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insurance</title> <meta name="description" content="Search results for: deposit insurance"> <meta name="keywords" content="deposit insurance"> <meta name="viewport" content="width=device-width, initial-scale=1, minimum-scale=1, maximum-scale=1, user-scalable=no"> <meta charset="utf-8"> <link href="https://cdn.waset.org/favicon.ico" type="image/x-icon" rel="shortcut icon"> <link href="https://cdn.waset.org/static/plugins/bootstrap-4.2.1/css/bootstrap.min.css" rel="stylesheet"> <link href="https://cdn.waset.org/static/plugins/fontawesome/css/all.min.css" rel="stylesheet"> <link href="https://cdn.waset.org/static/css/site.css?v=150220211555" rel="stylesheet"> </head> <body> <header> <div class="container"> <nav class="navbar navbar-expand-lg navbar-light"> <a class="navbar-brand" href="https://waset.org"> <img src="https://cdn.waset.org/static/images/wasetc.png" alt="Open Science Research Excellence" title="Open Science Research Excellence" /> </a> <button class="d-block d-lg-none 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action="https://publications.waset.org/abstracts/search"> <div id="custom-search-input"> <div class="input-group"> <i class="fas fa-search"></i> <input type="text" class="search-query" name="q" placeholder="Author, Title, Abstract, Keywords" value="deposit insurance"> <input type="submit" class="btn_search" value="Search"> </div> </div> </form> </div> </div> <div class="row mt-3"> <div class="col-sm-3"> <div class="card"> <div class="card-body"><strong>Commenced</strong> in January 2007</div> </div> </div> <div class="col-sm-3"> <div class="card"> <div class="card-body"><strong>Frequency:</strong> Monthly</div> </div> </div> <div class="col-sm-3"> <div class="card"> <div class="card-body"><strong>Edition:</strong> International</div> </div> </div> <div class="col-sm-3"> <div class="card"> <div class="card-body"><strong>Paper Count:</strong> 577</div> </div> </div> </div> <h1 class="mt-3 mb-3 text-center" style="font-size:1.6rem;">Search results for: deposit insurance</h1> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">577</span> Deposit Insurance and Financial Inclusion in the Economic Community of Central African States</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Antoine%20F.%20Dedewanou">Antoine F. Dedewanou</a>, <a href="https://publications.waset.org/abstracts/search?q=Eric%20N.%20Ekpinda"> Eric N. Ekpinda</a> </p> <p class="card-text"><strong>Abstract:</strong></p> We investigate whether and how deposit insurance program affects savings decisions in the Economic Community of Central African States (ECCAS). Specifically, using the World Bank鈥檚 2014 and 2011 Global Financial Inclusion (Global Findex) databases, we apply special regressor approach. We find that the deposit insurance program increases significantly, everything else equal, the probability that people save their money at a financial institution by 11 percentage points in Gabon, by 22.2 percentage points in DR Congo and by 15.1 percentage points in Chad. These effects are matched with positive effects of age and education level. But in Cameroon, the effect of deposit insurance is not significant. The policies aimed at fostering financial inclusion will be more effective if there is a deposit insurance scheme in place, along with awareness among young people, and education programs. JEL Classification: G21, O12, O16 <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=deposit%20insurance" title="deposit insurance">deposit insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=savings" title=" savings"> savings</a>, <a href="https://publications.waset.org/abstracts/search?q=special%20regressor" title=" special regressor"> special regressor</a>, <a href="https://publications.waset.org/abstracts/search?q=ECCAS%20countries" title=" ECCAS countries"> ECCAS countries</a> </p> <a href="https://publications.waset.org/abstracts/78882/deposit-insurance-and-financial-inclusion-in-the-economic-community-of-central-african-states" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/78882.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">188</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">576</span> Deposit Guarantee Fund: One Perspective</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Rute%20Abreu">Rute Abreu</a>, <a href="https://publications.waset.org/abstracts/search?q=F%C3%A1tima%20David"> F谩tima David</a>, <a href="https://publications.waset.org/abstracts/search?q=Liliane%20Cristina%20Segura"> Liliane Cristina Segura</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The Deposit Guarantee Fund (DGF) and its communication with the Society, in general, and with the deposit client of Financial Institutions, in particular, is discussed through the challenges of the accounting and financial report. The Bank of Portugal promotes the Portuguese Deposit Guarantee Fund (PDGF) as a financial institution that enhanced the market confidence and stability on the deposit-insurance system. Due to the nature of their functions, it must be subject to regulation and supervision that provides a first line of defense against adversely affect confidence on the Portuguese financial market. First, this research provides evidence of the effectiveness of the protection mechanisms on the deposit insurance system, which provides high and equal protection to all stakeholders. Second, it emphasizes the need of requirements of rigorous accounting process and effective financial report to reduce the moral hazard implications. Third, this research focuses on the need of total disclosure of the financial information which gives higher transparency and protection to deposit client of financial institutions. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=deposit%20guarantee%20fund" title="deposit guarantee fund">deposit guarantee fund</a>, <a href="https://publications.waset.org/abstracts/search?q=Portugal" title=" Portugal"> Portugal</a>, <a href="https://publications.waset.org/abstracts/search?q=accounting" title=" accounting"> accounting</a>, <a href="https://publications.waset.org/abstracts/search?q=financial%20report" title=" financial report"> financial report</a> </p> <a href="https://publications.waset.org/abstracts/5583/deposit-guarantee-fund-one-perspective" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/5583.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">436</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">575</span> The Ever-Changing Connection Among Banks and Insurers: An Examination of the Financial Standing of the Financial System</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Iqra%20Ali">Iqra Ali</a> </p> <p class="card-text"><strong>Abstract:</strong></p> This study uses panel Vector Auto Regression (VAR) to analyses the dynamic link between banking and insurance activities based on the asset size of the insurance industry for 73 countries between 1980 and 2014. Assets in the insurance industry and banking activities usually have a Granger causal link, according to panel Granger-causality tests. Impulse response analyses for the entire sample show that the size of insurance assets responds favorably to a shock to the liquid liabilities and deposits of the financial system but negatively to a shock to deposit money bank assets and private credit offered by commercial banks, other financial institutions, and deposit banks. While the findings for middle- and low-income nations varied significantly, the observations for high-income countries are essentially the same. Furthermore, we find that there is a substantial interplay between banking and insurance activity in civil law nations as opposed to common law ones. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=vector%20autoregression" title="vector autoregression">vector autoregression</a>, <a href="https://publications.waset.org/abstracts/search?q=banking" title=" banking"> banking</a>, <a href="https://publications.waset.org/abstracts/search?q=insurance" title=" insurance"> insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=Granger-causality" title=" Granger-causality"> Granger-causality</a> </p> <a href="https://publications.waset.org/abstracts/194797/the-ever-changing-connection-among-banks-and-insurers-an-examination-of-the-financial-standing-of-the-financial-system" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/194797.