The Reality of Tunisian Insurance Sector development: Organizational Structure

Mohamed Iheb Hathat and Ahmed Hessen Abdelaal Amar
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Mohamed Iheb Hathat: School of Insurance and Economics, University of International business and economics (UIBE), Beijing, China.
Ahmed Hessen Abdelaal Amar: PhD student at University of International Business and Economics (UIBE), Beijing, China. &Â Assistant lecturer, Assiut University, Egypt.

International Journal of Science and Business, 2024, vol. 40, issue 1, 19-49

Abstract: This study explores the development of the Tunisian insurance sector, focusing on its organizational structure. Through a mixed-methods approach, the research examines the historical evolution, regulatory impacts, and structural changes. Findings indicate that late 20th-century liberalization policies increased competition and product diversity while adopting advanced regulatory frameworks like Solvency II enhanced risk management and financial stability. Strategies and innovations have improved service delivery and operational efficiency, and decentralized organizational structures have boosted agility and market responsiveness. However, market concentration and regulatory enforcement challenges persist, limiting the sector's full potential. This study provides valuable insights for policymakers, industry professionals, and investors in the Tunisian insurance market.

Keywords: Tunisian insurance sector; organizational structure; market liberalization; regulatory frameworks; risk management; operational efficiency; market concentration (search for similar items in EconPapers)
Date: 2024
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