IMPACT OF MANAGERIAL ABILITY ON FIRM PERFORMANCE AND RISK-TAKING: EVIDENCE FROM THE GERMAN INSURANCE SECTOR USING A THREE-STAGE EFFICIENCY FRAMEWORK. Malete Journal of Accounting and Finance, [S. l.], v. 6, n. 2, p. 257–270, 2025. Disponível em: https://majaf.com.ng/index.php/majaf/article/view/322. Acesso em: 31 may. 2026.