Insurance, as a fundamental pillar of the economy, offers essential financial protection against a multitude of unforeseen events. This research focuses on home insurance, a sector where guaranteed amounts significantly increase insurers’ exposure to risk. Insurers commit to covering financial losses in exchange for premiums, but accurately estimating the likely indemnity burden remains a challenge due to the random nature of events such as fires or property damage. Misjudging these risks can lead to severe financial consequences and compromise insurers’ solvency. To manage these risks and ensure their solvency, insurers turn to reinsurance, which allows them to cap their commitments, stabilize their financial results, and comply with regulatory requirements. The primary objective of this study is to develop a pricing model for reinsurance contracts, enabling insurers to better negotiate with their reinsurers. Before concluding a reinsurance agreement, insurers must conduct their own pricing to assess the costs and benefits of potential treaties. This involves modeling the annual number of claims and associated costs using various statistical laws and applying Monte Carlo simulation, a robust method for solving complex numerical problems. This study aims to provide insurers with a comprehensive tool to evaluate reinsurance contracts, ensure balanced financial results, and thus enhance their ability to protect policyholders against unforeseen losses.

In a more and more globalized context, the research of the performance of firms passes inevitably by innovation. So, the traditional analysis of relation between innovation and performance to be the object of a broad literature and watch that the critical purpose of innovation is to make grow the performance of the firm. In effect, since the provisions of Schumpeter (1943) considering innovation as main source of the long-term success of the firm, and until our days innovation remains a stake of the performance of SMES. These firms marked by certain peculiarities think they are struck in problems of financing of innovation. The research of the mode of optimum financing proves to be difficult and depends on several variables which the firm must manage. It is in this objective that we estimate, across this job, guide the firm towards an efficient management of the financing of innovation, key mailman of performance of firms.

The crowdfunding, or participative financing, is a mode of financing which allows the meeting of the porters of plans and the internauts through devoted platforms. The importance augmented by this mode of financing for 2000s and its successes in the different savings provoked our interest. As a result, we are going to dedicate this article to a bet in obviousness of the general panorama of the crowdfunding, before stopping on the success of this mode of financing and its role in the promotion of innovation in Morocco.