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Register a new userSyrian Insurance Sector and the Impact of the Entry of Private Insurance Companies on the Volume Insurance Demand
قطاع التأمين السوري و أثر دخول شركات تأمين خاصة على حجم الطلب التأميني
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يهدف هذا البحث إلى دراسة واقع قطاع التأمين في الجمهورية العربية السورية خلال الفترة الممتدة ما بين 1990-2010، و إيجاد مؤشرات كثافة التأمين و تغلغل التأمين في سورية، كما يهدف لمعرفة أثر دخول شركات التأمين الخاصة إلى سوق التأمين المحلية، و توزع حجم الطلب فيما بينها و بين المؤسسة العامة السورية للتأمين، حيث يقارن حجم الأقساط التأمينية قبل و بعد دخول الشركات الخاصة إلى السوق التأمينية في سورية و دور هذه الشركات في زيادة الطلب على المنتجات التأمينية المختلفة، بالإضافة إلى التعرف على أهم أنواع التأمين التي تنتجها هذه الشركات تم التوصل من خلال البحث إلى نتائج عدة أهمها دور شركات التأمين الخاصة في زيادة حجم الطلب التأميني، و ضعف حصة الفرد من التأمين من خلال مؤشر كثافة التأمين، كما تبين ضعف قطاع التأمين السوري من خلال مؤشر تغلغل التأمين، و توجه أغلب الطلب التأميني نحو تأمين السيارات.
This research studies the reality of the insurance sector in the Syrian Arab Republic during the period between 1990-2012, identifying most important private companies that have entered the domestic insurance market. It also tries to examine distribution of demand between them and the Syrian General Organization Insurance by comparing the volume of insurance premiums before and after the entry of private companies to market insurance in Syria. These companies play an important role, increasing the demand for insurance products One of the main conclusions of this research relates to the role of private insurance companies in increasing the size of the insurance demand. However, index of insurance penetration shows weakness of the Syrian insurance sector with demand focused on auto insurance.
Artificial intelligence review:
Research summary
تهدف هذه الدراسة إلى تحليل واقع قطاع التأمين في سوريا خلال الفترة من 1990 إلى 2010، مع التركيز على تأثير دخول شركات التأمين الخاصة على حجم الطلب التأميني. يستعرض البحث مؤشرات كثافة التأمين وتغلغل التأمين في سوريا، ويقارن حجم الأقساط التأمينية قبل وبعد دخول الشركات الخاصة إلى السوق. توصلت الدراسة إلى أن دخول هذه الشركات أسهم في زيادة حجم الطلب التأميني، إلا أن حصة الفرد من التأمين لا تزال ضعيفة، كما أن قطاع التأمين السوري يعاني من ضعف في تغلغله. يتركز الطلب التأميني بشكل رئيسي على تأمين السيارات. استخدم الباحثون المنهج الوصفي التحليلي والإحصائي لتحليل البيانات، وأكدت النتائج وجود علاقة ذات دلالة إحصائية بين كثافة التأمين والزمن، وبين دخول الشركات الخاصة وزيادة الطلب التأميني، بينما لم توجد علاقة ذات دلالة إحصائية بين تغلغل التأمين والزمن. أوصت الدراسة بضرورة تطوير التشريعات وزيادة الوعي التأميني وتفعيل دور قطاع التأمين في الاقتصاد الوطني.
Critical review
دراسة نقدية: على الرغم من أن الدراسة تقدم تحليلاً شاملاً لقطاع التأمين في سوريا وتأثير دخول الشركات الخاصة، إلا أنها تفتقر إلى تحليل عميق للعوامل الاقتصادية والسياسية التي قد تؤثر على قطاع التأمين بشكل عام. كما أن الدراسة تعتمد بشكل كبير على البيانات الإحصائية دون تقديم تحليل نوعي يمكن أن يضيف قيمة إضافية لفهم التحديات والفرص في هذا القطاع. من الجيد أن يتم تضمين دراسات حالة أو مقابلات مع خبراء في المجال لتقديم رؤية أعمق وأكثر شمولية.
Questions related to the research
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ما هو الهدف الرئيسي من هذه الدراسة؟
الهدف الرئيسي هو دراسة واقع قطاع التأمين في سوريا خلال الفترة من 1990 إلى 2010، وتحليل تأثير دخول شركات التأمين الخاصة على حجم الطلب التأميني.
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ما هي أهم النتائج التي توصلت إليها الدراسة؟
أهم النتائج هي أن دخول شركات التأمين الخاصة أسهم في زيادة حجم الطلب التأميني، ولكن حصة الفرد من التأمين لا تزال ضعيفة، وقطاع التأمين السوري يعاني من ضعف في تغلغله.
