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Islamic thought as compared to what it is in Western thought. It also aims at determining the extent to which Islamic banks in Algeria are practicing the concept of social responsibility by adhering to Islamic economic principles. Which is part of the Islamic economic system. In order to achieve the objectives of the study and to recognize the reality of the adoption of social responsibility by the Islamic banks in Algeria, Al Baraka Bank of Algeria was chosen to analyze the various documents, On the concept of social responsibility, in addition to the distribution of 80 forms on a sample of managers and heads of departments and departments and their deputies to the branches of the bank under study, the study concluded a number of results, the most important of which:
The commitment of Islamic banks to social responsibility stems from the teachings of Islamic law.
Despite the presence of indicators and figures indicating the interest of Al Baraka Bank of Algeria in social responsibility as reported by the bank, but the amounts that contribute to the small and do not reach the required level, where the results of the analysis of data that the bank in question differs in the commitment to areas of social responsibility degree As it pays attention to the exercise of social responsibility towards employees and clients as these two areas of the most important elements of social responsibility, unlike social responsibility in the environmental field, which we did not find that there are contributions to the bank with respect to the protection Yeh environment, which the bank considers outside its scope and responsibilities, although this area is the essence of the subject of social responsibility and the basis of its success.
Al Baraka Bank of Algeria takes into account some Shari'a rules in its financial transactions through the use of Islamic financing formulas such as Murabaha, Ijara and Musharaka, which will contribute to covering the social responsibility aspects and enhancing the dimension of the Bank's responsibility in the light of Shari'ah obligations.
At the end of the study, a number of recommendations and proposals were presented which the researcher believes are necessary to achieve a higher level of commitment to social responsibility in the Algerian Islamic banks.
The need to promote public awareness through conferences, seminars, workshops and the media on issues related to social responsibility.
Encourage Islamic banks to establish specialized administrative units in the field of social responsibility Planning and implementation of programs and coordination with the relevant authorities, and the need to issue and disclose the report on social responsibility.
Keywords: Islamic Economics, Social Responsibility, Islamic Banks.
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& N4V & s$R & -•&X & -$ &ˆ R
) &š *
2 PM & T # &) $ +&]u &¨ (&v < ( . X #? Y . X 0 $2 " U $2 k ! " ` -*0 W l. ) %*+, ./0 k ! H m Y\ # W, ? # + *= 7 0 / " ? ?D # + Yf $ * 2 U. dD Y Y W ? 2013 :
(& & $9 * & 4O# &A &W" &˜•&fV& 4 " &E J& "J & !
&v <& µ 0 +& ˆ N # & -•& )]C; & E J& 5<+& $< - 9! & $ +O # (& 1 K € & • n& 1)"$ 4 E S &X$ p+&Z T .
& c &«&" & 4 " &H "J@&X$ Y + 70
& 4O# &A @&2 4† +&B " & & $<&v <&) - 4
& c &fV& S* (&1 4 " &=¦ 70
&1'% N # & & $<&v <&) - 4 &fV& 4 " & C&" +
Nž@&¨K & & l :
& $ +O # (& $9 * & 4O# &A & 9 & &=3& @ & ¶& <&'% N # & S +& $< - 9!
:S &k4 & &v <@& 3&>N T .
& Š5/ & J (7(& $< - 9!& $ +O # & (@&'(&{ R ! & 5<&=$ p&¨K & "3@ )
& - G
'% N # +&25- &1B R & # +& s$R + (
& 5 & @&1Z T& & <&ˆ N # & S &'(+
$( zV ]m # &'(& + . O. $2 Y X #? : " ./0% ! " ' %)< 7 %c ? n* o I L ) %*+, " ) a ) pL $2 ] ! H G 7 0 / " f $ * 2 U. dD # + Y YX O. 2013 : "J 4 " fV & $ +O # & 4 & +&
& & $<& ,& $< - 9!
