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  1. Yangon University of Economics
  1. Yangon University of Economics
  2. Master of Insurance (MI)

Factors Affecting Ethical Behaviour of Insurance Agents in Myanmar( Ye Nwe Arnt Bwe,2026)

https://meral.edu.mm/records/12983
https://meral.edu.mm/records/12983
69ddd5d4-273e-4973-b61a-4f877c7e732d
08b0a64b-14ca-4139-ad29-c137b543f9d4
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Ye Ye Nwe Arnt Bwe-.pdf (131 KB)
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Title
Title Factors Affecting Ethical Behaviour of Insurance Agents in Myanmar( Ye Nwe Arnt Bwe,2026)
Language en
Authors
Ye Nwe Arnt Bwe,
Description
ABSTRACT
This study aims to determine the factors affecting ethical behaviour among general
insurance agents in Myanmar and to investigate the effects of these factors on their ethical conduct.
A quantitative research design was adopted, focusing on 349 general insurance agents selected
through simple random sampling from a population of 2,743 registered agents. Primary data were
collected using a structured questionnaire based on a five-point Likert scale and analyzed using
descriptive statistics, correlation analysis, and multiple regression analysis with statistical
software. The findings reveal that rewarding, subjective norms, perceived behavioural control,
moral obligation, and work pressure are positively associated with ethical behaviour. Among these
factors, work pressure and subjective norms demonstrate the significant effects on ethical
behaviour, indicating that manageable work target, social pressure are essential in promoting
ethical behavior. In addition, the results highlight the importance of aligning organizational reward
structures, improving ethical norms within companies, enhancing professional competence, and
managing work pressure to support ethical behaviour. These findings provide empirical results for
insurance companies and regulators to develop ethical training programs, balanced compensation
systems, and supportive work environments that reinforce integrity and professionalism in the
Myanmar insurance industry and market.
Thesis/dissertations
Yangon University of Economics
Dr. Yan Yan Myo Naing
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