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Full-Text Articles in Business

Diversification In The Cigarette Industry In The 1980'S, Hector Alonso Jan 1988

Diversification In The Cigarette Industry In The 1980'S, Hector Alonso

Master's Theses

This study is a comparative analysis of the diversification strategies of the six domestic cigarette manufacturers in the 1980' s. It uses financial analysis to look at how the different cigarette manufacturers have invested the cash generated by the tobacco businesses, and how the companies rank in terms of their ability to generate profits and stockholder wealth in non-tobacco businesses.

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The Problem Of Compulsory Insurance For Buildings Under Construction, Abdelkader El Araari Jan 1988

The Problem Of Compulsory Insurance For Buildings Under Construction, Abdelkader El Araari

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

This study examines the legal and practical difficulties of compulsory insurance in the construction sector, focusing on buildings under construction. It discusses the rationale and social importance of such insurance, reviews the relevant legal framework, and highlights obstacles to effective implementation, before proposing avenues for reform.

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Reflections On Marine Insurance In Morocco: Claims Settlement Practice For Hull And Cargo Policies, Hamid Besri Jan 1988

Reflections On Marine Insurance In Morocco: Claims Settlement Practice For Hull And Cargo Policies, Hamid Besri

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

Drawing on Moroccan practice, this paper reviews marine insurance and focuses on how claims are handled and settled under hull and cargo policies. It outlines the main stages of adjustment (notification, expertise, valuation and settlement), and discusses recurring difficulties related to documentation, causation, and quantification of loss. The analysis highlights the interaction between local market practice and international standards, including reinsurance arrangements.

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The Position Of Islamic Jurists On The Commercial Insurance Contract, Mohamed Jouhar Jan 1988

The Position Of Islamic Jurists On The Commercial Insurance Contract, Mohamed Jouhar

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

This paper examines how Islamic jurists have approached the commercial insurance contract, focusing on its legal characterization and the main doctrinal arguments advanced for prohibition or permissibility. It discusses key issues such as uncertainty (gharar), usury (riba) and gambling-like elements (maisir), and reviews the reasoning used to reconcile modern insurance with classical contract categories. The article also highlights alternative models, including cooperative/takaful arrangements, as responses to these debates.

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The Role Of Insurance Law In Accident Prevention, El Haji Benasser Jan 1988

The Role Of Insurance Law In Accident Prevention, El Haji Benasser

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

This article argues that insurance law is not only a mechanism for compensation but can also play a preventive role by influencing behavior through incentives and contractual/regulatory tools. It discusses premium-based mechanisms (bonus–malus, deductibles, exclusions), information duties, and public regulation aimed at reducing accident frequency and severity. The paper also addresses limits such as moral hazard and suggests ways to strengthen prevention-oriented insurance policy.

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The Solvency Of Insurance Companies, Zolikhia Nasri Jan 1988

The Solvency Of Insurance Companies, Zolikhia Nasri

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

This article explains why solvency is central to the insurance business and clarifies the main components used to assess it: premium/pricing adequacy, the constitution of reserves (technical provisions), the assets backing those provisions, and own funds. It also discusses the role and limits of supervisory control in ensuring insurers remain able to meet their obligations.

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Compensation For Permanent Physical Disability And Related Damages Of Motor Vehicle Accident Victims (Dahir Of 2 October 1984), Abdallah Khial Jan 1988

Compensation For Permanent Physical Disability And Related Damages Of Motor Vehicle Accident Victims (Dahir Of 2 October 1984), Abdallah Khial

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

Focusing on Moroccan rules on motor-vehicle accidents, the article explains how courts and experts assess permanent disability and additional heads of damage (economic loss and physiological harm). It discusses expertise procedures and the use of reference scales in quantifying compensation.

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Synthesis Report, Larbi Ben Othmane Jan 1988

Synthesis Report, Larbi Ben Othmane

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

This synthesis report summarizes the main ideas discussed during a three-day colloquium on insurance in Morocco. It highlights key conceptual issues (risk, loss, forecasts, pooling, mutuality and indemnification), and outlines major legal, economic and social questions raised by participants.

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Opening Address By The Minister Of Finance, Mohamed Berrada, Mohamed Berrada Jan 1988

Opening Address By The Minister Of Finance, Mohamed Berrada, Mohamed Berrada

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

Opening remarks delivered at a conference on insurance law and practice, emphasizing dialogue between academia, practitioners, and public administration. The speech underlines insurance’s growing role in economic and social life and the value of aligning legal rules with practical realities.

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Opening Address By The Dean Of The Faculty, Mohamed Benani Jan 1988

Opening Address By The Dean Of The Faculty, Mohamed Benani

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

In this opening address, the Dean welcomes participants and frames the objectives of the scientific meeting devoted to insurance and its legal and practical dimensions. The speech emphasizes dialogue between academics and practitioners and encourages the exchange of experience and expertise.

