scholarly journals Factors Influencing Life Insurance Market Development in Montenegro

2017 ◽  
Vol 25 (2) ◽  
pp. 141
Author(s):  
Milijana Novovic Buric ◽  
Maja Bacovic ◽  
Julija Cerovic ◽  
Milena Lipovina Bozovic

Montenegrin insurance market is in a low level of development compared to developed countries, with dominant share of non-life insurance. There are many factors influencing the insufficient development of life insurance in Montenegro. This manuscript offers an analysis of significant factors that have important impact on life insurance products purchase. In order to prove the hypotheses established in the manuscript, based on the survey, chi square test of independency and regression analysis were carried out. Testing results showed that age structure and education as demographic factors as well as level of employment as economic factor highly influence demand for life insurance in Montenegro while there is no evidence that different trust in insurance system, gender and region influenced purchase of life insurance.

2020 ◽  
pp. 225-239
Author(s):  
Pih-Shuw Chen ◽  
Jia-Jan Lee ◽  
Pei-Fen Ou

The purpose of this study is to understand the main factors influencing the additional purchase of home loan life insurance at the time of home loan processing with Taiwan's banks. We used Taiwanese banks 417 customers who applied for housing guarantee loans from between 2014-2018. The chi-square test shows that gender and occupation significantly influence the purchase of home loan life insurance. The logistic regression analysis indicates that occupation significantly influences the purchase of home loan life insurance. This study may provide a basis for banking practitioners to develop future customers in the insurance industry.


2020 ◽  
Vol 26 (7) ◽  
pp. 1610-1630
Author(s):  
E.L. Prokop'eva

Subject. The article investigates and quantifies factors of insurance markets functioning in Russian regions, and reveals possibilities to manage them. Objectives. The purpose of the study is to substantiate regional factors that determine the specifics of regional insurance market development; to quantify them to increase the efficiency of regional insurance. Methods. The study draws on statistical methods, functional analysis, algorithm development, correlation and regression analysis. Results. I calculated coefficients of pair and multiple correlation with the indicators of insurance markets in the context of the subjects of the Russian Federation, and composed regression equations. Based on the analysis, I determined the algorithm for inverse effect of the insurance market on the economic, social, fiscal and environmental performance of the region, offered appropriate measures aimed at developing the economic potential of the region and its social sphere. Conclusions. The paper considers the case of the Republic of Khakassia, one of depressed subjects in the Siberian Federal District. The developed models can be used for other regions of Russia, given the geographical and economic features of development. The findings may help generate regional strategies for socio-economic development at the country level. The scientific contribution and the novelty of the work consist of systematizing and quantifying the factors affecting the insurance mechanisms of regional markets, and assessing the inverse effect of insurance mechanisms on integrated development of the region.


Author(s):  
Dur-e- Nishat

Background: Family medicine is a field in which complete and detailed set of healthcare services are provided to the patients and their families. In developed countries, freshly graduated students choose family medicine as a priority for their career. However, in Pakistan it is not the case. The present study is undertaken to determine the perceptions of final year medical students’ about Family Medicine as a viable career. Methods: A total number of 504 students participated in the study. This was a cross-sectional study. The study participants were in their final year of medical college. Data was collected using a preapproved questionnaire. Data was entered and analyzed via SPSS version 17 and Chi-Square test was used post-stratification. Results: Only 14.3% (n=72) medical students had heard about Family Medicine. Only 18% (n=92) would select family medicine as a profession. The most frequent rationale for choosing the field of Family Medicine was the variety of patients seen in general practice (55.4% n=51). Conclusion: There is a dire need to focus on increasing awareness about the field of family medicine among medical students. The students should be counseled on the advantages along with the disadvantages of choosing this field as a medical profession.


Author(s):  
Mee Sun Lee ◽  
Sujin Shin ◽  
Eunmin Hong

The secondary traumatic stress (STS) of nurses caring for COVID-19 patients is expected to be high, and it can adversely affect patient care. The purpose of this study was to examine the degree of STS of nurses caring for COVID-19 patients, and we identified various factors that influence STS. This study followed a descriptive design. The data of 136 nurses who had provided direct care to COVID-19 patients from 5 September to 26 September 2020 were collected online. Hierarchical regression analysis was conducted to identify the factors influencing STS. Participants experienced moderate levels of STS. The regression model of Model 1 was statistically significant (F = 6.21, p < 0.001), and the significant factors influencing STS were the duration of care for patients with COVID-19 for more than 30 days (β = 0.28, p < 0.001) and working in an undesignated COVID-19 hospital (β = 0.21, p = 0.038). In Model 2, the factor influencing STS was the support of a friend in the category of social support (β = −0.21, p = 0.039). The nurses caring for COVID-19 patients are experiencing a persistent and moderate level of STS. This study can be used as basic data to treat and prevent STS.


2019 ◽  
Vol 17 (Suppl.1) ◽  
pp. 107-114
Author(s):  
D. Pastarmadzhieva

The electoral system of a country is related to the political, economic and social areas of life. Their functioning directly or indirectly depends on it and the different types and subtypes of electoral systems produce different effects. The purpose of the current study is to identify if there is a relation between the statute of the least developed countries and their electoral system. The object of the study are countries, defined as least developed in 2018 by the United Nations. The focus is the type of electoral system for the legislative body (or its lower chamber in case of bicameralism) of these countries, their regime type, overall score and the score for electoral process and pluralism according to EIU Democracy Index 2018. For the purposes of the analysis statistical methods (frequencies, hypothesis test and chi-square test) and comparative approach are used. The results show that there is statistically significant relationship between the statute of least developed countries and their electoral system on one hand and their regime type on other. There is also a statistically significant difference in the scores of least developed countries compared to all others regarding the evaluation of democracy and the electoral process and pluralism.