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">6</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">574</span> Hotel Deposit Contract and Coverage of Risks Resulting, through Insurance Contracts, in Tourism within the HoReCa Domain: Alternative Dispute Resolution Methods on These Contracts</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Laura%20Ramona%20Nae">Laura Ramona Nae</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The issue of risks faced by companies providing tourist and hotel services in the HoReCa field, related to the goods belonging to consumer tourists left in hotel storage, has acquired a new dimension in the context of the economic and geo-political influences that have recently intervened at the global level. Thus, hoteliers and not only had to create contractual mechanisms regarding the risks and to protect the businesses in this field of activity. This situation has led to a reassessment of the importance of insurance, in particular with regard to hotel liability insurance-premises liability, safety, and security of goods. Interpretation of clauses in contracts concluded between hoteliers and tourists consuming hotel services and products, all the more so in the current pandemic context of Covid 19, stressed the increase in the number of disputes generated by them. This article presents a general picture of the significance of the risks related to the activity carried out in the hospitality industry, tourism, respectively within the HoReCa field. The study mainly marks the specificities of the hotel deposit contract, as well as the related insurance specific to the field, as a way to cover these risks. The article also refers to alternative methods of out-of-court settlement of disputes (ADR) in the HoReCa domain, generally used in both Romania and the European Union. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=consumer%20tourist" title="consumer tourist">consumer tourist</a>, <a href="https://publications.waset.org/abstracts/search?q=disputes%20and%20ADR%20methods" title=" disputes and ADR methods"> disputes and ADR methods</a>, <a href="https://publications.waset.org/abstracts/search?q=deposit%20contract" title=" deposit contract"> deposit contract</a>, <a href="https://publications.waset.org/abstracts/search?q=hotel%20warehouse%20and%20hotelier%20insurance" title=" hotel warehouse and hotelier insurance"> hotel warehouse and hotelier insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=hotel%20services%20and%20tourist%20products" title=" hotel services and tourist products"> hotel services and tourist products</a>, <a href="https://publications.waset.org/abstracts/search?q=HoReCa" title=" HoReCa"> HoReCa</a> </p> <a href="https://publications.waset.org/abstracts/168273/hotel-deposit-contract-and-coverage-of-risks-resulting-through-insurance-contracts-in-tourism-within-the-horeca-domain-alternative-dispute-resolution-methods-on-these-contracts" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/168273.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">57</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">573</span> Insurance of Agricultural Activities as the Basis for Food Security</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=J.%20B.%20Akshataeva">J. B. Akshataeva</a>, <a href="https://publications.waset.org/abstracts/search?q=G.%20T.%20Aigarinova"> G. T. Aigarinova</a>, <a href="https://publications.waset.org/abstracts/search?q=A.%20Amankulova"> A. Amankulova</a>, <a href="https://publications.waset.org/abstracts/search?q=D.%20S.%20Kalkanova"> D. S. Kalkanova</a> </p> <p class="card-text"><strong>Abstract:</strong></p> This article examines some aspects of the insurance of agricultural activities, strategic documents on deepening investment opportunities. Insurance market development is before the society and the state. It also examines problems of agricultural insurance development in the market economy of Kazakhstan as the basis for food security. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=agriculture" title="agriculture">agriculture</a>, <a href="https://publications.waset.org/abstracts/search?q=food%20safety" title=" food safety"> food safety</a>, <a href="https://publications.waset.org/abstracts/search?q=insurance" title=" insurance"> insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=privacy%20issues" title=" privacy issues"> privacy issues</a> </p> <a href="https://publications.waset.org/abstracts/6296/insurance-of-agricultural-activities-as-the-basis-for-food-security" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/6296.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">503</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">572</span> The Effect of Catastrophic Losses on Insurance Cycle: Case of Croatia</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Drago%20Jakov%C4%8Devi%C4%87">Drago Jakov膷evi膰</a>, <a href="https://publications.waset.org/abstracts/search?q=Maja%20Mihelja%20%C5%BDaja"> Maja Mihelja 沤aja</a> </p> <p class="card-text"><strong>Abstract:</strong></p> This paper provides an analysis of the insurance cycle in the Republic of Croatia and whether they are affected by catastrophic losses on a global level. In general, it is considered that insurance cycles are particularly pronounced in periods of financial crisis, but are also affected by the growing number of catastrophic losses. They cause the change of insurance cycle and premium growth and intensification and narrowing of the coverage conditions, so these variables move in the same direction and these phenomena point to a new cycle. The main goal of this paper is to determine the existence of insurance cycle in the Republic of Croatia and investigate whether catastrophic losses have an influence on insurance cycles. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=catastrophic%20loss" title="catastrophic loss">catastrophic loss</a>, <a href="https://publications.waset.org/abstracts/search?q=insurance%20cycle" title=" insurance cycle"> insurance cycle</a>, <a href="https://publications.waset.org/abstracts/search?q=premium" title=" premium"> premium</a>, <a href="https://publications.waset.org/abstracts/search?q=Republic%20of%20Croatia" title=" Republic of Croatia"> Republic of Croatia</a> </p> <a href="https://publications.waset.org/abstracts/7784/the-effect-of-catastrophic-losses-on-insurance-cycle-case-of-croatia" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/7784.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">353</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">571</span> Evaluation of Demand of Fire Insurance in Iran and Embrace Digitalization to Improve It</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Mahsa%20Ghorbani%20Jazin">Mahsa Ghorbani Jazin</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The insurance industry has a prominent place in the economy of every country in the world. Fire insurance policies are types of non-life insurance, which protect insureds against financial losses of fire and related risks. In this paper, factors that are affecting the demand for fire insurance in Iran have been examined. Due to this reason, information and data have been collected during the period 1989-2019. In this research, the final model was estimated. The obtained results represent that as the population and literacy rate increase, people are more willing to purchase fire insurance. On the other hand, the actual per capita income has a negative influence on the demand for this type of insurance. Also, the amount of compensation that is paid in losses can be assumed as an indirect advertisement for fire insurance and attracts people to buy this policy. Finally, the new technology in the insurance industry is examined as a new underestimated way for increasing demand, especially in Iran. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=fire%20insurance" title="fire insurance">fire insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=demand" title=" demand"> demand</a>, <a href="https://publications.waset.org/abstracts/search?q=per%20capita%20income" title=" per capita income"> per capita income</a>, <a href="https://publications.waset.org/abstracts/search?q=literacy%20rate" title=" literacy rate"> literacy rate</a>, <a href="https://publications.waset.org/abstracts/search?q=population" title=" population"> population</a>, <a href="https://publications.waset.org/abstracts/search?q=compensation%20paid" title=" compensation paid"> compensation paid</a>, <a href="https://publications.waset.org/abstracts/search?q=Insurtech" title=" Insurtech"> Insurtech</a> </p> <a href="https://publications.waset.org/abstracts/145180/evaluation-of-demand-of-fire-insurance-in-iran-and-embrace-digitalization-to-improve-it" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/145180.