An Analytical Study of Ship Hull Insurance in the Liquidity and Profitability of the National Insurance Company
The sea is of paramount importance in the life of man and peoples. Since ancient times, it has represented a tool for communication between nations, a link for civilizational meeting between them, and a source of sustenance. Man’s need and interest in exploiting this wealth moves his curiosity and ambitions to think and search for means that contribute and help in expanding the scope of maritime exploitation and consolidating relations between countries more and more. The maritime field was among the important areas touched by industrial and technological development, especially in the field of maritime transport, which led to the emergence of giant ships capable of embarking on sea voyages and thus moving foreign trade in a positive way.
The aim of the research is to know the extent to which ship hull insurance is related to the liquidity and profitability of the National Insurance Company, and where the main research problem is manifested in the extent to which ship hull insurance is linked to the liquidity and profitability of the National Insurance Company.
Only the research relied on the questionnaire as a tool for all data and information from the sample of 64 and those who have responsibility are (General Director, Department Director, Division Officer, Unit Officer) and the statistical program was used spss 21 in the calculation standard deviation, simple linear regression, testF ) R² (.
The conclusions reached by the research are the evaluation of the degree of risk surrounding the ship and the evaluation of the degree of classification in the classification record is based on which the insurance price for the structures of marine vessels is determined, which shows that the degree of risk varies up and down according to the type of ship, origin, shipping lines, and the experience of the crew and the master. The results of the study also showed the existence of a strong correlation between the liquidity variable and profitability in the respondents' response to the research sample in the National Insurance Company, as there is no profitability without the presence of liquidity and good liquidity expresses the company's ability to meet the payment of its obligations.
(*) An extracted thesis, which is part of the requirements for obtaining a higher diploma equivalent to a master’s degree.
There are also a number of recommendations, including; Adoption of a unified plan for all insurance branches. To measure the liquidity risk in order to ensure that the company is protected from bankruptcy or its exit from the insurance market in the event of a financial crisis again.
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