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Open Access Article
1 - The Study of impact authentic leadership on the creativity of employees: with regard to the mediatoring of role knowledge sharing and mediating of role use of information technology (Case Study: Isfahan insurance company staff
maryam ahmadi zahraniThe purpose of this study is to the effect of authentic leadership on the creativity of employees: with regard to the mediating of role knowledge sharing behavior and use of information technology .This research is in terms of the purpose of applied research and in term MoreThe purpose of this study is to the effect of authentic leadership on the creativity of employees: with regard to the mediating of role knowledge sharing behavior and use of information technology .This research is in terms of the purpose of applied research and in terms of the nature and method of the descriptive research is a type of correlation. The population of this research N= 90 number of Employees of Isfahan insurance company Branch Staff. With Tables set a sample volume the Morgan and Krejcie of n = 73 which were selected by Simple random sampling. To collect the data, researcher-made questionnaires were used based on standard questionnaires of experts. Reliability of questionnaires were confirmed by Cronbach's alpha test. Then these data were analyzed using spss24 software. In the first stage, which is a descriptive analysis, the aggregated data were presented as a table of descriptive statistics and frequency, and bar and circular charts. In the next step, in order to test the hypotheses, Pearson correlation test and structural equation model were used using Smart PLS2 software. The results confirm the direct relationship between authentic leadership and creativity (main hypothesis), as well as the role of mediation of the variable of knowledge sharing behavior in this relation (sub hypothesis 1) were confirmed, but, the moderating role of information technology (sub hypothesis 2) was not approved. Based on research findings, the Behavioral Pattern of Leadership as the root of all modern leadership styles, and the most comprehensive and applicable leadership theory, can solve many of the problems of organizations and positive outcomes, including creativity and The desire to share knowledge in the workplace And managers and authorities of organizations must strive to strengthen the characteristics of this behavioral pattern in order to benefit from it. Manuscript profile -
Open Access Article
2 - The role of legal and ethical mechanisms in the pursuit of the objectives of the P & I Club's marine insurance industry
The P & I Club's maritime insurance industry is relatively unknown to most insurance companies, and it is very effective in most companies that have accepted this and have supported and represented these maritime clubs in Iran. The impact of the economic and political p MoreThe P & I Club's maritime insurance industry is relatively unknown to most insurance companies, and it is very effective in most companies that have accepted this and have supported and represented these maritime clubs in Iran. The impact of the economic and political problems of relationships Insurance companies have grown abundantly with this club. Insurance coverage often leads to over-consumption of care by insured persons. Commerce that is insured does not pay more attention to the materials, and this causes the loss of lost salary due to collision and shipwreck, and it can count, and this is a moral and legal vacuum in the definition and Interpretation of contractual agreements of insurance companies. From a theoretical point of view, the insurer and the insurer have the right to ask about the need for additional services and negotiate to obtain lower payments. Therefore, investigation and recognition of the effects of legal and ethical mechanisms in advancement of the goals of the insurance industry of the P & I Club of the Marine Region in order to observe and prevent the ill-fatedness of insurance companies and its consequences in compensating for damages and the adverse effects of insurers' The insurer, in line with sound and sound contractual policies, and the transparency of the matters specified in the contract, are necessary to improve the quality and service and the prospect of commercial transportation in the sea. Inspections indicate that in the contracts of carriage Maritime transportation There are legal and moral void in the country, and they are strong and efficient. It is also necessary to use the results of this research and the similar research used in this field to address the ethical and legal problems involved in advancing macroeconomic policies of the insurance industry with the statutory regulatory guarantee management strategies, with legal measures to promote Quality - The availability of contractual information and insurance - Observance of insurance policies will prevent barriers. Therefore, this solution is based on the description and analysis of issues and the resources developed by the library method, which hopes to extend the boundaries of the maritime insurance industry to broader commercial areas. Manuscript profile -
Open Access Article
3 - The Role of Auditors' Social and Professional Responsibility Insurance on Audit Risk and Audit Quality Using the Delphi Approach and Structural Equations
Ali KhozainThis research investigates the role of auditors' social and professional liability insurance on the risk of reputation and quality of audit using the Delphi approach. One way to eliminate risk is to transfer risk, and since auditors may face some risks for various reaso MoreThis research investigates the role of auditors' social and professional liability insurance on the risk of reputation and quality of audit using the Delphi approach. One way to eliminate risk is to transfer risk, and since auditors may face some risks for various reasons, such as failures, professional liability insurance is at stake for them. This study was conducted using a Delphi approach based on 95 questionnaires completed by the auditors in 2018. Using by Structural Equations the results of the first hypothesis showed that independent auditors consider social and professional liability insurance to reduce the risk of their reputation and there is a negative and significant relationship between social insurance and professional liability insurance and the risk of auditors' reputation. The association with the second hypothesis of the results showed that social and professional liability insurance would reduce audit quality Manuscript profile -