2020 ◽  
Vol 18 (2) ◽  
Author(s):  
Abdul Azim Asy Abdul Aziz ◽  
Aimi Amalina Ahmad ◽  
Azlan Jaafar ◽  
Norazlina Mohammad ◽  
Aws H Ali AlKadhim

Introduction: Tooth restoration is a common, routine procedure among dentists but still has its own difficulties especially for posterior teeth. As it is a straightforward procedure, some dentists are not aware of the difficulties that may contribute in reducing the longevity of the filling. The aim of the study is to determine the difficulties encountered during and after placement of restorative materials in deep cavities. Materials and methods: Standardized questionnaires were divided randomly among general private dental practitioners in Kuala Lumpur. Chi-square test was used to determine any significant factors associated with difficulties of material placement. Results: This study showed that the most frequent difficulties encountered among practitioners were to obtain good moisture control (39.0%). No significant association was found between obtaining good moisture control and year of clinical experience (p= 0.286) and also place of graduation with the manipulation of the materials (p= 0.542). Conclusion: Dental practitioners claimed that it was difficult to obtain good moisture control in placement of posterior restoration. Thus, it is an obligation of dental practitioners to practice proper isolation and good manipulation of materials on posterior restoration.


2018 ◽  
Vol 64 (1) ◽  
pp. 255-263
Author(s):  
José M. Pratas ◽  
Anna Volossovitch ◽  
Ana I. Carita

AbstractThe aim of this study was to examine the sequences of the first two goals scored in soccer matches in accordance with a range of different match contexts. Data from 1506 matches played in the Portuguese Premier League during six consecutive competitive seasons (2009-10 to 2014-2015) were analysed using descriptive statistics and the chi-square test in order to verify the association between variables and a Cox regression analysis was used to predict the time the second goal was scored in function of the time of the first goal scored in the match and the scoreline. The results revealed a higher frequency of the second goals being scored in the second half of a match (58%) and in the last 5 min periods of each half. A positive association was found for home teams and score-doubling goals (58%), as well as for away teams and score-equalizing goals (56%). For home and away teams the score-doubling goal of a match was strongly and positively associated with a win outcome for home (93%) and away teams (92%), while the score-equalizing goals were associated with a draw (home and away teams: 44%) and loss outcome (home: 33% and away teams: 32%). Finally, the Cox model showed that if the first goal was scored in the second half of the match, the probability of the second goal being scored was three times higher compared to the first half.


Author(s):  
Jorge Nelson da Silva Júnior ◽  
Rafael Lima Kons ◽  
Rodolfo André Dellagrana ◽  
Daniele Detanico

This study aimed to identify types and sites of body injury, location of injury occurrence, and the mechanism and severity of injuries in novice and advanced Brazilian jiu-jitsu (BJJ) athletes. One hundred and eight BJJ athletes took part in this study separated in two groups: advanced (n = 53) and novice (n = 55). Athletes answered a questionnaire concerning regions of injury, locality of occurrence, injury severity and mechanism. Chi square test and a logistic regression analysis were used with the level of significance set at p < 0.05. The main results showed that shoulders and knees were the most injury location reported by novice and advanced athletes. Novice athletes demonstrated higher prevalence of injuries during training sessions (54.5%), whereas advanced athletes reported more injuries during competitions (66.1%). Significant associations between novice and advanced athletes were observed for major joints (p < 0.05). The odds ratio of having injury was 70-87% less for novice versus advanced athletes for the major joints cited. We concluded that BJJ athletes demonstrate high prevalence of injury mainly at knee and shoulder. While risk of injury appeared less in novice, the advanced demonstrated higher number of injuries during competitions as a consequence of injured joint keys. By contrast, novice athletes reported higher number of injuries associated with training sessions as a consequence of overuse.


2015 ◽  
Vol 9 (03) ◽  
pp. 232-238 ◽  
Author(s):  
Victor Santana Santos ◽  
Andressa Mayara Santos de Matos ◽  
Lorena Sheila Alves de Oliveira ◽  
Ligia Mara Dolce de Lemos ◽  
Ricardo Queiroz Gurgel ◽  
...  

Introduction: The clinical outcomes of leprosy include complications such as physical disabilities and deformities that vary according to the degree of impairment of nerve trunks. Knowledge of the factors that lead to the development of these complications is important for disability prevention programs. This study aimed to evaluate clinical factors associated with the occurrence of physical disability in leprosy cases. Methodology: This was a retrospective study of 2,358 cases of leprosy in Aracaju, northeast Brazil, between 2001 and 2011. Analysis was done using the Chi-square test and logistic regression model. Results: Significant factors associated with disability were found to be male gender, having more than two affected nerves, multibacillary leprosy classification, leprosy reaction, and lepromatous leprosy. The multivariate analysis revealed that the associated factors included having more than two affected nerves, leprosy reaction (adjusted odds ratio [aOR]: 2.02, 95% confidence interval [CI]: 1.36 to 3.01), the multibacillary form (aOR: 2.74, 95% CI: 1.84 to 4.08), and lepromatous leprosy (aOR: 4.87, 95% CI: 2.86 to 16.08). Conclusions: The number of affected nerves, leprosy reaction, operational classification, and clinical presentation were identified as the main factors associated with the development of disability in leprosy patients.


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