مقایسه تطبیقی بهره‌وری صنعت بیمه تکافل در مقابل بیمه متعارف بر اساس روش تحلیل سلسله مراتبی فازی
محورهای موضوعی : اقتصادکاظم امجدی 1 , یدالله رجایی 2 , محمد دالمن پور 3 , اشکان رحیم زاده 4
1 - دانشجوی دکتری گروه اقتصاد، واحد زنجان، دانشگاه آزاد اسلامی، زنجان، ایران
2 - دانشیارگروه اقتصاد، واحد زنجان، دانشگاه آزاد اسلامی، زنجان، ایران
3 - استادیارگروه اقتصاد، واحد زنجان، دانشگاه آزاد اسلامی، زنجان، ایران
4 - استادیار گروه اقتصاد، واحد زنجان، دانشگاه آزاد اسلامی، زنجان، ایران
کلید واژه: بهره‌وری, مقایسه تطبیقی, بیمه تکافل, بیمه متعارف,
چکیده مقاله :
بیمه تکافل یک بخش نسبتاً جدید اما در حال رشد بخش صنعت مالی اسلامی است. این نوع از بیمه امروزه مورد توجه بسیاری از محققان و مدیران اجرایی قرار گرفته است. بااین‌همه به علت پذیرش کم این نوع از بیمه در بین عامه مردم، بسیاری از محققان و مدیران اجرایی در باره عملکرد و بهره‌وری این نوع از بیمه تردید دارند. بر همین اساس هدف این تحقیق مقایسه تطبیقی بهره‌وری صنعت بیمه تکافل در مقابل بیمه متعارف بر اساس روش تحلیل سلسله مراتبی فازی است. روش تحقیق توصیفی- تحلیلی و جامعه آماری تحقیق در دو بخش مدیران ارشد شرکت‌های بیمه‌ای، سازمان‌های فعال در بخش بیمه و انجمن‌های فعال در صنعت بیمه‌ای استان آذربایجان شرقی و خبرگان تحقیق است. در بخش اول تعداد نمونه آماری 47 نفر و در بخش دوم 15 نفر بوده است. برای جمع‌آوری داده‌ها از دو پرسشنامه استفاده شده که در خصوص شناسایی شاخص‌های بهره‌وری مؤثر بر ارزیابی انواع بیمه است. در بخش دوم از پرسشنامه مقایسات زوجی مبتنی بر روش تحلیل سلسله مراتبی در جهت ارزیابی و تعیین اهمیت هر یک از شاخص‌ها و انواع بیمه‌ها استفاده شده است. برای تجزیه‌وتحلیل داده‌ها آزمون t تک نمونه‌ای و روش تحلیل سلسله مراتبی فازی به کار رفته است. نتایج تحقیق نشان می‌دهد که بهره‌وری بیمه متعارف از بهره‌وری بیمه تکافل بیشتر بوده و در بین شاخص‌های بهره‌وری انواع بیمه، مهم‌ترین آن بازده دارایی است.
Takafel Insurance is a relatively new but growing sector of Islamic financial industry that has intrigued many researchers and executives. Yet, owing to the low public confidence in this type of insurance, many researchers and executives are still skeptical about relevant issues like its performance and productivity. Therefore, the present descriptive-analytical inquiry set out to compare the productivity of TAKFEL insurance industry against conventional insurance based on Fuzzy Hierarchical Analysis Method. The research population of included two groups of research experts as well as senior managers at insurance companies, organizations active in the insurance sector and associations active in the insurance industry of East Azerbaijan Province from whom a sample of 47and 15were selected to participate in the first and second phases of the study, respectively. Two questionnaires were employed to collect the research data concerning identification of the productivity indices affecting the evaluation of different types of insurance in the initial phase of the study as well as finding out the importance of each of the indicators in the second phase. One-sample t-test and fuzzy hierarchical analysis were used to analyze the data. The findings revealed the higher productivity of conventional insurance with asset return as the most important among the productivity indices.
Abdou, H., Ali, K., & Lister, R. J. (2014). A comparative study of Takaful and conventional insurance: empirical evidence from the Malaysian market. Insurance Markets and Companies: Analyses and Actuarial Computations, 4(1), 23-35.
Abduh, M., Omar, M. A., & Tarmizi, R. M. (2012). The Performance of Insurance Industry in Malaysia: Islamic vis-à-vis Conventional Insurance. Journal of Islamic Banking & Finance, 29(4), 40-49.
