scholarly journals ANALYSIS OF THE PREMIUM TREND IN THE INSURANCE INDUSTRY IN KOSOVO 2013 - 2017

2019 ◽  
Vol 31 (1) ◽  
pp. 113-122
Author(s):  
Sokol Berisha
Keyword(s):  
Central Bank ◽  
Decision Maker ◽  
Financial Stability ◽  
Insurance Industry ◽  
Secondary Data ◽  
Developed Countries ◽  
Annual Reports ◽  
Primary Data ◽  
Faster Development

Kosovo continues to be one of the countries with the most undeveloped economy in the region and with negative measuring indicators of the economic development, high unemployment, a deep negative commercial balance, and non-favorable macro economical politics to guarantee a faster development trend, although it has marked a positive economical increase in recent years but too insufficient to weaken poverty and decrease the unemployment rate. The insurance sector participates with only 3% in the Kosovo financial sector, except for its very symbolic participation, this industry is characterized by a very low degree of development and the main motive is to analyze the very slow trend of industry development, to identify the causes and factors that have influenced this segment to be so underdeveloped and of a very symbolic weight in the Kosovo economy.The purpose of this paper is to explain the trend of insurance premiums on insurance industry in Kosovo, effect of foreign investments in this sector, also the positive implications in the competition in this market. The purpose of a study can be classified into two major categories; descriptive and explanatory.For our case study, I have collected primary data by conducting closed interviews. I have interviewed 10 senior risk underwriter managers from all companies present in the insurance industry in Kosovo. Methodology and data collection for our research paper it is based on case study method, analyzing trend of premiums through case study, we have collected also secondary data or archival records from Central Bank Kosovo from specific documents: official yearly annual reports, annual financial stability reports. This is based on the reasoning that this data archive consists of official information collected, processed and published by the central bank of Kosovo as the oversight body of the financial system in Kosovo. Other source of secondary data used it is annual reports published on websites of the Insurance Companies.In this paper I focused specifically on inquiring about the level of development of the insurance industry in Kosovo. I have also specifically explored and presented strategic orientation and detailed activities through which the premium structure in Kosovo could be changed in favor of voluntary insurance. Also another very important goal is the susceptibility of the relevant decision maker factors and the whole readers that the results of this analysis relevant findings to influence in order to sensitize the decision maker and readers for the situation and for the need of focus that this segment should be developed because it is one of the most important segments in the economies of developed countries or for an undeveloped country and economy that aims a strategic objective for a faster development.

scholarly journals A Review of the Recent Developments of Green Banking in Bangladesh

2021 ◽  
Vol 13 (4) ◽  
pp. 1904
Author(s):  
Fatema Khairunnessa ◽  
Diego A. Vazquez-Brust ◽  
Natalia Yakovleva
Keyword(s):  
Central Bank ◽  
Financial Institutions ◽  
Financial Regulation ◽  
Economic Transition ◽  
Secondary Data ◽  
Developed Countries ◽  
Annual Reports ◽  
Infrastructure Development ◽  
Recent Developments ◽  
The Developed Countries

This paper aims to explore the emergence of ‘Green Banking’ in Bangladesh, with a focus on the role of financial regulation and regulators in greening the financial sector. It also examines the contribution and involvement of banks and non-bank financial institutions in promoting green economic transition. The study is based on the review of secondary data collected from various sources, such as quarterly reports, annual reports, websites of the central bank of Bangladesh, and other commercial banks and non-bank financial institutions as well as various articles, and newspapers reports on green banking in Bangladesh. The collected data is reviewed using descriptive statistics. The research results reveal that the central bank of Bangladesh played a major role in greening the financial system of the country by implementing various green policies and regulatory measures. Although Bangladesh is still far behind the developed countries in terms of environmental performance, the country has made a remarkable progress in initiating and expanding green banking practices, infrastructure development, and accelerating green growth in recent years.

scholarly journals Islamic Sukuk and Its Role in Supporting the Budget Deficit: Case Study on The Central Bank in The Jordan

2016 ◽  
Vol 8 (4) ◽  
pp. 173
Author(s):  
Abedalfattah Zuhair Al-abedallat
Keyword(s):  
Central Bank ◽  
Budget Deficit ◽  
Word Meaning ◽  
Secondary Data ◽  
Primary Data ◽  
Study Approach ◽  
Current Period ◽  
The Cost ◽  
Good Substitute

