چکیده:
Undoubtedly, consumption is an important factor in the economy and household welfare, and increasing items of household consumption expenditures will lead to an increase in total consumption and household welfare. Insurance is one of the household consumption items, nowadays; it is inevitable not to have an insurance policy in the household. Insurers are trying to increase the influence of insurance on households, in other words, they are looking to increase sales of their products among households. The estimates of this article using the data of household expenditure income of the Statistics Center of Iran in 2009-2010 show that demographic features are effective in the household expenditure pattern. As the variable of residence, the number of people with household literacy, age, gender and employment conditions of the head of the household play a role in consumption. The estimates of this article using the data of household expenditure income of the Statistics Center of Iran in 2009-2010 show that demographic features are effective in the household expenditure pattern. As the variable of residence, the number of people with household literacy, age, gender and employment conditions of the head of the household play a role in consumption.
خلاصه ماشینی:
Investigating the effectiveness of demographic variables on the household expenditure pattern with an approach to increasing insurance penetration Abolfazl Rahimi ** Hassanali Ghanbari Maman *** Reza Mohseni Abstract Undoubtedly, consumption is an important factor in the economy and household welfare, and an increase in household consumption expenditure items will lead to an increase in total consumption and household welfare.
Keywords: insurance, penetration rate, expenditure pattern, demographic variables JEL Classification: G22, D01 *Faculty member of the Faculty of Economics and Political Science, Shahid Beheshti University (Corresponding Author) ab_rahimi@sbu.
For this purpose, the present article, in the second section, while providing a general overview of the status of macro insurance and economic variables in Iran, will address the literature of the subject and the methodology in this field, and in the third section, while presenting a theoretical model, will refer to data and their trends in empirical models.
This article attempts to show the demographic parameters that exist in all the cases mentioned above and play a role in the behavior of the Iranian consumer, and paying attention to them can be effective in increasing insurance penetration as a commodity in the household expenditure pattern.
68-82, Rahimi, 2015) An equivalent scale for Iranian households with different demographic characteristics has been estimated by Khalaji, Raghafar, and Mohammadi (1386), and they have shown that these characteristics play an effective role in household expenditure.
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