ABIODUN EMMANUEL KEHINDE

Insurance

At the Insurance department office

Appointment on Visitation important

Topic: Underwriting Operations And Financial Performance: Evidence From Non-Life Insurance Firms In Nigeria

Description: This study investigated the relationship between underwriting operations and the performance of non-life insurance firms in Nigeria. Specifically, the study examined the combined metrics of claim ratio, insurance premium, and re-insurance claims on the return on assets using the non-life insurance firms as bases in Nigeria. The study engaged data within the period of 2011-2020 extracted from the financial statements of five selected non-life insurance firms and analysis of data was conducted with a panel regression procedure. The result showed that insurance premium had a positive significant effect on return on asset, while re-insurance claim and claim ratio had positive but insignificant effect on return on asset. Therefore, this study concluded that underwriting operations contribute to the performance of non-life insurance firms in Nigeria. Hence, this study recommended that non-life insurance firms should put more effort into harnessing strategies and resources that enhances insurance premium in order to improve financial performance.

#	Certificate	School	Year
1.	M.Sc (RISK MANAGEMENT & INSURANCE)	UNIVERSITY OF LAGOS.	2019

PSYCHOMETRICS, RISK PERCEPTIONS, AND TRAVEL BEHAVIOUR: EMPIRICAL EVIDENCE FROM SELECTED MOTORISTS IN LAGOS STATE, NIGERIA

ABSTRACT Perceived risk perceptions and psychometrics of motorists are key instruments in their travel mode. The behavioural dispositions of the traveling motorists are essential to measuring their travel cost, distance and time at any given journey. This study investigated the nexus between psychometrics, risk perception, and travel behaviour of selected motorists in Lagos State, Nigeria. Using the survey approach cum the multiphase sampling techniques which comprised of purposive and convenience, data were gathered through a structured questionnaire from the selected registered motorists. The sample size of two hundred and eighty-nine 289 was estimated.The data analytical techniques employed were descriptive statistics and inferential statistics.The findings revealed positive relationships among psychometrics, risk perceptions, and travel behaviour of selected motorists in Lagos State. The study concluded that motorists psychometrics and risk perceptions influenced their travel behaviour in Lagos State. The study recommended that traffic regulators should adopt psychometrics assessments in a bid to identify high risk motorists and provide them with specialised training that addresses their specific psychological tendencies. However, government and other transport stakeholders should encourage motorists to collaborate with traffic officers so as to minimise road traffic accidents regularly. This study contributes to literature, knowledge, and theoretical gaps; since it provided more conceptual clarifications, theoretical background and infusion of expert knowledge approach. Keywords: Psychometrics, Risk Perceptions, Travel Behaviours, Motorists, Nigeria

ABIODUN KEHINDE is a Assistant Lecturer at the Department of Insurance

ABIODUN has a M.Sc in RISK MANAGEMENT & INSURANCE from UNIVERSITY OF LAGOS.