B K € &• m & !+&o (&,& & ! & 4O# & NR 9&,& 4 " & S &˜$T&1
fV&B . @&fV&Z 5C& & C&B +&1 $< - 9! & $ +O # &A N
:
) < &_ +&" "9&A N # & J & N @&2 @& " <& $s$R +& $< - 9! & ! m 5 & 4O#
- G & & ‹ 5<&,+& $< - 9! +& ! .
&1 $< - 9! & $ +O # &A N & & K € & 4O# & & c (V+
J Š@ &v <& $( z!
&v <&1 4O# Y # &• Yr@&a §&v <+& - G
.
& ¨K (& ”+ M & E <" +& K € (& -<; & e & "$
fV & +O # & 4 -# & E J& =/ & _R
&=- &,& $< - 9 B *
.
+ >J@ ¨K \ „r N$ V 4 " : :
& $ +O # & ¨ (& 4 & v <& -<; & -. & p& @& œ7`& & + & )"<& ’ J & ±& &c & œ;&1 $< - 9! & p& @+&1 4O#
= &=9; &,&‰ # & NK @& .
+&X Y &=9@& & + S& $< - 9! & 9 # &^ X j &:< - 9! &2 ; & & R/
.
- 9! & $ +O # &¨ (&_R &• $n&v <& 4 " & 3& -3 & 4O# &H L& & $<
! 4 " & $<
R™ & ( L& C7 & NR n@&1 & ]M & "< # &1
-<; + $<
.
& 4 " & =¦& ! & 4O# & 4 & + & p& \ & =$ & & " " & ’ J N¤ (&= - & $ # & # &w (&X &\ +&1"$9&=% (& $< - 9! & N $ +O # . $2 q$ d 1 $ X #? Y " 09 L. \2 W$ I ) L. r ( " ) %*+, ./0 ?$ s L $.2 ' %)< 7 %c " Y t/ 1% # 1 # 1 EW %* . 2 3*4 u * Ic X #? ": % 1 e $ c $ * , . k# . " Y *? Y WD 09 / 10 Q%* 2013 : &E J& "J &fV& 4 " & &\ +&1 $< - 9! & $ +O # &A N #& N$ R &2 9& -<; & -. & N$ F&\ &"K & $R
+&"$9&=% (& N $ +& ‹ &>< &v <&"< & @& œ7` 1
& œ 3&,& 4 " &E J& $ž@& -% +
>$<" +& $< - 9! & $ +O # & '(& 5 & B & k( & q$ $R +& q . & ‡4O & $ +& )
& & ( & / "0 & * & 4 " & ,& q]R3& q - J & : & q< S & ¬ +& 1 -<; & -. & $< - 9! & $ +O # & ( & <&a % +&1 & J&,& -<; & -. & NN9 &\ & "Y J@&{ R 4 & + ¦+&1A N # & J&v <& $ 54* & † &2 SV+ & 5C& &‚$ $R & N $R/ +&"K &>
&˜T R &=r +&1 G & J&,& Q # & -. # +&'/T R & “&A &\ & 4 " &>J@&fV&š &v 4 &= L&]. & N RŠ@&1 $ "$ +& . & $ T& -<; & -. #& $< - 9! & $ +O # & @& u$ &fV
=r +& 5 # & +& &Z r@ &" t+&>i & &!& $( @&^<& < &)] +&v <&Z <&˜ "0
& # & &" " &fV+&1 $< - 9! +& $s$R +& $ +& ! +& N & $4 $ &)]/3& ! ¤&fV & -. •& N <&^ # & $K € &wC; (+& $ % -<; . $2 ./0 Y2 W v d T ) X2$< " # ) %*+, ) 2008 -2010 ( Y Y W$ 2 # Y7 $2 w =2$< # ! Y x 40 2 # Y 1 Y 2013 :
& 4 " &
$ž@&=/-&’ R & C &W" & $(&fV& "J+&1 $< - 9! & $ +O # &_R &,& ; &,& &’ R & + &c (•( ;&,& )
$ 54V+& F (
&1 N$ &' &: C " +&:9 M & - G &E F& $< - 9! & N $ +O •
& &2 9& $< - 9!& $ +O # & @&=J+ $u$ 4V
&H # &ˆ A@