Open Access Article
4 - The Impact of Open Government Data and Data Innovation on Life Insurance Industry Business Development
Saeid Taheri Saeed ShavalpourThe emergence of information and communication technology has enabled organizations to use this technology to generate data in their own business. In addition, organizations need to open their industry-related data, which is generally government-owned, as well as data i MoreThe emergence of information and communication technology has enabled organizations to use this technology to generate data in their own business. In addition, organizations need to open their industry-related data, which is generally government-owned, as well as data innovation, in order to develop their business. Today we are seeing a huge storm of data that is due to the actions of individuals, businesses and the state. It is essential to acquire the valuable information through the use and reuse of production data by opening up a large amount of data. In this way, the potential of the mass data of every sector of industry and business can effectively be used to plan, decide, and ultimately business development. Figures show the potential of open data in three areas: banking, insurance, and real estate. To add value, these data should be processed, combined or visualized. The purpose of this study is to investigate the relationship between open government data and data innovation and business development in the life insurance industry of insurance companies. A questionnaire was used to collect data and a random sampling method was used. In this research, 127 employees of life insurers' life insurance companies were selected as the sample for answering the questionnaire. A questionnaire was distributed among different levels of insurance life insurance companies and finally 98 people participated in the completion of the questionnaire. The findings, based on the results of the hypothesis test, indicate that open government data is effective on business development, and the variable of data innovation has a mediating role.. Manuscript profile -
Open Access Article
5 - Analyzing the Influential Factors of Social Media on Insurance Decision Making
Mohsen Gharakhani Seyedeh OmSalameh pourhashemiToday, social media has greatly influenced the way we receive information and news. searching for information through social media by consumers has received more attentions than ever before. The purpose of this paper is to examine the factors influencing the purchasing MoreToday, social media has greatly influenced the way we receive information and news. searching for information through social media by consumers has received more attentions than ever before. The purpose of this paper is to examine the factors influencing the purchasing decision-making process in the insurance industry. In this study, the quantitative method is used and the data is collected from 223 users who are followers of the fan pages of famous actors and athletes on social media. An online survey of users is conducted to examine the model, followed by at least one influential person. The collected data is analyzed using SPSS 23 and Smart PLS 3.0 statistical software. The results show the effects of influencers' posts, the other people's posts, and company's own posts on the intention to search for information and the effect of perceived value, perceived usefulness, brand image of the company and awareness of sales plans / marketing campaign on the intention to buy fans have a positive effect in a community who is a fan of Facebook brand pages. The study also showed that the search for information has a positive effect on consumer purchasing power. The findings of this study help to understand the importance of the selected factors in influencing the decision to buy consumers in the insurance industry. Manuscript profile -
Open Access Article
6 - Identifying factors affecting bancassurance desks efficiency, Case study: Bank MELLAT and MA Insurance
حمیدرضا نورعلیزاده علی بنیادی نایینی Mohsen SadeghiA majority of studies around efficiency assessment just estimate it. Indeed, they don’t address the roots of inefficiency of DMUs. These shortcomings could be resulted from silo approaches conducted by researchers. Our research aims address this gap. We propose a two-st MoreA majority of studies around efficiency assessment just estimate it. Indeed, they don’t address the roots of inefficiency of DMUs. These shortcomings could be resulted from silo approaches conducted by researchers. Our research aims address this gap. We propose a two-stage procedure in which first, the efficiency of bancassurance desks are estimated by DEA (Data Envelopment Analysis) and then, roots of inefficiency are identified by a survey designed based on enabler section of European Foundation for Quality Management model (EFQM) and conducted among bancassurance desks employees. This study is applied in terms of purpose, and mathematical as well as statistical in terms of data analysis. The population of this study consisted of all bancassurance desks of BANK MELLAT in 2015. After efficient and inefficient branches of bancassurance have been estimated and ranked, in order to identify factors affecting efficiency, a questionnaire designed according with criteria of EFQM. Reliability of questionnaire was tested by Cronbach's alpha coefficient, and normal distribution of data was tested by using the Kolmogorov-Smirnov test. The effects of variables (factors) on efficiency were evaluated via regression analysis, then obtained answers were tested for research questions. The results of ranking the impact of factors on the efficiency of bancassurance desks showed that employees, partnerships and resources, products and services, strategy, and leadership are the efficient factors, respectively. Manuscript profile -
