28130 | ![FURKAN YILDIRIM](data:image/jpg;base64,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) | ![ORCID](../images/orcidFav.png) ÖĞRETİM GÖREVLİSİ (Unvan:Doçent) AKDENİZ ÜNİVERSİTESİ/UYGULAMALI BİLİMLER FAKÜLTESİ/FİNANS VE BANKACILIK BÖLÜMÜ/MUHASEBE VE DENETİM ANABİLİM DALI/ Sosyal-Beşeri ve İdari Bilimler Temel Alanı Bankacılık ve Sigortacılık Banka Yönetimi ; Bankacılıkta Risk Yönetimi ; Risk Yönetimi ve Sigorta | furkanyildirim[at]akdeniz.edu.tr | CBD568ADF3382C19 |
265296 | ![KADRİ AVCI](../authorimages/photo_m.jpg) | ![ORCID](../images/orcidFav.png) ÖĞRETİM GÖREVLİSİKÜTAHYA DUMLUPINAR ÜNİVERSİTESİ/KÜTAHYA SOSYAL BİLİMLER MESLEK YÜKSEKOKULU/FİNANS BANKACILIK VE SİGORTACILIK BÖLÜMÜ/BANKACILIK VE SİGORTACILIK PR./ Sosyal-Beşeri ve İdari Bilimler Temel Alanı Bankacılık ve Sigortacılık Aktüerya ; Bireysel Emeklilik Sigortacılığı ; Risk Yönetimi ve Sigorta | | F8BBB22560D7106A |
266433 | ![RECEP UYANIK](data:image/jpg;base64,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) | ![ORCID](../images/orcidFav.png) ÖĞRETİM GÖREVLİSİKÜTAHYA DUMLUPINAR ÜNİVERSİTESİ/KÜTAHYA SOSYAL BİLİMLER MESLEK YÜKSEKOKULU/FİNANS BANKACILIK VE SİGORTACILIK BÖLÜMÜ/BANKACILIK VE SİGORTACILIK PR./ Sosyal-Beşeri ve İdari Bilimler Temel Alanı Bankacılık ve Sigortacılık Bankacılıkta Risk Yönetimi ; Ticaret Bankacılığı ; Risk Yönetimi ve Sigorta | recep.uyanik[at]dpu.edu.tr | 1E570B05207BB27A |
333827 | ![ORHAN ONUR AYDIN](../authorimages/photo_m.jpg) | ![ORCID](../images/orcidFav.png) ÖĞRETİM GÖREVLİSİERZİNCAN BİNALİ YILDIRIM ÜNİVERSİTESİ/KEMAH MESLEK YÜKSEKOKULU/FİNANS-BANKACILIK VE SİGORTACILIK BÖLÜMÜ/BANKACILIK VE SİGORTACILIK PR./ Sosyal-Beşeri ve İdari Bilimler Temel Alanı Bankacılık ve Sigortacılık Finansal Kurumlar ; Bankacılıkta Risk Yönetimi ; Risk Yönetimi ve Sigorta | onur.aydin[at]erzincan.edu.tr | 6A8B4AA6152765F6 |
144728 | ![NURDAN ÇAĞATAY GÖRGÜLÜ](../authorimages/photo_w.jpg) | ÖĞRETİM GÖREVLİSİBOĞAZİÇİ ÜNİVERSİTESİ/MÜHENDİSLİK FAKÜLTESİ/İNŞAAT MÜHENDİSLİĞİ BÖLÜMÜ/HİDROLİK ANABİLİM DALI/ Sosyal-Beşeri ve İdari Bilimler Temel Alanı Bankacılık ve Sigortacılık Risk Yönetimi ve Sigorta | | 7A77C72371F97CE8 |
121393 | ![FUAT ÇAMLIBEL](data:image/jpg;base64,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) | ![ORCID](../images/orcidFav.png) ÖĞRETİM GÖREVLİSİSİVAS CUMHURİYET ÜNİVERSİTESİ/ZARA AHMET ÇUHADAROĞLU MESLEK YÜKSEKOKULU/FİNANS-BANKACILIK VE SİGORTACILIK BÖLÜMÜ/BANKACILIK VE SİGORTACILIK PR./ Sosyal-Beşeri ve İdari Bilimler Temel Alanı Bankacılık ve Sigortacılık Bankacılıkta Risk Yönetimi ; Risk Yönetimi ve Sigorta ; Finansal Kurumlar | fuat.camlibel[at]seddk.gov.tr | CC83453773392A26 |
103744 | ![ALİRIZA ATAMAN](../authorimages/photo_m.jpg) | ÖĞRETİM GÖREVLİSİSİVAS CUMHURİYET ÜNİVERSİTESİ/CUMHURİYET SOSYAL BİLİMLER MESLEK YÜKSEKOKULU/FİNANS-BANKACILIK VE SİGORTACILIK BÖLÜMÜ/BANKACILIK VE SİGORTACILIK PR./ Sosyal-Beşeri ve İdari Bilimler Temel Alanı Bankacılık ve Sigortacılık Reasürans ; Risk Yönetimi ve Sigorta ; Bireysel Emeklilik Sigortacılığı | | E41E22069AE308A0 |
