عنوان مقاله [English]
The nature of Islamic banking in the distribution of profits and losses among all major stakeholders on the one hand, and the payment of predetermined interest to depositors in conventional banking, has created the desire and expectation in some Muslim depositors that receive the fixed profits, which are already specified. The question that arises here is whether this issue can be realized in some way with the insurance mechanism? In other words, can the risk of loss in Islamic financial contracts be transferred to the insurance company with the insurance mechanism of depositors and the Islamic Bank itself so that depositors can enjoy a definite predetermined profit? In this article, at first, we review the principles of Islamic banking and the principles of the insurability of risks. Then, the analytical-descriptive method is used to deal with the issue that the risk of profit and loss is not insurable and as a result, it is not possible to offer an insurance product commensurate with this risk by insurance companies. Therefore, depositors must accept the risk of loss.