دور التأمين الأصغر في تغطية المخاطر البحتة للمؤسسات المصغرة: دراسة حالة ADIE خلال 2019-2023
الملخص
هدفت هذه الدراسة إلى معرفة كيف يساهم التأمين الأصغر في تغطية الأخطار التي يمكن التأمين عليها والتي تهدد المؤسسات المصغرة. فبعد عرض مفهوم كل من المؤسسات المصغرة والتأمين الأصغر، تم دراسة حالة إحدى الجمعيات الفرنسية التي تغطي هذا النوع من الأخطار، والتي تتمثل في جمعية ADIE.
تم التوصل من خلال هذه الدراسة إلى أن التأمين الأصغر يساهم فعلا في تغطية الأخطار التي يمكن التأمين عليها والتي تهدد بشكل مباشر المؤسسات المصغرة من خلال منتجات التأمين الأصغر التي توفرها مؤسسات التمويل الأصغر، هذه المنتجات تكون مصممة بطريقة مختلفة حيث تكون أقساط التأمين مقبولة مع القليل من الشروط بالمقارنة مع منتجات التأمين التقليدي التي لا يمكن لأصحاب المؤسسات المصغرة اقتناءها.
المراجع
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Insurance Commision. (2018). A Handbook on Microinsurance. First Edition. Retrieved 06 26, 2024, from https://www.insurance.gov.ph/wp-content/uploads/2022/08/MicronInsurance-hand-book.pdf
Jim Roth, M. J. (2007, April). The Landscape of Microinsurance in the World's 100 Poorest Countries. Microinsurance Center LLC. Retrieved 06 24, 2024, from https://www.shareweb.ch/site/EI/Documents/FSD/The%20Landscape%20of%20Microinsurance%20in%20the%20World's%20100%20Poorest%20Countries%20-%202007(en).pdf
Loudhe, S. B. (2014). Micro Entrepreneurship: Sources of Finance & Related Constraints. Procedia Economics and Finance(11), 775-783. Retrieved 06 10, 2024, from https://core.ac.uk/download/pdf/82549667.pdf
MARSH. (2018). Business Interruption: Risk Managed or Long-Term Stakeholder Value Loss? New York, United States of America (USA). Retrieved 06 18, 2024, from https://www.marsh.com/content/dam/marsh/Documents/PDF/nl/en/18-058%20Business%20Interruption_DIGITAL.pdf
Microinsurance Center. (2009). Insurance in Developing Countries: Exploring Opportunities in Microinsurance. LLOYD'S. Retrieved 06 24, 2024, from https://assets.lloyds.com/assets/pdf-insurancein-developing-countries/1/pdf-insuranceIn-developing-countries.pdf
Mohamed Adam, Y. H. (2019). Microinsurance: A Tool to Enhance Financial Inclusion in Egypt. Japan International Cooperation Agency (JICA). Retrieved 06 18, 2024, from https://www.jica.go.jp/egypt/english/office/topics/c8h0vm0000ex4msq-att/190426_01.pdf
SMITH, P., FISHER, R., CARLIN, D., & LONFAT, M. (2021, 04). Liability Risk and Adaptation Finance. Geneva, Switzerland. Retrieved 06 18, 2024, from https://www.unepfi.org/wordpress/wp-content/uploads/2021/04/UNEPFI-Climate-Change-Litigation-Report-Lowres.pdf
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https://www.iaisweb.org/uploads/2022/01/Issues_Paper_in_regulation_and_supervsion_of_microinsurance__June_2007.pdf.pdf
(IAIS), I. A. (2012, October). Application Paper on Regulation and Supervision Supporting Inclusive Insurance Markets. Retrieved 06 20, 2024, from https://www.iaisweb.org/uploads/2022/01/Application_Paper_on_Regulation_and_Supervision_supporting_Inclusive_Insurance_Markets.pdf.pdf
Actuarial review. (2023). The benefits of Microinsurance. Retrieved 06 20, 2024, from https://ar.casact.org/the-benefits-of-microinsurance/
ADIE. (2019). Annual report. Paris - France: ADIE. Retrieved 07 04, 2024, from https://www.adie.org/devenir-partenaire/etudes-et-rapports-d-activite/
ADIE. (2020). Annual report. Paris - France: ADIE. Retrieved 07 04, 2024, from https://www.adie.org/devenir-partenaire/etudes-et-rapports-d-activite/
ADIE. (2021). Annual report. Paris - France: ADIE. Retrieved 07 04, 2024, from https://www.adie.org/devenir-partenaire/etudes-et-rapports-d-activite/
ADIE. (2022). Annual report. Paris - France: ADIE. Retrieved 07 04, 2024, from https://www.adie.org/devenir-partenaire/etudes-et-rapports-d-activite/
ADIE. (2023). Annual report. Paris - France: ADIE. Retrieved 07 04, 2024, from https://www.adie.org/devenir-partenaire/etudes-et-rapports-d-activite/
ADIE. (2024). Our history. Retrieved 07 02, 2024, from https://www.adie.org/notre-histoire/
ADIE. (2024). Our mission. Retrieved 07 02, 2024, from https://www.adie.org/notre-mission/
ADIE. (2024). To benefit from complementary health insurance. Retrieved 07 10, 2024, from https://www.adie.org/pour-beneficier-d-une-complementaire-sante/#top
ADIE. (2024). To buy a vehicle or pass my license. Retrieved 07 08, 2024, from https://www.adie.org/pour-acheter-un-vehicule-ou-passer-mon-permis/
