Original Research Paper
E.A. Abbasian; V. Mahmoudi; S. Armian
Abstract
The insurance company studied every year with the idea of increasing financial credit and providing more favorable services to the people and policyholders by making deposits. In the meantime, paying damages to the victims of this company causes the managers of this company to always seek to determine ...
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The insurance company studied every year with the idea of increasing financial credit and providing more favorable services to the people and policyholders by making deposits. In the meantime, paying damages to the victims of this company causes the managers of this company to always seek to determine and identify the appropriate and optimal amount of deposits to pay the damages. For this purpose, in the current research, the optimal limit of risky and non-risky investment portfolios of the studied insurance company during the period of 1375-1389 has been determined. The Markowitz model has been used to determine the optimal limit of the investment portfolio. The results of the Markowitz model showed that the optimal limit of risky investments is 39% and 61% of risk-free investments.
Original Research Paper
K. Shahbazi; R. Bashir Khodaparasti; M. Ehterami
Abstract
In this research, the empirical relationship between the development of life and non-life insurances and economic growth in Iran has been investigated using the ARDL method, the edge test approach and the data of the period 1358-1388. The results show that there is a co-occurrence relationship between ...
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In this research, the empirical relationship between the development of life and non-life insurances and economic growth in Iran has been investigated using the ARDL method, the edge test approach and the data of the period 1358-1388. The results show that there is a co-occurrence relationship between the research variables and it indicates that life insurance does not have a significant effect on economic growth in the short-term and long-term, but non-life insurance has a significant effect on economic growth in the short-term and long-term. Also, in the long term, there is a one-way causal relationship from the development of non-life insurance to economic growth, but economic growth is not the Grangerian cause of the development of life and non-life insurance.
Original Research Paper
Gh. Mahdavi; S.S. Nooreddini; N. Behradmehr
Abstract
Mobile commerce is defined as the exchange of information or business transactions using mobile devices through wireless communication and has also been proposed as the next big wave of investment and application of information technology. Much research has been done on the technological aspects of mobile ...
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Mobile commerce is defined as the exchange of information or business transactions using mobile devices through wireless communication and has also been proposed as the next big wave of investment and application of information technology. Much research has been done on the technological aspects of mobile commerce, but limited research has been done on the strategies and application of mobile commerce. In this research, using the technology-task fit model, the application of mobile business system in Iran's insurance industry has been examined from the perspective of experts in information technology and support of insurance companies.Based on the results of the research, the mobile trading system can be used in Iran's insurance industry. In terms of the effect of individual differences, we found that, contrary to expectations and investigations carried out in previous studies, this variable does not have much effect on the use of mobile technology system for insurance tasks. During the three main tasks of the insurance field, mobile business technology has a high level of compatibility with services after the registration of an insurance contract, followed by the registration of new contracts and the provision of financial and tax information and services.
Original Research Paper
H.A. Saadi; R. Mirzakhani
Abstract
Nowadays Life insurance is a common contract and apart from the security it provides for people, has great investment potentials for the economics. There are two approaches for shariah correction and understanding the legal stance of the life insurance contracts. One is the determination basis of contracts ...
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Nowadays Life insurance is a common contract and apart from the security it provides for people, has great investment potentials for the economics. There are two approaches for shariah correction and understanding the legal stance of the life insurance contracts. One is the determination basis of contracts and having a legal place in the jurisprudential contracts and the other is the non-determination basis of contracts and the evaluations using general reasoning. Based on non-determination point of view, when life insurance as an independent contract is compared in general and free from conflicts, we may consider it permissible. To achieve this aim, we should solve problems like ambiguity (Gharar), dependence (Taligh) and usury (Riba) in life insurance and if it is free of conflicts then we may consider it permissible.
Original Research Paper
N. Sarlak; A. Safari; H. Alani
Abstract
The main purpose of this research is to investigate the performance of the investment portfolio of insurance companies admitted to the Tehran Stock Exchange in comparison with other companies admitted to the Tehran Stock Exchange. The basis of risk and efficiency analysis is using a combined model consisting ...
