The determinants and impact of short-term business insurance on SMEs in South Africa

 

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dc.contributor.advisor Bhorat, Haroon en_ZA
dc.contributor.author Rey, Angelique en_ZA
dc.date.accessioned 2015-01-15T08:58:25Z
dc.date.available 2015-01-15T08:58:25Z
dc.date.issued 2012 en_ZA
dc.identifier.citation Rey, A. 2012. The determinants and impact of short-term business insurance on SMEs in South Africa. University of Cape Town. en_ZA
dc.identifier.uri http://hdl.handle.net/11427/12192
dc.description Includes abstract. en_ZA
dc.description Includes bibliographical references. en_ZA
dc.description.abstract South Africa is a developing country riddled with high levels of unemployment. SMEs hire more than 50% of the workforce, and therefore adequate protection and support of these firms is crucial. The goal of this research is twofold: Firstly, to identify the determinants of business insurance take-up by SME owners. Secondly, to determine whether business insurance and firm performance are positively and significantly related. A probit model is used to determine the probability of business insurance take-up and a multiple regression is run to identify the effect of business insurance on firm performance. An IV is also run to control for potential endogeneity. Race, funeral and life insurance, education, personal income and size of the firm are key factors determining insurance take-up. Business insurance is found to be positive and statistically significant in both the OLS and IV regressions suggesting that business insurance improves the performance of SMEs. en_ZA
dc.language.iso eng en_ZA
dc.subject.other Economics en_ZA
dc.title The determinants and impact of short-term business insurance on SMEs in South Africa en_ZA
dc.type Master Thesis
uct.type.publication Research en_ZA
uct.type.resource Thesis en_ZA
dc.publisher.institution University of Cape Town
dc.publisher.faculty Faculty of Commerce en_ZA
dc.publisher.department School of Economics en_ZA
dc.type.qualificationlevel Masters
dc.type.qualificationname MCom en_ZA
uct.type.filetype Text
uct.type.filetype Image
dc.identifier.apacitation Rey, A. (2012). <i>The determinants and impact of short-term business insurance on SMEs in South Africa</i>. (Thesis). University of Cape Town ,Faculty of Commerce ,School of Economics. Retrieved from http://hdl.handle.net/11427/12192 en_ZA
dc.identifier.chicagocitation Rey, Angelique. <i>"The determinants and impact of short-term business insurance on SMEs in South Africa."</i> Thesis., University of Cape Town ,Faculty of Commerce ,School of Economics, 2012. http://hdl.handle.net/11427/12192 en_ZA
dc.identifier.vancouvercitation Rey A. The determinants and impact of short-term business insurance on SMEs in South Africa. [Thesis]. University of Cape Town ,Faculty of Commerce ,School of Economics, 2012 [cited yyyy month dd]. Available from: http://hdl.handle.net/11427/12192 en_ZA
dc.identifier.ris TY - Thesis / Dissertation AU - Rey, Angelique AB - South Africa is a developing country riddled with high levels of unemployment. SMEs hire more than 50% of the workforce, and therefore adequate protection and support of these firms is crucial. The goal of this research is twofold: Firstly, to identify the determinants of business insurance take-up by SME owners. Secondly, to determine whether business insurance and firm performance are positively and significantly related. A probit model is used to determine the probability of business insurance take-up and a multiple regression is run to identify the effect of business insurance on firm performance. An IV is also run to control for potential endogeneity. Race, funeral and life insurance, education, personal income and size of the firm are key factors determining insurance take-up. Business insurance is found to be positive and statistically significant in both the OLS and IV regressions suggesting that business insurance improves the performance of SMEs. DA - 2012 DB - OpenUCT DP - University of Cape Town LK - https://open.uct.ac.za PB - University of Cape Town PY - 2012 T1 - The determinants and impact of short-term business insurance on SMEs in South Africa TI - The determinants and impact of short-term business insurance on SMEs in South Africa UR - http://hdl.handle.net/11427/12192 ER - en_ZA


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