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 Researches::$benchmark is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Researches::$hooks is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Researches::$config is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Researches::$log is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Researches::$utf8 is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Researches::$uri is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Researches::$exceptions is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Researches::$router is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Researches::$output is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Researches::$security is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Researches::$input is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Researches::$lang is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Researches::$load is deprecated
Filename: core/Controller.php
Line Number: 78
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Researches::$db is deprecated
Filename: core/Loader.php
Line Number: 390
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_DB_mysqli_driver::$failover is deprecated
Filename: database/DB_driver.php
Line Number: 371
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::open($save_path, $name) should either be compatible with SessionHandlerInterface::open(string $path, string $name): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 113
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::close() should either be compatible with SessionHandlerInterface::close(): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 280
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::read($session_id) should either be compatible with SessionHandlerInterface::read(string $id): string|false, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 145
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::write($session_id, $session_data) should either be compatible with SessionHandlerInterface::write(string $id, string $data): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 223
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::destroy($session_id) should either be compatible with SessionHandlerInterface::destroy(string $id): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 303
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::gc($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/Researches.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/Researches.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/Researches.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/Researches.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/Researches.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/Researches.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/Researches.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/Researches.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/Researches.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/Researches.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/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Researches::$session is deprecated
Filename: core/Loader.php
Line Number: 1290
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.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/MResearches.php
Line Number: 33
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.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/MResearches.php
Line Number: 0
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.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/MResearches.php
Line Number: 85
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Optional parameter $offset declared before required parameter $category_id is implicitly treated as a required parameter
Filename: models/MResearches.php
Line Number: 0
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Researches::$MResearches is deprecated
Filename: core/Loader.php
Line Number: 353
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Researches::$MResearchesCategories is deprecated
Filename: core/Loader.php
Line Number: 353
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Researches::$MSettings is deprecated
Filename: core/Loader.php
Line Number: 353
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$benchmark is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$hooks is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$config is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$log is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$utf8 is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$uri is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$exceptions is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$router is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$output is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$security is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$input is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$lang is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$load is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$db is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$session is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$MResearches is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$MResearchesCategories is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$MSettings is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Researches.php
File: /home/alzatari/public_html/index.php
موقع الدكتور الشيخ علاء الدين الزعتري | الضوابط الشرعية لعقود التأمين
الضوابط الشرعية لعقود التأمين
الضوابط الشرعية ل عقود التأمين
أولاً : التأمين التعاوني بما يوفر حماية المستأمنين.
ثانياً : من ضوابط التأمين التكافلي ما يلي:
1_ أن يقوم على التبرع.
2_ ألا يشارك المساهمون في الفائض التأميني (الفني).
3_ أن يوزع الفائض التأميني على المستأمنين وحدهم، بعد دفع التعويضات وحسم الاحتياطات.
4_ أن يفصل حساب المساهمين وحقوقهم عن حساب المساهمين وحقوقهم.
5_ محفظة حقوق المساهمين تشمل رؤوس أموالهم وأرباحهم، بالإضافة إلى نصيب من الربح المتحقق من تشغيلهم أموال المساهمين. وتشمل محفظة المستأمنين الفائض من أقساطهم بعد حسم التعويضات والمصاريف وتكوين الاحتياطات.
6_ عند التصفية تؤول الموجودات في محفظة المستأمنين إلى وجوه الخير، أو (المستأمنين الأخيرين).
7_ يمكن استرداد رأس مال المستأمنين عند استغناء محفظة التأمين عنه، أو عند تصفية الشركة.
كما يمكن _ بقرار من الجمعية العمومية للشركة _ التبرع به كلياً أو جزئياً، لضمه إلى احتياطي محفظة التأمين.
8_ الفائض التأميني (الفني) يوزع حسب نسبة الأقساط، ويمكن أن يشمل جميع المستأمنين بمن فيهم الحاصلون على تعويضات، كما يمكن أن تحسم التعويضات من نصيب من حصلوا عليها.
9_ المبالغ المستردة من التعويضات المدفوعة تعود إلى حقوق المستأمنين.
ثالثاً : لما كان إعادة التأمين أمراً لا بد منه لتوزيع المخاطر، كان من تمام الواجب إقامة شركات إعادة تأمين على الأساس الإسلامي (التكافل) بحيث تلبي احتياجات السوق.
وحتى يتم ذلك لا مانع من اللجوء إلى شركات إعادة التأمين التقليدية، إذا تحققت الحاجة بضوابطها الشرعية، مع مراعاة ما يلي:
1_ إقلال ما يدفع لشركة إعادة التأمين إلى أدنى حد ممكن، بالقدر الذي يزيل الحاجة، كما يقدره الخبراء.
2_ ألا تتقاضى شركة التأمين التكافلي عمولة أرباح ولا أي عمولة أخرى من شركة إعادة التأمين.
3_ ألا تحتفظ شركة التأمين التكافلي بأي احتياطيات عن الأخطار السارية، إذا كان يترتب على الاحتفاظ دفع فائدة ربوية لشركة إعادة التأمين.
4_ أن يكون الاتفاق مع شركة إعادة التأمين التقليدي لأقصر مدة ممكنة.
رابعاً : يسري على شركة إعادة التأمين من حيث العلاقة بين المساهمين والشركات المباشرة الأحكام التي تطبق في تنظيم علاقات المساهمين بالتأمين في شركات التأمين المباشرة.
خامساً : ضرورة إيجاد هيئة رقابة شرعية لكل تأمين أو شركة إعادة التأمين.
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