دور الفائض التأميني في زيادة الطلب على منتجات التأمين التكافلي -دراسة تجارب دولية مع الإشارة إلى حالة الجزائر-

Abstract

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.