Market Sukuk (Arabic word meaning bond) grown very large in the recent period, which is similar to conventional Eurobonds, Islamic Sukuk increased in the current period, and it is a good substitute for conventional bonds, but in Jordan instruments Islamic Market still suffers a lot of obstacles, though that Jordan suffers greatly from debt and increasing annually, but there is no practical step by the central bank to issue instruments Islamic alternative for the issuance of government bonds.The purpose of the study to investigate the obstacles that prevented the issuance of central bank for those instruments, and the study approach is the Data was collected by two methods first, primary data was collected using questionnaire, second, secondary data was collected using literature.The study found that  there are obstacles prevented the issuance of central bank  the instruments Islamic including: regulatory risk, and liquidity risk, and regulatory obstacles, and the cost of issuance, and the research has recommended that: the central bank should prepare the laws to issuance Islamic sukuk, and the central bank should encourage the Islamic banks to issuance Islamic sukuk.

Emerging multinationals investing in developed countries

2017 ◽  
Vol 15 (1) ◽  
pp. 124-142 ◽  
Author(s):  
Selena Aureli ◽  
Massimo Ciambotti ◽  
Alessandro Dragoni
Keyword(s):  
Development Strategy ◽  
Developed Countries ◽  
Annual Reports ◽  
Primary Data ◽  
Joint Stock Company ◽  
Structured Interviews ◽  
Stock Company ◽  
Content Type ◽  
Evaluation Phase

Purpose The aim of this work is to investigate the key factors that lead to a successful deal in the case of acquisitions of Western companies by multinationals from emerging countries (EMNCs). Design/methodology/approach This study adopts a qualitative paradigm and uses a case study method as a tool of analysis. The case concerns Fondalmec, an Italian unlisted medium-sized joint stock company. The company was acquired in 2007 by the Indian multinational Endurance. Primary data were collected through semi-structured interviews and integrated with secondary data retrieved from relevant documents such as annual reports prepared before and after the acquisition. Findings Research findings show that EMNCs have some country-specific characteristics, which should be adequately assessed and realigned to the characteristics of the host country and targets’ resources during both the evaluation phase and the integration process. Research limitations/implications The research limitation is attributed to there being only one case study analysis. Practical implications The study recommends examining the country of origin of the acquirer and suggests EMNCs’ managers to prefer a “light-touch” integration of Western target companies to gain access to their intangible assets and achieve success. Originality/value This work differs from much of the existing literature on mergers and acquisitions because it focuses on EMNCs and analyses the target company together with the buyer and their post-operative development strategy. Furthermore, it is one of the few empirical research studies on non-listed companies, which are often overlooked given the greater difficulty of accessing data.

scholarly journals Role of Institutions in Combating the Effects of Flood Hazard in Punjab-A Case Study of District Chiniot

2020 ◽  
Vol 1 (1) ◽  
pp. 31-41
Author(s):  
Syed Javed Hussain Shah
Keyword(s):  
Graphical Representation ◽  
Flood Hazard ◽  
Geographic Location ◽  
Secondary Data ◽  
Developed Countries ◽  
Climatic Conditions ◽  
Primary Data ◽  
Work Related ◽  
The Developed Countries

Naturally occurring events such as earthquakes, volcanoes, floods etc. cast great impact on physiography of land and lives of the people. Floods are the most common of all the natural hazards. Physical, social, economic and environmental vulnerabilities make the developing countries more susceptible to disasters as compared to the developed countries which have great sources and resources to cope with any disastrous situation. Pakistan is one of the most flood prone countries of South Asia and a number of floods have caused significant damage and loss both physically and economically particularly during the floods of 1950, 1992, 1998, 2010, 2011 and 2014.Theses floods are primarily caused by the heavy monsoon rainfalls accompanied by snow melting in the northern mountainous areas of the country. Among all the provinces, Punjab is most prone to floods and faces great damage and loss because it is the home of more than half of the country’s population. As it is densely populated, so the destruction here is more than other provinces. Besides, Punjab’s geographic location and climatic conditions make it more vulnerable to monsoon floods. Primary data from a field survey of the case study area through a questionnaire was obtained while the related secondary data was derived from different published government’s reports, journals and already done work related to the topic. For graphical representation of work done, simple statistical techniques attributed with descriptive research were followed. This research is aimed to have an inner look into the structures and functions of the institutes which are working to combat the effects of floods in Pakistan. The main purpose of this study is to find out the plans and strategies of different institutions to combat the effects of floods.

