 . %o 8 AB pML X (::. &' ( )*+%$ ,# !
(143) .
(144) 285. 2018
(145) 02
(146) 15 ISSN: 1112-4938, EISSN: 2600-6456. k/ o4p G: −1 o4p G: Q FC' L k$? :9 ] ^ q o4p G: −!. =4]P >i , pG S+ &<R 1I! ) / È : P pD s! Q F =4(B ,9 ] ^ q. <I % < slP Q F =4( ,P AD P S+ <R h( ag:MC È : P D s! j3 ^ q 9 D i3 D s! j3 =4]P >i ,9 ] P q :4p &?+ S+ =4]P. D 4 ;*< 9 D i3 , 67 9 D i3 pD AB A F A G P %.43, 6 pD *m. 9 D i3 ,<! 4L+ 1IC r o> pD ?C A D 7 9$ F 9 ] ^ . QpG ËeL pD QpG Ëe F+ D 4 8 ? A D 0?K 7 k<3 `?4< ?P 9 ] ^ I S+ <! 1IlC 9! 8BL ) : ,.?p:M ,. ^ I S+ <! 1I! ) / ,^ q P ?
(147) C 01 YL ?BP <R PC 9! 9$ LB+. %.44, +5 (E 67 *; < +J 9GC 9! teC D ,9 ] YL M(P 6 9 ]. ApGC 8 9R pD o>
(148) `1> a Ä o4p G: (. X ,;*< ! 67 ^ q 9G (+ &?p:M 4L *: X?C LB+. %` ?Z3 F+ Lp C $ C
(149) B+ 1I! )<. 0?(:M $ :+/ ¯: LB o4p ªC: 93 :0?(:M $ :+ o4p G: −^. 0! D $ :+/ 7 9 D i3 D 9G 9! 3 o4 9 ] ^ I d6K 6D ? j3 e. ! LD 67 $ :+/ 9GC pD J 9GC 9! 3 ,AB O F /E. %.45, ;*<. j3 8 F pD > 0?(:M $ :+/ @ Ä o4p G: (. %` ?Z 8 >?G o: C $ k< F+ &<R A
(150) T )< X ,AB. ^ I F+ 8 QL o4p ªC: L:¿ / :8 QL o4p G: −. D (> 8 ,AB O F L D KG ,0?(:M $ :+/ 9 ]. %.46, +5 *; < D pD (4 $ :+/ c?+ ! ,<lP.
(151) Y
(152) +b A;? −2 j3 4;: ?P Ä C?L: Y
(153) F & A;? `1> =M FGBC. $p( o: 4L;?P ! 4LC?P Z AG 9! Z q P ?
(154) K ,Z I I! + +5 A;?P @ @@@@@@@@NNNNNNNNNNNNNNNNNNNNNNNNNNNNNN@@@@‹öa§a@@ð†aìÛa@òÈßbu https://www.asjp.cerist.dz/en/PresentationRevue/202.
(155) 2018
(156) 02
(157) 15 ISSN: 1112-4938, EISSN: 2600-6456. 286. YZ F V2 Y
(158) ne 01 AC? 4 ! 4 Z
(159) P %
(160) . Y
(161) Z q +b A;? −1−2 Â C?P YZ F Z AG 9! Z q A;? P ?
(162) C r: , 4 (:C . ¢l
(163) A<R 6
(164) ACB: YZ 2D! F C?(:M k$ :+/. % A;? FBJ 7 aC 01 8 Q $ K AGeP ,9 ] k P I >?P 67 ! ;*< 0?(:M $ :+ +b A;? −!. sR (GE N
(165) o;*< P ! 7 9$ 0?(:M $ :+/ a 93. O F 8BL &?; pP $?MC # :; A4M s! hi L+ ,+b k L: X :C gP D 3 LC YZ j3 F &
(166) `1> 6 AGe 1> A ,AB %.47,P ] D e . X < q & : P (
(167) C?(:M k$ :+/ L7! 9R. Z I LCB: R `1> a hi A4 ,C?