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ما هي التوصيات التي قدمتها الدراسة؟
أوصت الدراسة بضرورة تطوير التشريعات المتعلقة بشركات التأمين الخاصة، وزيادة الوعي التأميني، وتفعيل دور قطاع التأمين في الاقتصاد الوطني.
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ما هي المنهجية التي استخدمها الباحثون في هذه الدراسة؟
استخدم الباحثون المنهج الوصفي التحليلي والإحصائي لتحليل البيانات، بما في ذلك تحليل مؤشرات كثافة التأمين وتغلغل التأمين، واستخدام برنامج SPSS لإجراء الاختبارات الإحصائية.
References used
Principles and Practice of General Insurance,The Institute of Chartered Accountants of India, 2008
Cordon.C and Dickson.M, Introduction to Insurance, CAMBRIDGE,1981, Burlington
Peter Haiss and Kjell Sümegi, Development and Economic Effects of the Insurance Sector in CEE and Mature European Economic, National Bank, Prague,2008
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This research was conducted on the insurance sector in Syria during
the period 2005 - 2014 (since its inception in Syria) represented by
twelve private insurance company that extended during the search
period on the entire area of Syria through th
e centers of these
companies and their branches and offices, and its delegates and
agents even though the activity of these companies and their spread
has receded with the onset of the crisis in Syria.
The purpose of conducting this research is to model the relationship
between the business volume and the employment volume in these
companies during the study period.
This study tries to see if there is a possible relationship between liquidity, solvency as well as administrative efficiency and profitability ratios of private insurance companies during the period (2009-2013).The study tries to do so, using methods
of statistical and financial analysis, particularly SPSS statistical software. Annual changes are calculated for each of the ratios studied, in addition to the average rate of change or growth during the period studied. The relationship between each of the ratios studied (liquidity, solvency, and administrative efficiency) and profitability is also analyzed to see the effect of each of these ratios on profitability, using simple regression. The most influential figure affecting profitability is then determined using multiple regression.
The study concluds that the relationship between the ratio of liquidity and profitability of the insurance companies is an inverse relationship, very durable and statistically significant. The relationship between the ratio of the solvency and profitability of insurance companies is a positive relationship, very tough and statistically significant, while the relationship between ratio of administrative efficiency and profitability of insurance companies is a positive relationship, very strong and statistically significant. The solvency ratio is the most influential in the insurance companies. This confirms that the nature of the work in insurance companies is based on the principle of return and risk.
The study recommends encouraging scientific research in the field of insurance, and the adoption of global studies related to insurance. It suggests work in coordination with universities and institutes to hold specialized seminars, meetings and distribute pamphlets to spread awareness of insurance. It also recommends that insurance companies work to diversify their investments and abandon conservative policies. The research also recommends activation of the partnership between the insurance companies and local banks as a way to contribute to achieving economic and social development.
This research aims to identify the factors affecting the profitability of insurance
companies operating in Syria, a contribution to assist the management of those companies
to create the appropriate environment to ensure these companies to sustain
and success in
achieving their objectives and achieving the desired economic development.
To achieve the purpose of the study, data was collected from insurance companies
operating in Syria, two companies were excluded from the study, Oqaila Takaful Insurance
Company because of its commitment to the principles of Islamic law, and the General
Syrian Insurance Corporation because of the lack of of its financial data. The study period
spanned from 2009 to 2013. For the purpose of the study data analysis was used a Panel
Data model namely the pooled regression. The data were analyzed based on Eviews7.
Results of the study showed that both the political crisis and investments positively
affect the profitability of the company, while the leverage negatively affect the profitability
of insurance companies, the company's size and liquidity, did not show an effect on the
profitability of insurance companies.
This study discusses The quality of insurance service in the Syrian Insurance sector
from the viewpoint of the insured. The aim is to determine the standards used to measure
the quality of insurance service. It determines the presence level of thes
e standards in the
offered services. It also compares the quality of service in the public and private sectors.
This study concludes the dependence on six standards for the quality of insurance
service It clarifies that all these standards exist in a level exceeds the average slightly, but
the private sector surpasses the public sector concerning the third and sixth standards and
the level of quality.
This study recommends the necessity of improving the level of the quality of service
and responses to the insurance needs which are related to the six proposed standards.
This study also recommends the necessity of applying its method to do regular tests
on the quality of the insurance service in order to determine the positive and negative
points so that the positive points can be established and the negative points can be avoided.
This contributes to the improvement of the quality of insurance services in the Syrian
Insurance sector.
The study addressed the investments of insurance companies listed
market Damascus Securities Exchange, and its impact on the
performance of the market to know how much they contribute to the
improvement of Damascus Securities Exchange performance
through the study of the relationship between the size of the
investment represented by turnover of the shares of insurance
companies listed in Damascus Securities Exchange and Index
Damascus Securities Exchange, During the period 1-1-2010 until 31-
12-2014 in order to improve and raise the level of the insurance
sector as an important investment sectors in the national economy.
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