scholarly journals ESTRATÉGIAS DE INTERNACIONALIZAÇÃO DO SETOR AGROINDUSTRIAL BRASILEIRO DE CARNES: EXPORTAÇÃO OU INVESTIMENTO DIRETO NO EXTERIOR? DOI:10.7444/fsrj.v2i2.59

2010 ◽  
Vol 2 (2) ◽  
pp. 132-161
Author(s):  
Eva Stal ◽  
Vanderlei José Sereia ◽  
Ricardo Cesso da Silva
Keyword(s):  
Secondary Data ◽  
Annual Reports ◽  
Primary Data ◽  
Competitive Advantages ◽  
Foreign Markets ◽  
Reactive Strategy ◽  
Internationalization Strategies ◽  
Multiple Case ◽  
Internationalization Strategy

The article analyzes the internationalization strategies of the four largest Brazilian companies in the meat (beef, pork and poultry) agribusiness sector, by considering the comparative and competitive advantages of the country and the companies. JBS, Marfrig, Sadia and Perdigão were studied, of which the last two merged in May 2009, forming Brasil Foods. The authors looked into what led these companies to start investing  abroad directly, as from 2005, as a complement to their exports, the preferred strategy for placing products in foreign markets. The research method used was the multiple case study, drawing on primary data (interviews, corporate annual reports, financial statements, press releases and shareholder information) and secondary data (theses, dissertations, academic articles, reports in newspapers and business journals), using bibliographic and documentary research. Everything was analyzed in the light of international business and strategy theories. The results show that exports still predominate and that investing directly abroad was, in principle, a reactive strategy to sanitary barriers against Brazilian products. However, the acquisition of companies in restriction-free countries has increased as part of a forward-looking strategy for gaining access to new markets and strengthening brands. Key-words: Agribusiness. Internationalization. Strategy. 

scholarly journals Reinsurance and Performance of the Ceding Companies: The Nigerian Insurance Industry Experience

2017 ◽  
Vol 31 (1) ◽  
pp. 19-29
Author(s):  
Sunday Adekunle Aduloju ◽  
Sunday Stephen Ajemunigbohun
Keyword(s):  
Financial Stability ◽  
Insurance Industry ◽  
Secondary Data ◽  
Sampling Technique ◽  
Insurance Companies ◽  
Primary Data ◽  
Return On Equity ◽  
Study Population ◽  
And Performance ◽  
Premium Income

Abstract This paper examines the relationship between ceding office gross premium income, underwriting profit and financial stability. The study made use of primary and secondary data. The primary data were obtained from 246 respondents selected from those companies through the use of structured questionnaire. The secondary data obtained from the 2014 and 2015 published financials of the selected ten companies were used to determine the Reinsurance Ceded Ratio (RCR), Return on Asset (ROA), Return on Equity (ROE) as well as the Ratio of Reinsurance Recoverables to Policyholders Surplus (RRPHS). A descriptive research design was employed. The sampling technique adopted was purposive in nature. The study population comprises 56 insurance companies in Nigeria. More so, data collected was analysed using correlation analytical method. The results of this study are quite in line with previous studies and show that reinsurance purchase increases significantly the insurers’ premium income. It is also shown that profitability of the firm is sensitive to change in reinsurance utilisation and has a positive relationship with it. It was established in the study that purchasing reinsurance reduces insurers’ insolvency risk by stabilizing loss experience and increasing capacity. Recommendations were made.

A Study On Employee Perception On Effectiveness Of Training Programs In Myanmar Citizens Bank

2019 ◽  
Vol 118 (11) ◽  
pp. 603-618
Author(s):  
ZawZawMyint ◽  
Sandeep Poddar ◽  
Abhijit Ghosh ◽  
Amiya Bhaumik
Keyword(s):  
Research Method ◽  
Training Programs ◽  
Secondary Data ◽  
Employee Perceptions ◽  
Annual Reports ◽  
Primary Data ◽  
Roles And Responsibilities ◽  
Descriptive Research ◽  
Effectiveness Of Training ◽  
And Training

In banking industries, employees are entrusted with different roles and responsibilities, and training enables them to carry out these roles and responsibilities efficiently by let them to learn new things. Moreover, it will prepare them to take up higher responsibilities in the future. Therefore, this study focuses to analyze the employee perceptions on effectiveness of Training Programs in Myanmar Citizens Bank (MCB).  By using the descriptive research method, primary data are collected from the responsible persons and employees of MCB in head office, branches. Secondary data are gathered and scrutinized from relevant text books, records and annual reports from MCB. The research revealed that there are four kinds of training programs in MCB. Moreover, this paper revealed that MCB successfully delivered its training programs in year 2015 to 2018 and the trainees have positive perceptions on effectiveness of training programs in MCB. Based on these results, this paper pointed out the important facts that can give improvement actions for effective and efficient training programs in Myanmar Citizen Banks.

