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

dc.contributor.advisorBhorat, Haroonen_ZA
dc.contributor.authorRey, Angeliqueen_ZA
dc.date.accessioned2015-01-15T08:58:25Z
dc.date.available2015-01-15T08:58:25Z
dc.date.issued2012en_ZA
dc.descriptionIncludes abstract.en_ZA
dc.descriptionIncludes bibliographical references.en_ZA
dc.description.abstractSouth 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.identifier.apacitationRey, 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/11427/12192en_ZA
dc.identifier.chicagocitationRey, 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/11427/12192en_ZA
dc.identifier.citationRey, A. 2012. The determinants and impact of short-term business insurance on SMEs in South Africa. University of Cape Town.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
dc.identifier.urihttp://hdl.handle.net/11427/12192
dc.identifier.vancouvercitationRey 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/11427/12192en_ZA
dc.language.isoengen_ZA
dc.publisher.departmentSchool of Economicsen_ZA
dc.publisher.facultyFaculty of Commerceen_ZA
dc.publisher.institutionUniversity of Cape Town
dc.subject.otherEconomicsen_ZA
dc.titleThe determinants and impact of short-term business insurance on SMEs in South Africaen_ZA
dc.typeMaster Thesis
dc.type.qualificationlevelMasters
dc.type.qualificationnameMComen_ZA
uct.type.filetypeText
uct.type.filetypeImage
uct.type.publicationResearchen_ZA
uct.type.resourceThesisen_ZA
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