Original Research Paper
A. Shahabadi; B. Sahabi; Y. Salmani; A. Valinia
Abstract
The presence of bias in the insurance market leads to an increase in insurance premiums and hence the exit of people with a high degree of risk aversion from the market, as a result the probability of inefficiency in the insurance market increases. By knowing the elasticities of insurance demand and ...
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The presence of bias in the insurance market leads to an increase in insurance premiums and hence the exit of people with a high degree of risk aversion from the market, as a result the probability of inefficiency in the insurance market increases. By knowing the elasticities of insurance demand and measuring the welfare effects of increasing premiums, insurers can prevent this occurrence by adopting appropriate policies. The present study has examined this issue regarding personal insurances using the almost ideal demand system method during the period of 2012-2015. Marshallian and income elasticities indicate gross weak relationships between personal insurances, as well as the luxury of life insurance and the necessity of supplementary medical and accident insurance. The elasticity of Hicks and Allen also indicated the existence of a weak net substitution relationship between personal insurances and a stronger relationship between life and accident insurances. Based on the criteria of equivalent changes and compensatory changes, with the aim of reducing inefficiency, the insurer can, instead of increasing the premium, make one-time receipts from people with low risk aversion or, in case of an increase, compensatory payments to people with high risk aversion. The figures received in the first approach are far less than the figures paid in the second approach.
Original Research Paper
S. Meskinnavaz; M. Ghorbani; S.A. Nilipour Tabatabaei; H.A. Niroomand
Abstract
The main goal of this research is to identify indicators and components that influence the empowerment of managers of insurance sales agencies and explain these factors in the form of a model. In this study, both quantitative and qualitative approaches were used in a combined exploratory method to compile ...
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The main goal of this research is to identify indicators and components that influence the empowerment of managers of insurance sales agencies and explain these factors in the form of a model. In this study, both quantitative and qualitative approaches were used in a combined exploratory method to compile and present the final model. For this purpose, first by conducting theoretical studies, the primary components and indicators related to the concept of empowerment were collected and determined so that the final agreement of the expert group on each of them was obtained through the modified Delphi method and Kendall's coefficient of agreement. The validity and reliability of the proposed model was determined by factor analysis and Cronbach's alpha. The results of the present study showed that the final model of empowerment of managers of insurance sales agencies consists of five components, which are: feeling effective, self-confidence, competence, self-efficacy, and meaningfulness. The structural equations showed that at the 95% confidence level, the two components of feeling effective and self-confidence are most related to the category of empowerment in the insurance industry. Therefore, insurance agencies can move towards empowerment through creating a sense of effectiveness, self-confidence, competence, self-efficacy, and meaningfulness in facing continuous changes. Also, efforts should be made to promote the sense of effectiveness in these agencies in order to create and maintain the capabilities of managers.
Original Research Paper
S. Rasekhi; A.M. Tehranchian; R. Alamian
Abstract
Export insurance helps to facilitate exports and the growth of the global economy by reducing and compensating commercial, political and economic risks. Of course, there are different views about the effect of export insurance on exports. Despite this issue and considering that export insurance increases ...
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Export insurance helps to facilitate exports and the growth of the global economy by reducing and compensating commercial, political and economic risks. Of course, there are different views about the effect of export insurance on exports. Despite this issue and considering that export insurance increases the cost of exporting goods, the significance of the effect of export insurance on exports is worthy of consideration. In this regard, the present study tests the hypothesis that export insurance has a positive and significant effect on exports. For this purpose, the econometric model of panel data for 40 selected countries including 20 developed countries and 20 developing countries during the period of 2005 to 2013 has been used. The results obtained from the panel data model show the positive and significant effect of export insurance on the exports of selected countries. Based on this, it is recommended that policymakers and exporters pay special attention to export insurance.
Original Research Paper
H.R. Zeinabadi; M. Salmasi; A. Soltani Sani; H. Tahmasbi
Abstract
Many models have been defined and tested in the field of service quality, but none of them have specifically addressed car insurance services, especially in the social and economic environment of Iran. This research, which was conducted using a qualitative method (grounded theory), identified factors ...
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Many models have been defined and tested in the field of service quality, but none of them have specifically addressed car insurance services, especially in the social and economic environment of Iran. This research, which was conducted using a qualitative method (grounded theory), identified factors affecting the satisfaction and dissatisfaction of car insurance customers and proposed a model. The mental data of the customers was collected through a video test, in written form from 98 real customers and was analyzed by two evaluators through open, central and selective coding in the framework of the grounded theory and with the help of MaxQD software. The reliability of the done coding has also been controlled by measuring Cohen's kappa in different stages. The final model provided for car insurance customers is extracted in three layers of factors (core, factor, and attribute) and with three types of variables. These grounded theory models include 4 core factors related to 1) product and service; 2) value of services; 3) interaction and 4) mental image, each of which includes factors that increase and decrease satisfaction at the same time, some often only increase satisfaction, and some often only decrease satisfaction.
Original Research Paper
M. Sadeghi Shahdani; M.M. Askari; M. Imani; A. Maleki Nejad
Abstract
Natural resources and Anfal are one of the most important financial resources of the Islamic government. In the meantime, oil and gas hydrocarbon sources have gained double importance due to the energy supply of various industries and the daily needs of households and the abundant foreign exchange for ...
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Natural resources and Anfal are one of the most important financial resources of the Islamic government. In the meantime, oil and gas hydrocarbon sources have gained double importance due to the energy supply of various industries and the daily needs of households and the abundant foreign exchange for the exporting countries. According to the narrative and jurisprudential texts and the presented criteria, oil and gas fields are part of the esoteric mines and are included in the legal regime of Anfal, and in terms of ownership in the age of occultation, it depends on the existence or absence of the Islamic government, which means that in the absence of the Islamic government and expansion The Faqeeh Jame Al-Shari'at has analyzed these sources for the benefit of the Shiites, and in the event of the formation of an Islamic government, they have been placed at the disposal of the ruler of Sharia, so that they can be used in line with the common interests of Muslims. In this regard, the present article tries to prove the hypothesis of the obligation of oil contractors to insure oil wells by using the descriptive analytical method and by referring to the narrative texts and jurisprudential rules (the rule of expediency and rationality).
Original Research Paper
A. Jalili; H. Abdolmaleki; H. Moazami
Abstract
The insurance institution plays an important role in improving the economic base of the society in order to increase mental security and reassurance as well as fair distribution of the adverse effects of risks. But other Muslim (Sunni) countries, since the injection of this industry into the Islamic ...
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The insurance institution plays an important role in improving the economic base of the society in order to increase mental security and reassurance as well as fair distribution of the adverse effects of risks. But other Muslim (Sunni) countries, since the injection of this industry into the Islamic economy, have made great efforts to replace the insurance by rejecting the conventional insurance. They have evaluated this issue in different conferences and proposed Takaful model. The most important factor that has caused more and more people from different countries to work in takaful insurance has been the participation of people both as policyholders and as insurers who form the takaful fund. Takaful funds become partners. The main issue of this research is to examine the legitimacy of excess and the basis of its legal legitimacy. The present research method in this research is library documents, which with the citations and studies, we try to analyze the issue that the profit that is obtained from insurance activities is based on the inclusion of takaful insurance in the form of compensation and also Article 10 of the civil law, in the perspective of republican rights. Islamic Iran has a Sharia basis.