(168) : $6:/ LB+ f L $<. %b P Ð gP . ?(+ $ :+/ B F o X?P cC h( 9 AB A F ;*< QE $ :+/ 9 D i −. AB , D e t5 a LB `1> AB X GC5 AI?C k?(:M =LM. F MK S+ AB A
(169) W Q _ P hC5 h( (P ,Q _ ¶! F *P AB P hC5. %.48, p/ M Q _ ¶! Ë
(170) M P )C o AB AP ¯P. 3 LB 9G `1> op 8 O F A G P /E $ :+/ 9 D i3 ! −. %.49,gP ! P ]. ! Ëu 9GC ? , QR QBC P p ~! S+ P ] . b 6M: . O! &?+ 9GC ? 01 , Q ¶!P # O . u! &?+. QE L 8 P ] $ :+ a, 4(P p/ M ¯P c M: nu/ %.50, 4L+ ap M P R c M: =:C ,^ ] > AB LBL A D. $6: P cC 8 ,
(171) +u 2DR > gP $ :+ !. 4(P p/ M cL ¯P Ñ 4P = ,b P £ > AB 7 + ]. ¯P = :C / 8 , 4L+ ap: k $ S+ X 1> =:C ,$6:/ G ^ M: X &' ( )*+%$ ,# !
(172) .
(173) 287. 2018
(174) 02
(175) 15 ISSN: 1112-4938, EISSN: 2600-6456. %.51,cL ¯P ag: C?L O $BP cC K3 ,LB+ X & Mq 67 ! ;*< 9 ] ^ q +b A;? −^. =:C 9!
(176) +b P k ¥> F+ & $
(177) :p L7! 93. ^ I J, LB 9G 9! (BP ACB: YZ O3 9 ] ^ I ?Z3. B ^ L 9GC `1> 8 AB P P ] ! D e F *< .9 ] AB F ;*< 9 D i ,.52,: P R h( D e
(178) X C :+. ^ ] AB A G P 8 AC 9 D i3 ! , 4(P D e 9GC o L 8 Q D %^ q 1 `*(C 8 X.
(179) @ P Z q A;? `1> L: / ?. > k ?q `1 o 8 =C? ;$ O FGBC 01 Q Gu FG , S+ o 8 A4 %o+ :</ 0$
(180) :/ >?P B(: k < :P : ? QI? P 8 ÒC A> ??q O 4 7C o: LM C?
(181) ! $6:/ $?:. o:(C C s! c! O AD ?( 0$ AGeP J: XC e Z X ?oO XP o3 8 C ¥p `1> ÑBd h1P ?rG XC e Y
(182) +b A;?−3 FM −!. F Q _ Q :K · s! S+ _ k + p
(183) P FM C. B Np(P a/ P g
(184) Q _ 1> $ C 9! C5 I O j3 «ZR G 9GC LM `$$/ $?f vC QR 9D LM F+ L:¿ , ? . %.53, ¸LM s! F K ,«ZR G LO S+ (P 0! `$. Q _ F L o h( =C? ·4
(185) D FM !. o: tb a ( k/ ¡ :/ ACB: j3 < N! > 01 ;B+ ?R *< F KG 9G op FM AC $
(186) BP aL:C ! %.54,¸ h( >$?W. ,.55,& D* ?(Z $ F *< 1D k Q! $R F k +r h( Q! F. , 2:/ L7! ?4:MC 4LB+ 9R ,0K ! $?f
(187) . C$l: @ k/ ,L G: + :</ k ?L &$ + FM <C C : R Q 0?(:M $ :+/ 9 ] k ?D 8 k ?q ÇP. @ @@@@@@@@NNNNNNNNNNNNNNNNNNNNNNNNNNNNNN@@@@‹öa§a@@ð†aìÛa@òÈßbu https://www.asjp.cerist.dz/en/PresentationRevue/202.