! 1 & 4 " &¨K & $(+ @
&’ R
& ;&,& $ +O - &" R +&: j& - G (&X & -$ & N $ +O &=-Y
& $ & N9 +&=$% &=9@& &ˆ R ™&: - G & +" &‡%
. $2 2 %) W ) 0 Y X #? 7y + z . " $.2 n L * e r { " W J 2$ % L W ! W2 3*4, 7 0 / " ) %*+, ./0 ) 7 0 / |#? U $2 ( $ Y Y p } ) 7 U 9 # + YF*0 + 2014 :
&v <& H & fV& 4 " & E J& "J
$u$ 4V &1 4O- & $< - 9! & $ +O # &” •(&kR &" "9&š $4& -S& R & # &
$-& 5C$-& $-& 4O# $-&,$-& J + $-&c (V+ & 4O# & J R &\ &=C "# &"T@& œ % & & &Z p
-3&1 ]m # &E J& NS &\ & "Y & N9 +& < # & $s$R & ]m # & &a$% &E J&H"‹&
fV& 4 " & 4 " & r &" +&1 4O- & $< - 9! & $ +O # &v <&H
fV $ &¨K :
& & ™& #& J+&1 - +&12 R &1 $• &H "J@&X$ Y &g u &g &:J& R & # & @ 4O- & $< - 9! +& $s$R +& ! &8 € &X$ p&,& + .
&W $u$ 4V &— 4; (& 9 +&1k4 & 4 " &=¦& 4O# &,& R & # &
$-& $-&=% \$u$ 4V
> +&8 " .
k4 & 4 " &=¦& 4O# &,& $< - 9! & $ +O # &W .
& '(& { R & 5<& 9+ $u$ 4V
+O - & B ! & " R +& R & # & $-& $
3+& $< - 9! &:s$R & " R & R (& ; &ˆ
& + & ’ J&‰ (+&1:< - 9! + $u$ 4*
4O- & $< - 9! & $ +O # &X$ p&,& R & # & $-. YI V X % F $2 " N$ 3 u ^ #* c= -+. ) %*+, ./0 =2$< " $ J ' " w x Y7 $ . ~ K y ) 17 ( 2 # ) 2 ( 2014 : & "J
&\ & H "J; & "T73& $ 54* & H # (& { # & :< - 9! & +" & v <& H & fV& 4 " & E J N 9@& & 7 @ & $ 54* &H # & N " &\ & $< - 9! & "M &v <&H & 5C& &ˆ U+&1
; 84 # &=% (& N &' # & 9 0& N ( u 4 &W" &v <+&1 N &' - & $ &X$ p&6 m(+&1
&«& 4 " &H "J@ & c R 4 v < & $< &' # $ ; & $ 54* &H # & $(&" +&1
@& 4 " &¨K :
$< `&v <& . j (&A & $ ; & $ 54* &H # 54+
&' - & " # & 5 #
#&2 +& N +@& & $< - 9! & N $ +O & R
' # &ˆs .
A $ ; & $ 54* &H # +&'< # & S &X$ p&v <&=- (
&= & 2 9V&=$N
8 % >N Š .
& + & &v <&>N3 4+&' # & + & 4 "(&A & -3 &'< # &W+ % (&A - J! +
$< - 9! & $ +O # & R #&2 +&>‹ T + . 7 U 9 ( • Y$ p ? 1:p • $2 : X #? " [ 39 " ) %*+, ./0 ) € • N$ 3 " Y ' U J) ‚ > j. a * 7 0 /% ) %*+, ./0 $.2 \FG3 % * n L * e I ) L " p * . *0 – 7 = O . u4 -Y # + Y 1 W 14 . 15 Q%9 = 2016 :
&] & a +& 1 $< - 9! & $ +O # & A N & $(& ˜YR & J& H"J
W" +&1 $< - 9! & $ +O # (& $ 54* &H # &A - J &W" +&1 G & J& & $ 54* & $R4 j & J"$
1 $ # &>K &,& $< - 9! & $ +O # & <&·4 j &g * ( $ • &¨K &fV&˜YR &=r
:
& $- &,&A N4* &v <& 3 &)"< &H"“&1 $< - 9! & $ +O # (&A - J! &" " # .
