Journal of Behavioural Economics, Finance, Entrepreneurship, Accounting and Transport
ISSN (Print): 2376-1326 ISSN (Online): 2376-1334 Website: http://www.sciepub.com/journal/jbe Editor-in-chief: Pr. Abdelfatteh Bouri
Open Access
Journal Browser
Go
Journal of Behavioural Economics, Finance, Entrepreneurship, Accounting and Transport. 2015, 3(1), 57-64
DOI: 10.12691/jbe-3-1-7
Open AccessArticle

The Determinants of Bank Insurance: Empirical Validation in the Tunisian Context

Afifa Ferhi1, and Younes Boujelbene1

1Faculty of Economics and Management of Sfax, Laboratory URECA, University of Sfax, Street of airport, Tunisia

Pub. Date: March 05, 2015

Cite this paper:
Afifa Ferhi and Younes Boujelbene. The Determinants of Bank Insurance: Empirical Validation in the Tunisian Context. Journal of Behavioural Economics, Finance, Entrepreneurship, Accounting and Transport. 2015; 3(1):57-64. doi: 10.12691/jbe-3-1-7

Abstract

This paper aims to analyze the factors that can either speed up or hinder the development of bancassurance through taking into account the case of the Tunisian market. The validation of our conceptual framework was carried out through a quantitative data collecting method based on a survey conducted in Tunisian banks. The empirical results showed that the saturation of the general insurance market, commercial synergy and the greater accessibility to financial services, are among the most important factors that encourage the development of bancassurance to make the services provided to their customers effective.

Keywords:
banks insurance development Tunisian market

Creative CommonsThis work is licensed under a Creative Commons Attribution 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by/4.0/

References:

[1]  Agarwal, R., and A.W. Horowitz, 2002, “Are International Remittances Altruism or Insurance? Evidence from Guyana Using Multiple-Migrant Households,” World Development, Vol. 30, pp. 2033-44.
 
[2]  Allen, L. and J. Jagtiani, “The Risk Effects of Combining Banking, Securities and Insurance Activities,” Journal of Economics and Business, vol. 52, 2000, pp. 485-497.
 
[3]  ALLEN, L.; JAGTIANI, J. (2000): “The risk effects of combining banking, securities and insurance activities”, Journal of Economics and Business, vol. 52, iss. 6, pp. 485-497.
 
[4]  Bellando, J-L., Bouchaert, H and Scher A-D (1994), “l’assurance dans le marché unique, Paris : la Documentation française.
 
[5]  Bencivenga, R. et Smith, B.D. (1991), « Financial intermediation and endogenous growth », The Revue of Economic Studies 58, 195-209.
 
[6]  Bos, J.W.B, and Kool, C.J.M (2006), “Bank efficiency: the role of bank strategy and local market conditions”, Journal of Banking and Finance, vol.30, Issue 7, pp.1953-1974.
 
[7]  Carow, K.A., 2001a. Citicorp–Travelers Group merger: challenging barriers between banking and insurance. Journal of Banking and Finance 25, 1553-1571.
 
[8]  Carow, K.A., 2001b. The wealth effects of allowing bank entry into the insurance industry. Journal of Risk and Insurance 68, 129-150.
 
[9]  Chen, R. and Wong, K. A. The determinants of financial health of Asian Insurance companies. The Journal of Risk and Insurance, 71, (3), 469-499, 2004.
 
[10]  Chen, Shaohua and Martin Ravallion (2008) “The developing world is poorer than we thought, but no less successful in the fight against poverty,” Policy Research Working Paper #4703, World Bank.
 
[11]  Christensen, C., & Overdorf, M. (2000). Meeting the challenge of disruptive change. Harvard Business Review, (March–April): 66-76.
 
[12]  Fields, L.P., Fraser, D.R., Kolari, J.W., 2007a. Bidder returns in bancassurance mergers: is there evidence of synergy? Journal of Banking and Finance 31, 3646-3662.
 
[13]  Fields, L.P., Fraser, D.R., Kolari, J.W., 2007a. Bidder returns in bancassurance mergers: is there evidence of synergy? Journal of Banking and Finance 31, 3646-3662.
 
[14]  Foss, K. and N. Foss (1999), The knowledge-based approach and organisational economics: How much do they really differ? And how does it matter?, this volume.
 
[15]  Gulati, R.(1995). Does familiarly breed trust? The implication of repeated ties for contractual choice inalliances Academy of Management Journal. 38(1). 85-112.
 
[16]  Gulati, Ranjay (1995), “Does Familiarity breed Trust? The Implications of Repeated Ties For Contractual Choice in Alliances,” Academy of Management Journal, 38 (1), 85-112.
 
[17]  J. Voutilainen, E. Tommila, J. Partanen, T. Reiniaho, and R. Sepponen. Lifetime moisture monitoring system for buildings. In Proceedings of the Second International Symposium, ILCDES 2003, Integrated Lifetime Engineering of Buildings and Civil Infrastructures, pages 337-342, Kuopio, Finland, 2003.
 
[18]  Richards, J.C., Platt, J., and Platt, H. (1992). Dictionary of language teaching and applied linguistics. London: Longman.
 
[19]  S.-J. Lee, D. Mayers, and C.W. Smith. Guaranty Funds and Risk-Taking Evidence from the Insurance Industry. Journal of Financial Economics, 44:3-24, 1997.
 
[20]  Staikouras, S.K. and Nurullah, M. (2008), “The separation of banking from insurance: evidence from Europe”, Multinational Finance Journal, Vol. 12, pp. 157-84.
 
[21]  Staikouras, S.K., 2006a. Financial intermediaries and interest rate risk. II. Financial Markets. Institutions and Instruments 15, 225-272
 
[22]  Urban S.,Vendemini, S. 1994, Les Alliances Stratégiques Coopératives Européennes, De Boeck Université, Bruxelles.
 
[23]  Wilcox BA, Gubler DJ (2005) Disease ecology and the global emergence of zoonotic pathogens. Environmental Health and Preventive Medicine 10:263-272.