mellisaganda02-bit/ZW_ALM
Domaine:
socioeconomicType de record:
software
Créateur:
mel
Hôte:
An Asset Liability Management System for Zimbabwe's insurance sector
# Zimbabwe Asset Liability Management Platform
## Complete Package
**Platform:** Dynamic Asset–Liability Management for Zimbabwe Non-Life Insurers:
A Regime-Switching Stochastic Programming Approach for the Zimbabwe Insurance Sector
**Framework:** ZICARP Compliant · IFRS 17 Aligned · APN 401 Standards
---
## Package Contents
| File | Size | Description |
|------|------|-------------|
| `ZWALM_System.html` | ~112 KB | Complete standalone dashboard application |
| `alm_engine.js` | ~52 KB | Standalone calculation engine (Node.js + Browser) |
| `README.md` | This file | Usage guide & documentation |
---
## Quick Start
### Option 1 — Demo (Zimbabwe Insurance Sector Data)
1. Open `ZWALM_System.html` in Chrome, Edge, or Firefox
2. Click **"📊 Load Zimbabwe Demo Data"**
3. All 12 sections populate instantly with real calculated results
### Option 2 — Upload Your Own Data
1. Open `ZWALM_System.html`
2. Drag & drop XLSX files onto the import area
3. Accepted formats (auto-detected):
| File Type | Required Columns |
|-----------|-----------------|
| Premium Data | Class, GWP, NWP, RI, Gross UPR, Net UPR |
| Claims Paid | D.O.L, Reported, DATE PAID, Type, ZWL, USD |
| Outstanding Claims | Occur Date, Currency, ClaimAmountInc, GrossInc, NetInc |
| ZICARP QRT | Balance Sheet, Own Funds, SCR, MCR sheets |
4. Fill in the **Manual ZICARP Inputs** panel for any missing asset values
5. Click **"▶ Run ALM Engine"**
### Option 3 — Use the Engine in Your Code
```javascript
// Browser
const result = ZWALMEngine.runALMEngine(companyData);
// Node.js
const ZWALM = require('./alm_engine.js');
const scr = ZWALM.calcSCR(ZWALM.calcBSCR(mktRisk, nlRisk), opRisk);
```
---
## Application Sections (12 total)
| Section | Description |
|---------|-------------|
| **Import Data** | File upload, manual inputs, engine status dashboard |
| **Overview** | KPI cards, GWP donut, combined ratio chart, capital stack, BS reconciliation |
| **Solvency & SCR** | Full SCR build-up, SCR decomposit …