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Address By The Minister Of National Education, Mohamed El Hilali Jan 1988

Address By The Minister Of National Education, Mohamed El Hilali

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

This address underlines the growing complexity of modern life and the rise of risks (accidents, disability, illness and old age), arguing that insurance is essential for protecting people and supporting economic activity. It recalls key features of the development of insurance in Morocco and calls for updated legal rules and modern regulation to strengthen the sector’s economic and social role.

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Legal Protection Insurance As A Pathway To Access To Justice, Henri Margeat Jan 1988

Legal Protection Insurance As A Pathway To Access To Justice, Henri Margeat

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

The paper presents legal protection insurance as a practical mechanism to help individuals and firms access legal advice, representation, and litigation services. It discusses its evolution and the challenges of managing conflicts of interest and controlling costs.

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Fraudulent Loss Declarations In Property Insurance, Roger Bout Jan 1988

Fraudulent Loss Declarations In Property Insurance, Roger Bout

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

The study analyzes fraudulent claims in property insurance, distinguishing between invented losses and distorted declarations. It examines the legal consequences for coverage and discusses the balance between contractual sanctions and penal liability.

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Introductory Report, Azeddine Kettani Jan 1988

Introductory Report, Azeddine Kettani

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

This introductory report provides a historical overview of insurance and insurance law in Morocco, from the protectorate period to post-independence reforms. It discusses the expanding role of insurance in economic development, the structure of the insurance market, and key challenges for regulation and modernization.

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The Obligation To Declare The Shipment In The Floating Policy, Ahmed Al Yousfi Al Barqi Jan 1988

The Obligation To Declare The Shipment In The Floating Policy, Ahmed Al Yousfi Al Barqi

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

This article examines the duty of disclosure of each shipment under a floating (open) insurance policy. It clarifies why accurate declaration is essential to define the insured subject-matter, calculate the premium, and avoid disputes at the time of claim.

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Is The Environment Insurable? Pollution Risks And Insurance Uncertainties, Mohamed Ali Mekouar Jan 1988

Is The Environment Insurable? Pollution Risks And Insurance Uncertainties, Mohamed Ali Mekouar

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

This article explores whether environmental and pollution-related losses can be effectively insured. It reviews the specific nature of environmental damage, the difficulties of pricing and defining the risk, and the limits of traditional insurance responses.

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Taxation Of Insurance, M. Tahiri Jan 1988

Taxation Of Insurance, M. Tahiri

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

This paper outlines the fiscal framework applicable to insurance companies and insurance activities, distinguishing between general corporate taxation and taxes specific to the insurance industry and insurance contracts. It reviews the main indirect taxes and levies affecting premiums and operations, and discusses their economic impact on market development. The contribution concludes with incentive-oriented proposals designed to support sector growth while safeguarding public revenues.

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Motor Insurance: Compensation Of Road Accident Victims, Yvonne Lambert-Faivre Jan 1988

Motor Insurance: Compensation Of Road Accident Victims, Yvonne Lambert-Faivre

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

This comparative note reviews reforms concerning compensation of road accident victims, contrasting approaches in Morocco and France. It highlights the objectives of special compensation schemes and the practical issues of their application alongside general tort law.

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The Insurance Operation, Mohamed Kamal Chaoui Jan 1988

The Insurance Operation, Mohamed Kamal Chaoui

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

The article introduces the insurance operation as a contractual mechanism based on risk pooling and mutuality. It outlines the role of premiums, the organization of insurers, and the importance of regulatory rules to protect policyholders and ensure sound management of funds.

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Supervision Of Insurance Operations In Morocco, Hassan Ouazzani Chahdi Jan 1988

Supervision Of Insurance Operations In Morocco, Hassan Ouazzani Chahdi

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

This paper discusses why the supervision of insurance undertakings is essential for policyholder protection and market stability. It describes the specificities of insurance operations and the main objectives and instruments of state oversight in Morocco.

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An Attempt To Define The Insurance Contract In The Light Of Muslim Law, Drissi Alami Jan 1988

An Attempt To Define The Insurance Contract In The Light Of Muslim Law, Drissi Alami

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

The article revisits the notion of the insurance contract through the lens of Muslim law, reviewing key doctrinal debates and the conditions under which insurance may be considered acceptable. It proposes conceptual clarifications to reduce confusion between legal-religious prescriptions and practical insurance arrangements.

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Comparative Study Of Hull And Cargo Policies Offered By The Marine Insurance Market, Hassania Cherkaoui Jan 1988

Comparative Study Of Hull And Cargo Policies Offered By The Marine Insurance Market, Hassania Cherkaoui

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

This comparative study examines hull and cargo policy wordings and the main coverage options offered by the marine insurance market. It identifies the specificities of maritime risks, reviews covered events, exclusions and warranties, and discusses how different combinations of clauses allocate responsibilities between insurer and insured. The paper also considers the adaptability of policy forms to the Moroccan market and maritime trade needs.

