Original Research Paper
S. Safari; S. Moradi Doliskani; H. Reisi Ghorban Abadi
Abstract
In this research, to evaluate the performance of insurance companies by reviewing the literature and the background of the research, the effective performance evaluation criteria were identified and then through the opinions of experts, 16 important criteria were screened and based on the classification ...
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In this research, to evaluate the performance of insurance companies by reviewing the literature and the background of the research, the effective performance evaluation criteria were identified and then through the opinions of experts, 16 important criteria were screened and based on the classification of the Professional Association of the Central Insurance of Iran in one of the 4 categories of operational, financial, ability Fulfillment of obligations, and customer orientation and customer access to services were included. In the next step, the Dimatel method was used to determine the relationships between the criteria, and among the clusters, the operational cluster was identified as the main cause, and then, using the network analysis process, the weight of each factor was calculated. Considering that in most of the past researches, the rating of insurance companies has been done based on the opinion of experts and their subjective perception, the accuracy and validity of the analyzes and as a result the rating of the companies' performance are incompatible with real data in some cases. In order to overcome this problem, quantitative indicators obtained from the research process and real information of statistical yearbooks have been used to rank insurance companies. The results of the analysis determined the companies with the best performance among the 21 active companies in 2011 and 2012.
Original Research Paper
A. Motiee; A. Esmaeelzadeh; A. Jahanshad
Abstract
The main issue faced by the current research is to examine the relationship between 7 financial variables of companies active in Iran's insurance industry with their wealth margin. For this purpose, the variables "investment performance", "liquidity ratio", "operating margin", "combined ratio", "loss ...
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The main issue faced by the current research is to examine the relationship between 7 financial variables of companies active in Iran's insurance industry with their wealth margin. For this purpose, the variables "investment performance", "liquidity ratio", "operating margin", "combined ratio", "loss ratio", "insurance profit", and "insurance company size" as the financial explanatory variables of the considered insurance companies and the relationship They have been examined with the margin of financial prosperity. The time period of the research is 4 years (from 1390 to 1393), and its statistical population is all the companies active in the insurance industry. The statistical sample of the research, which was obtained based on the screening method, includes 17 companies and the number of observations is equal to 68 company-years. The results of the research hypotheses test using the panel data method indicate that, except for the "combined ratio", other financial variables have a significant relationship with the margin of financial prosperity of insurance companies. So that the above ratios explain 83.24% of the changes in the margin of financial prosperity of insurance companies. Therefore, according to the results obtained from this research, it can be said that there is a significant relationship between the financial prosperity of insurance companies and the 6 investigated financial variables.
Original Research Paper
T. Jahed; Gh. Emamverdi; A. Daghighiasli
Abstract
The aim of the current research is to investigate the existence of selection bias in Iran's life insurance market using demographic, economic-social information and factors affecting the risk of individuals using household income and expenditure statistics. The process of this research is that first, ...
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The aim of the current research is to investigate the existence of selection bias in Iran's life insurance market using demographic, economic-social information and factors affecting the risk of individuals using household income and expenditure statistics. The process of this research is that first, using the logit model, the effect of independent variables such as age, gender, education, marital status, activity status, household dimensions and variables related to income and investment status and the person's vision of the future (having insurance) Retirement and accident insurance) and the future health of the person is checked on the possibility of applying for life insurance. In the second step, the dependent variable was estimated in three groups based on the method of paying life insurance premiums in insured and uninsured households, segmentation and ordinal logit model, but due to the violation of the assumption of parallel regression lines in this model, in the end, the generalized logit model was used and analyzed. The final effects were discussed at each stage. Examining the coefficients of this model shows that the variables of age and high-risk jobs indicate the presence of selection bias in the life insurance market, but the variables of education, smoking, sports and religious expenses, medical expenses and income work to reduce selection bias in the life insurance market.
Original Research Paper
M. Elsan; R. Kalantari; S.H. Sadjadi
Abstract
The increasing use of cyber space for various activities has caused new risks that have no history and at the same time, they are important in terms of their impact on privacy and business space. This article, based on comparative studies and according to the needs of the information technology market ...
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The increasing use of cyber space for various activities has caused new risks that have no history and at the same time, they are important in terms of their impact on privacy and business space. This article, based on comparative studies and according to the needs of the information technology market of our country, seeks to explain the concept of "liability and damages insurance in cyber space" and the reasons that make its proposal necessary, and then the available types of this type of It examines insurance in Iran and their general conditions in general.
Original Research Paper
A. Baghaei; M. Hosseini
Abstract
With the saturation of markets, organizations have realized that keeping customers, especially valuable customers, should be at the center of their management strategies because the cost of attracting new customers is higher than the cost of keeping existing customers. The insurance industry is no exception ...
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With the saturation of markets, organizations have realized that keeping customers, especially valuable customers, should be at the center of their management strategies because the cost of attracting new customers is higher than the cost of keeping existing customers. The insurance industry is no exception to this and due to the low switching cost, it faces customers who want to change their current company. The current research examines the effect of the variables of relationship length, purchase delay, purchase frequency, financial value, profitability and the group of purchased products in the valuation of the studied customers. For this purpose, a questionnaire survey tool was used in order to know the opinions of experts regarding the variables affecting the customers' valuation. The results show that the variables of frequency of purchase, duration of cooperation and the number of insurance groups purchased are the most important from the point of view of experts in the valuation of customers. Then, by extracting important variables and factors on the reversion of insurance policy holders, the influence and importance of these factors on the reversion of valuable customers has been investigated, and further, using the variables identified in the previous step, the development of the predictive model of reversion has been done. With different models (neural network, decision tree, support vector machine, and logistic regression) prediction modeling and the accuracy of the built models have been evaluated. The results show that the C5.0 decision tree model has a higher accuracy and accuracy in predicting diversion than other models.
Original Research Paper
M. Dehghani Soltani; A. Shiri; H. Farsizadeh; D. Taybi; F. Falahi
Abstract
The purpose of this research is to study and investigate the effect of authentic leadership on gaining competitive advantage with the mediating role of psychological empowerment of employees in insurance companies in Ilam province. The method of the present research is applied in terms of its purpose, ...
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The purpose of this research is to study and investigate the effect of authentic leadership on gaining competitive advantage with the mediating role of psychological empowerment of employees in insurance companies in Ilam province. The method of the present research is applied in terms of its purpose, and in terms of data collection, it is a descriptive-survey research. The statistical population includes managers and employees of insurance companies in Ilam province, whose number is 584. In addition to library studies, the data collection tool is a questionnaire whose validity has been confirmed by experts. In order to investigate the research model, structural equation modeling approach and PLS software have been used. Research findings show that authentic leadership has a significant positive effect on competitive advantage. Also, authentic leadership through psychological empowerment of employees has a significant positive effect on competitive advantage in insurance companies in Ilam province.