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">200</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">570</span> Sustainability of Healthcare Insurance in India: A Review of Health Insurance Scheme Launched by States in India </h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Mohd%20Zuhair">Mohd Zuhair</a>, <a href="https://publications.waset.org/abstracts/search?q=Ram%20Babu%20Roy"> Ram Babu Roy</a> </p> <p class="card-text"><strong>Abstract:</strong></p> This paper presents an overview of the accessibility, design, and functioning of health insurance plans launched by state governments in India. In recent years, the governments of several states in India have come forward to provide health insurance coverage for the low-income group and rural population to reduce the out of pocket expenditure (OPE) on healthcare. Different health insurance schemes have different structures and offerings which differ in the different demographic factors. This study will portray a comparative analysis of the various health insurance schemes by analyzing different offerings and finance generation of the schemes. The comparative analysis will explain the lesson to be learned from these schemes and extend the existing knowledge of the health insurance in India. This would help in recognizing tension between various drivers and identifying issues pertaining to the sustainability of health insurance schemes in India. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=health%20insurance" title="health insurance">health insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=out%20of%20pocket%20expenditure" title=" out of pocket expenditure"> out of pocket expenditure</a>, <a href="https://publications.waset.org/abstracts/search?q=universal%20healthcare" title=" universal healthcare"> universal healthcare</a>, <a href="https://publications.waset.org/abstracts/search?q=sustainability" title=" sustainability"> sustainability</a> </p> <a href="https://publications.waset.org/abstracts/99066/sustainability-of-healthcare-insurance-in-india-a-review-of-health-insurance-scheme-launched-by-states-in-india" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/99066.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">238</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">569</span> Volcanostratigraphy Reconaissance Study Using Ridge Continuity to Solve Complex Volcanic Deposit Problems, Case Study Old Sunda Volcano</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Afy%20Syahidan%20ACHMAD">Afy Syahidan ACHMAD</a>, <a href="https://publications.waset.org/abstracts/search?q=Astin%20NURDIANA"> Astin NURDIANA</a>, <a href="https://publications.waset.org/abstracts/search?q=SURYANTINI"> SURYANTINI</a> </p> <p class="card-text"><strong>Abstract:</strong></p> In volcanic arc environment we can find multiple volcanic deposits which overlapped with another volcanic deposit so it will complicates source and distribution determination. This problem getting more difficult when we can not trace any deposit border evidences in field especially in high vegetation volcanic area, or overlapped deposit with same characteristics. Main purpose of this study is to solve complex volcanostratigraphy mapping problems trough ridge, valley, and river continuity. This method application carried out in Old Sunda Volcanic, West Java, Indonesia. Using 1:100.000 and 1:50.000 topographic map, and regional geology map, old sunda volcanic deposit was differentiated in regional level and detail level. Final product of this method is volcanostratigraphy unit determination in reconnaissance stage to simplify mapping process. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=volcanostratigraphy" title="volcanostratigraphy">volcanostratigraphy</a>, <a href="https://publications.waset.org/abstracts/search?q=study" title=" study"> study</a>, <a href="https://publications.waset.org/abstracts/search?q=method" title=" method"> method</a>, <a href="https://publications.waset.org/abstracts/search?q=volcanic%20deposit" title=" volcanic deposit"> volcanic deposit</a> </p> <a href="https://publications.waset.org/abstracts/17134/volcanostratigraphy-reconaissance-study-using-ridge-continuity-to-solve-complex-volcanic-deposit-problems-case-study-old-sunda-volcano" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/17134.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">402</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">568</span> Historical Metaphors in Insurance: A Journey</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Anjuman%20Antil">Anjuman Antil</a>, <a href="https://publications.waset.org/abstracts/search?q=Anuj%20Kapoor"> Anuj Kapoor</a>, <a href="https://publications.waset.org/abstracts/search?q=Neha%20Saini"> Neha Saini</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Purpose: The purpose of this paper is to study the evolution of insurance in India and the world. The paper also traced the historical basis of life insurance in the world and how it emerged as a major sector in India鈥檚 economy. The promotional strategies and distribution channel of top three companies in the Indian insurance sector are also discussed. Design/methodology/approach: The paper examined the secondary data which includes the reports issued by Insurance Regulatory Authority of India, websites of companies, books, and journals relevant to the study. Findings: The paper argued the role and importance of insurance in an emerging economy. The challenges and opportunities of the insurance sector are briefed out. The emerging areas in the insurance sector in terms of promotional strategies and distribution channel are also listed. Implications: The historical evolution can be studied by companies while formulating their strategies. It will help them analyse the insurance sector, how things have changed and how to change with the changing times. Originality/value: This paper gives comprehensive data regarding the background of the insurance sector. Along with historical perspective, marketing and distribution, current and future trends have been discussed. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=insurance" title="insurance">insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=evolution" title=" evolution"> evolution</a>, <a href="https://publications.waset.org/abstracts/search?q=life%20insurance" title=" life insurance"> life insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=marketing" title=" marketing"> marketing</a>, <a href="https://publications.waset.org/abstracts/search?q=distribution%20channels" title=" distribution channels"> distribution channels</a> </p> <a href="https://publications.waset.org/abstracts/88292/historical-metaphors-in-insurance-a-journey" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/88292.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">234</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">567</span> Deposit Characteristics of Jakarta, Indonesia: A Stratigraphy Study of Jakarta Subsurface</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Girlly%20Marchlina%20Listyono">Girlly Marchlina Listyono</a>, <a href="https://publications.waset.org/abstracts/search?q=Abdurrokhim%20Abdurrokhim"> Abdurrokhim Abdurrokhim</a>, <a href="https://publications.waset.org/abstracts/search?q=Emi%20Sukiyah"> Emi Sukiyah</a>, <a href="https://publications.waset.org/abstracts/search?q=Pulung%20Arya%20Pranantya"> Pulung Arya Pranantya</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Jakarta Area is composed by deposit which has various lithology characteristics. Based on its lithology types, colors, textures, mineral dan organic content from 22 wells scattered on Jakarta, lithofacies analysis and intra-wells data correlation can be done. From the analysis, it can be interpretated that Jakarta deposit deposited in marine, transition and terrestrial depositional environments. Terrestrial deposit characterized by domination of relatively coarse clastics and content of remaining roots, woods, plants, high content of quartz, lithic fragment, calcareous and oxidated appearace. The thickness of terrestrial deposit is thickening to south. Transitional deposit characterized by fine to medium clastics with dark color, high content of organic matter, various thickness in any ways. Marine deposit characterized by finer clastics, contain remain of shells, fosil, coral, limestone fragments, glauconites, calcareous. Marine deposit relatively thickening to north. Those lateral variety caused by tectonic, subsidence and stratigraphic condition. Deposition of Jakarta deposit from the data research was started on marine depositional environment which surrounded by the event of cycle of regression and transgression then ended with regression which ongoing until form shore line in north Jakarta nowadays. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=deposit" title="deposit">deposit</a>, <a href="https://publications.waset.org/abstracts/search?q=Indonesia" title=" Indonesia"> Indonesia</a>, <a href="https://publications.waset.org/abstracts/search?q=Jakarta" title=" Jakarta"> Jakarta</a>, <a href="https://publications.waset.org/abstracts/search?q=sediment" title=" sediment"> sediment</a>, <a href="https://publications.waset.org/abstracts/search?q=stratigraphy" title=" stratigraphy"> stratigraphy</a> </p> <a href="https://publications.waset.org/abstracts/50465/deposit-characteristics-of-jakarta-indonesia-a-stratigraphy-study-of-jakarta-subsurface" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/50465.