The financial industry is growing up rapidly, enabling large volumes of transactions to be carried out. This growth has significantly increased the demand for insurance and insurance products. Though prior studies have examined the... more
The financial industry is growing up rapidly, enabling large volumes of transactions to be carried out. This growth has significantly increased the demand for insurance and insurance products. Though prior studies have examined the factors that drive the performance of the insurance industry from life and non-life perspective, not much attention had been given to the contribution of insurance brokers who perform key roles in the insurance sector. This study examined the factors that determine the profitability of insurance brokers in a developing economy, Ghana. Panel data from 64 insurance brokerage firms were sampled over a period of 5 years (2011 to 2015). The study adopted a fixed effects and random effects estimation model using robust standard errors to check for biases. We found that monetary assets and firm size positively affects returns (ROA and ROE) whilst debt and fixed assets had a negative effect on returns. Comparing monetary assets and size, size contributed more to profitability. The study recommends that government, policymakers, and other stakeholders adopt competent growth and development strategies to ensure the sector is more resourced.
When it comes to planning your family's financial future, it makes good sense to take every possible step to protect their standard of living. So if you've gone to all of the effort of putting the right policies in place, it would be a... more
When it comes to planning your family's financial future, it makes good sense to take every possible step to protect their standard of living. So if you've gone to all of the effort of putting the right policies in place, it would be a real shame if a sizable proportion ended up in the tax man's pockets. But this is unfortunately what often happens, with more than half a billion pounds every year being paid in inheritance tax (IHT) from life insurance policies. One solution you could consider to make sure this doesn't happen, is putting your policy into a trust. Taking out life insurance within a trust makes the policy exempt from IHT if you die as it places it outside of your estate.
José A. Piqueras (ed.) Casa de las Américas y Universitat Jaume I. Mirada transversal sobre el paisaje socioeconómico de la esclavitud, que aúna las empresas de seguros de esclavos y sus vínculos con el capital norteamericano, a partir... more
José A. Piqueras (ed.) Casa de las Américas y Universitat Jaume I. Mirada transversal sobre el paisaje socioeconómico de la esclavitud, que aúna las empresas de seguros de esclavos y sus vínculos con el capital norteamericano, a partir de una primera versión presentada en el V Seminario Internacional "Cuba y la plantación esclavista", celebrado en noviembre de 2013 en La Habana.
Semoga buku ini dapat berkontribusi dalam meningkatkan pemahaman masyarakat khususnya mahasiswa dalam memahami asuransi, asuransi syariah, peran agen dan pialang asuransi, sehingga diharapkan mahasiswa yang telah paham dapat mengamalkan... more
Semoga buku ini dapat berkontribusi dalam meningkatkan pemahaman masyarakat khususnya mahasiswa dalam memahami asuransi, asuransi syariah, peran agen dan pialang asuransi, sehingga diharapkan mahasiswa yang telah paham dapat mengamalkan ilmunya pada masyarakat dan terwujudlah literasi keuangan yang diharapkan. Bagaimana pun juga, buku ini tentu jauh dari kata sempurna, sehingga bila para pembaca yang budiman mempunyai kritik dan saran kiranya dapat disampaikan kepada penulis agar penulis dapat mewujudkan karya yang lebih baik di masa yang akan mendatang
Identifying the risk of the insured party is the main task of the insurance broker who acts as the insured's representative who has the right to become an intermediary between the insured party and the insurance company. The purpose of... more
Identifying the risk of the insured party is the main task of the insurance broker who acts as the insured's representative who has the right to become an intermediary between the insured party and the insurance company. The purpose of this study is to analyze the governance of sharia insurance brokers in identifying the risks that exist to the insured. Qualitative method is a method used to provide a comprehensive picture. The results of this study state that sharia insurance brokers have implemented good corporate governance and have carried out their duties and obligations as representatives implementing the values of governance, risk management and Sharia Compliance. Sharia Insurance Broker professionalism will be felt by the insured if the insurance claim settlement can be done in accordance with the agreement.
Lundi 10 Février 2020, le gouvernement américain a mis en examen 4 pirates informatiques chinois qui avaient hackés en 2017 les informations personnelles de 145 millions d'Américains, détenues par l'entreprise Equifax. Entre ces pratiques... more
Lundi 10 Février 2020, le gouvernement américain a mis en examen 4 pirates informatiques chinois qui avaient hackés en 2017 les informations personnelles de 145 millions d'Américains, détenues par l'entreprise Equifax. Entre ces pratiques agressives délictueuses de celles opaques des « data brokers » qui collectent et stockent des informations personnelles à notre insu, il semble légitime de s’interroger !
