تأثير المنتجات المالية المصرفية الإسلامية على استثمار الأوقاف وإدارتها(البنك التشاركي الوقفي التركي نموذجا)

The profitable and charitable sectors, are the two characters which make the Islamic financial industry differ from other financial sectors, and its governed and controlled by the Islamic legal laws, used as an ethical framework aimed at embodying justice and developing funds. due to its disregard and neglect of the endowment charitable sector that develops societies, our topic is mainly to discuss the composition of Islamic financial products, and the possibility of applying them in endowment investment, through the endowment participatory bank model, by finding formulas for merging between the profit and charitable sectors, using the endowment as an activator. Our study aimed at identifying financial products suitable for endowment investment, taking into account its specificity, and to know the mechanism of merging between the for-profit and charitable sectors. We did not find out an academic scientific thesis in a detailed manner for several Islamic financial products, or any mechanism of merging between the two sectors, or discussed the point of making the endowment an alternative to the meaning of social responsibility or referred to field experiences and statistics; in order to reach our research objectives, inductive, analytical method and the method of comparison and criticism has been used. One of the most prominent results of our research is its inventory of the most important financial products suitable for waqf investment, such as speculation, participation, musharaka, muzara'a, musaqah, mughrasa, murabaha, salam, istisna'a with all its types type, installment sale, good loan, securities, all kinds of hiring, reward, endowment funds , current and investment deposits, microfinance, and the build-and-operate system (B.O.T)", the use of banking intermediation based on legitimate purposes in the integration process, the use of the endowment as an alternative to social responsibility, identifying the most important shortcomings of the integration process and their solutions, with the recommendation to generalize the experience of the endowment-participatory bank in various countries of the world Islamic.