Tarım sigortaları ve doğal afetler: Türk tarım sigortaları havuzu (TARSİM) finansal performansının seçili kriterler dâhilinde değerlendirilmesi

Abstract

Agriculture is closely linked to weather and climatic conditions, rendering it vulnerable to the impact of natural disasters. While such risks are inherent in agricultural activities, the escalation in both frequency and severity of these disasters in recent years can be attributed to the interplay of climate change, global warming, and ecological degradation. In this context, agricultural insurances offer financial assistance to farmers by extending insurance coverage to mitigate potential production failures stemming from these hazards. In Turkey, the insurances included in the Agricultural Insurance Pool (TARSIM) range from crop, greenhouse, and poultry, to drought yield insurances. In this study, the financial performance of TARSIM during the period 2018-2022 has been evaluated by using Criteria Importance Through Intercriteria Correlation (CRITIC) objective criteria weighting with Evaluation based on Distance from Average Solution (EDAS) and Multi-Atributive Ideal-Real Comparative Analysis (MAIRCA) multi-criteria decision-making (MCDM) techniques. The analyses included seven financial ratios based on eight indicators, and as a result, the criterion with the highest weight was determined as the Total Premiums Received-Equity ratio, and by considering all utilized methods, the first two years with the best financial performance was identified as 2018 and 2019.