Determinants of Life Insurance Demand in Tunisia

Zerriaa, Mouna; Amiri, Mohamed Marouen; Noubbigh, Hédi; Naoui, Kamel

doi:10.1111/1467-8268.12239

Cited by 41 publications

(69 citation statements)

References 28 publications

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“…Concerning the three ICT indicators used this study, the results are broadly consistent with those of Efobi et al (2018) in which, the magnitude of broadband subscriptions on economic development (by means of female economic participation) is substantially higher when compared with internet penetration and mobile phone penetration. The established findings are contrary to Zerriaa et al (2017) who have concluded that the levels education reduces the consumption of life insurance. The main policy implication is that, ICT is valuable in modulating the relevance of education on the subscriptions to life and non-life insurance policies by citizens in Africa.…”

Section: Presentation Of Resultscontrasting

confidence: 83%

“…Third, a great bulk of the literature has focused on two main dimensions, notably: the determinants of life insurance consumption (Guerineau & Sawadogo, 2015;Zerriaa et al, 2017;Alhassan & Biekpe, 2016a) and linkages between insurance penetration and development outcomes (Ioncică et al, 2012;Akinlo, 2015;Alhassan & Biekpe, 2015. The two dimensions are briefly discussed in what follows.…”

Section: Introductionmentioning

confidence: 99%

“…Life insurance development is negatively influenced by young dependency and life expectancy ratios whereas the old dependency ratio, government stability and protection of property rights have positive effects. Zerriaa et al (2017) have investigated the determinants of life insurance demand in Tunisia using annual data for the period 1990 to 2014. The findings show that financial development, income, dependency, life expectancy and urbanization increase the demand for life insurance while pension expenditures have an opposite effect.…”

Section: Introductionmentioning

confidence: 99%

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Technology, Education, Life and Non-life Insurance in Africa

Asongu

2019

International Journal of Public Administration

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This article examines the relevance of information and communication technology (ICT) in modulating the effect of education on life insurance and non-life insurance consumption in 48 African countries for the period 2004-2014. Education is measured with primary school, secondary school and tertiary school enrollments. ICT is measured with mobile phone, internet and broadband subscriptions. The empirical evidence is based on generalized method of moments. The following main findings are established. First, from the nexuses between education, ICT and life insurance, there are positive conditional effects from the interaction between: (i) broadband subscriptions and primary school enrollment; (ii) broadband subscriptions and secondary school enrollment and (iii) internet penetration and tertiary school enrollment. Second, from the nexuses between education, ICT and non-life insurance: (i) there is a negative net effect from the interactions between mobile phone penetration and primary education while positive net effects are apparent from the interactions between: mobile phone penetration and secondary school enrollment; secondary school enrollment and broadband subscriptions and; tertiary school enrollment and broadband subscriptions. JEL Classification: I28; I20; I30; O16; O55

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Section: Presentation Of Resultscontrasting

confidence: 83%

Section: Introductionmentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

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Technology, Education, Life and Non-life Insurance in Africa

Asongu

2019

International Journal of Public Administration

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“…Plusieurs travaux ont analysé la demande des divers biens et services tels que l'assurance (Zerriaa, Amiri, Noubbigh, & Naoui, 2017), les soins médicaux (Anyanwu, 2007), l'éducation (Diagne, 2005; Ogundari & Abdulai, 2014) etc. dans le contexte africain.…”

Section: Revue De La Littératureunclassified

Analyse de la consommation des biens culturels au Togo

Nyatefe

Okey

2020

African Development Review

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This paper analyses the determinants of consumption decision and household expenditure on cultural goods in Togo, based on survey data from the 2015 QUIBB Basic Well‐being Indicators. The determinants of consumption decision are empirically estimated from a probit model while the determinants of consumption expenditure on cultural goods are estimated from a Tobit model and the CLAD (Censored Lead Absolute Deviation) method. The results show that the decision to consume cultural goods is positively affected by the higher level of education and the place of residence but negatively affected by the size of the household. Likewise, households' consumption expenditure is significantly influenced by income, education level, place of residence, household size, and religion. However, estimation by the CLAD method shows that the magnitude of the effect of these factors differs from one quantile to another. Furthermore, our results highlight a U‐shaped relationship between cultural spending and income. Taking these factors into account can help revive the cultural sector in Togo.

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“…Determinants of life insurance have been assessed by Zerriaa et al (2017) using data from 1990-2014. The findings show that interest and inflation rates do not have significant impacts on the dependent variable.…”

Section: Literaure Review On Insurancementioning

confidence: 99%

Information Technology, Governance and Insurance in Sub-Saharan Africa

Asongu

Nnanna²,

Acha-Anyi

2019

SSRN Journal

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Purpose -This study investigates the role of ICT in modulating the effect of governance on insurance penetration in 42 sub-Saharan African countries using data for the period 2004-2014.Design/methodology/approach -Two insurance indicators are used in the analysis, namely: life insurance and non-life insurance. The three ICT modulating dynamics employed include: mobile phone penetration, internet penetration and fixed broadband subscriptions. Six governance channels are also considered, namely: political stability, "voice & accountability", regulation quality, government effectiveness, the rule of law and corruption-control. The empirical evidence is based on generalized method of moments.Findings -The following main findings are established. First, mobile phone penetration does not significantly modulate governance channels to positively affect life insurance while it effectively complements "voice & accountability" to induce a positive net effect on non-life insurance. Second, internet penetration complements: (i) governance dynamics of political stability, government effectiveness and rule of law to induce positive net effects on life insurance: and (ii) corruption-control for an overall positive effect on non-life insurance. Third, the relevance of fixed broadband subscriptions in promoting life insurance is apparent via governance channels of regulation quality, government effectiveness and the rule of law while fixed broadband subscriptions do not induce significant overall net effects on non-life insurance though the conditional effects are overwhelmingly significant.Orginality/value -To the best our knowledge, studies on the relevance of ICT in promoting insurance consumption through governance channels are sparse, especially for a region such as sub-Saharan Africa where insurance penetration is low compared to other regions of the world. JEL Classification: G20; I28; I30; L96; O55

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Determinants of Life Insurance Demand in Tunisia

Cited by 41 publications

References 28 publications

Technology, Education, Life and Non-life Insurance in Africa

Technology, Education, Life and Non-life Insurance in Africa

Analyse de la consommation des biens culturels au Togo

Information Technology, Governance and Insurance in Sub-Saharan Africa

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