ADIE. (2024). To create or develop my business. Retrieved 07 08, 2024, from https://www.adie.org/pour-creer-ou-developper-mon-entreprise/
ADIE. (2024). To ensure my professional activity. Retrieved 07 10, 2024, from https://www.adie.org/pour-assurer-mon-activite-professionnelle/
ADIE. (2024). To insure my vehicle. Retrieved 07 10, 2024, from https://www.adie.org/pour-assurer-mon-vehicule/
Alice Merry. (2021). The Landscape of Microinsurance. Microinsurance Network. Retrieved 06 24, 2024, from https://www.ada-microfinance.org/sites/default/files/inline-files/Landscape%20of%20Microinsurance%202021_Report.pdf
BLACH, J. (2010, 09 08-09). Financial Risk Identification based on the Balance Sheet Information. Katowice - Poland. Retrieved 06 14, 2024, from https://www.researchgate.net/profile/Joanna-Blach/publication/270957084_Financial_Risk_Identification_based_on_the_Balance_Sheet_Information/inline/jsViewer/54ba52300cf24e50e93f1b20?inViewer=1&pdfJsDownload=1&origin=publication_detail&previewAsPdf=false
Churchill, C. (2006). Protecting the poor - A microinsurance compendium. Munich Re Foundation From Knowledge to Action and the International Labour Organization. Retrieved 06 20, 2024, from https://www.munichre-foundation.org/content/dam/munichre/foundation/publications/2006_9_en_Protecting%20the%20poor_A%20microinsurance%20compendium_Full%20book.pdf/_jcr_content/renditions/original./2006_9_en_Protecting%20the%20poor_A%20microinsurance%20com
Duong, L. (2009). Effective Risk Management Strategies for Small-Medium Enterprises and Micro Compagnies – A Case Study for Viope Solutions Ltd. ARCADA. Retrieved 06 14, 2024, from https://core.ac.uk/download/pdf/38093683.pdf
George E Rejda, M. J. (2017). Principles of Risk Management and Insurance. Thirteenth Edition (Thirteenth Edition ed.). Pearson. Retrieved 06 14, 2024, from https://www.academia.edu/41873785/GlobAl_edITIon_Principles_of_Risk_Management_and_Insurance_THIRTeenTH_edITIon
Hall Kelly, N. C. (2019). Micro entrepreneurship in the care sector. Retrieved 06 10, 2024, from http://pure-oai.bham.ac.uk/ws/portalfiles/portal/84857549/Final_Accepted_Version_for_Pure.pdf
Insurance Commision. (2018). A Handbook on Microinsurance. First Edition. Retrieved 06 26, 2024, from https://www.insurance.gov.ph/wp-content/uploads/2022/08/MicronInsurance-hand-book.pdf
Jim Roth, M. J. (2007, April). The Landscape of Microinsurance in the World's 100 Poorest Countries. Microinsurance Center LLC. Retrieved 06 24, 2024, from https://www.shareweb.ch/site/EI/Documents/FSD/The%20Landscape%20of%20Microinsurance%20in%20the%20World's%20100%20Poorest%20Countries%20-%202007(en).pdf
Loudhe, S. B. (2014). Micro Entrepreneurship: Sources of Finance & Related Constraints. Procedia Economics and Finance(11), 775-783. Retrieved 06 10, 2024, from https://core.ac.uk/download/pdf/82549667.pdf
MARSH. (2018). Business Interruption: Risk Managed or Long-Term Stakeholder Value Loss? New York, United States of America (USA). Retrieved 06 18, 2024, from https://www.marsh.com/content/dam/marsh/Documents/PDF/nl/en/18-058%20Business%20Interruption_DIGITAL.pdf
Microinsurance Center. (2009). Insurance in Developing Countries: Exploring Opportunities in Microinsurance. LLOYD'S. Retrieved 06 24, 2024, from https://assets.lloyds.com/assets/pdf-insurancein-developing-countries/1/pdf-insuranceIn-developing-countries.pdf
Mohamed Adam, Y. H. (2019). Microinsurance: A Tool to Enhance Financial Inclusion in Egypt. Japan International Cooperation Agency (JICA). Retrieved 06 18, 2024, from https://www.jica.go.jp/egypt/english/office/topics/c8h0vm0000ex4msq-att/190426_01.pdf
SMITH, P., FISHER, R., CARLIN, D., & LONFAT, M. (2021, 04). Liability Risk and Adaptation Finance. Geneva, Switzerland. Retrieved 06 18, 2024, from https://www.unepfi.org/wordpress/wp-content/uploads/2021/04/UNEPFI-Climate-Change-Litigation-Report-Lowres.pdf
SPIXII. (2023). What is Microinsurance and why is it imporatant? Retrieved 06 20, 2024, from SPIXII: https://www.spixii.com/blog/spixii-week-39-what-is-microinsurance-and-why-is-it-important
منشور
2024-12-16
كيفية الاقتباس
BOUDRAA , M. R. A., & KRACHE , H. (2024). دور التأمين الأصغر في تغطية المخاطر البحتة للمؤسسات المصغرة: دراسة حالة ADIE خلال 2019-2023. مجلة الامتياز لبحــوث الاقتصاد والادارة, 8(2), 256-275. استرجع في من http://journals.lagh-univ.dz/index.php/jeemr/article/view/4047
إصدار
القسم
Original Article