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">254</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">566</span> A New Criterion for Removal of Fouling Deposit</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=D.%20B%C3%A4cker">D. B盲cker</a>, <a href="https://publications.waset.org/abstracts/search?q=H.%20Chaves"> H. Chaves</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The key to improve surface cleaning of the fouling is understanding of the mechanism of separation process of the deposit from the surface. The authors give basic principles of characterization of separation process and introduce a corresponding criterion. The developed criterion is a measure for the moment of separation of the deposit from the surface. For this purpose a new measurement technique is described. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=cleaning" title="cleaning">cleaning</a>, <a href="https://publications.waset.org/abstracts/search?q=fouling" title=" fouling"> fouling</a>, <a href="https://publications.waset.org/abstracts/search?q=separation" title=" separation"> separation</a>, <a href="https://publications.waset.org/abstracts/search?q=criterion" title=" criterion"> criterion</a> </p> <a href="https://publications.waset.org/abstracts/33125/a-new-criterion-for-removal-of-fouling-deposit" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/33125.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">455</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">565</span> Multivariate Dependent Frequency-Severity Modeling of Insurance Claims: A Vine Copula Approach</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Islem%20Kedidi">Islem Kedidi</a>, <a href="https://publications.waset.org/abstracts/search?q=Rihab%20Bedoui%20Bensalem"> Rihab Bedoui Bensalem</a>, <a href="https://publications.waset.org/abstracts/search?q=Faysal%20Manssouri"> Faysal Manssouri</a> </p> <p class="card-text"><strong>Abstract:</strong></p> In traditional models of insurance data, the number and size of claims are assumed to be independent. Relaxing the independence assumption, this article explores the Vine copula to model dependence structure between multivariate frequency and average severity of insurance claim. To illustrate this approach, we use the Wisconsin local government property insurance fund which offers several insurance protections for motor vehicles, property and contractor鈥檚 equipment claims. Results show that the C-vine copula can better characterize the multivariate dependence structure between frequency and severity. Furthermore, we find significant dependencies especially between frequency and average severity among different coverage types. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=dependency%20modeling" title="dependency modeling">dependency modeling</a>, <a href="https://publications.waset.org/abstracts/search?q=government%20insurance" title=" government insurance"> government insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=insurance%20claims" title=" insurance claims"> insurance claims</a>, <a href="https://publications.waset.org/abstracts/search?q=vine%20copula" title=" vine copula"> vine copula</a> </p> <a href="https://publications.waset.org/abstracts/101505/multivariate-dependent-frequency-severity-modeling-of-insurance-claims-a-vine-copula-approach" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/101505.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">208</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">564</span> Organizational Mortality of Insurance Organizations under the Conditions of Environmental Changes</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Erdem%20Kirkbesoglu">Erdem Kirkbesoglu</a>, <a href="https://publications.waset.org/abstracts/search?q=A.%20Bugra%20Soylu"> A. Bugra Soylu</a>, <a href="https://publications.waset.org/abstracts/search?q=E.%20Deniz%20Kahraman"> E. Deniz Kahraman</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The aim of this study is to examine the effects of some variables on organizational mortality of the Turkish insurance industry and calculate the carrying capacities of Turkish insurance industry according to cities and regions. In the study, organizational mortality was tested with the level of reaching the population's carrying capacity. The findings of this study show that the insurance sales potentials can be calculated according to the provinces and regions of Turkey. It has also been proven that the organizations that feed on the same source will have a carrying capacity in the evolutionary process. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=insurance" title="insurance">insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=carrying%20capacity" title=" carrying capacity"> carrying capacity</a>, <a href="https://publications.waset.org/abstracts/search?q=organizational%20mortality" title=" organizational mortality"> organizational mortality</a>, <a href="https://publications.waset.org/abstracts/search?q=organization" title=" organization"> organization</a> </p> <a href="https://publications.waset.org/abstracts/89651/organizational-mortality-of-insurance-organizations-under-the-conditions-of-environmental-changes" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/89651.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">282</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">563</span> A Comparative Study of Insurance Policies Worldwide in Public Private Partnerships</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Guanqun%20Shi">Guanqun Shi</a>, <a href="https://publications.waset.org/abstracts/search?q=Xueqing%20Zhang"> Xueqing Zhang</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The frequent occurrence of failures in PPP projects which caused great loss has raised attention from the government as well as the concessionaire. PPPs are complex arrangements for its long operation period and multiple players. Many types of risks in PPP projects may cause the project fail. The insurance is an important tool to transfer the risks. Through a comparison and analysis of international government PPP guidelines and contracts as well as the case studies worldwide, we have identified eight main insurance principles, discussed thirteen insurance types in different stages. An overall procedure would be established to improve the practices in PPP projects. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=public%20private%20partnerships" title="public private partnerships">public private partnerships</a>, <a href="https://publications.waset.org/abstracts/search?q=insurance" title=" insurance"> insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=contract" title=" contract"> contract</a>, <a href="https://publications.waset.org/abstracts/search?q=risk" title=" risk"> risk</a> </p> <a href="https://publications.waset.org/abstracts/75962/a-comparative-study-of-insurance-policies-worldwide-in-public-private-partnerships" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/75962.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">283</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">562</span> Impact of Brexit on the Structure of the European Insurance Market: A Solvency and Financial Condition Report Content Analysis of UK Insurance Companies</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Antonia%20M%C3%BCller">Antonia M眉ller</a>, <a href="https://publications.waset.org/abstracts/search?q=Svend%20Reuse"> Svend Reuse</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The Brexit referendum in June 2016 led to different publications analysing potential consequences for European and British insurance companies under the European Passport. This study addresses a research gap, regarding the measures taken by insurance companies based in the United Kingdom and thus on structural changes to the European insurance market by an innovative structured Solvency and Financial Condition Report content analysis. In scope are all insurance companies based in the United Kingdom, that fall under the Solvency II supervisory regime. The results show that the majority of British Solvency II insurance companies in scope, conducting cross-border business to the European Union, have applied and reported measures to be able to continue operating this cross-border business after Brexit. In addition, the study shows that 34 new insurance companies based in the European Union were established as a result of Brexit, indicating structural changes to the European insurance market. