Publication: Türk sigorta sektöründe faaliyet gösteren hayat dışı sigorta şirketlerinin performans değerlendirmesine yönelik ampirik bir uygulama
Abstract
Gerçekleştirilen bu tez çalışmasında, Çok Kriterli Karar Verme (ÇKKV) yöntemleri kapsamında Türk sigorta sektöründe faaliyette bulunan hayat dışı sigorta branşı şirketlerinin performanslarının analiz edilmesi amaçlanmıştır. Bu amaç doğrultusunda, Türk sigorta sektöründeki 33 hayat dışı sigorta şirketinin 2015-2019 yıllarını kapsayan zaman dönemindeki 4 finansal ve 4 teknik değerlendirme ölçütünden yararlanılmıştır. Analiz kapsamına dâhil edilen sigorta şirketlerine ilişkin değerlendirme ölçütlerinin ağırlık katsayılarının tespitinde objektif ağırlıklandırma yöntemleri arasında yer alan Gri Entropi yöntemi kullanılırken, sigorta şirketlerine ilişkin performans skorlarının tespit edilmesinde ve bu skorlar doğrultusunda şirketlerin sıralanmasında ise COPRAS (Complex Proportional Assessment) yöntemi kullanılmıştır.Gri Entropi yöntemi kapsamında yapılan analizler neticesinde söz konusu dönem için performans üzerinde etkisi en yüksek olan değerlendirme kriterinin Özsermaye Kârlılık Oranı olduğu, buna karşın performans üzerinde etkisi en az olan kriterin ise Toplam Borç Oranı olduğu sonucuna ulaşılmıştır. COPRAS yönteminden yararlanılarak belirlenen sigorta şirketlerinin performans skorlarına göre ise bahsi geçen dönemde finansal açıdan performansı en yüksek olan sigorta şirketinin BNP Paribas Sigorta AŞ olduğu, performansı en düşük olan şirketin ise Unıco Sigorta AŞ olduğu tespit edilmiştir.
In this thesis study performed, it is aimed to analyze the performance of non-life insurance companies operating in the Turkish insurance sector within the scope of MultiCriteria Decision Making (MCDV) methods. In line with this purpose, 4 financial and 4 technical evaluation criteria in the time period covering the years 2015-2019 of 33 nonlife insurance companies in the Turkish insurance sector, were benefited. While the Gray Entropy method, which is among the objective weighting methods, was used to determine the weighting coefficients of the evaluation criteria of the insurance companies included in the analysis, the COPRAS (Complex Proportional Assessment) method was used to determine the performance scores of insurance companies and to rank the companies in line with these scores.As a result of the analyzes made within the scope of the Gray Entropy method, it was concluded that the evaluation criteria with the highest effect on the performance for the period in question was the Return on Equity Ratio, while the criteria with the least effect on the performance was the Total Debt Ratio. According to the performance scores of the insurance companies determined using the COPRAS method, it was determined that the insurance company with the highest financial performance in the said period was BNP Paribas Sigorta AŞ, and the company with the lowest performance was Unıco Sigorta AŞ.
In this thesis study performed, it is aimed to analyze the performance of non-life insurance companies operating in the Turkish insurance sector within the scope of MultiCriteria Decision Making (MCDV) methods. In line with this purpose, 4 financial and 4 technical evaluation criteria in the time period covering the years 2015-2019 of 33 nonlife insurance companies in the Turkish insurance sector, were benefited. While the Gray Entropy method, which is among the objective weighting methods, was used to determine the weighting coefficients of the evaluation criteria of the insurance companies included in the analysis, the COPRAS (Complex Proportional Assessment) method was used to determine the performance scores of insurance companies and to rank the companies in line with these scores.As a result of the analyzes made within the scope of the Gray Entropy method, it was concluded that the evaluation criteria with the highest effect on the performance for the period in question was the Return on Equity Ratio, while the criteria with the least effect on the performance was the Total Debt Ratio. According to the performance scores of the insurance companies determined using the COPRAS method, it was determined that the insurance company with the highest financial performance in the said period was BNP Paribas Sigorta AŞ, and the company with the lowest performance was Unıco Sigorta AŞ.