A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_URI::$config is deprecated
Filename: core/URI.php
Line Number: 101
Backtrace:
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Router::$uri is deprecated
Filename: core/Router.php
Line Number: 127
Backtrace:
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$benchmark is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$hooks is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$config is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$log is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$utf8 is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$uri is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$exceptions is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$router is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$output is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$security is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$input is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$lang is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$load is deprecated
Filename: core/Controller.php
Line Number: 78
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$db is deprecated
Filename: core/Loader.php
Line Number: 390
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_DB_mysqli_driver::$failover is deprecated
Filename: database/DB_driver.php
Line Number: 371
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::open($save_path, $name) should either be compatible with SessionHandlerInterface::open(string $path, string $name): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 113
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::close() should either be compatible with SessionHandlerInterface::close(): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 280
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::read($session_id) should either be compatible with SessionHandlerInterface::read(string $id): string|false, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 145
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::write($session_id, $session_data) should either be compatible with SessionHandlerInterface::write(string $id, string $data): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 223
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::destroy($session_id) should either be compatible with SessionHandlerInterface::destroy(string $id): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 303
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::gc($maxlifetime) should either be compatible with SessionHandlerInterface::gc(int $max_lifetime): int|false, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 344
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 281
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: session_set_cookie_params(): Session cookie parameters cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 288
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 303
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 313
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 314
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 315
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 316
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: drivers/Session_files_driver.php
Line Number: 94
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: session_set_save_handler(): Session save handler cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 107
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: session_start(): Session cannot be started after headers have already been sent
Filename: Session/Session.php
Line Number: 140
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$session is deprecated
Filename: core/Loader.php
Line Number: 1290
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Optional parameter $num declared before required parameter $category_id is implicitly treated as a required parameter
Filename: models/MLessons.php
Line Number: 37
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Optional parameter $offset declared before required parameter $category_id is implicitly treated as a required parameter
Filename: models/MLessons.php
Line Number: 0
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Optional parameter $num declared before required parameter $category_id is implicitly treated as a required parameter
Filename: models/MLessons.php
Line Number: 98
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Optional parameter $offset declared before required parameter $category_id is implicitly treated as a required parameter
Filename: models/MLessons.php
Line Number: 0
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$MLessons is deprecated
Filename: core/Loader.php
Line Number: 353
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$MLessonsCategories is deprecated
Filename: core/Loader.php
Line Number: 353
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$MSettings is deprecated
Filename: core/Loader.php
Line Number: 353
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$benchmark is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$hooks is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$config is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$log is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$utf8 is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$uri is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$exceptions is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$router is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$output is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$security is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$input is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$lang is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$load is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$db is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$session is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$MLessons is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$MLessonsCategories is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$MSettings is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
موقع الدكتور الشيخ علاء الدين الزعتري | التأمين تعاون
التأمين تعاون
التأمين تعاون لا ترفضه الشريعة
في عصرنا تتوالى المستجدات والنوازل الجديدة في المعاملات وتستحدث عقود كثيرة لم تكن موجودة في العصور الماضية.
ومنها عقود التأمين التعاونية كالتأمين على البضائع والتأمين على الممتلكات والتأمين على الحياة أو التأمين على ركاب الطائرات أو الموظفين.
فهدف التأمين على البضائع ليس الوقاية من الأخطار ولا الضمان بحراسة هذه البضائع، وإنما إعطاء مبلغ من المال بقيمة هذه البضائع إن تعرضت لأخطار النقل أو الحريق أو الغرق أو السرقة نظير مبلغ معين يدفعه المؤمن للمؤمن لديه وهو شركة التأمين.
وهذا المبلغ المعين محدد على أقساط تقوم شركة التأمين باستثماره في وجوه تراها محققة للاستثمار وزيادة المال ونمائه حتى تستطيع إذا حدث لأحد المؤمنين تلف لبضاعته أو ممتلكاته أن تعطيه ما تعاقدت على دفعه له ليواجه الظروف التي تترتب على فقده بضاعته أو ممتلكاته.
وهذا يشبه اتفاق جماعة على جمع مال من كل منهم واستثماره، فإذا أصابت أحدهم مصيبة كان مشروطاً أنه سيعوض عن مصيبته بمال يأخذه من المال الكلي المستثمر الذي تستثمره جهة تنظم جمع المال واستثماره، وهي هنا شركة التأمين.
وفي التكافل يكون المبلغ الذي يدفعه كل واحد من المؤمّنين نظير منفعة الأمن والطمأنينة على بضائعه أو ممتلكاته، وأخذ مال يعوض به ما فقده نتيجة الحوادث.
فالمنفعة معلومة، والمال الذي يدفعه معلوم، والمال الذي يأخذه نتيجة تعرض بضاعته أو ممتلكاته للأذى معلوم.
فالمنفعة قابلة للتمليك المقبول في الإسلام.
والمال الذي هو التعويض مقبول أيضا.
والمال الذي يدفعه مقابل المنفعة والتعويض متفق عليه ومقبول.
فلا غرر ولا جهالة، والغرر والجهالة مما يفسران العقود، وإذا كانا قد انتفيا فقد انتفى إذن من عقود التأمين التعاونية ما يجعلها عقودا فاسدة في معيار الشريعة.
فالعقد يدور على نوع من التعاون، في تقديم مبلغ للمؤمن، وفي حال التأمين الشخصي، فحقيقة الأمر هو تأمين للورثة لا لحياة المورث بدلاً من أن يتكففوا الناس أو أن يتعرضوا للضياع والتشرد أو العوز والحاجة، كما أمر رسول الله صلى الله عليه وسلم “لأن تدع ورثتك أغنياء خير لهم من أن تدعهم عالة يتكففون الناس”.
والإسلام يبيح العقود على المنافع، وهي هنا منفعة متعددة الجوانب، منها:
الأمن والطمأنينة اللذان يحصل عليهما المؤمن وكفالة ورثته والاطمئنان على تأمين حاجته بعد تقاعده.
ومنفعة الشركة في استثماراتها وتشغيل عمالها وموظفيها.
والأمن نعمة من الله على عباده وهي منفعة لهم قال تعالى: “فَلْيَعْبُدُوا رَب هَذَا الْبَيْتِ الذِي أَطْعَمَهُم من جُوعٍ وَآمَنَهُم منْ خَوْفٍ” (قريش: 3 4) وقال سبحانه: “الذِينَ آمَنُواْ وَلَمْ يَلْبِسُواْ إِيمَانَهُم بِظُلْمٍ أُوْلَئِكَ لَهُمُ الأَمْنُ وَهُم مهْتَدُونَ” (الأنعام: 82).
عدد القراء : 1296
