يعد التأمين أحد المؤسسات المالية ذات التأثير على برامج التنمية ، وما زال قطاع التأمين يعاني من العديد من المشاكل منها الوعي أو التشريع أو كيفية توظيفه كمورد اقتصادي واجتماعي خدمة للمجتمع والمؤسسات والافراد. وحيث أن التأمين يقدم خدمة تستوجب التزامها بمواصفات محددة ، لذا أصبح من الضروري دراسة آليات تحسين جودة الخدمة التأمينية وكذلك دراسة واقع العملية التسويقية للخدمة التأمينية وما ينالها من تحديات داخلية أو خارجية، لذا تهدف هذه الدراسة الى تطوير أساليب تحسين جودة الخدمة في قطاع التأمين. ولغرض تحقيق البحث فقد تم اعتماد استبانة محكّمة تم توزيعها على الملاكات العاملة في شركة التأمين العراقية وبعد تحليلها بنظام (SPSS) ومناقشتها ، أظهرت الدراسة العديد من النتائج التي تشجع على إمكانية تحسين الجودة وذلك لوجود الامكانيات المختلفة فضلاً عن أنها شرط من المزايا التنافسية في ظل اقتصاد السوق، كما أن تحقيق الجودة في الخدمة سيحسّن الاداء ويقلّل من الوقت والجهد ، لذا تركزت التوصيات على ضرورة أن تأخذ الشركات بخطوات اجرائية وعملية في بناء منظومة للجودة والعمل على تهيئة متطلباتها والسعي الجاد لتقويم الاداء المستمر والتفاعل مع شركات التأمين العربية والعالمية للاستفادة من تجاربها.
Abstract
financial market occupy very important place in the economic activity all over the world countris, and its importance increased with considerable technological progress in the world of transportation ,communications and information where its impact have spread over the whole world, which led to link the international economy in a kind of international relations so that the open policy became the prevailing trend in national and regional economies within the framework of the new world order.
the international economy has faced the financial crisis, global, that hit all world economies although the United States is the center of the crisis and the starting spark for it w
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This study is concerned with the reality of total quality management and its role in achieving the excellence performance of the employees of the Institute of Technology / Baghdad, excellence performance is described by the extent to which the organization is able to invest the effort of the human resource to achieve its Objectives by adopting the principles of Total Quality Management (TQM) according to some of its basic dimensions in proportion to the reality and Possibilities Institute, the aim is to study to know the reality of total quality management ,and indicate the levels of excellence performance in the Institute of Technology / Baghdad,
... Show MoreThis study tackles the contribution of the environmental audit in achieving the sustainability of the environmental balance in the Sudanese business environment. The study aimed at clarifying the role of environmental auditing in supporting sustainable development, and to recognize the role of environmental audit in urging businesses to abide by environmental protection. It also shows how effective the environmental audit reports are, in providing the reliable data for the concerned authorities, in order to use it in making the decisions that would help in the sustainability of the environmental balance. To achieve the goals of the study, a questionnaire was developed and distributed to the registered chartered accountants in Sud
... Show MoreThat is feared we frequent urgent calls from Islamic scholars and leaders of the Muslim faithful to their religion and nation to a culturally، economically، politically and militarily Muslim communities، in response to the call of the divine stones in the sit-rope of God and taking the greatest causes of strength and stamina، pride and empowerment، and did not bear fruit this repeated calls only sham gatherings and links formality not have the effect of rewarding challenges، and it was one of the greatest causes of failure that impact the absence of a proper understanding of the basis of the Islamic Alliance، and lack of consensus on the Thoroughbred clear vision of Islamic unity
In research it is an important phonemic change for the speaker to reach Ease and lightness ,wich is the kinetic follow-up , and we tried to collect the scattered matter in the various dialects
This research Sought to Determine the Relationship and impact between the tax knowledge in dimensions of the tax compliance costs (monetary costs, time costs, psychic costs) Since the sample included 81 individuals represented by the Executive directors and Financial and Accountant working in the Joint-stock company, A questionnaire was used as a tool for data collection and its analysis. For the purpose of analyzing the research data the statistical package for social science, SPSS. The most important tools used in the statistical analysis are:(standard deviation, and simple linear regression, percentages, arithmetic mean, Cronbach's alpha, F-test, T- Test). The research found a weakness attenti
... Show MoreThis research deals with the study of pathways in terms of the negative effect in proving them
And the fact of this influence among fundamentalists.
The research consists of two subjects and a conclusion.
In the first section, I learned about the terms in the title of the research:
Denial and pathology.
In the second section I reviewed the pathways of illness that affect exile in it
Five: the nodding, the fitting, the sounding, the division, the rotation, the inference
A description of the absence of evidence of non-reference to it. And I figured out how
Negation in it by striking some illustrative examples as fruit
Arising from the effect of negation in proving those routes.
As a result of this research, a
In research it is an important phonemic change for the speaker to reach Ease and lightness ,wich is the kinetic follow-up , and we tried to collect the scattered matter in the various dialects.
it is studied with the ancient and modern Showing the occurrence of this term between both sides Then we clarified the phoneme explanation for this phenomenon
There are many opinions about modern political thoughts for future , trying to draw a map of strong powers in the world and one of these thoughts is the conflict with civilizations. Both of these phenomena search for future and western civilization. It is important to mention that Islamic civilization has special place and clear effect through its conditions.