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Register a new userThe impact of economic and demographic factors on the demand for life insurance in Syria
أثر العوامل الاقتصادية و الديموغرافية في الطلب على تأمينات الحياة في سورية
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تناول البحث قطاع التأمين في الجمهورية العربية السورية خلال الفترة الممتدة ما بين 2012-1990 ، حيث درس أثر أهم العوامل الاقتصادية و الديمغرافية على حجم الطلب على تأمينات الحياة. تم اعتبار حجم أقساط تأمينات الحياة مؤشرًا لحجم الطلب على تأمينات الحياة، كما تم اختيار محددات عدة لدراسة أثرها على حجم الطلب و هي / الدخل – البطالة – معدل الفائدة – معدل التضخم – توقعات الحياة – مستوى التعميم – التمدن /. و أُجري تحميل احصائي لدراسة المتغيرات الآنفة الذكر، و ذلك للتوصل لأهم المحددات المؤثرة على حجم الطلب التأميني، حيث ظهر الدخل و معدل التضخم و معدل الفائدة، كأهم المحددات الفعّالة في التأثير على حجم الطلب التأميني، في حين لم يظهر أي تأثير ذو دلالة احصائية لبقية المحددات.
This paper deals with the insurance sector in the Syrian Arab Republic during the period between 1990-2012, we studied the impact of economic and demographic factors on the demand for life insurance size. It was considered the volume of life insurance premiums indication of the size of the demand for life insurance, also we study the impact of some determinants on the demand / income - unemployment - interest rate - inflation - life expectations - education - urbanization /. A statistical analysis by spss to study variables program was carried out, in order to reach the most important determinants affecting the insurance demand, income and the inflation and the interest rate are the most effective determinant in influencing the insurance demand, While statistically significant for the rest of determinants effect does not appear.
References used
BECK , T ; WEBB , I 2002- Determinants of Life Insurance Consumption across Countries . World Bank and International Insurance Foundation
MITRA, D & GHOSH, A 2010-Determinants of Life Insurance Demand in India in the Post Economic Reform Era (1991-2008) . Bengal: university of north Bengal
SEN, S 2008 -An Analysis of Life Insurance Demand Determinants for Selected Asian Economies and India. India: Madras school of Economics
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