قياس و تحليل كفاءة شركات التأمين التكافلي في السوق الماليزي : دراسة مقارنة مع عدد من الشركات التقليدية في السوق

Abstract EN

Takaful insurance companies’ activity was increased at a rapid pace in recent times; especially in the countries of Southeast Asia, and it seek to compete with traditional companies, basing on mechanisms of performance development and increase efficiency, which is the most important challenge for them to keep abreast of modern developments and to ensure the growth and continuity.

This paper is centered on the concept of Takaful insurance and the concept of efficiency.

The aim of this research in the practical side is to measure and analyze the efficiency of some Takaful insurance companies, and to compare them with some commercial insurance companies in the Malaysian market in 2011, 2012 and 2013.

The study used premiums and investment incomes as outputs and management costs and commissions as inputs, and applied the input-oriented DEA model (CCR-I and BCC-I), using the method of data envelopment analysis.

The results summarized in the Takaful insurance companies are weak compared with those of traditional companies; because they did not achieve the degree of efficiency 1 in constant returns to scale model, while the two of them achieved efficiency ratio 1 in variable returns to scale model; means they better use their resources, and there is no unjustified cost.

And it remains to these companies to attain the optimum size of activity in order to benefit from economies of scale.