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Register a new userDeterminants of Profitability in the Insurance Companies An Applied Study on the Insurance Companies Operating in Syria
محددات الربحية في شركات التأمين دراسة تطبيقية على شركات التأمين العاملة في سورية
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يهدف هذا البحث إلى التعرف على العوامل المؤثرة على ربحية شركات التأمين العاملة في سورية, إسهاماً في مساعدة إدارة تلك الشركات على تهيئة المناخ الملائم بما يضمن لهذه الشركات استمرارها و نجاحها في تحقيق أهدافها و تحقيق التنمية الاقتصادية المنشودة. لتحقيق غرض الدراسة تم جمع البيانات من شركات التأمين العاملة في سورية, و قد استثنيت من الدراسة كلاً من شركة العقيلة للتأمين التكافلي بسبب التزامها بمبادئ الشريعة الإسلامية, و المؤسسة العامة السورية للتأمين لعدم توفر البيانات المالية الخاصة بها. امتدت فترة الدراسة من العام 2009 إلى العام 2013. لغرض تحليل بيانات الدراسة تم استخدام أحد نماذج الـ Panel Data و هو نموذج الانحدار التجميعي. تم تحليل البيانات بالاعتماد على البرنامج الإحصائي7 Eviews. أظهرت نتائج الدراسة أن كلاًّ من الأزمة السياسية و الاستثمارات تؤثر إيجاباً على ربحية الشركة, أما الرافعة المالية تؤثر بشكل سلبي على ربحية شركات التأمين, أما حجم الشركة و السيولة لم يظهر لها أثر على ربحية شركات التأمين.
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.
Artificial intelligence review:
Research summary
تهدف هذه الدراسة إلى تحديد العوامل المؤثرة على ربحية شركات التأمين العاملة في سورية، وذلك لمساعدة إدارات هذه الشركات على خلق بيئة مناسبة تضمن استمراريتها ونجاحها في تحقيق أهدافها الاقتصادية. تم جمع البيانات من شركات التأمين السورية للفترة من 2009 إلى 2013، باستثناء شركة العقيلة للتأمين التكافلي والمؤسسة العامة السورية للتأمين. استخدمت الدراسة نموذج الانحدار التجميعي لتحليل البيانات باستخدام برنامج Eviews7. أظهرت النتائج أن الأزمة السياسية والاستثمارات تؤثران إيجابياً على الربحية، بينما تؤثر الرافعة المالية سلباً، ولم يظهر حجم الشركة والسيولة أي تأثير على الربحية. توصي الدراسة بضرورة دراسة نسبة الرافعة المالية بعناية وزيادة الاهتمام بالاستثمارات المربحة.
Critical review
تعتبر هذه الدراسة خطوة مهمة لفهم محددات الربحية في شركات التأمين السورية، إلا أنها تعاني من بعض القيود. أولاً، استبعاد شركتين مهمتين قد يؤثر على شمولية النتائج. ثانياً، الفترة الزمنية القصيرة نسبياً قد لا تكون كافية لإبراز التأثيرات طويلة الأمد للعوامل المدروسة. ثالثاً، الاعتماد على نموذج الانحدار التجميعي قد لا يكون كافياً للتعامل مع التعقيدات المحتملة في البيانات. وأخيراً، كان من الممكن توسيع نطاق الدراسة لتشمل عوامل خارجية أخرى مثل التغيرات الاقتصادية العالمية وتأثيرها على الربحية.
Questions related to the research
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ما هي العوامل التي تؤثر إيجابياً على ربحية شركات التأمين السورية وفقاً للدراسة؟
الأزمة السياسية والاستثمارات تؤثران إيجابياً على ربحية شركات التأمين السورية.
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ما هو تأثير الرافعة المالية على ربحية شركات التأمين السورية؟
الرافعة المالية تؤثر سلباً على ربحية شركات التأمين السورية.
-
هل أظهرت الدراسة أي تأثير لحجم الشركة والسيولة على الربحية؟
لم يظهر حجم الشركة والسيولة أي تأثير على ربحية شركات التأمين السورية.
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ما هي التوصيات التي قدمتها الدراسة لتحسين ربحية شركات التأمين السورية؟
توصي الدراسة بضرورة دراسة نسبة الرافعة المالية بعناية وزيادة الاهتمام بالاستثمارات المربحة.
References used
AYELE, A. Factors Affecting Profitability of Insurance Companies in Ethiopia: Panel Evidence. Master thesis, Addis Ababa University, Addis Ababa, Ethiopia, 2012, 1- 63
MALIK, H. Determinants of Insurance Companies Profitability: An Analysis of Insurance Sector of Pakistan. Academic Research International. Vol. I(3), 2011, 315-321
CHARUMATHI, B. On the Determinants of Profitability of Indian Life Insurers – An Empirical Study. Proceedings of the World Congress on Engineering. Vol. I, 2012, 978-988
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