The transorganizationnal approach can be a mode of organization that overcomes usual mindsets to find the issues of globalization contradictions. This approach may give a momentum to the various forms of effective partnerships for the implementation of proactive and innovative action plans. This thesis proposes an engineering method to facilitate the implementation of transorganizationnal partnerships based on the observation of twizas (traditional structure of generous exchange activity in the Maghreb) and insurance with the aim of improving risk management.Our model draws on the fundamental concept of brotherhood culture, a discussion between tradition and modernity which fits with the prefigurative age in order to better manage solidarity, responsibility and risk.
