Original Research Paper
S. Sehat; N. Mazloomi; H. Fakhimi Mohammadpour
Abstract
Due to the recent changes in the insurance industry and the market tendency toward competition, innovation among insurance companies to gain competitive advantage has been of utmost importance. Because innovation has been considered as the most important issue to gain the competitive advantage in the ...
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Due to the recent changes in the insurance industry and the market tendency toward competition, innovation among insurance companies to gain competitive advantage has been of utmost importance. Because innovation has been considered as the most important issue to gain the competitive advantage in the organizations, the purposed behind the current study is to investigate the relationship between innovation and competitive advantage among insurance companies. Meanwhile, the current status of organizational innovation among insurance companies as the secondary goal of the current study has been attended. The research method is applied and according to the Data Analysis method is considered as Descriptive-Survey. Organizational innovation consists of Product, Process, and Administrative Innovation. The statistical population consists of the senior managers of private insurance companies in Tehran and 130 ones have been selected as a sample. To gather data, a standard questionnaire has been applied. To test hypotheses according to the data gathered based on the questionnaire, Pearson Correlation, Structural Equation Model and One Sample T-test have been utilized.The results indicated that there is a positive and significant relationship between the organizational innovation as a whole and different kinds of competitive advantage among insurance companies and among different kinds of innovation, product innovation has the highest relationship with the competitive advantage among insurance companies. Also, the One Sample T-test analysis indicated that only the Process Invocation of the insurance companies is in a desired condition.
Original Research Paper
A. Dehghani; A.R. Daghighi Asli; F. Pourvali
Abstract
Due to the increasing importance of in-service training and their notable role in improving the employees' performance, the training courses are evaluated with the purpose of increasing the desirable quality.Therefore, the focus the current study is to assess the effectiveness of in-service professional ...
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Due to the increasing importance of in-service training and their notable role in improving the employees' performance, the training courses are evaluated with the purpose of increasing the desirable quality.Therefore, the focus the current study is to assess the effectiveness of in-service professional training courses on the competencies and performances of an insurance company employees. In this research, the CIPP model is utilized to evaluate the quality of in-service training. The CIPP model provides four types of evaluation, including Context, Input, Process and Product or Output.The research is a Survey-Descriptive one. The statistical population includes all of 217 employees of an insurance company, and the sampling methods applied are Random and Stratified Sampling. The data were analyzed applying SPSS and Smart PLS software systems.According to the results, the in-service training has direct and positive impact on the employees' competencies that each of the quality dimension, quality input, quality process, quality output, and quality context have the most to the least impact on the employees' competencies, respectively. Also, based on the research results, the in-service training has direct and positive impact on the employees' performances that each of the dimension quality context, quality process, quality input, and quality output have the most to the least impact on the employees' performances, respectively. Finally, it can be concluded that the employees' competencies has direct and positive impact on the employees' performances.
Original Research Paper
S. Tajobian; A. Hassanzadeh
Original Research Paper
M. Parchami Sarghein; R. Raei
Abstract
Determining the financial status of the insurance companies and reporting it to the supervisor authorities and other stakeholders is an important issue to consider. Due to the structure of the insurance industry in Iran, utilizing the models which determine the financial failure is not possible. Therefore, ...
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Determining the financial status of the insurance companies and reporting it to the supervisor authorities and other stakeholders is an important issue to consider. Due to the structure of the insurance industry in Iran, utilizing the models which determine the financial failure is not possible. Therefore, rating as one of the most common methods of evaluating financial solvency among the insurance companies has been used. The main reason behind the current study is to identify the most important and effective financial variables in determining the financial status of the Iranian insurance companies and to prioritize them and finally, rating the companies based on the mentioned variables and ratios. For this reason, a comprehensive review of the related literature has been resulted in gaining the effective variables and ratios in determining financial status of the insurance companies and their relationship with the financial condition of the insurance companies has been investigated by the insurance industry experts. Then, 19 insurance companies rated for three continuous years based on the mentioned variables and ratios utilizing AHP, SAW, TOPSIS, and VIKOR methods. As a result of this, the "R" and "A" insurance company, have gained first and second status respectively.