Abdul Rahman, Z. (2009). Takaful: Potential demand and growth. Journal of King Abdulaziz University: Islamic Economics, 22(1), 1-18.
Akhter, W., Pappas, V., & Khan, S. U. (2017). A comparison of Islamic and conventional insurance demand: Worldwide evidence during the Global Financial Crisis. Research in International Business and Finance, 42, 1401-1412.
Alshammari, A. A., Alhabshi, S. M. B. S. J., & Saiti, B. (2019). The impact of competition on cost efficiency of insurance and takaful sectors: Evidence from GCC markets based on the Stochastic Frontier Analysis. Research in International Business and Finance, 47, 410-427.
Alshammri, A. A., Syed Jaafar Alhabshi, S. M., & Saiti, B. (2016). A comparative study of the historical and current development of the GCC insurance and takaful industry. Journal of Islamic Marketing, 9(2).
Billah, M. (2003). Ma’sum. Takaful (Islamic Insurance): An Economic Paradigm, 200.
Bouslama, G., & Lahrichi, Y. (2017). Uncertainty and risk management from Islamic perspective. Research in International Business and Finance, 39, 718-726.
Ismail, N., Alhabshi, D. S. O., & Bacha, O. (2011). Organizational form and efficiency: the coexistence of family takaful and life insurance in Malaysia. Journal of Global Business and Economics, 3(1), 122-137.
Jaffar, M. A., & Musa, R. (2013). Determinants of attitude towards Islamic financing among Halal-certified micro and SMEs: A proposed conceptual framework. International Journal of Education and Research, 1(8), 1-10.
Jamshidi, D., & Hussin, N. (2012). A conceptual framework for adoption of Islamic Credit Card in Malaysia. Kuwait Chapter of the Arabian Journal of Business and Management Review, 2(3), 102.
Jamshidi, D., Hussin, N., Jafarian, Z., & Wan, H. L. (2014). Investigating the factors that influence acceptance of Islamic credit card as a new banking service. Kuwait Chapter of Arabian Journal of Business and Management Review, 3(12), 71-84.
Jamshidi, N. and Toghyani, M.(2019), Advantage of Takaful on Insurance from the Perspective of Economic Justice. Mieaoi, 23(26), 25-50
Kamil, M., & Mat Nor, N. (2014). Factors influencing the choice of takaful over conventional insurance: The case of Malaysia.
Karbhari, Y., Muye, I., Hassan, A. F. S., & Elnahass, M. (2018). Governance mechanisms and efficiency: Evidence from an alternative insurance (Takaful) market. Journal of International Financial Markets, Institutions and Money, 56, 71-92.
Khan, H. (2015). Optimal incentives for takaful (Islamic insurance) operators. Journal of Economic Behavior & Organization, 109, 135-144.
khter, W., & Khan, S. U. (2017). Determinants of Takāful and conventional insurance demand: A regional analysis. Cogent Economics & Finance, 5(1), 1291150.
Obaidullah, M. (2005). Rating of Islamic financial institutions: some methodological suggestions. Islamic Economics Research Centre, King Abdul Aziz University.
Obeid, H., & Kaabachi, S. (2016). Empirical investigation into customer adoption of Islamic banking services in Tunisia. Journal of Applied Business Research, 32(4), 1243-1256.
Pradhan, R. P., Arvin, B. M., Norman, N. R., Nair, M., & Hall, J. H. (2016). Insurance penetration and economic growth nexus: cross-country evidence from ASEAN. Research in International Business and Finance, 36, 447-458.
Saad, N. M., Majid, M. S. A., Yusof, R. M., Duasa, J., & Rahman, A. A. (2006). Measuring efficiency of insurance and Takaful companies in Malaysia using data envelopment analysis (DEA). Review of Islamic Economics, 10(2), 5-26.
Shabiq, A., & Hassan, Z. (2016). Factors Affecting Adoption of Takaful (Islamic Insurance) in the Maldives. International Journal of Accounting, Business and Management, 4(1), 1-15.
Soualhi, Y., & Al Shammari, A. A. R. (2015). Indicators of takaful awareness among Kuwaitis. Journal of Islamic Banking and Finance, 3(2), 75-89.
_||_Abdou, H., Ali, K., & Lister, R. J. (2014). A comparative study of Takaful and conventional insurance: empirical evidence from the Malaysian market. Insurance Markets and Companies: Analyses and Actuarial Computations, 4(1), 23-35.