(188) 2018
(189) 02
(190) 15 . 288. ISSN: 1112-4938, EISSN: 2600-6456. %.56, +5 &*; m k/ ! & 67 9 ] k P I ?Z3 > @ YZ FM Af. C $ C
(191) Lp G: S+ B+ 1I! 8BL ) , ;*< & k ?q c A
(192) g: ?q =P FM K :MD
(193) a ,.57,. ,Lp C $ k p( P hi F /?P YL =gP /! C5 +5 . : .58, :
(194) c?: P &$?f &p S+ ?q = ÓR ? MW 9 :MD P ?q =. :93 . %(M QI C $ k p(=E. %(M QI QZR : =A. C?< ?D: FM P ACB: k K J $< te
(195) L7!. :.59,¢lC 4L o: k K ]
(196) te $?M :K %9 ] Af _ QZR AM +× −. % d? LB O X +K B (: k K ] `1> 9G 9! −. %LZR k K ] >? J3 k K J LO 8BL ) −. %O F +B¡ ?J ( 9 ] Af QZR 9G 9! tu −. QZR P aL:C FB] o: KK k< GP c h(L ) −. % D p:/ 43 < 4 K> . F ?Dl:L AB &) o: K> QZ ¥< p k C*P c h(L FGBC −. % >$< gZ 4:. AB L : 9! 67 ,L :BL ?I Z ABW AC? 1> 9! =7. _ J3 0$ Ê 0! X:MC / o 8 9! Z
(197) I B; Q* / $?M )< =7 ,$?M F+ LO BL *:L 67 BL «I$ * ?<C E , PL ( F P j3 J3 ,.60, 4( &?; ¬! o( / 8 C pL: S+ K?P k P+ 9lD ,(B ACB: B X 4:B (: / k K J =C?:P FM ¯( 8 . o4 ,AB GLBC AD K D 93 Z
(198) I ACB: B &?P tulP PL 4:B ) :. `1> AM PZ F 8 # C D ,.61,LB LO : F+ L ? h1P &' ( )*+%$ ,# !
(199) .
(200) 289. 2018
(201) 02
(202) 15 ISSN: 1112-4938, EISSN: 2600-6456. LO J r:C , 4 e:D
(203) C pI ^+ ABT ue ~! ! k K ] j3 0$C sR ; < 1IØ_ F (M AP
(204) k K ]. `1> < j3 J3 ,?; FM ?pC + :</ 4:B F+ 4gK FC $ J: 0i $R ÑBd Q +R Q <. D ( k ¥pL k ?q. %o 8 AB k a AB S+ hLd ? o: 9C? pOP q ^ M−^. ^ M 1> ?Z 9GC ,hLd ? o: 9C? pOP I ^ M ¯: $Å o . %.62,# l:D aC 0! ;9 D 0R hLd ? o: 9C? :
(205)
(206) . =4( ? AD X?C 9lP $R F +B¡ P p o # : l: P ?
(207) C. A S+ X?C ,A:M I F =>?! $? ? ? =4(P 9 :L,Q _ F L. %.63,= a ¹ X $¡ Í R ?4,?; + ( :(C / ,r:. hi ,C `1
(208)
(209) 9G AD F oMK = : P ^ M 1> C1 =:. 9! D `6 X?C P +r: 9GC ! C hi F ?p:MC 9! 3 MpK Z 9! :+ P *C 01 FC? :P ne ?> ag: $ : p( ¶ ! S+ p P r: `67 %$?M F+−L : +B¡ F − 0! . AI?C / 9! :B ! &? X X: = P c?+ & Ù S+ $Å o ?DC. hi , 8BL gP k$C ^ M −( C Ë
(210) – ^ M 1> F *< 0! %9C?L # : l: = P M: 0P MGL C i ÚlM 1: / :. 9C$ F D>3 :C 0! ?P J F :( (m ^ M 1 9GC. =4 $? 9G 4+ : FGBC o: M( 9! D ,J U. 4( ^(C 9 ,%2%5 0! b XPP & ? $( & D) K D i ,& D*. ?Z YLC : ,C(M P ! F *< ^ M 1 ]C 9! 8BL FGBC D ,%2%5 %.64,FC$ 0! n> 4< G. 9$ 8 Q ?B 9GC 9! ?C / s! /3 ? «B+ / 1> 9 D 93. 14 Z I k/ /3 &$ M 9C? n> : 9! Z
(211) I ,ogP t eK 0! LGe ª C ? 9 D 93 Cb Q?: ?