Original Research Paper
N. Haji Heidari; P. Bahadori; S. Behestani
Abstract
Due to the importance of IT development in improving the insurance companies’ functions, the degree of progress by those insurance companies which utilize the electronic tools has been studied in the current study. The statistical population of this study consists of 22 insurance companies among ...
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Due to the importance of IT development in improving the insurance companies’ functions, the degree of progress by those insurance companies which utilize the electronic tools has been studied in the current study. The statistical population of this study consists of 22 insurance companies among which 18 companies participated in. The results analysis was based on their participation. The employed method in this research was Gartner’s Electronic Maturity Model while the data analysis was carried out via multi-branched, decision-making method of Topsiss. The results indicated that the current maturity level of the electronic insurance in Iran is estimated to be 70% in the first level and that those insurance companies which were newly founded and placed in the first stage of Gartner’s electronic maturity model, become prior in terms of concurrency with virtual space. Comparing the status of stock and non-stock companies, the same results were achieved. The outcomes can be illuminating for the managers of those insurance companies who can reach higher stages of maturity by following the advices in this area.
Original Research Paper
Y. Mohammadzadeh
Abstract
Due to the direct relationship of equity with the capabilities of people, executing it in the health sectors comparing with the other economy sectors, is of utmost importance, hence its consideration is necessary. Due to the unpredictability and high expenses of Health costs, it is of great importance ...
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Due to the direct relationship of equity with the capabilities of people, executing it in the health sectors comparing with the other economy sectors, is of utmost importance, hence its consideration is necessary. Due to the unpredictability and high expenses of Health costs, it is of great importance to households. This part of the household expenses provides many challenges in regard of justice and equity in its financial contribution. In this paper, firstly, inequities in health insurance payments comparing with the total household costs during 2004-2010 has been investigated utilizing Gini Index and Theil Index, then calculating Kakwani Index as the most plausible method to measure justice in the financing of the health sector, the fairness of the payments in the rural and urban areas has been analyzed. The results indicated that though depression in the Kakwani index, the unfair distribution of insurance payments is noticed in different deciles.
Original Research Paper
A.A. Hatami; H. Yasinyniya
Abstract
In Islamic Law, dower as one of the financial rights of the marriage is the husband’s duty. In Holy Quran, dower is called: “saddaghat-o-honna nehlatan” and is given to the woman by the man as a gift and is known as the symbol of the husband’s truthfulness. Dower insurance is ...
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In Islamic Law, dower as one of the financial rights of the marriage is the husband’s duty. In Holy Quran, dower is called: “saddaghat-o-honna nehlatan” and is given to the woman by the man as a gift and is known as the symbol of the husband’s truthfulness. Dower insurance is a means through which the hope of getting the dower by the women can be increased and the number of those who are prisoned because of their delay in paying dower can be decreased. Dower insurance is considered as a reliable guarantee for paying all or part of the dower by the man and both of the couples can take advantage of it. However, it's better for the man to make a contract with the woman in order to acknowledge the woman's deeds in the household and to help her save enough money.
Original Research Paper
S.M.H. Malaekepour Shushtari; N. Banirashid
Abstract
According to the article 36 of insurance Act 1316, the actions arising out of insurance, after passing of 2 years from date of “Accident of action’s Provenance” occur, are undercover of laps of time. The limitation that mentioned in this article, as one of the exceptional limitations ...
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According to the article 36 of insurance Act 1316, the actions arising out of insurance, after passing of 2 years from date of “Accident of action’s Provenance” occur, are undercover of laps of time. The limitation that mentioned in this article, as one of the exceptional limitations is valid heretofore and the most significant issue in insurance law. In this article, “actions arising out of insurance” means the action that its document is an insurance contract whether that policy coalesces between the parties of litigation or it coalesces between the insurer and another party that is third to that action. But Determining “Accident of action’s Provenance requires attention to the type of insurance, request and parties of action. In this article, legislator only determines the limitation time and start of actions arising out of insurance mere and didn't determine other conditions and rules. In this case, the general rules of French Insurance Law that is the source of Iranian insurance law should be followed, not the code of civil procedure 1318 that was abolish with code of general and revolution courts civil procedure 1379.
