An Investigation of In-Company Factors Affecting Profits in Non-Life Insurance Sector: Fuzzy Goal Programming Example

Öz

People and companies face uncertainties and risks throughout their lives. A cost arises because of every risk arising from their activities. The size of the risk concept should be well calculated and managed in this case. Therefore, insurance steps in to manage risks effectively and efficiently. In this study, the effects of firm variables on period profit / loss in non-life insurance companies were examined. To obtain maximum profit, which is an important element in ensuring the continuity of the activities of insurance companies, the effects of intra-firm variables that have an impact on profit have been investigated using fuzzy goal programming model. The variables of the insurance companies selected in this study used in the model are financial variables, premium total variables and operating expense variables. These variables are given in detail later in study. Annual data between 2014-2020 were used in the study. According to the results obtained from the study, the profit of insurance companies was estimated using the financial variables, operating expenses, and total premiums, respectively. In addition, it has been observed that the fuzzy goal programming method gives effective results in calculating the amount of variables that affect the profit of companies.

Anahtar Kelimeler

• Insurance Companies
• Performance
• Fuzzy Goal Programming

Hayat Dışı Sigorta Sektöründe Kârı Etkileyen Firma İçi Faktörlerin İncelenmesi: Bulanık Hedef Programlama Örneği

Öz

İnsanlar ve firmalar hayatları boyunca belirsizlikler ve risklerle karşılaşmaktadır. Faaliyetlerinden dolayı gerçekleşen her riskin sonucunda da bir maliyet ortaya çıkar. Risk kavramının büyüklüğünün bu durumda iyi hesaplanması ve yönetilmesi gerekmektedir. Bundan dolayı, sigorta, riskleri etkin ve verimli bir şekilde yönetmek için devreye girer. Bu çalışmada hayat dışı sigorta şirketlerinde firmaya ait değişkenlerin dönem kârı/zararı üzerindeki etkileri incelenmiştir. Sigorta firmalarının faaliyetlerinin devamını sağlamada önemli bir unsur olan maksimum kârı elde etmek için, kâr üzerinde etkisi olan firma içi değişkenlerin etkileri bulanık hedef programlama modeli kullanılarak araştırılmıştır. Bu çalışmada seçilen sigorta şirketlerinin modelde kullanılan değişkenleri şirketlerin mali değişkenleri, prim toplamı değişkenleri ve faaliyet gider değişkenleridir. Bu değişkenler ayrıntılı bir şekilde çalışmanın ilerleyen kısmında verilmiştir. Çalışmada 2014-2020 arası yıllık veriler kullanılmıştır. Çalışmadan elde edilen sonuçlara göre, sigorta şirketlerinin kârı sırasıyla mali değişkenler, faaliyet giderleri ve prim toplamı değişkeni kullanılarak tahmin edilmiştir. Ayrıca bulanık hedef programlama yönteminin şirketlerin kârını etkileyen değişkenlerin miktarını hesaplamada etkin sonuçlar verdiği görülmüştür.

Anahtar Kelimeler

• Sigorta Şirketleri
• Performans
• Bulanık Hedef Programlama

Kaynakça

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