MARKAZIY OSIYODA TAKAFULNING VAKALAH MODELINI TADBIQ QILSIH IMKONIYATI
DOI:
https://doi.org/10.55439/INS/vol2_iss6/339##article.subject##:
Takaful, islom sug‘urtasi, Takaful Vakillik modeli, xalqaro tajriba, moliyaviy savodxonlik, O‘zbekiston sug‘uta bozori, shariat nazorati, Markaziy Osiyo.##article.abstract##
Ushbu maqolada Takaful Vakala (bundan keyin — Vakalat) modeli, ya’ni islomiy sug‘urta tizimida qo‘llaniladigan vositachilik (agentlik) shartnomasi shaklining Markaziy Osiyo iqtisodiy muhitidagi ahamiyati ilmiy jihatdan tahlil qilinadi. Maqolada, avvalo, Takaful Vakalat tushunchasi nazariy jihatdan yoritilib, uning amal qilish mexanizmlari an’anaviy sug‘urta agentligi amaliyotlaridan farqli jihatlari asoslab beriladi. Xususan, mazkur modelning oshkoralik, o‘zaro rozilik, adolatli boshqaruv hamda xavfni jamoaviy bo‘lishish kabi islom moliyasiga xos fundamental tamoyillari atroflicha tahlil qilinadi. Shuningdek, maqolada Takaful Vakalat modelining Markaziy Osiyo mamlakatlari sharoitiga mosligi quyidagi mezonlar asosida baholanadi: mintaqaning huquqiy-institusional tizimi, islom moliyasi va sug‘urta bozorining rivojlanish darajasi, ijtimoiy-iqtisodiy omillar hamda madaniy-diniy yaqinlik xususiyatlari. Bundan tashqari, maqolada mazkur modelni Markaziy Osiyoda joriy etish bilan bog‘liq iqtisodiy va institusional afzalliklar, shu bilan birga, amalga oshirish jarayonida yuzaga kelishi mumkin bo‘lgan huquqiy, tashkiliy va bozor muammolari ham kompleks tarzda muhokama qilinadi.
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