Open Access Article
7 - Explaining the Role of Insurance in Developing Financial Institutions and Economic Growth in Selected Countries Using Dynamic panel Data Regression Methods and Generalized Momentum Estimation (GMM)
Mohammad Nasr Isfahani Teimour MohammadiOne of the key factors of countries’ planning in order to reach a stable long-term economic growth is existence of a proper financial market. Based on economic literature, efficient financial markets can positively affected economic growth of a nation. Furthermore, inve MoreOne of the key factors of countries’ planning in order to reach a stable long-term economic growth is existence of a proper financial market. Based on economic literature, efficient financial markets can positively affected economic growth of a nation. Furthermore, investigation of effects of insurance which under a favorable financial market can make a direct and indirect influences on economic growth is mainly crucial for scholars. The main purpose of this study is to find out the effects of insurance and financial Structure on economic growth of 40 selected countries using a panel data approach over the period of 2000-2012. The results revealed that financial structure in some cases has significant effect, while in a number of cases, it shows insignificant impact. Also, the financial development index has a negligible negative effect on the economic growth of advanced countries and in the same way, this variable in MENA countries has a negative impact on economic growth. Moreover, this variable has various coefficients in several groups of countries. Furthermore, the findings depicted a positive significant effect of insurance on economic growth in advanced economies, while it negatively affects the economic growth in American nations. Manuscript profile -
Open Access Article
8 - Optimizing Investment in Life Insurance Based on Goal Programming
Seyed Farhang Hoseini reza raei Ghadir MahdaviInvestment management in life insurance is very important because of its specific features. Unlike other insurance policies, life insurance is long-term and focused mainly on return on investment. Also, due to the 85% participation of insurers in the surplus of intere MoreInvestment management in life insurance is very important because of its specific features. Unlike other insurance policies, life insurance is long-term and focused mainly on return on investment. Also, due to the 85% participation of insurers in the surplus of interest, the surplus in a period has little income for the insurance company,but the insurance company has a guaranteed return on the deficit. In addition, high return is one of the main factors of insurance companies competition in marketing. Also, insurance companies need to make sure they have enough liquidity to fulfill their obligations. Despite the fundamental differences between life insurance and property and liability insurance, No 60 Central Insurance Regulations do not differentiate between the investment of the above insurance reserves. In this study, we designed a portfolio optimization model for life insurance investments. Accordingly, the Markov Switching Vector Auto Regressive based on ideal optimization with contrasting goals set with the actual performance of the company. Optimization has been made in the portfolio of life insurance based on Moalem Insurance Company from 2012 to 2016. Investment weights have been implemented by simulating the Markov Switching VAR model with optimization objectives including maximizing insurance returns, minimizing shortfall, maximizing policyholder returns and minimizing liquidity shortages. Based on the results, the ideal planning optimization model produces more returns than the actual returns of the insurance and performs better in other objectives. As a result, this approach can be used to optimize life insurance investment portfolios in insurance companies. Manuscript profile -
Open Access Article
9 - A model for evaluating green marketing in the insurance industry
aigin ghorbani ameneh khadivar leili niakanThe insurance industry is vital in the country that is affected by green marketing. However, there is no accurate information on the green marketing situation in the country's insurance industry. This research has been tried to identify the main criteria of green market MoreThe insurance industry is vital in the country that is affected by green marketing. However, there is no accurate information on the green marketing situation in the country's insurance industry. This research has been tried to identify the main criteria of green marketing evaluation to provide a model for a green marketing audit. In this regard, first, the main criteria were identified and approved by experts through a questionnaire. The final framework consists of 24 sub-criteria that are classified into ten criteria. Then, by using the fuzzy DEMATEL method, the internal relationships between the criteria and the hierarchical analysis method, each criterion and sub-criteria's final weight are obtained. According to the results, among the causes, the criterion of mission has the greatest effect on all criteria and takes the least effect from other criteria. So, this criterion has the most stimulus role, and by optimizing it, we can expect the optimization of other factors. The green sales factor is also strongly influenced by other factors and is optimized by optimizing other factors. Also, the criterion of the mission with an effective weight of 0.23 is the most important, and the criterion of green design with an effective weight of 0.024 is the least important Manuscript profile -
Open Access Article
10 - Reliability Insurance Contract as a New Method for Reliability Adjustment in Electrical Distribution Network