(212) X :C 1> ,Q L A @ @@@@@@@@NNNNNNNNNNNNNNNNNNNNNNNNNNNNNN@@@@‹öa§a@@ð†aìÛa@òÈßbu https://www.asjp.cerist.dz/en/PresentationRevue/202.
(213) 2018
(214) 02
(215) 15 ISSN: 1112-4938, EISSN: 2600-6456. 290. o: 9C? D K3 d1P k/ ª C / > , 8 M ËK. % 8 hLd ?. @ @ò¸b©a.
(216) P X$ $( P &< : S+ «D e >$ :+ C?L: n( 9 :;/ CP 93. h1 ,«B X c! CK ©$ BD q 44p ªMK j3 %o t e(P o3 AC AGu 1 P FC$ KGP o 8 9 :;/ +. YZ ËIR P 9 :; S+ 0( o: k ?q A<
(217) k?B:+ ?. ! , B; ACB: YZ ?3 j3 4 4e Af CT S+ : : ª; :( j3 ?
(218) LI ? , &$?f t5 X FM F ` :+. `6K S+ *B:C L o: NR P] F +B¡ o 8 AB =GW −. Q _ ¶! A+ p & Mq ¯P D e S+
(219) ?B: ,0?L:. %AB X. ^1< QI F AB _ k M F >6D
(220) −. ?d o: , +b P] a > 2: 4pU k M $R kI?. %o+ :</ A G: ? B(: aT j3. $?T k/B+ AP &?; pP ¶ ! S+ Ä oJ a: cC −. 1> $?M C?< 9 J A<! F pL: k K J LO j3 J3 9 ] YL B 4:B. % Cb PJ X :C B $? F+ L:C ? AB J+ 9 D ?P «p aT :/ K − 8 Ïl:C K :; O ?<C E ,&?p:M 4L K G X? j 01 8BL . j3
(221) X$ 01 R ;M O j3 0$C h1P :K* / %& Mq ¯P AB D e ¯: o: o ACB: YZ a Y
(222) `1> C. pL: k K J =C? tu P (M J ~GP YZ a −. %L : A> D a>C + :</ :B ?pC FM F A< E $?M C?< FB]. 4L7! 1Il o: ; Y
(223)
(224) A;? L7! 93 −. ? È : P ,Q +R Q <. D F 4L7! &$?f k ¥p < ,gP P ] D e AC ¶G ¯L
(225) / ~! 8 C k/ ¡ L : Z F ?C? X A : ÇC &' ( )*+%$ ,# !
(226) .