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The main purpose of this research is to investigate the performance of the investment portfolio of insurance companies admitted to the Tehran Stock Exchange in comparison with other companies admitted to the Tehran Stock Exchange. The basis of risk and efficiency analysis is using a combined model consisting of these two evaluation criteria. The model used to evaluate the portfolio in this research (Sharp model) is based on CAPM theory. For this purpose, it has been assumed that there is a significant difference between the performance of the investment portfolio of insurance companies and the investment portfolio of other companies admitted to the Tehran Stock Exchange (base index). The statistical population of the research included four insurance companies and the time period was 1381 to 1388. The research hypothesis was tested using one sample t-test in SPSS software.The results obtained from the comparison of the Sharpe index calculated for the mentioned companies and the base index confirm the main hypothesis of the research. Therefore, it is necessary for insurance companies to improve their performance by increasing efficiency and reducing risk.
Original Research Paper
E. Khajepoor; A.A. Keykha; Gh.R. Soltani; M. Saboohi Sabooni; A. Kiani Rad
Abstract
Agricultural activities in the Sistan region are completely dependent on the water of the Hirmand River. The water of the Hirmand River has fluctuated greatly, so that in the past years, the people of the region have always suffered from terrible floods and continuous droughts. The purpose of this research ...
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Agricultural activities in the Sistan region are completely dependent on the water of the Hirmand River. The water of the Hirmand River has fluctuated greatly, so that in the past years, the people of the region have always suffered from terrible floods and continuous droughts. The purpose of this research is to introduce and analyze different river flow insurance plans as one of the solutions to reduce the income fluctuations of farmers in Sistan region. In this research, first, the stochastic process of Hirmand river flow was simulated by Capiola method for two growing seasons using the monthly information of Hirmand river flow from 1336-1388. Then, using planning, econometric and simulation techniques, the relationship between the amount of water available to farmers and their gross profit was estimated. Finally, by presenting different river flow insurance plans in the model, the effects of these plans in reducing the risk of farmers' gross profit were analyzed. The research results showed that the use of different insurance schemes can be effective in reducing the fluctuations of farmers' gross profit.
Original Research Paper
E. Eltejaei; M. Salimi
Abstract
As the economic growth in any country, the main goal of governments is to expand social justice, the fair distribution of income, wealth, and the creation of security and prosperity at the community level. One of the most important tools of this is the development of a social security system. The social ...
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As the economic growth in any country, the main goal of governments is to expand social justice, the fair distribution of income, wealth, and the creation of security and prosperity at the community level. One of the most important tools of this is the development of a social security system. The social security system in any country can also be the cause of economic growth by providing conditions. Since social insurance is one of the most important components of social security, the purpose of this study is to investigate the relationship between social insurance and economic growth from theoretical and empirical perspective. Based on existing theories, there are reasons for reciprocal impact between social insurance and economic growth. Also, empirical research findings, using data from the 1972-2017, and the use of parasite-gangerism, show that there is mutual convergence among the real values of social insurance and Iran's GDP. The self -regression method also shows that the growth of social insurance costs explains a significant percentage of changes in GDP growth.
Original Research Paper
R. Valinejad Torkamani; H. Zarei; S.J. Mousa Kazemi
Abstract
In recent years, the contribution of the monetary and financial sectors of Tehran province in the country's economy, especially the insurance industry, is significant, so that in 2018, this province has the highest penetration coefficient and the largest share of the total production premium among all ...
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In recent years, the contribution of the monetary and financial sectors of Tehran province in the country's economy, especially the insurance industry, is significant, so that in 2018, this province has the highest penetration coefficient and the largest share of the total production premium among all the provinces of the country. 2.73%, 48.1%. In this research, in order to explain the importance of the insurance industry in Tehran province, the data-output model has been used. First, the data-output table of Tehran province in 2015 was estimated using the generalized spatial share approach (AFLQij) and the importance of sectors related to financial services, especially the province's insurance industry, in terms of backward and forward linkages, in the form of three approaches: Chenery-Watanabe, Rasmussen, and Vector. Specially evaluated. The results indicate the high importance of the insurance industry in the economy of Tehran province. So that in 2015, the share of final demand from the production of the insurance industry was equal to 49.7%, which is far less compared to the similar national standard (76%) and shows the sustainability and high tension of this sector in the economy of the province. Also, the province's insurance industry, which is a part of the financial services sub-sector, has been identified as a key sector with a production (not consumption) nature.