S. M. AbediSeveral regulation schemes such as Rate of Return (ROR) and Price Cap (PC) lack incentives for efficient investment. ROR lead to overinvestment and PC on the other hand lead to underinvestment. Regulator employs various forms of reward/penalty schemes (RPS) to cover inh MoreSeveral regulation schemes such as Rate of Return (ROR) and Price Cap (PC) lack incentives for efficient investment. ROR lead to overinvestment and PC on the other hand lead to underinvestment. Regulator employs various forms of reward/penalty schemes (RPS) to cover inherent weaknesses in PC. Adding RPS allow utilities to make cost effective reliability improvements in response to changes in technology and costs but since this schemes result in consumers purchasing reliability and delivery as a single, optimal level of investment can’t be insured. To solve this problem, in the recent year, the Reliability Insurance Scheme (RIS) has been introduced which through it the reliability and delivery services are unbundled and so the efficient investment is insured. In this paper, firstly, the investment structure under RIS is compared to that of traditional regulatory schemes and, according to this comparison; the advantages of RIS are illustrated. In the second step, under RIS, the effects of free-riding and investment delay on the investment dynamics are evaluated and finally the centralized method for alleviating these effects is proposed. Manuscript profile -
Open Access Article
11 - Insurance Contract for the Transfer of Electrical Energy, an Incentive Method to Improve the Reliability
A. Khandani A. Akbari ForodIn competitive electricity market, maximizing the profit is the main objective in company’s decision making. Hence, Transmission companies (Trans Cos) are not interested in improving reliability and expanding existing structures without financial benefits. On the other MoreIn competitive electricity market, maximizing the profit is the main objective in company’s decision making. Hence, Transmission companies (Trans Cos) are not interested in improving reliability and expanding existing structures without financial benefits. On the other hand, consumers demand more reliable and high quality power. In this paper, transmission insurance plan is proposed as an incentive method to improve the reliability of electrical power transmission. In this method, an insurance contract concluded between insurance company and every customer. Insurance company spend a part of its revenue to increases the reliability of the transmission system and also pays for compensation of consumers not supplied energies. The proposed method is studied in a network with six buses. Results show that the proposed method increases network reliability. Manuscript profile -
Open Access Article
12 - Presenting a risky investment model in the insurance industry based on the fuzzy network analysis process
Yazdan Gudarzi Farahani Amir Mohammadzade Mohsen Mehrara Zulikha Morsali AruznaqThe purpose of this article is to identify and present a high-risk investment model for insurance institutions in order to establish a risky insurance investment fund. The insurance industry is one of the strongest and most important supporting institutions of financial MoreThe purpose of this article is to identify and present a high-risk investment model for insurance institutions in order to establish a risky insurance investment fund. The insurance industry is one of the strongest and most important supporting institutions of financial institutions, through risk coverage and investment of technical reserves in financial and real assets and the implementation of profitable economic activities, it plays a very important role in the dynamics of financial markets. Creating a decision-making model in a fuzzy environment provides this possibility for decision-makers so that they can more easily comment on the evaluation of options and determining the importance of decision-making criteria. In this article, it has been tried to identify and introduce the most important factors and effective factors of venture capital (VC) using the technique of fuzzy network analysis process in the insurance industry. The data needed for the research has been collected through in-depth interviews with a number of experts and researchers in the insurance industry, as well as a questionnaire. Due to the lack of independence and the existence of dependence between the effective factors, the method of fuzzy network analysis process was used to identify the possible dependencies between factors and measure them for the development of the VC model, and the results were prioritized with the method of non-fuzzy network analysis process. Is. The findings of the research show that operating cycle indicators, total asset turnover ratio, total investment return, loss factor, asset-liability ratio are ranked first to fifth among VC indicators. VCs help the insurance industry establish internal accounting rules and standardize their financial statements. In other words, VC support modifies the "hard" and "soft" information required for insurance.. Manuscript profile -
Open Access Article
13 - Identifying and prioritizing the challenges of export insurance and guarantee system
