Author: Dr Huda Yousif Khattab

Abstract: The research aims to present Takaful insurance as a tool of development and economic and social prosperity and based on the importance of research in this field to serve Takaful insurance in the State of Sudan. The hypothesis of the research showed that there is a statistically significant relationship between Takaful insurance and the competitive advantage by applying to Shikan Company, as the study was based on some of the previous studies to link between the role of Takaful insurance and competitive advantage. The second topic discussed what is Takaful insurance and its importance and the most important definitions for this field after The researcher demonstrated the importance of competitive advantage and its role in achieving high growth in productivity and how to have sufficient flexibility to meet changes in consumer tastes and needs. The third topic deals with the analytical aspect based on the work of a percentage of statistical questionnaires according to the (SPASS) program, and the result was confirmation of the validity of the hypothesis. The interface that reflects the credibility of the insurance company. In the end, the researcher clarified the recommendations, the most important of which is introducing the science of insurance in general and Takaful in particular in the various educational stages. DOI: Takaful Insurance And Their Technicality In Achieving Competitive Advantage By Applying To Chican Insurance And Reinsurance Co., Ltd. For The Period 2016-2019

Abstract: This research dealt with the role of distribution of insurance surplus in the strength of competition between insurance companies. Moreover, the study problem was represented in the following question: What is the role of insurance surplus distribution in the strength of competition between insurance companies? The aim is to identify the process of distributing the insurance surplus, as well as the party entitled to the insurance surplus, and to identify the extent of the impact of the mechanisms for distributing the insurance surplus on the competitiveness of insurance companies. The researcher used the descriptive analytical approach, and the study brought about a number of findings and recommendations, the most important of which are: It became clear through the study that the insurance surplus represents an increase in collection and not a profit, and it is the exclusive property of the insured and not of the company. Those in charge of Islamic insurance companies should act on the insurance surplus in the interest of the insured and not take anything from it so that the insurance surplus remains a landmark that distinguishes Islamic insurance companies from their counterparts from commercial insurance companies. DOI: The Role Of Insurance Surplus Distribution In The Intensity Of Competition Among Insurance Companies (A Case Study Of The Iraqi Insurance Company From 2006 To 2020)

Abstract This study dealt with the role of distributing the insurance surplus on underwriting in Sudanese insurance companies. The problem of the study is represented in answering the questions that revolve around the role of distributing the insurance surplus on underwriting, and the extent to which distributing the insurance surplus to the insured contributes in reducing the actual value of subscriptions. These questions include: To what extent does the distribution of the insurance surplus to policyholders reduce the fabricated accidents that in turn affect the underwriting, and what is the role of distributing the insurance surplus on underwriting in Sudanese insurance companies? The aim is to identify the distribution of the insurance surplus and the concepts associated with it. It is also to highlight the subscription and the concepts associated with it, as well as to identify the role of insurance distribution surplus in underwriting. The researcher used the descriptive analytical approach. The results show that there is a statistically significant relationship between the distribution of the insurance surplus and the total written premiums. It is also found that underwriting avoids or minimizes risks against the interests of the insurance company. Moreover, distribution of the insurance surplus develops a good behavior of policyholders towards maintaining the insured things. The researcher recommends the necessity to reduce the actual value of the contributions to the company and to work on the principle of distributing the insurance surplus to the insured. Moreover, those in charge of the insurance order should work to increase the market share of the insurance companies. They should also work to increase the subscription of insurance companies by distributing surplus insurance to policyholders DOI: https://scholarexpress.net/index.php/wbml/article/view/1112