(227) 291. 2018
(228) 02
(229) 15 ISSN: 1112-4938, EISSN: 2600-6456. %XB: p(BP &5 + o: B(: k/ ¡ F ?C? ÑBd ? h1P `$ A D YZ F < 2DR
(230) 0?(:M $ :+/ r:C − AC? o4 ,b P Ð gP $ :+ Z
(231) I
(232) %$ :+/ J L $< K ?q `1 2DR. :«C P ÜK ? J+ = QI F :k Z:. o¥ ? o+ :</ ?L 6
(233) Q ¡ _ ?( & + & Ù −. % _ k :( G:P 0$
(234) :/ ? X 0): P. k L: :MC ,+b c GR X ap:C P YZ C: oM −. C$
(235) :/ B(: D e = ¯:C P _ k4M: F &$ p: L : Z % k B:BL. püby⁄aë@ï’aì¨a@M ,F! &$ , 1979 ,o É oBL XB , CD) FP ¶ FP ?Å! M [!: L NC =.1, 34 :. ,2002 ,1t , =LG $ ,k6P ,0+* FC? + : 4( Cb 8 k ?q .2, %521:. ,1t ,P ]4( $ ,&> , gu =>P3 Z :8 #K ( F 8 9 :;/ ¯( PJ .3, %11: ,2009. ,2002 ,1t ,V ¨ ,;*m ,' K 9 L : n( A<R 6
(236) ACB: YZ C (4) %217:. %217: ,' K 9 L : n( A<R 6
(237) ACB: YZ C (5) cL LD ,C : cL =M ,6:M< ,o ) < > :
(238) K :;/ O & $3 (6) %106 : ,2012, ,¶ + k < ,6M: cL+ C$
(239) :/. %376 : , ,2003 ,t$ ,BL :G $ ,k6P ,0?>p ?Å! FP ALq : ^ :D .7,. %161: ,5 , A
(240) ,`1386 ,2t,Gp $ ,k6P ,opG
(241) ?Bf FP ?Bf : : ? .8, ,oL p
(242) ,8 ,0>)R É£ XBM ?+ ¯ Z :ALI 8: 5 ALD >< .9, %75:,22،1974t. ,8 ,« FC? ^ 4u FP &*Å FP ?Å! ¶ FP ?Bf FC? NBu : 4( 5 j3 :g C ~ (10, %219 : ,4 ,1958 ,t$ ,oL p
(243) . %269 : ,+ &$ ,4 ,¶ FP :L NC = (11) @ @@@@@@@@NNNNNNNNNNNNNNNNNNNNNNNNNNNNNN@@@@‹öa§a@@ð†aìÛa@òÈßbu https://www.asjp.cerist.dz/en/PresentationRevue/202.
(244) 2018
(245) 02
(246) 15 ISSN: 1112-4938, EISSN: 2600-6456. 292. − 593 : , ,2004 ,4t ,? b :G ,&> ,P L XB¡ : = (12) %594. %1483 : , ,2008t ,:G ¦ + ,&> ,B+ : ?Å! :&' P L =(13). ,3t ,V :G ,&> ,$Å ?Å! FM o : Cb ap:C P 8 Q +R C (14) %293 : ,1991. %238 : ,' K 9 L : n(L A<R 6
(247) ACB: YZ C (15). =M ,6:M< , ,s! 9 C3 ,s! 9 C3 : k LB+ ?u ` $ # :;/ ALg: (16) %26 : , ,2007,C M P C 4Bm ,FCb < ,$
(248) :/ LD , g . .153 : ,1991 ,t$ ,k +BL : $ ,k6P , ?
(249) P ?Bf :c 0P h( (17). .154 : , ?
(250) P ?Bf :c 0P h( (18) %294 : , $Å ?Å! FM o : Cb ap:C P 8 Q +R C (19) ,1t ,b( + L A; $ ,9 + ,9 :;/ & $3 ,&$< ?Å Ýpf ,?u J o ?+ :9 :;/ & $3 (20). %93 : ,1999. ,B+ =L ?+ ?Bf :9K Cb P 4?: F+ ¥u ( k 4:> 9 :;/ k P (21) P k < ,9K Cb LD ,9K Cb P KG 8 Q +R :È? %5 : ,2003 C 6y4 ,&?g: . %243−242 : , q , P L XB¡ : = (22) %544: ,$ ] , P L XB¡ : = .23,. ,2003 ,t $ ,&?C?m m $ ,C ?(G , ?C$ # > :8 k LB C : $ *< (24) %282:. %299 : ,2012 ,3 t ,&6M $ ,9 + , #L $Bf ?Bf : n( (25) %626 : , , P L XB¡ : = (26). %454: ,M , P L XB¡ : = (27). ,2t ,N; p( $ ,9$ R ,?u ! ?Å! =CG ?+ $Bf :
(251) k LB+ k A e (28) %171: ,2007. Gp $ ,C ?(G ,9D «+ ?Bf ? :&' _ k X ?+ >Ï! P 4u (29) %394: ,2009 ,1t ,o m. %205 : ,2005 ,1t , M $ ,9$ R ,É (< A¨ oB+ A> :8 Q +R C : n( & $3 (30) %712: , , P L XB¡ : = (31). A2BC C : P Q?:L LP ,9K F &$?f k K P JR P:G k f C : R ∗. ?Bf :&' C : R :K % $ ! O/ $BP ag:MC 0?K YL +J %25−24 : ,2006,1 t ,BL :G $ k6P ,oO (! ?LP. &' ( )*+%$ ,# !
