Publication: TÜRKİYE’DE SİGORTA SEKTÖRÜNE KATKILARI AÇISINDAN _x000D_
KATILIM SİGORTACILIĞI PRİM ÜRETİMİ ANALİZİ
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Sigorta; bireylerin ve kurumların belli bir miktar para ödenmesi yoluyla toplanan tutarların, bireylerin, kurumların ve varlıkların zarara uğramaları halinde zararın karşılanmasında kullanıldığı bir risk transferidir. Bu yolla toplanan primler vasıtası ile ülke ekonomisi için önemli bir tasarruf kaynağı yaratılmaktadır. Bu çalışmada; son yıllarda sigortacılık literatürüne giren Katılım Sigortacılığı (Tekâfül) hakkında genel bilgiler verildikten sonra Genel Sigortacılığa prim üretimi bazında katkıları değerlendirilmiştir. Katılım Sigortacılığı, Genel sigortacılığın; faiz, belirsizlik ve kumar gibi etmenlerden arındırılmış bir alternatifi olarak karşımıza çıkmaktadır. Bu çalışmayla Katılım Sigortacılığı ve diğer sigortacılık sistemlerinin kavramsal çerçeveleri açıklanmış ve bu uygulamaların benzer ve farklı yönleri ortaya konulmuştur. Daha sonra Katılım Sigortacılığı sisteminin yapısı, özellikleri, ilkeleri ve metodları anlatılmıştır. Türkiye’deki Katılım Sigortacılığı güncel verilerine dayanılarak sektördeki son durumu ortaya konulmaya çalışılmıştır. Çalışmanın amacı; Türkiye’de Katılım Sigortacılığı prim üretiminin, Genel Sigortacılık prim üretimi içerisindeki payının değerlendirmesini yapmaktır. Bu amaçla 2014-2018 yılları arasındaki son 5 yıllık Katılım Sigortacılığı prim üretimi ve Genel Sigortacılık prim üretimi verileri Türkiye Sigorta Birliği (https://www.tsb.org.tr/) internet sitesinden temin edilerek oransal analizi ve değerlendirmesi yapılmıştır. Değerlendirme neticesinde; Katılım Sigortacılığının Genel Sigortacılık prim üretimine her yıl artan oranda katkı sağladığı gözlenmiştir. Ayrıca Katılım Sigortacılığı yapan şirket sayısının da her yıl artış gösterdiği görülmektedir.
Insurance is a risk transfer that the amount of money collected from _x000D_ individuals and institutions are used to compensate the losses if individuals, institutions and _x000D_ assets. An important saving source for the national economy is created through the _x000D_ premiums collected in this way. This study, begins with giving general information about _x000D_ Participation Insurance that has entered the insurance literature in recent years, and then _x000D_ assesses its contributions to General Insurance on the basis of premium production. _x000D_ Participation Insurance is an alternative of General insurance that is free from factors such _x000D_ as interest, uncertainty and gambling. This study, overviews conceptual frameworks of _x000D_ Participation Insurance and other insurance systems and then compares their similarities and differences. The following section explains the structure, features, principles and _x000D_ methods of the Participation Insurance system. The final section evaluates the _x000D_ contemporary situation in the sector on the basis of the current data on the Insurance _x000D_ Contributions in Turkey. The aim of the study is to assess the share of the Participation of _x000D_ insurance premium production as part of the general insurance premium production in _x000D_ Turkey. For this purpose, the data on Insurance Contributions and General Insurance _x000D_ premiums were obtained from Turkish Insurance Association’s (https://www.tsb.org.tr/) _x000D_ website for the five years between 2014 to 2018 and the data were analyzed and evaluated _x000D_ proportionally. As a result of the evaluation, it is observed that Participation Insurance _x000D_ contributes increasingly to the production of General Insurance premium every year. In _x000D_ addition, it is observed that the number of companies engaged in Participation Insurance _x000D_ increased every year.
Insurance is a risk transfer that the amount of money collected from _x000D_ individuals and institutions are used to compensate the losses if individuals, institutions and _x000D_ assets. An important saving source for the national economy is created through the _x000D_ premiums collected in this way. This study, begins with giving general information about _x000D_ Participation Insurance that has entered the insurance literature in recent years, and then _x000D_ assesses its contributions to General Insurance on the basis of premium production. _x000D_ Participation Insurance is an alternative of General insurance that is free from factors such _x000D_ as interest, uncertainty and gambling. This study, overviews conceptual frameworks of _x000D_ Participation Insurance and other insurance systems and then compares their similarities and differences. The following section explains the structure, features, principles and _x000D_ methods of the Participation Insurance system. The final section evaluates the _x000D_ contemporary situation in the sector on the basis of the current data on the Insurance _x000D_ Contributions in Turkey. The aim of the study is to assess the share of the Participation of _x000D_ insurance premium production as part of the general insurance premium production in _x000D_ Turkey. For this purpose, the data on Insurance Contributions and General Insurance _x000D_ premiums were obtained from Turkish Insurance Association’s (https://www.tsb.org.tr/) _x000D_ website for the five years between 2014 to 2018 and the data were analyzed and evaluated _x000D_ proportionally. As a result of the evaluation, it is observed that Participation Insurance _x000D_ contributes increasingly to the production of General Insurance premium every year. In _x000D_ addition, it is observed that the number of companies engaged in Participation Insurance _x000D_ increased every year.