Endang Ruchiyat, - (2021) STUDI TENTANG RISK BASED CAPITAL DAN PREMI PADA PERUSAHAAN ASURANSI UMUM DI INDONESIA. S3 thesis, Universitas Pendidikan Indonesia.
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Abstract
Pertumbuhan pendapatan premi dan permodalan perusahaan asuransi umum di Indonesia selama tahun 2006-2017 menunjukkan trend yang kurang baik. Kondisi ini dikarenakan dua faktor yaitu klaim dan permodalan. Klaim yang tidak baik dikarenakan keuangan yang kurang membuat perusahaan menunda pembayaran asuransi masyarakat, sehingga masyarakat kurang berminat untuk berarusansi, selain itu pada level makroekonomi pendapatan nasional yang rendah dan inflasi yang tinggi menjadi penyebab masyarakat tidak tertarik dengan asuransi. Dalam konteks tersebut memunculkan suatu dugaan bahwa risk based capital perusahaan asuransi dipengaruhi oleh ukuran perusahaan, solvabilitas, pendapatan nasional dan inflasi. Selain itu, pendapatan premi perusahaan asuransi juga dipengaruhi oleh risk-based capital, ukuran perusahaan, solvabilitas, pendapatan nasional dan inflasi. Metode yang digunakan dalam penelitian ini menggunakan explanatory dengan menggunakan analisis deskriptif maupun regresi data panel dengan pendekatan two-stage terhadap seluruh asuransi umum di Indonesia selama tahun 2006-2017. Hasil penelitian menemukan pada model pertama ditemukan ukuran perusahaan berpengaruh positif terhadap risk-based capital. Solvabilitas berpengaruh negatif terhadap risk-based capital. Pendapatan nasional berpengaruh positif terhadap risk-based capital. Inflasi berpengaruh negatif terhadap risk-based capital. Umur perusahaan mampu memoderasi pengaruh ukuran perusahaan terhadap risk-based capital dengan arah negatif. Umur perusahaan dapat memoderasi pengaruh solvabilitas, pendapatan nasional terhadap risk-based capital dengan arah positif. Sedangkan, umur perusahaan bukan menjadi faktor yang turut memperkuat hubungan antara inflasi dan risk-based capital. Temuan pada model kedua, ukuran perusahaan, solvabilitas, pendapatan nasional dan umur perusahaan memiliki pengaruh terhadap premi dengan arah positif. Sedangkan, inflasi tidak berpengaruh terhadap premi perusahaan asuransi. Umur perusahaan memoderasi pengaruh ukuran perusahaan, solvabilitas dan risk-based capital terhadap premi dengan arah negatif. Umur perusahaan memoderasi pengaruh pendapatan nasional terhadap premi dengan arah positif. Sedangkan, umur perusahaan tidak dapat memoderasi pengaruh inflasi terhadap premi. ABSTRACT STUDY ON RISK BASED CAPITAL AND PREMIUM IN GENERAL INSURANCE COMPANIES IN INDONESIA The growth of premium income and capital of general insurance companies in Indonesia during 2006-2017 shows an unfavourable trend. This condition is due to two factors, namely claims and capital. Bad claims are due to inadequate finance that makes companies delay payment of public insurance, so that people are less interested in taking action, besides that at the macroeconomic level, low national income and high inflation are the reasons why people are not interested in insurance. In this context, an assumption is made that the risk-based capital of insurance companies is influenced by company size, solvency, national income and inflation. In addition, insurance company premium income is also influenced by risk-based capital, company size, solvency, national income and inflation. The method used in this research is explanatory using descriptive analysis and panel data regression with a two-stage approach to all general insurance in Indonesia during the years 2006-2017. The results of the study found that in the first model, company size has a positive effect on risk-based capital. Solvency has a negative effect on risk-based capital. National income has a positive effect on risk-based capital. Inflation has a negative effect on risk-based capital. Company age is able to moderate the effect of company size on risk-based capital in a negative direction. Company age can moderate the effect of solvency, national income on risk-based capital in a positive direction. Meanwhile, company age is not a factor that also strengthens the relationship between inflation and risk-based capital. The findings in the second model, firm size, solvency, national income, and company age have an influence on the premium in a positive direction. Meanwhile, inflation has no effect on insurance company premiums. Company age moderates the influence of firm size, solvency and risk-based capital on premiums in a negative direction. Company age moderates the effect of national income on premiums in a positive direction. Meanwhile, company age cannot moderate the effect of inflation on premiums.
| Item Type: | Thesis (S3) |
|---|---|
| Uncontrolled Keywords: | Pendapatan premi, Risk-Based Capital, Mikro ekonomi, Makro ekonomi. |
| Subjects: | H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management L Education > L Education (General) L Education > LB Theory and practice of education > LB1603 Secondary Education. High schools |
| Divisions: | Sekolah Pasca Sarjana > Ilmu Manajemen S-3 |
| Depositing User: | Endang Ruchiyat |
| Date Deposited: | 27 Apr 2021 04:07 |
| Last Modified: | 27 Apr 2021 04:07 |
| URI: | http://repository.upi.edu/id/eprint/60438 |
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