Résumé:
Through this study, we aim to highlight the role of the insurance surplus in
increasing the demand for Takaful insurance products based on what theoretical studies
have confirmed that the insurance surplus is of great importance in attracting a larger
number of subscribers if the company acts in their favor, by conducting a standard study
represented by the autoregressive regression model with lagging time gaps (ARDL)
through the Eviews 10 program at the level of three companies; the Saudi Cooperative
Company, the Jordanian Solidarity Company, and the Algerian Salama Company during
the period (2008-2022), as they are leading companies in the Takaful insurance industry.
In order to support the study, four explanatory variables were added, which in turn affect
the size of the demand for Takaful insurance products, represented by the size of
compensation, the inflation rate, the per capita share of the gross domestic product, and
the unemployment rate.
After conducting the study, several results were reached, the most important of which is
that the extent of the impact of the insurance surplus on increasing the volume of demand
for Takaful products varies from one company to another according to its size and the
percentages of its distribution to subscribers. There are also several other factors that
affect the volume of demand for Takaful products, such as the volume of compensation,
the per capita share of the gross domestic product, the unemployment rate and the
inflation rate, and several other factors. We find that these factors are integrated with each
other, Therefore, decision-makers must manage the insurance surplus wisely for the
benefit of subscribers and take all other factors into consideration to support and increase
demand for Takaful insurance products.
