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World InsuranceThe Evolution of a Global Risk Network$
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Peter Borscheid and Niels Viggo Haueter

Print publication date: 2012

Print ISBN-13: 9780199657964

Published to Oxford Scholarship Online: September 2012

DOI: 10.1093/acprof:oso/9780199657964.001.0001

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Maghreb: Naturalizing Insurance in Algeria, Morocco, and Tunisia

Maghreb: Naturalizing Insurance in Algeria, Morocco, and Tunisia

(p.373) Chapter 16 Maghreb: Naturalizing Insurance in Algeria, Morocco, and Tunisia
World Insurance

Samir Saul

Oxford University Press

For decades, insurance addressed the European enclave communities in North Africa and general principles were adapted to their circumstances. An appendage of Europe's market, the North African market had an international character. However, it remained narrow, its growth constrained by the poverty of the majority of the population. With decolonization, insurance, like other sectors of the economy, passed into the hands of local actors who endeavoured to indigenize it, give it a national character, and accustom the population to its use with the result that pre-independence conditions and practices would adapt to new realities. The insurance market became less international but better implanted. This chapter discusses how insurance fared under its original European customers and how it was acclimatized to the national environment. Covering more than a century of history in three countries — Algeria, Morocco, and Tunisia — it is constructed around the internationalization/nationalization dichotomy. Each of the three parts focuses on specific turning points in the transformation of an international but exogenous business activity to a national economic sector.

Keywords:   insurance industry, insurance history, North Africa, insurance market

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