Abduh, M., Omar, M. A., & Tarmizi, R. M. (2012). The Performance of Insurance Industry in Malaysia: Islamic vis-à-vis Conventional Insurance. Journal of Islamic Banking & Finance, 29(4), 40-49.
Abdul Rahman, Z. (2009). Takaful: Potential demand and growth. Journal of King Abdulaziz University: Islamic Economics, 22(1), 1-18.
Akhter, W., Pappas, V., & Khan, S. U. (2017). A comparison of Islamic and conventional insurance demand: Worldwide evidence during the Global Financial Crisis. Research in International Business and Finance, 42, 1401-1412.
Alshammari, A. A., Alhabshi, S. M. B. S. J., & Saiti, B. (2019). The impact of competition on cost efficiency of insurance and takaful sectors: Evidence from GCC markets based on the Stochastic Frontier Analysis. Research in International Business and Finance, 47, 410-427.
Alshammri, A. A., Syed Jaafar Alhabshi, S. M., & Saiti, B. (2016). A comparative study of the historical and current development of the GCC insurance and takaful industry. Journal of Islamic Marketing, 9(2).
Billah, M. (2003). Ma’sum. Takaful (Islamic Insurance): An Economic Paradigm, 200.
Bouslama, G., & Lahrichi, Y. (2017). Uncertainty and risk management from Islamic perspective. Research in International Business and Finance, 39, 718-726.
Ismail, N., Alhabshi, D. S. O., & Bacha, O. (2011). Organizational form and efficiency: the coexistence of family takaful and life insurance in Malaysia. Journal of Global Business and Economics, 3(1), 122-137.
Jaffar, M. A., & Musa, R. (2013). Determinants of attitude towards Islamic financing among Halal-certified micro and SMEs: A proposed conceptual framework. International Journal of Education and Research, 1(8), 1-10.
Jamshidi, D., & Hussin, N. (2012). A conceptual framework for adoption of Islamic Credit Card in Malaysia. Kuwait Chapter of the Arabian Journal of Business and Management Review, 2(3), 102.
Jamshidi, D., Hussin, N., Jafarian, Z., & Wan, H. L. (2014). Investigating the factors that influence acceptance of Islamic credit card as a new banking service. Kuwait Chapter of Arabian Journal of Business and Management Review, 3(12), 71-84.
Jamshidi, N. and Toghyani, M.(2019), Advantage of Takaful on Insurance from the Perspective of Economic Justice. Mieaoi, 23(26), 25-50
Kamil, M., & Mat Nor, N. (2014). Factors influencing the choice of takaful over conventional insurance: The case of Malaysia.
Karbhari, Y., Muye, I., Hassan, A. F. S., & Elnahass, M. (2018). Governance mechanisms and efficiency: Evidence from an alternative insurance (Takaful) market. Journal of International Financial Markets, Institutions and Money, 56, 71-92.
Khan, H. (2015). Optimal incentives for takaful (Islamic insurance) operators. Journal of Economic Behavior & Organization, 109, 135-144.
khter, W., & Khan, S. U. (2017). Determinants of Takāful and conventional insurance demand: A regional analysis. Cogent Economics & Finance, 5(1), 1291150.
Obaidullah, M. (2005). Rating of Islamic financial institutions: some methodological suggestions. Islamic Economics Research Centre, King Abdul Aziz University.
Obeid, H., & Kaabachi, S. (2016). Empirical investigation into customer adoption of Islamic banking services in Tunisia. Journal of Applied Business Research, 32(4), 1243-1256.
Pradhan, R. P., Arvin, B. M., Norman, N. R., Nair, M., & Hall, J. H. (2016). Insurance penetration and economic growth nexus: cross-country evidence from ASEAN. Research in International Business and Finance, 36, 447-458.
Saad, N. M., Majid, M. S. A., Yusof, R. M., Duasa, J., & Rahman, A. A. (2006). Measuring efficiency of insurance and Takaful companies in Malaysia using data envelopment analysis (DEA). Review of Islamic Economics, 10(2), 5-26.
Shabiq, A., & Hassan, Z. (2016). Factors Affecting Adoption of Takaful (Islamic Insurance) in the Maldives. International Journal of Accounting, Business and Management, 4(1), 1-15.
Soualhi, Y., & Al Shammari, A. A. R. (2015). Indicators of takaful awareness among Kuwaitis. Journal of Islamic Banking and Finance, 3(2), 75-89.