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All Journal Sharia Oikonomia Law Journal
Habtamu Alebachew Legass
Sakarya University

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Factors Affecting Consumer Behavior Toward Purchasing Motor Insurance Policy in the Case of Selected Insurance Companies in Ethiopia Habtamu Alebachew Legass; Aragaw Seid
Sharia Oikonomia Law Journal Vol. 2 No. 1 (2024)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55849/solj.v2i1.729

Abstract

This study examines the factors influencing consumer behavior in motor insurance policy purchases. It investigates the impact of demographic, cultural, social, economic, marketing, and psychological factors on consumer behavior. The research follows a quantitative approach, employing an explanatory and descriptive research design. Convenience sampling was used to select 384 respondents from a pool of 9,657 motor insurance policy users in Dessie Town, specifically from Awash, Global, Nib, and Nyala Insurance Companies. Data was collected through a questionnaire and analyzed using descriptive statistics and inferential analysis techniques such as t-tests, correlation, multiple linear regression, and one-way ANOVA. After the data collection, coding, recording, and analysis via SSPS 23 software. The findings indicate that demographic factors like age, gender, education, and religion do not significantly influence consumer behavior in purchasing motor insurance policies, except for income. However, variables such as attitude, awareness, perceived risk, and premium demonstrate a moderate relationship with consumer behavior. Regression analysis reveals that, except for attitude, the independent variables of awareness, perceived risk, and premium positively and significantly impact consumer behavior in motor insurance policy purchases.
Urbanization and its Effects on Environment and Socio-economic Sustainability; Evidence from Dire Dawa, Ethiopia Dawud Chane Mekonnen; Habtamu Alebachew Legass
Sharia Oikonomia Law Journal Vol. 2 No. 4 (2024)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v2i4.1748

Abstract

The impact of urbanization on environmental sustainability is a critical issue that requires careful planning and management to ensure positive outcomes. This study aims to assess the effects of urbanization on urban environmental sustainability. A descriptive research design was employed to achieve this objective. Out of nine urban kebeles, five were purposively selected based on their relevance to the study. The sample size consisted of 394 respondents selected from a total target population of 29,932. Both primary and secondary sources of data were utilized, including questionnaires, interviews, observations, and document reviews. Data analysis involved the use of percentages, frequencies, diagrams, and charts. The findings revealed that rural-urban migration was a primary driver of urbanization, leading to rapid urban growth and associated challenges. Sustainable urban development initiatives were found to be inadequately implemented, resulting in the overconsumption of natural resources, improper waste disposal, and deforestation. While urbanization brought positive effects such as job opportunities and improved infrastructure access, negative consequences like informal settlements, crime, and high living costs were also evident. The study highlighted a lack of government focus on urban sustainability, emphasizing the need for increased agricultural development in rural areas to curb migration. Recommendations included stricter enforcement of laws, community training on environmental conservation, and the implementation of sustainable practices such as tree planting and waste recycling. Encouragingly, supporting underprivileged communities to improve their livelihoods was also advised to enhance overall urban sustainability.
Co-Authors Aragaw Seid Dawud Chane Mekonnen