الملخص الإنجليزي
This letter addresses solidarity insurance: it's applications and constraint in Oman. With the introduction of Islamic products into the Omani market and the introduction of Islamic banks into the market, there is an urgent need for solidarity insurance in order to Understand legitimate process in Oman to be completed accurately. In this regard, the research deals with the theoretical framework of the solidarity insurance contract, referring to its definition, pillars, the difference between it and the and commercial insurance, identifying its rule and legitimate controls, forms of management, and investing in it. The study tries also to match with the activity of existing solidarity insurance companies by studying the two companies located in the Sultanate of Oman, namely: City Solidarity insurance company, and Oman Solidarity insurance company. The two companies are both introduce their commitment to the public, their management and financial status, including the statement of the legitimate judgement of these obligations, and the legitimate judgement of the administration, the financial position, the study of their reality of solidarity insurance controls, through studying their basic statute and studying (vehicles certificate) in terms of jurisprudence. The study also presents the obstacles faced by the two companies and those obstacles are divided into two dimensions: obstacles related to the internal environment of the company, and obstacles related to the external environment of the company. The study tries to find the solutions to address these obstacles for the companies to continue to grow and prosper.