(252) .
(253) 293. 2018
(254) 02
(255) 15 ISSN: 1112-4938, EISSN: 2600-6456. O! ,R ¯ Z FM ?Bf : Cb 4BG C 2:/ 67 8 k ?q.32, %456: ,1987 ,C$M P GLB , c! < ,` :D$. D AZR C o4 BD ! :pM 4L+ LO! ^ 4LK p :p 4LZ! :pM ∗ ,11t ,> $ ,;*m ,A] C$ K :0;*m 9K C : R :K ,( Np( 9B:M. %67:. %67: , A] C$ K :0;*m 9K C : R (33). %110: , 2004,6t , m k + 9C$ ,;*m ,0;*m 0 : 9K ,A] C$ K .34,. %68: ,0;*m 9K C : R ,A] C$ K (35). %91: ,2009 ,1t,N; p( $ 9$ R , ,C* ¦ 0* ? I :o+5 ( F C?(:M k$ :+/ (36) %474 : ,2006 ,1t ,Gp $ ,ae$ ,«* > :&' _ k (37). FP $ ,C$M P GLB , 92q ?Bf FP oD FP ? :o p C : R c G! (38) %346 : ,2004 ,1t ,0)m. %473: ,«* > :&' _ k (39). %347: , 92q ?Bf FP oD FP ? :o p C : R c G! .40,. %333 : , 0+* FC? + : 4( Cb 8 k ?q (41). %334 : , 0+* FC? + : 4( Cb 8 k ?q (42). %258−255: ,N; p( $ ,9$ R ,6u 9 2+ ?Bf :o p &' _ k (43). %473−472: , «* > :&' _ k (44). %389−388: ,0+* FC? + : 4( Cb 8 k ?q .45,. %241: ,' K 9 L : n(L A<R 6
(256) ACB: YZ C (46). (47)Ahcene lahsasna, implantation of the Islamic letter of credit in international trade, faculty of sharia and law, Islamic science university of Malaysia, p:11-12. :L ,' K 9 L :0?(:M $ :+/ =
(257) q iBK n( A<R 6
(258) ACB:.48,. ,A< < ,6M: cL+ LD ,k ( O M ( 2 2 pR 8 ( :Q o(O %14 : ,2005 9< 7−6 ,;*m. %14 ,' K 9 L :0?(:M $ :+/ =
(259) q iBK n( A<R 6
(260) ACB: .49, (50)Ahcene lahsasna, op. cit, p :23. (59) Alice de jonge,Islamic law and the finance of international trade, https://www.researchgate.net/publication/228463070pdf. %206 : ,1996 ,1t ,L P $ C ?(G ,' K C :Ae: C ] 8 QZ! .52, (53)Taudikhul afkar, financing mechanism of islamic banking, the international journal of social sciences,2015,vol32 no.1 p:11. %91: ,=>P3 FP È : n( 0 2:/ «CB: $ [! (54). ,> $ ,;*m , ?M ¶ : n( ' a: j3 p F o ACB: (55) %111: . @ @@@@@@@@NNNNNNNNNNNNNNNNNNNNNNNNNNNNNN@@@@‹öa§a@@ð†aìÛa@òÈßbu https://www.asjp.cerist.dz/en/PresentationRevue/202.