28334 | ![EMRE ÖZKAN](../authorimages/photo_m.jpg) | ÖĞRETİM GÖREVLİSİKOCAELİ ÜNİVERSİTESİ/KANDIRA MESLEK YÜKSEKOKULU/FİNANS BANKACILIK VE SİGORTACILIK BÖLÜMÜ/BANKACILIK VE SİGORTACILIK PR./ Sosyal-Beşeri ve İdari Bilimler Temel Alanı Bankacılık ve Sigortacılık Reasürans ; Risk Yönetimi ve Sigorta ; Özel Sigorta İşletmeciliği | emreozkann[at]gmail.com | FB7ADA641F8B3995 |
156130 | ![HALİL GÜLMEZ](../authorimages/photo_m.jpg) | ÖĞRETİM GÖREVLİSİBURSA ULUDAĞ ÜNİVERSİTESİ/SOSYAL BİLİMLER MESLEK YÜKSEKOKULU/FİNANS-BANKACILIK VE SİGORTACILIK BÖLÜMÜ/BANKACILIK VE SİGORTACILIK PR./ Sosyal-Beşeri ve İdari Bilimler Temel Alanı Bankacılık ve Sigortacılık Özel Sigorta İşletmeciliği ; Bireysel Emeklilik Sigortacılığı ; Risk Yönetimi ve Sigorta | | 87040F67D5A748D2 |
156133 | ![MELAHAT ALA](../authorimages/photo_w.jpg) | ![ORCID](../images/orcidFav.png) ÖĞRETİM GÖREVLİSİBURSA ULUDAĞ ÜNİVERSİTESİ/SOSYAL BİLİMLER MESLEK YÜKSEKOKULU/FİNANS-BANKACILIK VE SİGORTACILIK BÖLÜMÜ/BANKACILIK VE SİGORTACILIK PR./ Sosyal-Beşeri ve İdari Bilimler Temel Alanı Bankacılık ve Sigortacılık Risk Yönetimi ve Sigorta ; Bankacılıkta Risk Yönetimi ; Sigorta Pazarlama | monal[at]uludag.edu.tr | 8403E83B3638BCD9 |
46413 | ![HAKAN ARSLAN](../authorimages/photo_m.jpg) | ÖĞRETİM GÖREVLİSİSİVAS CUMHURİYET ÜNİVERSİTESİ/HAFİK KAMER ÖRNEK MESLEK YÜKSEKOKULU/FİNANS BANKACILIK VE SİGORTACILIK BÖLÜMÜ/BANKACILIK VE SİGORTACILIK PR./ Sosyal-Beşeri ve İdari Bilimler Temel Alanı Bankacılık ve Sigortacılık Hayat Sigortacılığı ; Reasürans ; Risk Yönetimi ve Sigorta | | 38DEBDC3E67EF088 |
302720 | ![ÖMER ŞENTÜRK](data:image/jpg;base64,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) | ![ORCID](../images/orcidFav.png) ÖĞRETİM GÖREVLİSİISPARTA UYGULAMALI BİLİMLER ÜNİVERSİTESİ/AKSU MEHMET SÜREYYA DEMİRASLAN MESLEK YÜKSEKOKULU/FİNANS BANKACILIK VE SİGORTACILIK BÖLÜMÜ/BANKACILIK VE SİGORTACILIK PR./ Sosyal-Beşeri ve İdari Bilimler Temel Alanı Bankacılık ve Sigortacılık Risk Yönetimi ve Sigorta ; Reasürans ; Hayat Sigortacılığı | omersenturk[at]isparta.edu.tr | 875944966CD5CB4C |
6620 | ![HATİCE ÖZLEM YALAZ](../authorimages/photo_w.jpg) | ![ORCID](../images/orcidFav.png) DOKTOR ÖĞRETİM ÜYESİAKDENİZ ÜNİVERSİTESİ/SOSYAL BİLİMLER MESLEK YÜKSEKOKULU/FİNANS-BANKACILIK VE SİGORTACILIK BÖLÜMÜ/BANKACILIK VE SİGORTACILIK PR./ Sosyal-Beşeri ve İdari Bilimler Temel Alanı Bankacılık ve Sigortacılık Risk Yönetimi ve Sigorta ; Sigorta Pazarlama | | E3159153DBD49ED3 |
17720 | ![YUNUS BÖLÜKBAŞI](data:image/jpg;base64,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) | ![ORCID](../images/orcidFav.png) DOKTOR ÖĞRETİM ÜYESİTRAKYA ÜNİVERSİTESİ/UZUNKÖPRÜ UYGULAMALI BİLİMLER YÜKSEKOKULU/BANKACILIK VE SİGORTACILIK BÖLÜMÜ/BANKACILIK VE SİGORTACILIK ANABİLİM DALI/ Sosyal-Beşeri ve İdari Bilimler Temel Alanı Bankacılık ve Sigortacılık Sigorta Pazarlama ; Risk Yönetimi ve Sigorta ; Özel Sigorta Yönetimi | | BAC16371E5439C46 |
