Original Research Paper
A.R. Daghighi Asli; I. Parizadi; Sh. Tayar
Abstract
Several systems have been designed and implemented in the world for solvency assessment of insurance companies until now. Because of their different methodologies, these systems have strengths and weaknesses. In this paper, we compare Iranian solvency assessment systems using AHP methodology based on ...
Read More
Several systems have been designed and implemented in the world for solvency assessment of insurance companies until now. Because of their different methodologies, these systems have strengths and weaknesses. In this paper, we compare Iranian solvency assessment systems using AHP methodology based on criteria identified in the literature. The results of assessments based on eleven selected criteria indicate that Iranian solvency systems do not have any advantages over other systems.
Original Research Paper
N. Mazloomi; V. Nasehifar; G. Ehsan Far
Abstract
One of the factors influencing creativity and innovation is leadership. Transformational leaders are looking for new ways of doing work, new opportunities and empowering employees to achieve the goals of the organization. The current research was also conducted with the aim of investigating the relationship ...
Read More
One of the factors influencing creativity and innovation is leadership. Transformational leaders are looking for new ways of doing work, new opportunities and empowering employees to achieve the goals of the organization. The current research was also conducted with the aim of investigating the relationship between transformational leadership and organizational creativity and innovation in private insurance companies in Iran. To collect data, two questionnaires were used and sampling was done by stratified random method. In this research, 138 senior managers of private insurance companies were selected as a statistical sample to answer the questions of organizational creativity and innovation questionnaire. A sample of 300 employees also participated in completing the transformational leadership questionnaire. Confirmatory factor analysis (CFA) and structural equation model (SEM) based on Lisrel software were used to evaluate the structural model. According to the results obtained from the hypothesis test, the findings indicate that transformational leadership is related to organizational innovation and the variable of organizational creativity plays a mediating role.
Original Research Paper
A. Jafari Samimi; M. Yahyazadeh Far; H.A. Aghajani; S.M. Karimi
Abstract
Providing jobs and creating employment opportunities has always been one of the basic needs of societies, which always requires a lot of investment from the government and the private sector. In this context, small businesses and, as a result, micro-employment, with the need for minimal capital and based ...
Read More
Providing jobs and creating employment opportunities has always been one of the basic needs of societies, which always requires a lot of investment from the government and the private sector. In this context, small businesses and, as a result, micro-employment, with the need for minimal capital and based on the entrepreneurial potential of the society, provide the possibility of effective and increasing use of resources and help governments to achieve the goals of creating employment and developing the welfare of the society.In this research, the subject of small businesses and small businesses and the factors affecting their sustainability have been discussed. For this purpose, using questionnaires and interviews with experts, which include 85 self-employed and successful entrepreneurs who created micro-employment and managed to maintain their employment between 1385-1390 by using the Qarz-ul-Hasane facility of Imam Reza's Seal Fund. , identifying and prioritizing the factors affecting the sustainability of micro-businesses. Using the SAW technique, the main factors have been identified and these factors have been ranked using the FAHP fuzzy hierarchical analysis method. The results indicated that insurance as a facilitator in the group of external factors can play an effective role in the sustainability of small businesses.
Original Research Paper
Kh. Ahmadi
Abstract
Identifying civil liability for natural disasters for real and legal persons is considered one of the new topics of liability law, therefore it faces many difficulties. In this article, after categorizing natural disasters in terms of their insurability or insurability, emphasizing the insurable nature ...
Read More
Identifying civil liability for natural disasters for real and legal persons is considered one of the new topics of liability law, therefore it faces many difficulties. In this article, after categorizing natural disasters in terms of their insurability or insurability, emphasizing the insurable nature of many natural disasters, it is emphasized how the principles governing insurance can be used to prevent natural disasters.
Original Research Paper
A. Ansari; J. Asgari Dehnavi
Abstract
The principle of good faith is one of the most important governing principles in all types of insurance contracts, and due to the multiple stages of the contract, the guarantee of various executions has been established for its violation. Good faith requires the insurer to disclose basic information ...
Read More
The principle of good faith is one of the most important governing principles in all types of insurance contracts, and due to the multiple stages of the contract, the guarantee of various executions has been established for its violation. Good faith requires the insurer to disclose basic information regarding the insurance risk during the preliminary negotiations and conclusion of the insurance contract.Violation of this obligation by the insurer and proof of his bad intention on the part of the insurer will result in a strict enforcement guarantee; In such a way that in addition to canceling the insurance contract, the insured will be responsible for compensating the damage caused to the insurance company. The basis of this compensation is the civil liability arising from the invalid contract. But here, the legislator sometimes deviated from the traditional pillars of civil responsibility and exempted the insurer from proving it. In this article, while discussing the obligation of the insurer to observe good faith at the stage of concluding the contract, his civil liability in violation of this obligation is examined.
Original Research Paper
M. Mostafavi; M.A. Kaykhafarzaneh; A. Hasanvand
Abstract
With the growth of insurance industry nowadays, new hazards are covered every day. Among these, personal liability for wergild is also covered. Here, it is necessary to recognize as in Sharia, the identity of wergild and the aim of various insurances until it is finally clear if we can accept jurisprudentially-legally ...
Read More
With the growth of insurance industry nowadays, new hazards are covered every day. Among these, personal liability for wergild is also covered. Here, it is necessary to recognize as in Sharia, the identity of wergild and the aim of various insurances until it is finally clear if we can accept jurisprudentially-legally the wergild insurance for the loss in personal insurances? And can we put the wergild payment in insurance contracts and oblige underwriters to pay wergild instead of the insured? It seems that we can accept the wergild in liability insurances and we can also demand losses in excess of wergild, citing the loss rejection reasons and even pay the retractable wergild insurance with personal insurances as in life insurance. Hence, this paper offers both analytical and applicable aspects which can be used by Iranian insurance companies.
