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Т
СПЕПЦВСЫ
240
Table 2
Assessment of opportunities and threats to the external environment of the insurance company PJSC JSIC «INGO Ukraine»
№
Component
The weight of
the factor
Influence on the
subject of the
insurance company
Direction of
influence
The level of
importance of the
factor
MACRO ENVIRONMENT
1. Demographic
1.1
Population
3
3
+
+9
1.2
Location of the population in the
country (region)
2
1
+
+2
1.3
Migration trends
2
2
+
+4
1.4
Age structure
2
2
+
+4
1.5
Birth rate/mortality
2
2
—
—4
2. Economic
2.1
Purchasing power of the population
2
2
—
—4
2.2
Inflation rate
3
3
—
—9
2.3
Financial and credit policy in the
country
2
2
—
—4
2.4
General economic situation
2
2
—
—4
2.5
Taxation system
2
2
—
—4
2.6
Elasticity of demand
2
2
+
+4
3. Technological
3.1
Innovative potential of the industry
2
3
+
+6
4. Political and legal
4.1
The state of the legislation governing
insurance activities
1
3
—
—3
4.2
State economic policy
2
2
—
—4
5. Socio-cultural
5.1
Features of the prevailing traditions
and beliefs in society
1
0
—
0
5.2
Educational level
2
2
—
—4
5.3
People’s attitude to work
2
3
+
+6
Total impact
—5
MEASURANCE
1. Competitors
1.1
Industry competitors
3
3
—
—9
1.2
Insurance substitutes
2
2
—
—4
1.3
Potential competitors
2
2
—
—4
2. Buyers
2.1
Geographical location
3
2
+
+6
2.2
Demographic characteristics
2
2
+
+4
2.3
Socio-psychological characteristics
2
2
+
+4
2.4
The buyer’s attitude to the insurance
product
1
2
+
+2
2.5
Guarantee of quality of goods
2
2
+
+4
Total impact
+3
1/2021
241
Table 3
The main factors of the internal environment that affect the financial and economic condition of the insurance company
JSIC «INGO Ukraine»
№
Component
Characteristic
1. Marketing
1.1 Products (services) provided
by the insurance organization.
Private Joint-Stock Company Joint-Stock Insurance Company «INGO Ukraine» has 28 licenses
for various types of compulsory and voluntary insurance, provides insurance services to
corporate and retail clients.
1.2 Market share
In recent years, according to «INGO» Ukraine, it has occupied the first position on the market.
1.3 Quality of products (services)
The quality of insurance products is decent with a flexible pricing policy.
1.4 The state of the sales system
The marketing specialist of «INGO Ukraine» works intensively with a marketing specialist
who provides maximum service promotion.
1.5 Advertising quality
The insurance company invests significant funds to develop an advertising campaign to
establish itself in the market. Effective advertising provides an influx of potential consumers.
1.6 Availability of trademarks
Private Joint-Stock Company Joint-Stock Insurance Company «INGO Ukraine» has its own
trademark and emblem.
1.7 Product range
A wide range of insurance services
2. Finance
2.1 Insurance company assets
The organization’s assets fluctuate during 2017—2019. That is, the insurance company
operates at approximately the same level. Their structure is partially changing.
2.2 Net profit
Net profit tends to increase, so the company does not need additional investment and
radical changes in the management system.
2.3 Return on capital
Return on capital tends to increase, so the company’s assets are used efficiently.
2.4 Working capital
The structure of working capital of «INGO Ukraine» JSIC is optimal. This state of affairs has a
positive effect on the liquidity and solvency of the enterprise.
3. Staff
3.1 Management staff
The management staff is highly qualified, clearly delineated and delegated to lower-level
managers.
3.2 Qualification of employees
Qualified personnel work at «INGO Ukraine» JSIC. Represented by 25 branches for customer
service throughout Ukraine. About 500 employees of the Company work for its Clients in all
regions of Ukraine.
3.3 Personnel policy
The company practices advanced training, recently there is a significant increase in staff.
3.4 Using incentives to motivate
performers
In order to motivate employees, a system of material incentives is used, namely: bonuses.
3.5 Staff turnover
There is no staff turnover at the enterprise
4. Research and development
4.1 Research potential and its
intensity
The research potential of the enterprise is insignificant, it mainly uses already patented
novelties
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