In insurance and related industries including healthcare, it is common to have several outcome measures that the analyst wishes to understand using explanatory variables. For example, in automobile insurance, an accident may result in payments for damage to one’s own vehicle, damage to another party’s vehicle, or personal injury. It is also common to be interested in the frequency of accidents ...

In addition to its primary role of providing financial protection for other industries the insurance industry also serves as a medium for fund mobilization. In spite of the harsh economic environment in Nigeria, the insurance industry has been crucial to the consummation of business plans and wealth creation.  However, the continued downturn experienced by many countries, in the last decade, se...

theoretically and empirically, it has been often argued that production uncertainty affects the farmers’ production efficiency. insurance can play an impactful role in reducing the uncertainty and, consequently, increasing the investment. using multilevel models, we examined the effect of agricultural insurance programs on investment in the agricultural sector of khorasan razavi province. the c...

gy to reduce the number of uninsured is a matter of debate, much of which hinges on the impact on the insurance market. Specifically, will these plans create a new coverage alternative for uninsured individuals or simply crowd-out those who previously had comprehensive health insurance? The Commonwealth Fund concluded that the loss of certain benefits or substantial increases in deductibles rep...

The paper provides a critical review of empirical studies on IMF induced moral hazard. Taken together, there is considerable evidence that the insurance provided by the Fund leads to moral hazard with investors in bond markets. Although less frequently investigated, there is also evidence that debtor governments’ policies are negatively influenced by the insurance. Their policies are more expan...

The complete AIF cDNA comprising the amino-terminal mitochondrial localization sequence (MLS) and the oxidoreductase domain has been fused in its carboxyl terminus to enhanced green fluorescent protein (GFP), thereby engineering an AIF-GFP fusion protein that is selectively targeted to the mitochondrial intermembrane space. Upon induction of apoptosis, the AIF-GFP protein translocates together ...