جستجوی مقالات مرتبط با کلیدواژه "بیمه متعارف" در نشریات گروه "علوم انسانی"

Insurance is considered as one of the most important and effective sectors of the country's economy. The supplementary insurance system has been introduced in order to create diversity in financial institutions and to attract Muslims in order to eliminate the doubts raised by Muslim jurists and also to attract capital. Iran has benefited from Islamic banking for more than two decades, but in the insurance industry it still uses the conventional insurance model in the world. Since every financial plan must be examined both in terms of being Islamic and in terms of efficiency, this article has expressed its effectiveness. Examining the pathology of Takaful insurance system policy in Iran insurance industry and its impact on the economic development of the country using the social theory model, the question arises as to what extent the Takaful insurance system can increase the insurance penetration rate in the country. Be effective in Iran's economic development? It seems that Takaful insurance can be effective as a complementary and non-alternative insurance in the country's insurance industry and have a positive effect on Iran's economic development in competition with Islamic and European countries. In this regard, the findings show that the supplementary insurance system can be used to some extent as a complement to conventional insurance in the insurance industry in Iran, and given that the social and economic security of the Muslim nation requires an alternative insurance model that Approved by the Qur'an and Sunnah, they must be relatively safe in the face of unforeseen risks or catastrophes.

In the modern era, providing security insurance services in the form of coverage against insurable risks to the Muslims in general and in the Islamic societies in particular is important.The purpose of this research is to focus on the insurance process from the point of view of compatibility with Islamic teachings, with an emphasis on the life insurance structure.Thus, this piece primarily aims to find out whether it is possible for us to design a model in terms of process and development through implementation of which the country would materialize and achieve the underwriting process consistent with the Shari’a law, (life insurance). As this study is a mixed one, in the qualitative part, the researcher employed library research and documentary analysis and conducted open-ended, semi-structured interviews with 10 experts and analyzed their contents, thereby developing the initial research model. In order to identify effective findings for designing the model aspects, the point of saturation and until achievement of the desired model. In order to carry out this study, the researcher employed the Grounded Theory approach in qualitative section to explicate the conceptual model. Then, in the quantitative part, the correlation between variables was identified and the ultimate model was put forward and verified by means of statistical testing. Finally, proposed model was developed and depicted in 6 dimensions as follows: identifying the status quo, requirements, determining strategies and policies, identifying the opportunities, developing sector applications, and explicating the status quo, i.e. achieving the Islamic insurance consistent with the Islamic teachings

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.

The purpose of this research is to investigate the comparative nature of cooperative insurance and to explain their advantages and disadvantages compared to other types of insurance, including private and public insurance, mutual insurance, micro-insurance and Takaful insurance, both for the insured and the insurer.
In this regard, while defining the full range of micro and mutual insurance, as well as conventional and Takaful insurance (private and public), the advantages and disadvantages of each will be examined in a separate and detailed section from the point of view of economic and Islamic indicators.
The meaning of comparative economic indicators is all that can affect the type of ownership, the element of opposition, the ability to present microcosm, compliance with the law, and the profitability of insurance companies as the main criteria of economic comparison.
Also, the Islamic index in this study will be considered, comparing the insurance companies from the perspective of justice (with two criteria for the distribution of income and poverty). The end result is that the preference for cooperative insurance prevails over other insurance institutions both in terms of economics and Islam.
Finally, a combination of all of the above-mentioned policies is presented, which can be considered with the least disadvantages and most benefits from economic and Islamic aspects compared to other types of insurance.
The presented model is similar to mutual insurance in which the insured and the insurer are the same. It is similar to Takaful insurance in which Islamic-based investments in Islamic contracts are guaranteed and the annual residual income among members is distributed. It is similar to micro insurance in which Insurers are categorized into small groups targeting the poor, and along with all these, it is similar to cooperative insurance which makes sure that members are compensated for the priority (rather than the purpose) without receiving commission and with minimum premium.

Today,insurance is an essential part of the financial system in each country. In the capital market, insurance companies are of important institutions that, along with other financial institutions contribute to the resource allocation. Insurance and Takaful companies play significant role in covering the risks of economic activities and are of the most important institutions for economic growth flourishing. Islamic insurance industry, in order to avoid some problems of conventional insurance from Sunni jurisprudence perspective, has suggested Takaful model that has received more tendency in both Muslim and non-Muslim countries. Although conventional insurance is legal from Shia jurisprudence, but using of Takaful increases the capacity of the insurance market. This article tries to introduce Takaful and investigate its differences with the conventional insurance, and its challenges via descriptive-analytical method. The results show that Takaful industry has distinct characteristics from conventional insurance. Takaful financial operations are more transparent than conventional insurance. In Takaful customers (insured) have a share in underwriting surplus and profit from investment and therefore closer to justice. Takaful, homogenization and standardization of business models and regulations are important for developing Takaful industry. Reducing costs and encouraging investors require strengthening the secondary market for Takaful.

Nowadays، in modern economies، insurance is one of the most important parts of economy، just after the banking. Not only in Islamic countries، but also in North America، Australia، China، Russia، and some other European countries- totally in 22 countries in the world- Islamic insurance is active. Hence، “Conventional” and “Takaful” are discussed as two items which can substitute each other. In this research، the efficiency and function of Takaful and Conventional insurance companies are compared by determined indexes and by using AHP. The results show that efficiency of products of Takaful besides the products of Conventional insurance will noticeably help in increasing the penetration rate of the insurance، developing the variety of financial services، and developing the economy in the country.