Перегляд за Автор "Shirinyan, Lada"

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Application of prospect theory to microinsurance based on contingent valuation approach for poor population in Ukraine
(2023) Shirinyan, Aram; Shirinyan, Lada
This paper takes a behavioral economics approach and empirically tests if Prospect Theory can explain behavior of low-income people in Ukraine. The study uses the contingent valuation method due to direct inquiry of low-income people, in a survey, how much they would be willing to pay for insurance and to get back in case of an insurance event arising. This paper provides suggestive evidence that according to Prospect Theory poor individuals make decisions based on expectations of loss or gain from their current relative position and are more sensitive to losses compared to gains. The work also answers the question concerning the microinsurance: can microinsurance be a business proposition and provide value for low-income people at the same time? The results lead to the power-law distribution of potential clients according to the price of a microinsurance service. The obtained correlations help to formulate strategies to tap the low-income market in the country. Ця стаття використовує підхід поведінкової економіки та емпірично перевіряє, чи може теорія перспектив пояснити поведінку людей з низькими доходами в Україні. У дослідженні використовується метод контингентної оцінки за рахунок прямого опитування малозабезпечених людей, в ході опитування, скільки вони готові були б заплатити за страховку та отримати назад у разі настання страхового випадку. У цьому документі наводяться переконливі докази того, що згідно з теорією перспектив бідні люди приймають рішення, ґрунтуючись на очікуванні втрат або вигод від свого поточного відносного становища, і більш чутливі до втрат, ніж до вигод. Робота також відповідає на запитання щодо мікрострахування: чи може мікрострахування бути бізнес-пропозицією і водночас приносити користь людям з низькими доходами? Отримані результати призвели до степеневого розподілу потенційних клієнтів за ціною послуги мікрострахування. Отримані кореляції допомагають сформулювати стратегії виходу на ринок з низькими доходами в країні.
Impact of the insurance costs on the competitiveness of food industry enterprises of Ukraine in the context of the food market security
(2019) Shirinyan, Lada; Arych, Mykhailo
The study was carried out to analyze insurance costs and to determine the trends, patterns and impact of the insurance costs on the competitiveness of food industry enterprises in the context of the food market security. The theoretical background of the article is based on critical literature review of the insurance costs, food market security and competitiveness. The research study was used the methods of comparative, statistical analysis of data, systematization, scientific interpretation; generalizations and comparisons the indicators of market share and capacity, profitability and efficiency, insurance costs and correlation-regression analysis methods and indicators. The hypothesis about the existence of a dependence between the competitiveness of FIEs and the portion of money allocated to FIEs for insurance is confirmed only for FIEs with high efficiency of doing business.
Influence of Insurance on Competitiveness of Food Enterprises in Ukraine
(2021) Shirinyan, Lada; Arych, Mykhailo; Rohanova, Hanna
The paper is devoted to the analysis of the influence of insurance on key indicators of the activity of food industry enterprises (FIEs) from the viewpoint of use of insurance by the insurance market participants. The aim of the work is to analyze the relationship between insurance costs and indicators of efficiency and competitiveness of Ukraine's FIEs. Hypotheses concerning the propensity of FIEs with higher competitiveness to use insurance and influence of insurance on key indicators of FIEs activity have been formulated and tested. Economic-statistical analysis and correlation-regression analysis have been performed. The hypothesis about the existence of dependence between the competitiveness of FIEs and the portion of money allocated by FIEs for insurance is confirmed only for FIEs with high efficiency of business activity. Роботу присвячено аналізу впливу страхування на ключові показники діяльності підприємств харчової промисловості (ПХП) з позицій використання суб’єктів страхового ринку страхування. Аналіз підтверджує гіпотезу про те, що ПХП з більш високою конкурентоспроможністю є більш схильними до страхування. Гіпотеза про існування залежності між конкурентоспроможністю ПХП та частиною грошей, що виділяється ПХП на страхування підтверджується лише для ПХП з високою ефективністю ведення бізнесу.
Precondition on microinsurance in Ukraine: contingent valuation approach for poor population behaviour regarding insurance services (CASE STUDY)
(2019) Shirinyan, Lada; Shirinyan, Aram
The work represents the risk-behavioural aspects of finance and insurance related to low-income people in Ukraine and answers the main question concerning microinsurance: can microinsurance provide value for low-income people? The definition of microinsurance is presented. The study uses the contingent valuation method, as it used a survey to directly ask low-income people how much they would be willing to pay for insurance. The polling was performed in 2011-2013 and covered about 3000 people. It is found that Urban poor were found to prefer to have an annual microinsurance premium of less than 3% of the Minimal Ukrainian Salary (MUS) and the desired size of annual microinsurance coverage was found to be not less than the 3MUS microinsurance tariff, at a rate 1% of the desired insurance sum.
The investment attractiveness of the agricultural sector of Ukraine
(2018) Kulynych, Yurii; Shirinyan, Lada
The article provides an analyzed position of Ukraine in the basic ratings of the investment attractiveness and competitiveness, it has been defined key obstacles restraining the attraction of financial resources to the agro-industrial complex and suggested the ways of solving the main problems of the investment attractiveness of domestic agriculture.It has been evaluated the efficiency of the agrarian policy with the total support estimate of the agriculture (Total support estimate – TSE), defining the total amount of transfers which come from taxpayers and consumers. It has been analysed the volume and dynamics of capital investments into the agriculture during 2010-2017. The main drawbacks of the existing investment management system of agrarian enterprises in Ukraine have been determined. It has been proved that the high degree of processing the agricultural products requires not only financial investment, but also such investment as experience, technologies and advanced methods of conducting entrepreneurship. According to the research results there have been created suggestions for improving the investment climate in Ukraine, which will promote not only more openness of the Ukrainian economy, but also a complete inclusion of the Ukrainian agriculture to the global food security system.