(261) 2018
(262) 02
(263) 15 ISSN: 1112-4938, EISSN: 2600-6456. 294. %196: , ?u ! ?Å! =CG ?+ $Bf :
(264) k LB+ k A e (56) (57) Mohd bahrodin badri, said bouhreoua, charging fee on letter of guarantee is it permissible? fatwa in islamic finance,ISRA,february 2014, p :3. %93: , n( 0 2:/ «CB: $ [! ,=>P3 FP È (58). %176: , =>P3 FP È : n( 0 2:/ «CB: $ [! (59) VgL o ?4 ,&?< ,9I Q 3 ( :o 8 AB < o: k C?g: (60) %57 : ,2001 ,2t ,B(:L o h( ,C ?:. ,2006 ,1t , oL k e( ,k6P ,0 M B+ ( :È _ $ :+/ 8 M (61) %114−113:. %345: , $Å ?Å! FM o : Cb ap:C P 8 Q +R C (62). , (C? < L¡ ,$Bf D u & K :o # : : k D5 O & $3 3 (63) %56: ,2012 ,XP $?. %347−345: , $Å ?Å! FM o : Cb ap:C P 8 Q +R C (64). The contingent lending and its practices in Islamic banks By: Houfani Asmaa/ Dr. Menasra Azzouz Faculty of Islamic Sciences- Batna-1- University.. Abstract: The contingent lending is one of the most important aspects of bank credit, which cannot be practiced alone but must be included within the banking service. The main contingent lending forms are the letter of credit (LC), the letter of guarantee (LG) and the banking acceptance (BA), however its practices in the Islamic banks as a classical operation disagree with sharia law, for that reason, the Islamic banking developed these formats by changing the point of suspicion to be acceptable in Islamic rules. The aim of this paper is to clarify the contingent lending in The Islamic banks, while evaluate these alternatives through their developmental impact on the Islamic community in particular Keywords: The contingent lending, Islamic banks, the letter of credit (LC), the letter of guarantee (LG) , the banking acceptance (BA).. &' ( )*+%$ ,# !
(265) .
(266)
Documents relatifs
يأب يبايغلا ـكحلا يف فعطلا زوجي لا ":ونأ ىمع صنت يتلاو ـمتملاو ؿدعملا ةيئازجلا تاءارجلإا فوناق ونأ امك ".هدض ضبقلاب رمأ رودص ةلاح يف ايصخش ويمع ـوكحملا ؼرط فم
2 Barbra Mistza.the challenges of Vulnerability in Search of Strategies For aless V ulnerable Scial Life/palgrave Macmilan/ United Kingdom/2011:P12.. The United Nations
The study tries to collect a number of purposes, starting with the definition of non-state actors in public policy, and clarifying what was stated in the theories
ﱠمﺛ نﻣو ؛ﺔﯾﻟودﻟا تﺎﻗﻼﻌﻟا ﻰﻠﻋ ﺎﻫرﺎﺛآو ﺔﯾووﻧﻟا ﺔﻠﺑﻧﻘﻟا ﻲﻓ سﻓﺎﻧﺗﻟا ﺔﯾادﺑ ﺎﻧﻟوﺎﻧﺗﻓ ؛ﺔﯾﻟودﻟا تﺎﻗﻼﻌﻟا قرطﺗﻟا مﺗ ﻲﻓ يووﻧﻟا ﻲﻟودﻟا سﻓﺎﻧﺗﻟا ﻰﻟإ ﻻوﺻو ؛ةدرﺎﺑﻟا برﺣﻟا
انأ امبو ،امهتم ناك ولو ىتح هنايكو هتيناسنإب ةطبترملا هقوقح نم ناسنلإا ديرجت نكمي لاف رفاوتت نأ يغبني يذلا وهو ،انتسارد روحم يرئازجلا عيرشتلا يف ةيصخشلا مهتملا
From 1979 till now, there were 5 different presidents, usually chosen from among the SCC judges (Jacquemond 1994: 82). 10 Al-Azhar is an eleven-centuries old mosque and a famous
Sahwa Islamiya (Islamic awakening) is thereby a hybrid of Wahhabi creed but with a MBs’ discourse in terms of culture and politics. It was the brainchild of none other than
Factual information is collected and assembled with an eye to its inclusion or exclusion within a narrative (Lynch and Bogen, 1996: 76; cf. Messick, this volume). It