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Health Risk: Complementarity Of Social And Private Insurance, Denis-Clair Lambert Jan 1988

Health Risk: Complementarity Of Social And Private Insurance, Denis-Clair Lambert

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

This contribution compares the weight of healthcare spending and coverage models in industrialized countries and developing contexts, with a focus on how financing constraints affect access to care. It discusses complementarities and tensions between compulsory social insurance schemes and private insurance, including issues of equity, risk selection, and cost containment. The article identifies policy directions to expand protection while preserving solidarity and financial sustainability.

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Automobile Guarantee Fund, Mohamed Cherkaoui Jan 1988

Automobile Guarantee Fund, Mohamed Cherkaoui

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

The article presents the Moroccan Automobile Guarantee Fund, its legal basis, governance and funding mechanisms. It details the scope of indemnification provided to victims of road accidents when the liable party is unknown, uninsured or insolvent, and explains the procedural steps required to obtain compensation. The paper also discusses the Fund’s intervention in proceedings and its right of recourse against responsible parties.

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The Concept Of Carrier Documents And Their Impact On Insurance, Abdellatif Hidayatallah Jan 1988

The Concept Of Carrier Documents And Their Impact On Insurance, Abdellatif Hidayatallah

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

This study clarifies the legal notion of carrier documents (such as bills of lading and consignment notes) and explains their functions in transport operations. It then examines how these documents affect insurance relationships, including the allocation of risk, the evidentiary framework for claims, and the exercise of subrogation rights against carriers. The article emphasizes the practical consequences of documentary accuracy and negotiation on coverage and indemnification.

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The New System For Compensation For Road Traffic Accidents In Light Of Three Years’ Experience, Abdelaziz Benani Jan 1988

The New System For Compensation For Road Traffic Accidents In Light Of Three Years’ Experience, Abdelaziz Benani

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

Based on a three-year implementation period, this article analyzes the new compensation system for road traffic accidents, its objectives, and the practical challenges observed in adjudication and settlement. It discusses the effects of rising claims on insurers and courts, and reviews the mechanisms introduced to streamline compensation and reduce delays. The paper concludes with recommendations to improve efficiency, consistency in damages assessment, and victim protection.

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On Alternative Strategies For Doing Research In The Management And Social Sciences, Arnold Reisman Jan 1988

On Alternative Strategies For Doing Research In The Management And Social Sciences, Arnold Reisman

Research Reports from the Department of Operations

This paper delineates the various strategies for pursuing research in the management and the social sciences. The potential benefits as well as risks to both the state of knowledge and to the researcher are discussed for each of the strategies delineated.

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Quality Control Of An Unreliable Random Fms: With Bernoulli & Csp Sampling, Charles S. Tapiero, Lie-Fern Hsu Jan 1988

Quality Control Of An Unreliable Random Fms: With Bernoulli & Csp Sampling, Charles S. Tapiero, Lie-Fern Hsu

Research Reports from the Department of Operations

This paper provides a set of recursive equations for computing the AOQ's (average outgoing quality) of an unreliable random FMS (flexible manufacturing system). The FMS is described using Whitt's approximation to a network of GI/G/S queues. Relationships between the operating and quality manufacturing characteristics of the FMS are found. Numerical examples are provided and the impact of outgoing quality variability on location of inspection in an FMS is discussed. This latter topic is left for further research however.

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A Bayes Approach To Quality Control Of An M/G/1 Job Shop Queue, Lie-Fern Hsu, Charles S. Tapiero Jan 1988

A Bayes Approach To Quality Control Of An M/G/1 Job Shop Queue, Lie-Fern Hsu, Charles S. Tapiero

Research Reports from the Department of Operations

This paper provides a Bayes approach for the quality control of a job-shop process which is defined by an M/G/1 queue. An inspection procedure which is jointly optimal from the process operational characteristics and quality control perspectives is found using a queue-inspection renewal cycle analysis (with overall expected profit per unit time as the optimization objective). Extensive numerical results are obtained, highlighting the relationships between quality control and (queueing-like) job shop management.

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Achieving An Advantage With Countertrade, Arnold Reisman, Duu-Cheng Fuh, Gang Li Jan 1988

Achieving An Advantage With Countertrade, Arnold Reisman, Duu-Cheng Fuh, Gang Li

Research Reports from the Department of Operations

This paper discusses the various formats of Countertrade, a modern outgrowth of ancient Barter. It presents a taxonomy for classifying the ways Countertrade is conducted. It delineates the advantages to the trading partners depending on the respective levels of economic development in their home countries. It discusses the process of Countertrade broadly enough to encompass each of the Countertrade formats. It addresses issues of product bundling and develops quantity ranges within which a trade will be profitable to both sides, assuming that comparative advantage is enjoyed by the trading partners in their respective product lines. Lastly, the paper discusses some …

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