[ Risque et demande d’assurance par les hôtels à Goma ]
Jean Paul HABINAMWISHO LUSHEKE1, Paul Senzira Nahayo2, and Emmanuel Hamuli Mpangirwa3
1 Docteur et Chef de Travaux à l’institut supérieur pédagogique de Kalehe, RD Congo
2 Université de Goma, RD Congo
3 Université Catholique la Sapientia de Goma, RD Congo
Original language: French
Copyright © 2026 ISSR Journals. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
The aim of this article is to identify the link between business risks and the demand for insurance by hotel SMEs in the city of Goma. It follows a quantitative investigative approach since it aims to analyze the main risks to which hotels are exposed and to understand their insurance behavior. The results from the logistic regression analyses show that the level of risk has a positive and significant effect on hotels' demand for insurance in Goma. However, it turned out that the development of risk management practices positively and significantly moderates the relationship between risk and hotels' demand for insurance in Goma, to the point where the improvement of risk management practices inevitably leads to a decrease in demand for insurance. Thus, hotels can implement preventive measures and appropriate emergency plans, thereby improving the safety of guests and staff. Moreover, a better understanding of risks enables hotels to strengthen their operational management, protect their reputation, and optimize their financial performance.
Author Keywords: risk, insurance, financial performance, hotel.
Jean Paul HABINAMWISHO LUSHEKE1, Paul Senzira Nahayo2, and Emmanuel Hamuli Mpangirwa3
1 Docteur et Chef de Travaux à l’institut supérieur pédagogique de Kalehe, RD Congo
2 Université de Goma, RD Congo
3 Université Catholique la Sapientia de Goma, RD Congo
Original language: French
Copyright © 2026 ISSR Journals. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
Abstract
The aim of this article is to identify the link between business risks and the demand for insurance by hotel SMEs in the city of Goma. It follows a quantitative investigative approach since it aims to analyze the main risks to which hotels are exposed and to understand their insurance behavior. The results from the logistic regression analyses show that the level of risk has a positive and significant effect on hotels' demand for insurance in Goma. However, it turned out that the development of risk management practices positively and significantly moderates the relationship between risk and hotels' demand for insurance in Goma, to the point where the improvement of risk management practices inevitably leads to a decrease in demand for insurance. Thus, hotels can implement preventive measures and appropriate emergency plans, thereby improving the safety of guests and staff. Moreover, a better understanding of risks enables hotels to strengthen their operational management, protect their reputation, and optimize their financial performance.
Author Keywords: risk, insurance, financial performance, hotel.
Abstract: (french)
L’objectif de cet article consiste à dégager le lien entre les risques d’entreprise et la demande d’assurance par PME hôtelières de la ville de Goma. il suit une approche quantitative d’investigation du fait qu’il vise à analyser les principaux risques auxquels les hôtels sont exposés et à comprendre leur comportement en matière d’assurance. Les résultats ressortis des analyses de régression logistique montrent que le niveau du risque a un effet positif et significatif sur la demande d’une assurance par les hôtels à Goma. Toutefois, il s’est avéré que le développement des pratiques de gestion de risque modère positivement et significativement la relation entre la relation entre le risque et la demande d’assurance des hôtels à Goma, au point où 1’amélioration des pratiques de gestion de risques mène inévitablement à la diminution de la demande d’assurance. Ainsi, les hôtels peuvent mettre en œuvre des mesures préventives et des plans d’urgence adaptés, améliorant ainsi la sécurité des clients et du personnel. De plus, une meilleure compréhension des risques permet aux hôtels de renforcer leur gestion des opérations, de protéger leur réputation et d’optimiser leurs performances financières.
Author Keywords: risque, assurance, performance financière, hôtel.