& & ( & $< - 9! & $ +O # (& $ 54* &H # &A & V $ & $ 54* &>$
.
& $ $3& $ 54* & $ # & 4O- & 9 # +& R4 j & s$J& <&) & $R4 j &] # & $( -K & "<V & -K +& 1 " +& ) 3 & š+" r& @& "Q 4 +&
&
& 16 & š+" r& @& "Q 4 + & # & <& g * & $ž@& n@& N %
& #
W C; & $< - 9! & ; ( .
$< - 9! & $ +O # & <& 4&,& $ 54* &H # &? &y .
&= - & $(& $t+&1 $< - 9! & $ +O # & <&g * (& )"K & $ 54* & H # & - J $< - 9! & $ +O # & & "r•(&\ % . $2 #? i # x ) D YX 1 N 3 " ) %*+, ./0 # d ) U $2 i2$< 1 ` ( Y x Y 7 $ " =2$< x 13 2 # Y 03 Y 2017 : 4 " &E J& "J & & # (&: 54* & % &,& $< - 9! & $ +O # &A N & $t& $R &fV
&Z$ <& J& &¸& +&1 N K 4++& $ 54* &H # &,& $< - 9! & $ +O #& +&6 <+&1Ž m & % &,
&fV& 4 " & r &" +&1 $< - 9! & $ +O # +& $ 54* &H - & $ # & + ;&'(& 5 &g P V Nž@& -N &¨K :
@ & <& “& $- & $r C&A54*&,& $< - 9!& $ +O - & & ( & -G +& & $ +O &:N &1 J]n
& & ) C• &• Š+& $ " & &X$ Y &a$ % &89 -3+& " -3&1 $ 54*
.
@ $• &]n+& $• & $ # & + ;& &53& &6 & 5C& & $ +O #&8 9& $ m &,&>N &1
0 & + @& • & ˆ 3& 1) ` R & ) 3 & +@ &² ™& U& $ 54*& =
-&,& >N & :•
$ - G& $ +O # & V
& <&) ` R &'< & & Q#&H L;& &" &X L
(+&1 m &'< #&8Y4&v < &: % &W #&v <& C"#&) c&,&>N &‰
) : ( & ;&1
- G&,&Ž z*& J + &‡% &B .
@ & $ +O # (&6 N &v <&Zr T& Ni@&: 54* &³ ; &ˆ R & &,&) # & $R
‹ & %(& $< - 9! .
1 & $< - 9! &Z $ +O &H # &c <&ˆ R & &' # &"$ r&v
) c+&1 0 &6 &¹ R &v <&Z V& - 4 & 5C& ‰ R &' 7 &š+" r& $ x
1
&>NR " &Z$ i &v <&š * &v <&ˆ R &A+ &" &1ˆ R &,&' &' i # &W &v <& @ C+&ˆ R & 4O &=C &>K5# & % &] +& $4 4; &>‹ 9 T&e R`•(&6 N & ( +&1Z9
>™ 1 &,&ˆ R &>N4@&" + 2 !
& 4O- &Z-< & 5C& & - G &W &v <&Z $ +O •
)]m & # &• Yr@+&1'$ 0 +&'$ N# &>< +&1)] & s &>< +& $-$ .
