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Exigency of Innovation on Bureaucratic Quality and Non-life Insurance Penetration Nexus: A Panel Corrected Standard Errors Approach

Using panel data from 35 Sub-Saharan African economies (2009–2020), this study demonstrates that bureaucratic quality significantly enhances non-life insurance penetration, with innovation serving as a critical contingent factor that strengthens this relationship.

Original authors: Ahmed Hafiz Usman, Murtala Garba, Fauzilah Salleh, Norfadzilah Rashid

Published 2026-09-18
📖 1 min read☕ Coffee break read

Original authors: Ahmed Hafiz Usman, Murtala Garba, Fauzilah Salleh, Norfadzilah Rashid

Original paper licensed under CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/). This is an AI-generated explanation of the paper below. It is not written or endorsed by the authors. For technical accuracy, refer to the original paper. Read full disclaimer

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