BUSINESS ENVIRONMENT EFFICIENCY AND COMPETTIIVENESS OF LOCALLY MANUFACTURED GOODS BY AUTOSTERILE EAST AFRICA, KENYA

2021 ◽  
pp. 12-21
Author(s):  
Margaret Kamau ◽  
Isabella Sile
Keyword(s):  
East Africa ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Political Stability ◽  
Business Environment ◽  
Middle Level ◽  
Primary Data ◽  
Goods And Services ◽  
Manufactured Goods

Absrtact This study investigated the influence of business environment efficiency on competitiveness of locally manufactured goods by Autosterile East Africa, Kenya. This study used case study design. This study sampled 69 respondents, including 8 top level employees, 22 middle level employees and 39 lower level employees in Autosterile East Africa. Census sampling was used to select the respondents. Secondary data was obtained from the Autosterile East Africa publications that touches on determinants of competitiveness. Questionnaires used in the survey formed the primary data and was analyzed by use of Statistical Packages for Social Science version 23. Linear regression analysis was done to test the relationship between the independent and dependent variables. The study findings led to the conclusion that business environment efficiency have a positive relationship with competitiveness of locally manufactured goods. The findings revealed that business environment efficiency is significant determinant of competitiveness of locally manufactured goods. It was found out that the demand for goods and services and political stability influences competition of goods and services. The regulations dictate the competition among companies and supply of goods and services controls a firm's competitive advantage. Keywords: Business environment efficiency, competitiveness, Locally manufactured goods, Autosterile East Africa.

Factors Affecting on Entrepreneurial Intention of University Students (Case Study on Wollo University)

2021 ◽  
Author(s):  
Abdu Kamil
Keyword(s):  
Environmental Factors ◽  
University Students ◽  
Family Background ◽  
Secondary Data ◽  
Entrepreneurial Intention ◽  
Primary Data ◽  
Personal Factors ◽  
Factors Affecting ◽  
College Of Business

Abstract Background: Entrepreneurship is essential in creating, fulfilling and forming a healthy economy. This study is conducted to investigate Factor Affecting on Entrepreneurial Intention: The case study on Wollo University Students. Some studies have been done in this area but only a few were conducted in Ethiopia. This research aims to address the gap that exists due to the weakness of previous studies to verify the factors that affect entrepreneurial intention and provide more clarification on the topic. Methods: For the purpose of this study explanatory research design was employed. The researcher used stratified random sampling to classify all participants into seven colleges and one school of law. From each stratum proportionally by using purposive sampling to select 226 respondents with graduate students from college of business and economics for the desire of the study. Both primary and secondary data were collected. Primary data were collected through structured questionnaire from 210 students. Secondary data were collected from previous studies and used as reference. Results: The correlation and regression analysis has been applied to see the relationship and how independent variables influence entrepreneurial intention. From the analyses it is confirmed that demographic factors have statistically insignificant effect on entrepreneurial intention, while personal factors, environmental factors and family background have a statistically significant effect on entrepreneurial intention. Conclusions: Based on the findings it is concluded that demographic factor does not affect entrepreneurial intention while personal factors, environmental factors and family background affect entrepreneurial intention.

scholarly journals Issues on Takaful Affecting the Choice of Accounting Policies: A Case Study of Two Takaful Companies in Malaysia

2010 ◽  
Vol 3 (3) ◽  
pp. 187 ◽  
Author(s):  
Hairul Azlan Annuar ◽  
Nur Barizah Abu Bakar
Keyword(s):  
Central Bank ◽  
Advisory Council ◽  
Annual Reports ◽  
Case Study Method ◽  
Financial Reports ◽  
Descriptive Case Study ◽  
Senior Official ◽  
Similarities And Differences ◽  
The Impact

The paper adopts a descriptive case study method to examine the impact of juristic views on the operations of two Malaysian takaful companies. In order to achieve this objective, the annual financial reports of both companies were analysed. Interviews with each company’s finance managers and with a member of the Malaysian Shariah Advisory Council were undertaken for a more in-depth coverage. Also a written correspondence with a senior official of the central bank was accomplished. Similarities and differences between the two companies were identified and it is concluded that the differences are serious enough to warrant interventions from the regulators in the form of mandatory disclosures in the annual reports. 

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