Abstract:

The presence of facts such as interest and uncertainty that are contrary to the Islamic law in the traditional insurance system prevents individuals with religious sensitivity from such a risk management system. In this regard, the Tekafül, which is a insurance system arranged in accordance with Islamic law, appeared. In this study, the literary work on the Tekafül system has been determined by the conceptual framework. Then the data obtained in deep conversations with authorities from the insurance sector was evaluated by the visual analysis method. Before the conversations, the "Conversation Form" was given to the persons, the deep-conversation data was recorded with the audio recording device and transmitted in text form with the decryption process to the computer environment. Questions in the interview form and themes are determined, the data is grouped and the responses to themes are determined through the imagistic analysis of the determined themes. After the data was evaluated, the need to clarify the definition of the Tekafül system as a result of the issues arising from the applicability of the Tekafül system in Turkey, the current situation in Turkey, although the potential of the Tekafül is not sufficient, the legislation requires various arrangements to be made, the level of awareness of the Tekafül system is not sufficient, there is no common fetvan on the Tekafül and there is a lack of authority in this regard, the Tekafül insurance companies are faced with various problems in particular in the transfer of risk and the fund assessment is difficult in terms of the conduct of the interest-free ways. Recommendations on the identified topics were created in the light of discussions and literary work.