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Register a new userThe Impact of liquidity and Capital Adequacy and ownership percentage and debt rate of Private Insurance Companies in Syria "Case Study
أثر السيولة وكفاية رأس المال ومعدل المديونية في ربحية شركات التأمين الخاصة في سورية "دراسة حالة الشركة الوطنية للتأمين NIC"
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Added by
Hama University ورقة بحثية
Publication date
2019
fields
Economy
and research's language is
العربية
Created by
Shamra Editor
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تعالج هذه الدارسة مشكلة الربحية في شركات التأمين وتهدف إلى تحليل ومناقشة أثر كل من نسب السيولة وكفاية رأس المال والمديونية في ربحية الشركة الوطنية للتأمين، وفي ظل افتراض أن هناك أثر ذو دلالة إحصائية لكل من المتغيرات المستقلة (السيولة، كفاية رأس المال، المديونية) في المتغير التابع (العائد على الأصول) باستخدام أسلوب تحليل الانحدار البسيط لدراسة العلاقة بين كل متغير مستقل ومتغير تابع واستخدام أسلوب تحليل الانحدار المتعدد لدراسة أثر المتغيرات المستقلة مجتمعة في المتغير التابع وذلك بالاعتماد على برنامج التحليل الإحصائي SPSS خلال الفترة الزمنية من عام 2009 إلى عام 2016، وخلصت الدراسة إلى وجود علاقة عكسية ولكنها ليست ذات دلالة احصائية لكل من (نسبة السيولة ومعدل المديونية) والعائد على الأصول، وإلى وجود علاقة عكسية وذات دلالة احصائية لنسبة كفاية رأس المال والعائد على الأصول. ومن أهم النتائج التي توصلت إليها تلك الدراسة أن الشركة الوطنية للتأمين تمتعت بمستوى عالي من الملاءة المالية بما يضمن مواجهة خطر فشل استرداد جزء من أموالها المستثمرة وهذا ماأكده عدم مشاهدة أي حالة انخفاض في نسبة كفاية رأس المال (هامش الملاءة) عن 150% وهو الحد النمطي المسموح به، وأن نسبة السيولة تزايدت خلال الفترة المدرسة وهذا مايؤكد أن الشركة الوطنية للتأمين تحرص في اتخاذ قراراتها الاستثمارية حتى لاتتعرض لعسر مالي.
This study addresses the problem of profitability in insurance companies and aims to analyze and discussion the impact of liquidity and capital adequacy and debt rate of National Insurance Company. Assuming that there is impact statistically significant for each of the independent variables (liquidity, capital adequacy, debt rate) in the dependent variable (ROA). By using simple regression analysis to study the relationship between each dependent variable and a dependent variable and use the multiple regression analysis to study the impact of the independent variables together in the dependent variable. By using SPSS statistical analysis program. During the time from 2009 to 2016. The study showed inverse correlation but not statistically significant between (liquidity ratio and debt rate) and (ROA), and inverse correlation with statistically significant between (capital adequacy ratio) and (ROA). The most important results of this study are that the National Insurance Company has a high level of solvency to ensure the risk of failure to recover part of its funds and this ensures that no reduction in the capital adequacy ratio (margin of solvency) is less than 150%, which is the permissible limit. In addition, that the liquidity ratio increased during the period and this confirms that the National Insurance Company is work to take its investment decisions to not exposing to a financial difficulty.
References used
Adams,M and Buckle.M, (2003), The Determinants of Corporate Financial Performance In Bermuda Insurance Market, Applied Financial Economic, Vol 4, No 13.
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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 study deals with analysis and discussion the impact of
capital risk, credit risk, operational risk and liquidity risk on
capital adequacy at Byblos Bank, Through analyze its financial
statements of the variables of the study, By Using simple
regression analysis, Using the (SPSS 19) statistical analysis
program, during the time period of 2009-2014.
The formation of optimal capital structure is considered as one of the
most difficult challenges that face management at banks, by exploring
the capital structure at Syrian private banks, the researcher noticed that
Syrian private banks depend on
short term debt financing, however, the
researcher sees that this kind of debt will have a weak impact on the
profitability of Syrian private banks for not having long term debt
financing. Thus this study discussed the impact of capital structure on
profitability at Syrian Private Banks, it answered questions where if there
were a significant impact of retention ratio, debt ratio, and leverage ratio
on profitability measured by return on assets, return on equity, and net
investment margin.
This study aims to recognize the determinants of capital adequacy in
Syrian private banks listed in Damascus stock exchange. Through
review of main theoretical and empirical research, six factors were
chosen such as: credit risk, interest rate ris
k, liquidity risk, leverage
risk, bank size and profitability. Analysis of data which was
extracted from financial semi- annual reports of these banks was
performed using multiple linear regression. The results showed
inverse correlation between credit risk, interest rate risk and capital
adequacy ratio. This study also confirms positive relationship
between leverage risk and capital adequacy ratio. On the other hand,
the size of the bank and its profitability does not seem to have
essential role in determining capital adequacy ratio in Syrian private
banks.
The Importance and the problem of the research lies in the urgent
need of all organizations to a distinct successful manager able to
achieve the objectives. It should also be noted that the supervisor in
the private organizations should pay attent
ion to fulfill the job
taking into account the needs and wishes of the workers at the same
time by creating a harmonious positive case between both directions
in what ensure achieving the objective of the organization the
highest productivity and best performance. The study relied on two
main variables: the independent variable (leadership style) and the
dependent (Organizational performance) .
The study is a questionnaire addressed to insurance organizations
that was designed in the form of three models, the first one is
prompt for Administrators and the second for employees and for the
customers.
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