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=brexit" title="brexit">brexit</a>, <a href="https://publications.waset.org/abstracts/search?q=europe" title=" europe"> europe</a>, <a href="https://publications.waset.org/abstracts/search?q=insurance%20market" title=" insurance market"> insurance market</a>, <a href="https://publications.waset.org/abstracts/search?q=solvency%20and%20financial%20condition%20repot" title=" solvency and financial condition repot"> solvency and financial condition repot</a>, <a href="https://publications.waset.org/abstracts/search?q=structural%20changes" title=" structural changes"> structural changes</a> </p> <a href="https://publications.waset.org/abstracts/145865/impact-of-brexit-on-the-structure-of-the-european-insurance-market-a-solvency-and-financial-condition-report-content-analysis-of-uk-insurance-companies" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/145865.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">206</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">561</span> An Approach to Practical Determination of Fair Premium Rates in Crop Hail Insurance Using Short-Term Insurance Data</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Necati%20I%C3%A7er">Necati I莽er</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Crop-hail insurance plays a vital role in managing risks and reducing the financial consequences of hail damage on crop production. Predicting insurance premium rates with short-term data is a major difficulty in numerous nations because of the unique characteristics of hailstorms. This study aims to suggest a feasible approach for establishing equitable premium rates in crop-hail insurance for nations with short-term insurance data. The primary goal of the rate-making process is to determine premium rates for high and zero loss costs of villages and enhance their credibility. To do this, a technique was created using the author's practical knowledge of crop-hail insurance. With this approach, the rate-making method was developed using a range of temporal and spatial factor combinations with both hypothetical and real data, including extreme cases. This article aims to show how to incorporate the temporal and spatial elements into determining fair premium rates using short-term insurance data. The article ends with a suggestion on the ultimate premium rates for insurance contracts. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=crop-hail%20insurance" title="crop-hail insurance">crop-hail insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=premium%20rate" title=" premium rate"> premium rate</a>, <a href="https://publications.waset.org/abstracts/search?q=short-term%20insurance%20data" title=" short-term insurance data"> short-term insurance data</a>, <a href="https://publications.waset.org/abstracts/search?q=spatial%20and%20temporal%20parameters" title=" spatial and temporal parameters"> spatial and temporal parameters</a> </p> <a href="https://publications.waset.org/abstracts/181441/an-approach-to-practical-determination-of-fair-premium-rates-in-crop-hail-insurance-using-short-term-insurance-data" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/181441.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">55</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">560</span> By-Line Analysis of Determinants Insurance Premiums : Evidence from Tunisian Market</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Nadia%20Sghaier">Nadia Sghaier</a> </p> <p class="card-text"><strong>Abstract:</strong></p> In this paper, we aim to identify the determinants of the life and non-life insurance premiums of different lines for the case of the Tunisian insurance market over a recent period from 1997 to 2019. The empirical analysis is conducted using the linear cointegration techniques in the panel data framework, which allow both long and short-run relationships. The obtained results show evidence of long-run relationship between premiums, losses, and financial variables (stock market indices and interest rate). Furthermore, we find that the short-run effect of explanatory variables differs across lines. This finding has important implications for insurance tarification and regulation. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=insurance%20premiums" title="insurance premiums">insurance premiums</a>, <a href="https://publications.waset.org/abstracts/search?q=lines" title=" lines"> lines</a>, <a href="https://publications.waset.org/abstracts/search?q=Tunisian%20insurance%20market" title=" Tunisian insurance market"> Tunisian insurance market</a>, <a href="https://publications.waset.org/abstracts/search?q=cointegration%20approach%20in%20panel%20data" title=" cointegration approach in panel data"> cointegration approach in panel data</a> </p> <a href="https://publications.waset.org/abstracts/140643/by-line-analysis-of-determinants-insurance-premiums-evidence-from-tunisian-market" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/140643.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">198</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">559</span> An Assessment of the Extent and Impact of Motor Insurance Fraud Claims in Nigeria</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Olatokunbo%20Shoyemi">Olatokunbo Shoyemi</a>, <a href="https://publications.waset.org/abstracts/search?q=Mario%20Brito"> Mario Brito</a>, <a href="https://publications.waset.org/abstracts/search?q=Ian%20Dawson"> Ian Dawson</a> </p> <p class="card-text"><strong>Abstract:</strong></p> In recent times, the Nigerian motor insurers have experienced high volume of motor insurance claim pay-outs and insignificant contribution to the net premium income of the Nigerian insurance market, which has been a major concern for the shareholders/stakeholders. It has been argued that there are many factors that have brought about these concerns. However, anecdotal evidence (ongoing debates among industry practitioners) suggests prevalence of fraud due to poor practices in motor insurance business in Nigeria. This study is therefore aimed to carry out an assessment of fraud in motor insurance claims as perceived by experts in the Nigerian insurance market. This study adopted a descriptive research design, and the analysis was built on a survey among insurance experts in Nigeria using a designed questionnaire. A purposive and snowball sampling were used to select our sample (N = 120) - representing a selection of all professionally qualified insurance experts in Nigeria insurance industry. The study found that Nigerian insurance experts (i) largely agree that there is a problematic level of fraud in the Nigerian motor insurance industry; (ii) perceive soft fraud to be about 3 times more common than hard fraud in the Nigerian motor insurance industry, and (iii) strongly agree there are problematic impacts from fraud on the solvency of the Nigerian motor insurers. This paper has provided an empirical understanding of the existence, extent, and impact of fraud risks within the Nigerian insurance market based on expert knowledge and insights rather than, as has often been the case, a reliance on individual anecdotes. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=claims" title="claims">claims</a>, <a href="https://publications.waset.org/abstracts/search?q=net%20premium%20income" title=" net premium income"> net premium income</a>, <a href="https://publications.waset.org/abstracts/search?q=motor%20insurance" title=" motor insurance"> motor insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=soft%20fraud" title=" soft fraud"> soft fraud</a>, <a href="https://publications.waset.org/abstracts/search?q=hard%20fraud" title=" hard fraud"> hard fraud</a> </p> <a href="https://publications.waset.org/abstracts/148212/an-assessment-of-the-extent-and-impact-of-motor-insurance-fraud-claims-in-nigeria" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/148212.