Özet:

Tekafül appears to us as an alternative to conventional insurance; a cleansed alternative to factors such as interest, uncertainty and gambling. This study has explained the conceptual frameworks of the puzzle and other insurance systems and has continued to reveal the similar and different aspects of these practices. Later the structure of the puzzle system, the work principles and the situation and development in the world, the latest state of puzzle applications in Turkey has also been revealed in the light of current data. According to the qualitative and quantitative data obtained, there are various problems in the face of the puzzle practices in Turkey, although the development potential is high, it has not been developed enough and therefore has not been able to meet the expected need. This study has brought various solutions for the development of the puzzle market and the spread of the system. It is believed that the recommendations presented in this study are determining a basic roadmap for the work that will be done in the future in this field.

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