Original Research Paper
R. Ofoghi; E. Rahmati; B. Mohammad Sharifi
Abstract
The purpose of this article is to investigate the effect of the two factors of driving history and whether a person is right-handed or left-handed on the number of his driving accidents. The data of this article was obtained through the distribution of questionnaires among the drivers of Isfahan and ...
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The purpose of this article is to investigate the effect of the two factors of driving history and whether a person is right-handed or left-handed on the number of his driving accidents. The data of this article was obtained through the distribution of questionnaires among the drivers of Isfahan and Tehran. Based on data analysis, the average number of accidents in left-handers is more than right-handers, and with increasing driving history, the average number of accidents decreases. The results of the research show that the individual characteristics of the driver are among the factors that can help insurance companies in determining the appropriate premium rate.
Original Research Paper
S. Ibrahimpour; A. Hassan Zadeh
Abstract
Reliability theory is a statistical tool for calculating the insurance premium for the next period based on the insured's past experiences. Each contract is characterized by a risk parameter. In this article, we consider a risk parameter for each insured, and by using infinite mixed distributions, a ...
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Reliability theory is a statistical tool for calculating the insurance premium for the next period based on the insured's past experiences. Each contract is characterized by a risk parameter. In this article, we consider a risk parameter for each insured, and by using infinite mixed distributions, a model for calculating the reliability and Bayesian premium, based on the frequency and severity of damages, is examined together. The distribution of the total severity of damages based on frequency will be an infinite mixed distribution. Finally, by considering the prior gamma distribution for the risk parameter, the Bayesian and reliability premium is calculated.
Original Research Paper
Gh. Mahdavi; V. Majed
Abstract
Life insurance plays an important role in the economy of these countries due to its wide expansion in the world, especially in developed countries. Despite the many functions and importance of life insurance, this industry in Iran, like most developing countries, remains unknown and its role in the country's ...
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Life insurance plays an important role in the economy of these countries due to its wide expansion in the world, especially in developed countries. Despite the many functions and importance of life insurance, this industry in Iran, like most developing countries, remains unknown and its role in the country's economy and the lives of families is insignificant. In the current research, the factors that are effective in the expansion of life insurance in the country have been investigated. This research was conducted in the field and its statistical population is the whole country. In this regard, a sample has been randomly selected from several available clusters.Based on the collected information and using multiple category analysis, the results indicate that the belief that a person will suffer from an acute illness until the age of 65 has the greatest effect on the demand for life insurance. A person's age is the second most influential factor. Other influencing variables, in order of influence, include belief in inheritance for children, insurance policy price, observance of religious and religious principles, membership in a pension fund, and finally employment of spouse.
Original Research Paper
S. Samadi; F. Motaharinejad; Y. Pourashraf; Z. Tolabi
Abstract
The purpose of this research is to design the loyalty model of car insurance customers of insurance companies with an emphasis on the role of relational marketing links. Using a questionnaire, information was collected from 400 car insurance customers of insurance companies in Mashhad. The collected ...
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The purpose of this research is to design the loyalty model of car insurance customers of insurance companies with an emphasis on the role of relational marketing links. Using a questionnaire, information was collected from 400 car insurance customers of insurance companies in Mashhad. The collected data were analyzed by SPSS and LISREL software. LISREL software was used to perform confirmatory factor analysis and test the research model. Also, in order to check the reliability and perform exploratory factor analysis, SPSS software was used. The results indicate that all three relational marketing links have a positive and significant effect on customer loyalty. Financial and structural ties have the greatest effect on customer loyalty, social ties have a positive and significant effect on service quality, social ties have the greatest effect on relationship quality, structural ties have a positive and significant effect on relationship quality and service quality, service quality It has a positive and significant effect on the quality of the relationship, and finally the quality of the relationship has a positive and significant effect on the loyalty of customers.
Original Research Paper
H. Damghanian; M. Hajkazemi
Abstract
The present study was conducted with the aim of investigating the relationship between transformational leadership and alienation from work. The statistical sample of this research was 255 employees and managers of an insurance company in Tehran. To collect research data, a researcher-made questionnaire ...
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The present study was conducted with the aim of investigating the relationship between transformational leadership and alienation from work. The statistical sample of this research was 255 employees and managers of an insurance company in Tehran. To collect research data, a researcher-made questionnaire was used to measure alienation from work and transformational leadership. The validity and reliability of the data collection tools were examined and confirmed. Structural equation model mechanism was used in data analysis. Based on the obtained results, transformational leadership reduces work alienation.
Original Research Paper
I. Ghasemi Gardeh
Abstract
Demanding compensation from insurance companies for the victims of driving accidents by the culprits of the accident is one of the insurance claims that are raised in the courts based on the insurance policy and the third party insurance law. Considering the protective aspect of the third party insurance ...