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">108</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">558</span> Agro-Insurance and Farming Development Opportunities in Georgia</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Tamar%20Lazariashvili">Tamar Lazariashvili</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Introduction: The agro-insurance has great importance for agricultural development in the country. In the article, the insurance market of the Georgian agricultural sector has been studied, the level of interest of farmers with insurance products and the trend of demand for those products are revealed; also, the importance of insurance is substantiated. Methodology: The following research methods are applied in the presented paper: statistical (selection, grouping, observation, trend) and qualitative research (in-depth interview with farmers). They claim that the main reason for aggravation is the low level of trust, less awareness about the conditions of the insurance contract. In order to eradicate distrust towards agro-insurance, it is recommended to increase awareness of insured farmers in terms of an insurance agreement. In the case of disputable issues between insurance companies and the customers (farmers), it is advisable to enact the Mediation Service, which will be able to protect the rights of insured farmers. Main Findings: Insurance companies prefer to deal with large farmers, the number of them is very small in Georgia as the credit market. The government interference in this sector is also a very cautious topic. However, the government can strengthen the awareness of farmers about the characteristics and advantages of the insurance system in order to increase the number of insured and reduce insurance premiums for farmers. Conclusion: Enactment of agro-insurance will increase the interest and confidence of financial institutions in the farming sector, financial resources will be accessible to the farmers that will facilitate the stable development of the sector in the country. The size of the agro-insurance market in the country should be increased, and the new territories should be covered. The State must have an obligation to ensure the risk of farmers and subsidize insurance companies. Based on the analysis of the insurance market, the conclusions on agro-insurance issues and the relevant recommendations are proposed. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=Agro-insurance" title="Agro-insurance">Agro-insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=agricultural%20product" title=" agricultural product"> agricultural product</a>, <a href="https://publications.waset.org/abstracts/search?q=Agro-market" title=" Agro-market"> Agro-market</a>, <a href="https://publications.waset.org/abstracts/search?q=farming" title=" farming"> farming</a> </p> <a href="https://publications.waset.org/abstracts/109002/agro-insurance-and-farming-development-opportunities-in-georgia" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/109002.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">123</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">557</span> Risk Management of Natural Disasters on Insurance Stock Market</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Tarah%20Bouaricha">Tarah Bouaricha</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The impact of worst natural disasters is analysed in terms of insured losses which happened between 2010 and 2014 on S&P insurance index. Event study analysis is used to test whether natural disasters impact insurance index stock market price. There is no negative impact on insurance stock market price around the disasters event. To analyse the reaction of insurance stock market, normal returns (NR), abnormal returns (AR), cumulative abnormal returns (CAR), cumulative average abnormal returns (CAAR) and a parametric test on AR and on CAR are used. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=study%20event" title="study event">study event</a>, <a href="https://publications.waset.org/abstracts/search?q=natural%20disasters" title=" natural disasters"> natural disasters</a>, <a href="https://publications.waset.org/abstracts/search?q=insurance" title=" insurance"> insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=reinsurance" title=" reinsurance"> reinsurance</a>, <a href="https://publications.waset.org/abstracts/search?q=stock%20market" title=" stock market"> stock market</a> </p> <a href="https://publications.waset.org/abstracts/35828/risk-management-of-natural-disasters-on-insurance-stock-market" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/35828.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">395</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">556</span> Effect of Electronic Banking on the Performance of Deposit Money Banks in Nigeria: Using ATM and Mobile Phone as a Case Study</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Charity%20Ifunanya%20Osakwe">Charity Ifunanya Osakwe</a>, <a href="https://publications.waset.org/abstracts/search?q=Victoria%20Ogochuchukwu%20Obi-Nwosu"> Victoria Ogochuchukwu Obi-Nwosu</a>, <a href="https://publications.waset.org/abstracts/search?q=Chima%20Kenneth%20Anachedo"> Chima Kenneth Anachedo</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The study investigates how automated teller machines (ATM) and mobile banking affect deposit money banks in the Nigerian economy. The study made use of time series data which were obtained from the Central Bank of Nigeria Statistical Bulletin from 2009 to 2021. The Central Bank of Nigeria (CBN) data on automated teller machine and mobile phones were used to proxy electronic banking while total deposit in banks proxied the performance of deposit money banks. The analysis for the study was done using ordinary least square econometric technique with the aid of economic view statistical package. The results show that the automated teller machine has a positive and significant effect on the total deposits of deposit money banks in Nigeria and that making use of deposits of deposit money banks in Nigeria. It was concluded in the study that e-banking has equally increased banking access to customers and also created room for banks to expand their operations to more customers. The study recommends that banks in Nigeria should prioritize the expansion and maintenance of ATM networks as well as continue to invest in and develop more mobile banking services. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=electronic" title="electronic">electronic</a>, <a href="https://publications.waset.org/abstracts/search?q=banking" title=" banking"> banking</a>, <a href="https://publications.waset.org/abstracts/search?q=automated%20teller%20machines" title=" automated teller machines"> automated teller machines</a>, <a href="https://publications.waset.org/abstracts/search?q=mobile" title=" mobile"> mobile</a>, <a href="https://publications.waset.org/abstracts/search?q=deposit" title=" deposit"> deposit</a> </p> <a href="https://publications.waset.org/abstracts/180816/effect-of-electronic-banking-on-the-performance-of-deposit-money-banks-in-nigeria-using-atm-and-mobile-phone-as-a-case-study" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/180816.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">53</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">555</span> Discrimination in Insurance Pricing: A Textual-Analysis Perspective</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Ruijuan%20Bi">Ruijuan Bi</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Discrimination in insurance pricing is a topic of increasing concern, particularly in the context of the rapid development of big data and artificial intelligence. There is a need to explore the various forms of discrimination, such as direct and indirect discrimination, proxy discrimination, algorithmic discrimination, and unfair discrimination, and understand their implications in insurance pricing models. This paper aims to analyze and interpret the definitions of discrimination in insurance pricing and explore measures to reduce discrimination. It utilizes a textual analysis methodology, which involves gathering qualitative data from relevant literature on definitions of discrimination. The research methodology focuses on exploring the various forms of discrimination and their implications in insurance pricing models. Through textual analysis, this paper identifies the specific characteristics and implications of each form of discrimination in the general insurance industry. This research contributes to the theoretical understanding of discrimination in insurance pricing. By analyzing and interpreting relevant literature, this paper provides insights into the definitions of discrimination and the laws and regulations surrounding it. This theoretical foundation can inform future empirical research on discrimination in insurance pricing using relevant theories of probability theory. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=algorithmic%20discrimination" title="algorithmic discrimination">algorithmic discrimination</a>, <a href="https://publications.waset.org/abstracts/search?q=direct%20and%20indirect%20discrimination" title=" direct and indirect discrimination"> direct and indirect discrimination</a>, <a href="https://publications.waset.org/abstracts/search?q=proxy%20discrimination" title=" proxy discrimination"> proxy discrimination</a>, <a href="https://publications.waset.org/abstracts/search?q=unfair%20discrimination" title=" unfair discrimination"> unfair discrimination</a>, <a href="https://publications.waset.org/abstracts/search?q=insurance%20pricing" title=" insurance pricing"> insurance pricing</a> </p> <a href="https://publications.waset.org/abstracts/178477/discrimination-in-insurance-pricing-a-textual-analysis-perspective" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/178477.