`V&,&A N4V&ˆ R & @&'R & -3 &A <&=% (& - u- & $4 4;& 9 0 &e R
) &+@& % &š &v <
Y & +@& ˜$Š7 >$ & +@
( &Z + @& 5C& & | C& =% (& )]m & # & • Yr@+
# 3& $ # & $ 54* : - &]97 +& 3 # +& •
. 11 -MD ? 0 7 $ ) $ fRO & S 4 &" ( /•&e S #& $S @&=/t&\ +& ( & 4 "
& $- &B + &Z$ ( 4& <
& /3@&E R < (
&5$ +&! -&E $t+&: 54* & % &,& $< - 9! & $ +O # &A N & $r C&) (&,&Z N4V& 5C&
Ž m & % & < 1 &¸& + & + &c (V : 54* & ! &, A N $< - 9!& $ +O # ’ R &, $ 54* “&2 !+
&B & 3^ &ˆ (&e+ &W &v <&B 9@&Z 3&,&˜YR & J&a °&ˆ 3&1
& ‡%<& v <&B K € & - u- &:-&o (
4 " & - ¤&,&e S #& J& + &\ +& (
!&W C@& s$(+ & $< - 9! & $ +O # &e S & -$4
$ 54* &’ R &, & SV& 4 " &E J&^ &ˆ &1
& $- < &)" "9 &’ R &A &,&: 54* & ! & ž &"$37 &) 9& + ¦+& ( & 4 " &! -% 4
$ "$ & $< - 9!& N $ +O &2 7(& $ 54* .
& & % & $<& -P & 4 " &E J& • & J&fV& S* ( 05
e+ &) & 5C&B K € & 3^ &ˆ R
&'( ) 2011 ¯ 2017 ( c t& 4 " &Z J&‰ (+&1 &\ & ( & 4 " & & # (& $ #& Š "•
4 " & $ 3& $ 54*&’ R &v <& /•&,& 3 &˜$T&1 K € &,& &’ R &fV& .
12 -$ I 0 L L T* &=9@& &˜YR &>$ &«&Z • &1 T+ # & !† +& $ %`* &v <& ( 9* +&˜YR &e S •
‰ & Y &v <&: $R &= +&' . &' & N &1 t C+& " &fV& S* (&1 $4 4@& &©5Š&fV :
<& p& +; &= &2 9
"
. 1#8 $ c ) %*+, ./0% ] c $ d
1
"
& 5C& &1 -<; & -. &,& $< - 9! & $ +O - &B . &8 € &v <&= & J&,& 3 &˜$T ˜T R & ( @& fV& = & >$ :
& $ +O # & A N #& :° & & fV& Z$ & š & «& +; & ˜YR#
$< - 9! & $ +O # &A N & &=T &>J@&fV&6 (& @"(&˜$T&1 $< - 9! & & < -¤& + &¸&1
&a &>J@&"r &8 9&fV&1 $< - 9! & $ +O # & ¤&,&' Q # &'/T R & & Š& N " &\ &a 1 $< - 9! & $ +O # & A N #& ) # & . & a §& fV& ! r+& 1 $ +" & -. # +& s$™ & a §
" # & . & N9++ +O - &)" O# +&)
$< - 9! & $ .
&2 <V& H"“& 1 $< - 9!& $ +O # & A N •& # & >$J # &a §& C• & J&>P$ &³ / &˜YR# & @ O # & ! ¤+& r <+& (@& a §& fV& Z$ & š & «& ˜$T& 1=-@+& ?S+@& ) r & $< - 9! & $ +
&1 $< - 9! & $ +O # & <&·4 j &g * &fV& S* (&1 ‹ $u$ 4 + -$
˜ / &˜YR# &,& + A N
: 54* & . # & & $< - 9! & $ +O # & N$ & &8 # & & < -¤&fV&E +"(&> &B +
&fV& "(
! &,& $< - 9! & $ +O # : 54*
˜ T; +& • & & < -¤&6 4 & 5C& &\
&'R
&fV& &¸&1B . &A N # &:< &Z 5 C +&: 54* & " &,&A N # & J& r@ + &>J@& 3U
&‡4@+
% + 4
A54* &,& $< - 9! & $ +O # &a &fV& &]C@+&1
&" (&=3& &A54* & (@
$< - 9! & $ +O # .
