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The study aimed to examine the impact of the COVID-19 pandemic on the financial performance of Algerian economic institutions. The study found a significant negative impact of the pandemic on the financial performance of the institution under study, leading to a decline in net profits for the years 2019, 2020, and 2021 compared to 2018. The study concluded that economic institutions should adopt precautionary policies to mitigate future risks to avoid financial losses and challenges similar to those faced during the pandemic. Additionally, the study praised the measures and policies implemented by the state to support economic institutions, which greatly helped them in managing the pandemic's adverse effects and minimizing losses.

Objectives: This research examines the role of digitization in takaful insurance within financial risk management. It highlights takaful as a viable alternative to commercial insurance. The study aims to explore its significance in the current global landscape. Additionally, it presents a proposed takaful project for Algeria.   Theoretical Framework: The study employs a descriptive approach with analytical methods. It explores key aspects of takaful insurance and financial risk management. The framework includes global perspectives and local applications. Emphasis is placed on digitization to enhance the sector.   Results and Discussion: Findings indicate that takaful insurance in Algeria remains underdeveloped. Despite global adoption, its local prevalence is limited. Challenges in awareness, regulation, and infrastructure hinder growth. Digitization presents an opportunity to address these barriers.   Research Implications: The study underscores the need for immediate solutions. Policymakers and stakeholders must prioritize digital transformation. Improved accessibility and regulatory support are crucial. The proposed takaful project offers a strategic pathway.   Originality/Value: This research provides fresh insights into Algeria’s takaful sector. It highlights digital innovation as a key enabler. The study proposes a unique project to boost adoption. Its findings contribute to financial risk management discourse.

Objectives: This research examines the role of digitization in takaful insurance within financial risk management. It highlights takaful as a viable alternative to commercial insurance. The study aims to explore its significance in the current global landscape. Additionally, it presents a proposed takaful project for Algeria. Theoretical Framework: The study employs a descriptive approach with analytical methods. It explores key aspects of takaful insurance and financial risk management. The framework includes global perspectives and local applications. Emphasis is placed on digitization to enhance the sector. Results and Discussion: Findings indicate that takaful insurance in Algeria remains underdeveloped. Despite global adoption, its local prevalence is limited. Challenges in awareness, regulation, and infrastructure hinder growth. Digitization presents an opportunity to address these barriers. Research Implications: The study underscores the need for immediate solutions. Policymakers and stakeholders must prioritize digital transformation. Improved accessibility and regulatory support are crucial. The proposed takaful project offers a strategic pathway. Originality/Value: This research provides fresh insights into Algeria's takaful sector. It highlights digital innovation as a key enabler. The study proposes a unique project to boost adoption. Its findings contribute to financial risk management discourse.

The identity of the individual Muslim is based mainly on a combination of the performance of worship and organization in transactions through devotion to Allah Almighty in the speech and actions, and follow the Messenger peace be upon him; The study aims mainly to analyze the economic role played by Al Salam Bank ) In the State of Algeria (as a banking environment where there are no laws governing Islamic banking); and the State of Sudan (as a banking environment in which there are laws regulating Islamic banking); And draw the most important results. The main findings are that investment deposits represent the most important sources of financial resources available at Al Salam Bank of Sudan, which helps the Bank to contribute to the financing of economic and social development by financing activities and projects that serve development purposes better than the Algerian counterpart

We aim through this study to highlight the role of Islamic banking in financing sports projects. For the purpose of the study, we adopted the descriptive approach to describe the variables of the study and we relied on the analytic approach to demonstrate the relationship between the Islamic banking and the financing of the sports sector projects. A set of results has been reached, the most important of which is that people of the sports sector, who are graduates of Algerian sports institutes and holders of project ideas in various sport fields, are in need of financing from Islamic banks because these banks have formulas that combine the two elements of the capital and the labor together. The Islamic banks also provide financing formulas that are on the one hand very appropriate to the nature of the sports field and on the other hand have a social responsibility.

From the fact that the banks play a financial intermediary role between the surplus holders and the disability holders. Islamic banks emerged in order to mobilize savings of individuals that do not want to deal with conventional banks relying on the rate of interest - which does not differ from riba which is forbidden by sharee'ah. Due to the large expansion and effective role that Islamic banks play in the economy, many conventional banks have opened branches or even new banks that operate under financing tools that do not rely on the interest rate prohibited by sharee'ah. This has led to the emergence of the terms of transformation and openness to Islamic banking.