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">73</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">554</span> A Translog Analysis of Insurance Economies in Nigeria</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Prince%20Ayodeji%20Yusuph">Prince Ayodeji Yusuph</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Recapitalization process that has recently become an imperative process in the Nigerian Financial industry has implications for the survival of insurance sector, especially on their service delivery efficiency. This study therefore seeks to investigate the problem of inefficiency in the Nigerian Insurance market from the perspective of their cost structures. The study takes advantage of secondary data of financial reports of thirty randomly selected insurance firms which span over a period of ten years and applied transcendental logarithm model to evaluate their performance from the cost structures strategy. The results indicate that only large scale firms enjoy cost saving advantages. Twenty percent firms sampled belong to this category. The result suggests that premium income would contribute to insurance firm鈥檚 performance, only when a sound investment decisions are made. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=transcedental%20logarithm" title="transcedental logarithm">transcedental logarithm</a>, <a href="https://publications.waset.org/abstracts/search?q=cost%20structures" title=" cost structures"> cost structures</a>, <a href="https://publications.waset.org/abstracts/search?q=insurance%20firms%20and%20efficiency" title=" insurance firms and efficiency"> insurance firms and efficiency</a>, <a href="https://publications.waset.org/abstracts/search?q=Nigeria" title=" Nigeria"> Nigeria</a> </p> <a href="https://publications.waset.org/abstracts/4388/a-translog-analysis-of-insurance-economies-in-nigeria" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/4388.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">250</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">553</span> Experimental Technique to Study Colloid Deposition in Porous Media</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Abdelkader%20Djehiche">Abdelkader Djehiche</a>, <a href="https://publications.waset.org/abstracts/search?q=Mostefa%20Gafsi"> Mostefa Gafsi</a>, <a href="https://publications.waset.org/abstracts/search?q=Henri%20Bertin"> Henri Bertin</a>, <a href="https://publications.waset.org/abstracts/search?q=Aziz%20Omari"> Aziz Omari</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The flows of colloidal suspensions in porous media find many applications in fields such as Petroleum, Hydraulic engineering, deep-bed filtration. For each application, the scientific problems can be summarized the flow in porous medium of a colloidal suspension whose particles having characteristic dimension is considerable in comparison with the pores dimension. In certain cases, one can observe a deposit of particles on the surface of the pores which results in a significant modification in the physical properties of the porous medium. The objective of our study is to use a non-destructive experimental method, the attenuation of g-rays, to study the influence of the number of Peclet on the deposit of latex particles in a consolidated porous medium. The first results obtained show a good agreement between local and global measurements of the deposit of the particles in porous medium. The deposit takes place in a progressive way along the porous medium and leads to a monolayer deposit of which the average thickness is of about the size diameter of the colloidal particles. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=colloid" title="colloid">colloid</a>, <a href="https://publications.waset.org/abstracts/search?q=gamma%20ray" title=" gamma ray"> gamma ray</a>, <a href="https://publications.waset.org/abstracts/search?q=Peclet%20number" title=" Peclet number"> Peclet number</a>, <a href="https://publications.waset.org/abstracts/search?q=permeability" title=" permeability"> permeability</a>, <a href="https://publications.waset.org/abstracts/search?q=porous%20medium" title=" porous medium"> porous medium</a> </p> <a href="https://publications.waset.org/abstracts/85302/experimental-technique-to-study-colloid-deposition-in-porous-media" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/85302.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">186</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">552</span> Analysis of Risk Factors Affecting the Motor Insurance Pricing with Generalized Linear Models</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Puttharapong%20Sakulwaropas">Puttharapong Sakulwaropas</a>, <a href="https://publications.waset.org/abstracts/search?q=Uraiwan%20%20Jaroengeratikun"> Uraiwan Jaroengeratikun</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Casualty insurance business, the optimal premium pricing and adequate cost for an insurance company are important in risk management. Normally, the insurance pure premium can be determined by multiplying the claim frequency with the claim cost. The aim of this research was to study in the application of generalized linear models to select the risk factor for model of claim frequency and claim cost for estimating a pure premium. In this study, the data set was the claim of comprehensive motor insurance, which was provided by one of the insurance company in Thailand. The results of this study found that the risk factors significantly related to pure premium at the 0.05 level consisted of no claim bonus (NCB) and used of the car (Car code). <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=generalized%20linear%20models" title="generalized linear models">generalized linear models</a>, <a href="https://publications.waset.org/abstracts/search?q=risk%20factor" title=" risk factor"> risk factor</a>, <a href="https://publications.waset.org/abstracts/search?q=pure%20premium" title=" pure premium"> pure premium</a>, <a href="https://publications.waset.org/abstracts/search?q=regression%20model" title=" regression model"> regression model</a> </p> <a href="https://publications.waset.org/abstracts/65636/analysis-of-risk-factors-affecting-the-motor-insurance-pricing-with-generalized-linear-models" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/65636.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">466</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">551</span> Shear Modulus Degradation of a Liquefiable Sand Deposit by Shaking Table Tests </h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Henry%20Munoz">Henry Munoz</a>, <a href="https://publications.waset.org/abstracts/search?q=Muhammad%20Mohsan"> Muhammad Mohsan</a>, <a href="https://publications.waset.org/abstracts/search?q=Takashi%20Kiyota"> Takashi Kiyota</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Strength and deformability characteristics of a liquefiable sand deposit including the development of earthquake-induced shear stress and shear strain as well as soil softening via the progressive degradation of shear modulus were studied via shaking table experiments. To do so, a model of a liquefiable sand deposit was constructed and densely instrumented where accelerations, pressures, and displacements at different locations were continuously monitored. Furthermore, the confinement effects on the strength and deformation characteristics of the liquefiable sand deposit due to an external surcharge by placing a heavy concrete slab (i.e. the model of an actual structural rigid pavement) on the ground surface were examined. The results indicate that as the number of seismic-loading cycles increases, the sand deposit softens progressively as large shear strains take place in different sand elements. Liquefaction state is reached after the combined effects of the progressive degradation of the initial shear modulus associated with the continuous decrease in the mean principal stress, and the buildup of the excess of pore pressure takes place in the sand deposit. Finally, the confinement effects given by a concrete slab placed on the surface of the sand deposit resulted in a favorable increasing in the initial shear modulus, an increase in the mean principal stress and a decrease in the softening rate (i.e. the decreasing rate in shear modulus) of the sand, thus making the onset of liquefaction to take place at a later stage. This is, only after the sand deposit having a concrete slab experienced a higher number of seismic loading cycles liquefaction took place, in contrast to an ordinary sand deposit having no concrete slab. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=liquefaction" title="liquefaction">liquefaction</a>, <a href="https://publications.waset.org/abstracts/search?q=shear%20modulus%20degradation" title=" shear modulus degradation"> shear modulus degradation</a>, <a href="https://publications.waset.org/abstracts/search?q=shaking%20table" title=" shaking table"> shaking table</a>, <a href="https://publications.waset.org/abstracts/search?q=earthquake" title=" earthquake"> earthquake</a> </p> <a href="https://publications.waset.org/abstracts/78982/shear-modulus-degradation-of-a-liquefiable-sand-deposit-by-shaking-table-tests" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/78982.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">387</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">550</span> The Impact of Corporate Governance on Risk Taking in European Insurance Industry</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Francesco%20Venuti">Francesco Venuti</a>, <a href="https://publications.waset.org/abstracts/search?q=Simona%20Alfiero"> Simona Alfiero</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The aim of this paper is to develop an empirical research on the nature and consequences of corporate governance on Eurozone Insurance Industry risk taking attitude. More particularly, we analyzed the effect of public ownership on risk taking with respect to privately held Insurance Companies. We also analyzed the effects on risk taking attitude of different degrees of ownership concentration, directors compensation, and the dimension/diversity of the Board of Directors. Our results provide quite strong evidence that, coherently with the Agency Theory, publicly traded insurance companies with more concentrated ownership are less risky than the corresponding privately held. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=agency%20theory" title="agency theory">agency theory</a>, <a href="https://publications.waset.org/abstracts/search?q=corporate%20governance" title=" corporate governance"> corporate governance</a>, <a href="https://publications.waset.org/abstracts/search?q=insurance%20companies" title=" insurance companies"> insurance companies</a>, <a href="https://publications.waset.org/abstracts/search?q=risk%20taking" title=" risk taking"> risk taking</a> </p> <a href="https://publications.waset.org/abstracts/40263/the-impact-of-corporate-governance-on-risk-taking-in-european-insurance-industry" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/40263.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">428</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">549</span> The Relationship between Organizational Culture and the Establishment of Knowledge Management in the Central Insurance of Iran</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Alireza%20Assareh">Alireza Assareh</a>, <a href="https://publications.waset.org/abstracts/search?q=Fatemeh%20Havas%20Beigi"> Fatemeh Havas Beigi</a>, <a href="https://publications.waset.org/abstracts/search?q=Mohammad%20Vafaee%20Yeganeh"> Mohammad Vafaee Yeganeh</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The present study is conducted to investigate the relationship between organizational culture and the establishment of knowledge management in the Central Insurance of Iran. The research results revealed that there is a significant positive relationship between organizational culture and its elements that include management support, organizational belonging, individual innovation, and leadership style and the establishment of knowledge management in the central insurance of Iran and that there isn鈥檛 any significant relationship between conflict resolution and the establishment of knowledge management in the central insurance of Iran. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=organizational%20culture" title="organizational culture">organizational culture</a>, <a href="https://publications.waset.org/abstracts/search?q=knowledge%20management" title=" knowledge management"> knowledge management</a>, <a href="https://publications.waset.org/abstracts/search?q=central%20insurance%20of%20Iran" title=" central insurance of Iran"> central insurance of Iran</a>, <a href="https://publications.waset.org/abstracts/search?q=individual%20innovation" title=" individual innovation"> individual innovation</a> </p> <a href="https://publications.waset.org/abstracts/21748/the-relationship-between-organizational-culture-and-the-establishment-of-knowledge-management-in-the-central-insurance-of-iran" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/21748.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">491</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">548</span> Possibilities and Prospects for the Development of the Agricultural Insurance Market (The Example of Georgia)</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Nino%20Damenia">Nino Damenia</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The agricultural sector plays an important role in the development of Georgia's economy, it contributes to employment and food security. It faces various types of risks that may lead to heavy financial losses. Agricultural insurance is one of the means of combating agricultural risks. The paper discusses the agricultural insurance experience of those countries (European countries and the USA) that have successfully implemented the agricultural insurance program. Analysis of international cases shows that a well-designed and implemented agri-insurance system can bring significant benefits to farmers, insurance companies and the economy as a whole. In the background of all this, the Government of Georgia recognized the importance of agro-insurance and took important steps for its development. In 2014, in cooperation with insurance companies, an agro-insurance program was introduced, the purpose of which is to increase the availability of insurance for farmers and stimulate the agro-insurance market. Despite such a step forward, challenges remain such as awareness of farmers, insufficient infrastructure for data collection and risk assessment, involvement of insurance companies and other important factors. With the support of the government and stakeholders, it is possible to overcome the existing challenges and establish a strong and effective agro-insurance system. Objectives. The purpose of the research is to analyze the development trends of the agricultural insurance market, to identify the main factors affecting its growth, and to further develop recommendations for development prospects for Georgia. Methodologies. The research uses mixed methods, which combine qualitative and quantitative research techniques. The qualitative method includes the study of the literature of Georgian and foreign economists, which allows us to get acquainted with the challenges, opportunities, legislative and regulatory frameworks of agricultural insurance. Quantitative analysis involves collecting data from stakeholders and then analyzing it. The paper also uses the methods of synthesis, comparison and statistical analysis of the agricultural insurance market in Georgia, Europe and the USA. Conclusions. As the main results of the research, we can consider that the analysis of the insurance market has been made and its main functions have been identified; The essence, features and functions of agricultural insurance are analyzed; European and US agricultural insurance market is researched; The stages of formation and development of the agricultural insurance market of Georgia are studied, its importance for the agricultural sector of Georgia is determined; The role of the state for the development of agro-insurance is analyzed and development prospects are established based on the study of the current trends of the agro-insurance market of Georgia. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=agricultural%20insurance" title="agricultural insurance">agricultural insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=agriculture" title=" agriculture"> agriculture</a>, <a href="https://publications.waset.org/abstracts/search?q=agricultural%20insurance%20program" title=" agricultural insurance program"> agricultural insurance program</a>, <a href="https://publications.waset.org/abstracts/search?q=risk" title=" risk"> risk</a> </p> <a href="https://publications.waset.org/abstracts/177508/possibilities-and-prospects-for-the-development-of-the-agricultural-insurance-market-the-example-of-georgia" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/177508.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">59</span> </span> </div> </div> <ul class="pagination"> <li class="page-item disabled"><span class="page-link">&lsaquo;</span></li> <li class="page-item active"><span class="page-link">1</span></li> <li class="page-item"><a class="page-link" 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