'T& , (& ]C; +& ( & ˜YR# & 2 9
" -<; & $ 5C@+& $< - 9! & $ +O # "
& - & ˜$T
# & >J@& 3 (& - & ¸& 1Z(& A - J5 & $< " & • R4; (& J & ¸& -<; & $ 5C@& A N & a ( &]C; &,+&1 -<; & $ 5C@& N$ <&" &\ & # + & $ +O # (& -<; & $ 5C@& 5<& <& Š"p
-<; & -. &,& $< - 9! . & @ ³ / &= (&2 9&B + " " ) %*+, ./0 . 1 2 3*4, "
m &'(&k( &Z$ & + T&" ]
4 " & &1˜T R & ( @& 5C& &ˆ U+
& +; &˜YR# &,& S <&˜$T
& = & J& : 54* & 5 & $4 4; & >$J #
& . + &)7 & Q & " & " & e S # & e !
¸&: 54*& !&> <& + &>J;&
a & ™&6 &\ $(& T&'- #&2 - +&2 N
A N : 54* & ! &Z "J@+
1 wK M &>J@&fV&= & $ (& <&B ! &¨N # & J& “& $- &\
¨J # ! &]C; &,+&1W C; &
&>J@+&: 54* & ! & #& ;
N$ <& % &\ & 3 .
&1 “& $- & \ &wK M &˜ / & ˜YR# & -P & - $(
& $< - 9! & $ +O # &e S ,
$ 54* &’ R
&fV&ˆ (&' $ +O # &E “&A $ & + +& $ 54* &’ R &,& $< - 9! & $ +O # &a +&kRS
&1
>J@& 3U&fV&ˆ U&" (&= +& @
! ¤ & "M & 3+& $ 54* &’ R &,& $< - 9! & $ +O #
1 N " &\ & $< - 9! &6 4 &«&= & J& &]C; &˜YR# &,+
o ( ”U
-&’ R & R# +
& +" & & "<&,& $< - 9! & $ +O # & ¤&,& Y9 & $ 54* $(
.
]C; +&˜ / &= &w C& - $( B K € & 3^ &ˆ (&e+ &o (&W &v <& $ "$# & 4 "
&1 ( : " ] ! Q ` ? " ) %*+, ./0 u4 . " > &˜$T = & J V&Z$ ( 3 & Š5Š&f
&w C& +; &˜YR# &1˜T R Z 7 &˜$T& &B K € & 3^ &ˆ R(&["
Z +&E + + @ &=T # &>J &\ “ &>J@& 3U&fV& SV Z "J@ 1:-$. &Z %$J+&Z K C+ &³ / &˜YR# & @
& ( F&Z$ & + &"
$ 54* & $ # & 3^ & < -¤ &1 $< - 9! & $ +O # & ¤&,
& - $( &) . &2 <V&˜ / &˜YR# &,& + T
& $ +O # & +& T $< - 9!
K € & $ 54* & ’ R & , &1
˜YR# & J&=-&˜$T & $ C " & 4 "
ˆ R +&H &ˆ U+ $< - 9! & $ +O # & 4 & +&v <&H
&, &e+ B K € & 3^ &ˆ ( 1 &, & 'T ]C; +& ( & ˜YR# &w C & $uN &6 4!
$ "$# & 4 " & ar+& «& ˜$T& 1
& - ¤+& $<
& >J@+& $R & =$ p& 1 4 " & 1 "Q # & $K T* & + ; +& 8$ 4;
& $S & R C & ]C; & ,+
¨K & + $R 4!
.
4 " & A <&wQ &6 (& - & t M & ,+ & @& %I& \ & T ! +& $r & & l& 2 <V+
T+ # & $ %`º & T& zV& ,& >J & $ 54* & ’ R & ,& $< - 9! & $ +O # & 4 & c +& 1
K € ˜YR & $ R & 4 " &š D&g &¸&1 .