316361 | ![MEHMET YEŞİLYAPRAK](data:image/jpg;base64,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) | ![ORCID](../images/orcidFav.png) DOÇENTBEYKOZ ÜNİVERSİTESİ/İŞLETME VE YÖNETİM BİLİMLERİ FAKÜLTESİ/İŞLETME BÖLÜMÜ/İŞLETME PR. / Sosyal-Beşeri ve İdari Bilimler Temel Alanı Bankacılık ve Sigortacılık Katılım Bankacılığı ; Risk Yönetimi ve Sigorta ; Uluslararası Bankacılık | mehmetyesilyaprak[at]beykoz.edu.tr | 6E5A76608A13D800 |
378163 | ![ENES PEHLİVAN](data:image/jpg;base64,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) | ![ORCID](../images/orcidFav.png) ÖĞRETİM GÖREVLİSİİSTANBUL AREL ÜNİVERSİTESİ/MESLEK YÜKSEKOKULU/FİNANS-BANKACILIK VE SİGORTACILIK BÖLÜMÜ/BANKACILIK VE SİGORTACILIK PR. / Sosyal-Beşeri ve İdari Bilimler Temel Alanı Bankacılık ve Sigortacılık Risk Yönetimi ve Sigorta ; Bireysel Emeklilik Sigortacılığı ; Reasürans | enespehlivan[at]arel.edu.tr | 60D7EC989ED2D263 |
38814 | ![KADRİYE OYA TURHANER](data:image/jpg;base64,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) | ![ORCID](../images/orcidFav.png) ÖĞRETİM GÖREVLİSİYAŞAR ÜNİVERSİTESİ/MESLEK YÜKSEKOKULU/YÖNETİM VE ORGANİZASYON BÖLÜMÜ/LOJİSTİK PR. / Sosyal-Beşeri ve İdari Bilimler Temel Alanı Bankacılık ve Sigortacılık Özel Sigorta İşletmeciliği ; Özel Sigorta Yönetimi ; Risk Yönetimi ve Sigorta | oya.turhaner[at]yasar.edu.tr | 83761BFE91A0ECC0 |
307742 | ![AHMET ÖNDER](data:image/jpg;base64,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) | ![ORCID](../images/orcidFav.png) ÖĞRETİM GÖREVLİSİHALİÇ ÜNİVERSİTESİ/MESLEK YÜKSEKOKULU/FİNANS BANKACILIK VE SİGORTACILIK BÖLÜMÜ/BANKACILIK VE SİGORTACILIK PR. / Sosyal-Beşeri ve İdari Bilimler Temel Alanı Bankacılık ve Sigortacılık Banka Yönetimi ; Sigorta Ekonomisi ; Risk Yönetimi ve Sigorta | ahmetonder[at]halic.edu.tr | F2A602D72AD44ECF |
29651 | ![NESRİN CEYLAN](data:image/jpg;base64,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) | ![ORCID](../images/orcidFav.png) ÖĞRETİM GÖREVLİSİİZMİR KAVRAM MESLEK YÜKSEKOKULU/İZMİR KAVRAM MESLEK YÜKSEKOKULU/FİNANS-BANKACILIK VE SİGORTACILIK BÖLÜMÜ/BANKACILIK VE SİGORTACILIK PR. / Sosyal-Beşeri ve İdari Bilimler Temel Alanı Bankacılık ve Sigortacılık Finansal Kurumlar ; Reasürans ; Risk Yönetimi ve Sigorta | | 1224747613097E33 |
239284 | ![ENGİN ARI](data:image/jpg;base64,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) | ![ORCID](../images/orcidFav.png) DOKTOR ÖĞRETİM ÜYESİDOĞU AKDENİZ ÜNİVERSİTESİ/İŞLETME VE EKONOMİ FAKÜLTESİ/BANKACILIK VE FİNANS BÖLÜMÜ/BANKACILIK VE SİGORTACILIK PR. / Sosyal-Beşeri ve İdari Bilimler Temel Alanı Bankacılık ve Sigortacılık Risk Yönetimi ve Sigorta ; Reasürans ; Sigortacılıkta Gözetim ve Denetim | engin.ari[at]emu.edu.tr | F44E416D3E7BC3DB |