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The 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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 Publication date 2019
  fields Economy
and research's language is العربية
 Created by Shamra Editor




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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.


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Research summary
تتناول هذه الدراسة أثر السيولة وكفاية رأس المال ومعدل المديونية على ربحية شركات التأمين الخاصة في سورية، مع التركيز على الشركة الوطنية للتأمين (NIC) كدراسة حالة. استخدمت الدراسة أساليب تحليل الانحدار البسيط والمتعدد لتحليل البيانات المالية للفترة من 2009 إلى 2016 باستخدام برنامج SPSS. أظهرت النتائج وجود علاقة عكسية غير دالة إحصائيًا بين نسب السيولة ومعدل المديونية والعائد على الأصول، بينما كانت العلاقة عكسية ودالة إحصائيًا بين نسبة كفاية رأس المال والعائد على الأصول. أكدت الدراسة أن الشركة الوطنية للتأمين تتمتع بملاءة مالية عالية ونسبة سيولة متزايدة، مما يضمن عدم تعرضها لعسر مالي. توصي الدراسة بضرورة تنويع الخدمات التأمينية والاستثمارات ونشر الوعي التأميني.
Critical review
تعتبر هذه الدراسة مهمة لفهم العوامل المؤثرة على ربحية شركات التأمين في سورية، إلا أنها تقتصر على شركة واحدة فقط، مما قد يحد من تعميم النتائج على باقي الشركات في القطاع. كما أن الدراسة اعتمدت على بيانات مالية لفترة محددة (2009-2016)، مما قد لا يعكس التغيرات الاقتصادية والسياسية التي حدثت بعد هذه الفترة. كان من الممكن تعزيز الدراسة بمقارنة نتائجها مع شركات تأمين أخرى في المنطقة أو العالم للحصول على رؤية أشمل.
Questions related to the research
  1. ما هي العلاقة بين نسبة السيولة والعائد على الأصول في الشركة الوطنية للتأمين؟

    أظهرت الدراسة وجود علاقة عكسية غير دالة إحصائيًا بين نسبة السيولة والعائد على الأصول، مما يعني أن زيادة السيولة قد تؤدي إلى انخفاض العائد على الأصول.

  2. هل هناك تأثير ذو دلالة إحصائية لنسبة كفاية رأس المال على العائد على الأصول؟

    نعم، أظهرت الدراسة وجود علاقة عكسية وذات دلالة إحصائية بين نسبة كفاية رأس المال والعائد على الأصول.

  3. ما هي التوصيات التي قدمتها الدراسة لشركات التأمين؟

    توصي الدراسة بضرورة تنويع الخدمات التأمينية والاستثمارات، ونشر الوعي التأميني، وتشجيع البحث العلمي في مجال التأمين.

  4. ما هي الفترة الزمنية التي غطتها الدراسة؟

    غطت الدراسة الفترة الزمنية من عام 2009 إلى عام 2016.


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.
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