Sigorta Kapsamasında Sosyoekonomik Faktörlerin Açıklanması: E-7 Ülkelerinden Kanıtlar

Yıl 2023, Cilt: 26 Sayı: 2, 436 - 450, 30.11.2023

Emrah Doğan , Berna Doğan Başar , İbrahim Halil Ekşi

https://doi.org/10.29249/selcuksbmyd.1342860

Öz

Bu çalışmada, temel bileşenler analizi kullanılarak oluşturulan sigorta kapsama değişkenini belirleyen sosyoekonomik faktörler, E7 ülkeleri için Parks-Kmenta tahmincisi ve niceliksel regresyon kullanılarak test edilmiştir. Bu kapsamda çalışmada kullanılan veriler, değişkenlerin erişilebilirliğine bağlı olarak 2004-2017 yılları arasında incelenmiştir. Ampirik sonuçlar, sigorta sektörüne dahil olmanın ekonomik büyüme, sürdürülebilir kalkınma, kentleşme ve kamu harcamaları değişkenleri gibi makroekonomik faktörlerden pozitif yönde etkilenirken, küresel belirsizlik ve politik risk gibi risk bileşenlerinden negatif yönde etkilendiğini göstermektedir. Dolayısıyla, sonuçlar sosyoekonomik faktörlerin sigorta sektörüne katılımı önemli ölçüde etkilediğini göstermektedir. Ayrıca finansal kapsayıcılık sayesinde E7 ülkelerinin canlanması sağlanacak ve bu ülkelerin ekonomilerinin büyümesi hızlanacaktır.

Anahtar Kelimeler

Sigorta Kapsama, Ekonomik Faktörler, Panel Veri Analizi, E-7 Ülkeleri

Unpacking the Role of Socioeconomic Factors in Insurance Inclusion: Evidence from The E-7 Countries

Öz

In this study, the socioeconomic factors determining the insurance inclusion variable, constructed using principal component analysis, were tested using the Parks-Kmenta estimator and quantile regression for the E7 countries. In this context, the data used in the study were obtained between 2004 and 2017, depending on the accessibility of the variables. The empirical results show that while inclusion in the insurance sector is positively influenced by macroeconomic factors such as economic growth, sustainable development, urbanization, and public expenditure variables, it is negatively affected by risk components such as global uncertainty and political risk. Thus, the results suggest that socioeconomic factors significantly influence involvement in the insurance sector. In addition, thanks to financial inclusion, the revival of E7 countries will be ensured, and the growth of the economies of these countries will accelerate.

Anahtar Kelimeler

Insurance Inclusion, Economic Factors, Panel Data Analysis, E-7 Countries

Kaynakça

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