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Demanding compensation from insurance companies for the victims of driving accidents by the culprits of the accident is one of the insurance claims that are raised in the courts based on the insurance policy and the third party insurance law. Considering the protective aspect of the third party insurance law, the culprits believe that the scope of protection of this law includes any legal disputes arising from driving accidents and regardless of the rules of civil liability, the rule of action and other related grounds, the heirs of the guilty party are entitled to claim damages from the insurer. Are. On the other hand, in the opinion of insurers, although the basis of the third party insurance law is based on public interest, but considering the direct purpose of this law, which is to protect third parties, and considering the contractual aspect of third party insurance and the system governing civil liability, it should be considered Due to the impossibility of claiming by the culprit of the accident. Each of the parties is trying to defend their position by resorting to the contractual and legal aspects of third party insurance. This article, while reviewing the opinions, tries to measure the conformity and contradiction of each with the legal rules and social interests.
Original Research Paper
E. Kardgar; M. Ahrari
Abstract
Several studies have been conducted on the relationship between life insurance and economic growth, based on the views of conventional economics and within the framework of macro models of economic growth, but less attention has been paid to its development aspects. The present research tries to explain ...
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Several studies have been conducted on the relationship between life insurance and economic growth, based on the views of conventional economics and within the framework of macro models of economic growth, but less attention has been paid to its development aspects. The present research tries to explain and analyze other dimensions of the effects of life insurance on national production with a development perspective. Accordingly, we used the human development index as one of the development indices to evaluate the effect of life insurance on national production and explained and analyzed the causal relationships between them. The results showed that there is a two-way non-linear causality between human development index and life insurance per capita. Also, the results show a more meaningful effect of life insurance on human development in Iran.
Original Research Paper
N. Mazlomi; M. Zamani; M.A. Seyed Naghavi; A. Rabbani
Abstract
This research was conducted with the aim of investigating organizational learning, inter-organizational trust and continuous improvement and its effects on the performance of insurance agency companies. The current research is practical in terms of purpose and descriptive and survey in terms of data ...
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This research was conducted with the aim of investigating organizational learning, inter-organizational trust and continuous improvement and its effects on the performance of insurance agency companies. The current research is practical in terms of purpose and descriptive and survey in terms of data collection and analysis. A questionnaire was used to collect data based on a seven-point Likert scale. The number of selected sample is equal to 388 people who were randomly selected from among senior, middle managers and experts of insurance agency service companies. The collected data has been analyzed by correlation and regression method and with the help of SPSS software, the results show that there is a significant relationship between organizational learning, inter-organizational trust, continuous improvement and organizational performance.
Original Research Paper
T. Jalili; R. Moslemi
Abstract
The life of the youngest pension systems in the world and in our country has been over 30 years, and due to global developments and the failure to fulfill the assumptions of the establishment of these funds, there are many risks facing these plans. Multi-layer systems are recognized as the best approach ...
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The life of the youngest pension systems in the world and in our country has been over 30 years, and due to global developments and the failure to fulfill the assumptions of the establishment of these funds, there are many risks facing these plans. Multi-layer systems are recognized as the best approach for pension reforms in most countries of the world. Fortunately, in our country, the establishment of a multi-layer pension system is foreseen in the law of the fifth development plan. The private sector is also allowed to create pension funds and compete with other sectors. However, if the necessary prerequisites are not present, the implementation of these reforms is definitely doomed to failure. The purpose of this research was to identify and prioritize the factors facilitating the implementation of the multi-layer pension system. In order to find out the significance of the identified factors, two non-parametric binomial test methods and exploratory factor analysis have been used. Factor analysis was used to group 43 identified variables and Friedman's test was used to prioritize these factors. The results of the research show that among the endogenous factors, the financial stability of the new system and the strengthening of the governing board, and among the exogenous factors, the specific conditions of the country and the macroeconomic conditions, are known to be the most important factors that facilitate the implementation of the multi-layer system.
Original Research Paper
A. Safari; M.S. Torkestani; P. Moradi; B. Golshahi
Abstract
Today, insurance companies, as a financial service institution, along with banks and other credit institutions, play a significant role in the economic development process of countries by creating social-economic security and creating a suitable platform for investment. In addition to the fact that insurance ...
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Today, insurance companies, as a financial service institution, along with banks and other credit institutions, play a significant role in the economic development process of countries by creating social-economic security and creating a suitable platform for investment. In addition to the fact that insurance companies play a significant role in creating economic security and investment development for companies, they also invest according to the nature of their activity. The purpose of this article is to investigate the effect of effective factors on the level of investments with an emphasis on profit sharing policies and cash flows in commercial insurance companies. Eighteen commercial insurance companies active in the insurance industry in 1385-1391 form the statistical community. In this article, the effect of seven selected variables on the level of investment and fixed assets of insurance companies has been investigated. These variables are cash flow, insurance operating income, operating profit, debt ratio, premium income growth rate, changes in dividends paid, and cash flow before dividends are paid. The results of the regression test showed that the dividend policy and cash flows have a positive and significant effect on the level of investments of insurance companies.