Bagher Adabi FirouzjaeeThe risks of exporters in international markets are covered by insurance and guarantee products. Therefore, the main purpose of this study is to identify and prioritize the challenges of export insurance and guarantee of the Iran's exporters. This research is applied in MoreThe risks of exporters in international markets are covered by insurance and guarantee products. Therefore, the main purpose of this study is to identify and prioritize the challenges of export insurance and guarantee of the Iran's exporters. This research is applied in terms of purpose and descriptive-survey in terms of methodology. The statistical population includes two groups of exporters (current and former customers of the Export Guarantee Fund of Iran) and from each group 90 exporters are selected based on Cochran sampling Technique. Then, the challenges of customers in using export insurance and guarantee are extracted through theoretical and empirical studies as well as credit insurance experts. Furthermore, a questionnaire (consists of 34 components) is prepared and its validity and reliability is confirmed by experts and Cronbach's alpha respectively. After that a questionnaire is distributed among selected exporters and analyzed by SPSS software. The most important challenges are related to the lack of exchange rate coverage program, low capital adequacy of Iran Export Guarantee Fund, non-acceptance of documents such as project progress and product purchase contract, instability of macroeconomic variables (such as exchange rate and inflation fluctuations), policy inconsistencies between public export credit institutions (such as export Guarantee Fund Iran and the Export Development Bank of Iran), restrictions on the issuance of foreign exchange guarantees for getting loans from foreign institutions, and weak financial relations between the export Guarantee Fund Iran and export credit agencies or other international institution. Finally, some policy implication are presented in three approaches of content (such as Establishing of foreign exchange hedge system and country risk reduction via an executive plan codification), behavioral (including facilitating the issuance process of insurance and guarantee services and setting the preferential insurance premium for SMEs) and structural (such as creating a special export insurance and guarantee program for SMEs and coordinating the activities of the Export Guarantee Fund and the Export Development Bank). Manuscript profile -
Open Access Article
14 - Presenting a risky investment model in the insurance industry based on the fuzzy network analysis process
Amir Mohammadzade Yazdan Gudarzi Farahani مریم پورفرزام Zulikha Morsali Aruznaq Mohsen MehraraThe purpose of this paper is to identify and present a high-risk investment model for insurance institutions in order to establish a risky insurance investment fund. In this paper, it has been tried to identify and introduce the most important factors and effective fact MoreThe purpose of this paper is to identify and present a high-risk investment model for insurance institutions in order to establish a risky insurance investment fund. In this paper, it has been tried to identify and introduce the most important factors and effective factors of venture capital (VC) using the technique of fuzzy network analysis process in the insurance industry. The data needed for the research has been collected through in-depth interviews with a number of experts and researchers in the insurance industry, as well as a questionnaire. Due to the lack of independence and the existence of dependence between the effective factors, the method of fuzzy network analysis process was used to identify the possible dependencies between factors and measure them for the development of the VC model, and the results were prioritized with the method of non-fuzzy network analysis process. Is. The findings of the research show that operating cycle indicators, total asset turnover ratio, total investment return, loss factor, asset-liability ratio are ranked first to fifth among VC indicators. VCs help the insurance industry establish internal accounting rules and standardize their financial statements. In other words, VC support modifies the "hard" and "soft" information required for insurance. Manuscript profile -
Open Access Article
15 - Identifying and prioritizing the challenges of export insurance and guarantee system
باقر ادبی فیروزجائیBagher Adabi Firouzjaee Abstract One of the governments' policy for export development is to cover political and commercial risks through the issuance of export insurance and guarantees products by export credit Agencies (ECA). In Iran, this plan is done by The MoreBagher Adabi Firouzjaee Abstract One of the governments' policy for export development is to cover political and commercial risks through the issuance of export insurance and guarantees products by export credit Agencies (ECA). In Iran, this plan is done by The Export Guarantee Fund of Iran (EGFI). The evidence indicates that the value of export insurance and guarantees product and also the number of exporters benefiting from them are low. Therefore, the main purpose of this study is to identify and prioritize the challenges of export insurance and guarantee products in the country based on the SBC approach. In addition, this study has been carried out by analytical-descriptive-survey method. In this approach after surveying of theoretical and experimental studies and obtaining the opinions of experts, the main challenges of exporters in using of export insurance and guarantee services are collected in the form of a questionnaire (including 34 component). After confirming its validity and reliability, the questionnaire was distributed among the selected exporters (current and former customers of the EGFI) and analyzed by SPSS software. The results of the questionnaire analysis indicate that, the exporters are faced with three types of challenges including content factors (such as the lack of exchange rate coverage, high risk of export destination countries, Obligatory credits of government and low capital adequacy of the fund), behavioral factors (restriction in foreign guarantees issuance, weak financial brokerage relations of the fund with foreign financial institution, lack of preferential insurance premiums, shortage of diversity of insurance instruments and weakness of electronic infrastructure) and structural factors (collateral problems, lack of policy coordination between the guarantee fund and Export Development Bank, lack of a comprehensive online risk map and Absence of export insurance and guarantee program for SME industries). Finally, some policy implication are presented in based on the three categories of factors mentioned. Manuscript profile
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