استخدام أسلوب التحليل العاملي في تحديد العوامل المؤثرة على الفائض التأميني بالتطبيق على "شركات التأمين التعاوني بالمملكة العربية السعودية"

Abstract EN

Insurance surplus is considered one of the most important outputs of an insurance company as it supports technical funds leading to more reliability and financial trust.

Insurance surplus variates within many Saudi cooperative insurance companies.

In this study, we analyze this problem to determine the most important factors affecting insurance surplus.

We use factor analysis to extract such factors.

Results indicated that insurance surplus of Saudi companies is positively related to net earned premiums and investment returns and is negatively related to reinsurance commissions, net claims, underwriting costs, change in takaful funds and general managerial expenses.

Our main recommendation is to encourage insurers to comply with sharia in distributing surplus on policyholders, which result in demand increase for insurance companies