أ.د.حميد الشاعر2024-12-152024-12-15https://dspace.academy.edu.ly/handle/123456789/8841. The Takaful insurance industry is newly born in Libya. The regulations governing this industry in Libya were established in 2012. Therefore, the development of this industry requires more time, with the availability of the elements of success and development of Takaful insuranceAbstract This study aims to identify the most important difficulties and challenges of applying Takaful insurance in Libya. To achieve this objective on the ground, the study assumed several hypotheses through which the most important difficulties and challenges were identified through the explanation of the difficulties and challenges related to the insurance culture of workers, difficulties and legal challenges, of legitimacy, of Takaful reinsurance, and the difficulties and challenges related to manpower.صعوبات‌و‌تحديات‌تطبيق‌التأمين‌التكافلي‌في‌ليبيا