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尼日利亚是一个超过1.2亿的穆斯林的国家，超过75%的人口是穆斯林，考虑到绝大多数被尊重的信念和价值观,反映通过提供途径和/或保证担保他们的生命和财产安全,而不一定违反莎丽亚,这对在这个世界上的他们是有害的以及这之后的生活。研究员的主要原因要进行这项研究是为了识别尼日利亚可能出现的问题和伊斯兰保险的前景。

但是在深入主要目标的研究，我通过一个简要的传统的和伊斯兰保险的背景着手开始(TAKAFUL)。

这些天，伊斯兰化保险的灵感也达到了顶峰。许多人以及投资机构采取措施以使皈依伊斯兰教的银行和保险部门。保险以不同的方式定义了不同职业的不同的作家(律师、经济学家和社会学家),根据消息，他们试图提出。从本质上讲,根据传统的作家和伊斯兰作家的观念，在定义之间，没有根本的离开定义。事实上,它们被广泛交替使用。

大多数经济学家之间有一个普遍的协议，即本质“保险在于消除不确定的风险损失为个人通过求偶,每个贡献一个共同基金通过支付保险费,足以使任何个人造成的损失”。

M.N Siddiqi(1985)认为保险基于社会科学发现,根据一个小投资之后,个人可以摆脱遭受财务损失导致风险和意外事故的发生，一个大群体中，发病率可以比较准确地测量。

Study On The Nature Of Islamic Insurance

Nigeria is country with over 120 million Muslim over 75% of its population are Muslims, considering this it is only fair and just that the belief and values of this vast majority be respected and reflected by providing them avenues of insuring and/or assuring their lives and property without necessarily violating the shari’ah, which is detrimental to them in this world and the Here-after. The main reason why researcher wants to carry out this research was to identify the possible problems and prospects of Islamic insurance in Nigeria.

But before going deep into the main objectives of the research let me start by giving a brief background of both conventional and Islamic insurance (TAKAFUL).

These days the inspiration for Islamisation of insurance is at its peak. Many Individuals as well as investment institutions are taking measures in order to islamise the sector of banking and insurance. Insurance has been defined in various ways by different writers of different professions (lawyers, economist as well as sociologist), depending on the message they are trying to put forward. Essentially, there is no fundamental departure in meaning between definitions given by conventional writers and Islamic writers. In fact they are widely used interchangeably.

There is a general agreement amongst most economists that the essence of “insurance lies in the elimination of uncertain risk of loss for the individual through the duals, who each contribute to a common fund through premium payments, sufficient to make good the loss caused to anyone individual”.

M.N Siddiqi (1985) sees insurance as based on a social scientific discovery, according to which after a small investment, individuals can be freed from incurring financial losses as a result of perils and accidents, whose incidence can be measured fairly accurately in relation to a large human groups.

Insurance is a device for the reduction of the uncertainty of one party called “the Insured”, through the transfer of particular risk to other party called “the Insurer”, who offer a restoration at least in part of economic losses suffered by the Insured (Pfeiffer 1956).

In its larger concept, insurance have also been defined “as the business that exists in order to ensure the success and survival of other businesses” (Prof. J.O. Irukwu, 1981).

Conventionally, insurance can also be defined in three different ways by three different kinds of professionals; the lawyer would define it “as a contract whereby a person called the insurer 本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。