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The determinants and impact of short-term business insurance on SMEs in South Africa
Includes abstract.
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| Main Author: | |
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| Other Authors: | |
| Format: | Thesis |
| Language: | English |
| Published: |
School of Economics
2015
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| _version_ | 1867614082971992064 |
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| access_status_str | Open Access |
| author | Rey, Angelique |
| author2 | Bhorat, Haroon |
| author_browse | Bhorat, Haroon Rey, Angelique |
| author_facet | Bhorat, Haroon Rey, Angelique |
| author_sort | Rey, Angelique |
| collection | Thesis |
| description | Includes abstract. |
| format | Thesis |
| id | oai:open.uct.ac.za:11427/12192 |
| institution | University of Cape Town (South Africa) |
| language | eng |
| last_indexed | 2026-06-10T12:46:23.889Z |
| license_str | Not specified — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UCTD — University of Cape Town Open Access Repository |
| publishDate | 2015 |
| publishDateRange | 2015 |
| publishDateSort | 2015 |
| publisher | School of Economics |
| publisherStr | School of Economics |
| record_format | dspace |
| source_str | UCTD — University of Cape Town Open Access Repository |
| spelling | oai:open.uct.ac.za:11427/12192 The determinants and impact of short-term business insurance on SMEs in South Africa Rey, Angelique Bhorat, Haroon Economics Includes abstract. Includes bibliographical references. 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. 2015-01-15T08:58:25Z 2015-01-15T08:58:25Z 2012 Master Thesis Masters MCom http://hdl.handle.net/11427/12192 eng application/pdf School of Economics Faculty of Commerce University of Cape Town |
| spellingShingle | Economics Rey, Angelique The determinants and impact of short-term business insurance on SMEs in South Africa |
| thesis_degree_str | Master's |
| title | The determinants and impact of short-term business insurance on SMEs in South Africa |
| title_full | The determinants and impact of short-term business insurance on SMEs in South Africa |
| title_fullStr | The determinants and impact of short-term business insurance on SMEs in South Africa |
| title_full_unstemmed | The determinants and impact of short-term business insurance on SMEs in South Africa |
| title_short | The determinants and impact of short-term business insurance on SMEs in South Africa |
| title_sort | determinants and impact of short term business insurance on smes in south africa |
| topic | Economics |
| url | http://hdl.handle.net/11427/12192 |
| work_keys_str_mv | AT reyangelique thedeterminantsandimpactofshorttermbusinessinsuranceonsmesinsouthafrica AT reyangelique determinantsandimpactofshorttermbusinessinsuranceonsmesinsouthafrica |