Manajemen Risiko Permodalan Perusahaan-Perusahaan Asuransi Jiwa di Indonesia
DOI:
https://doi.org/10.22437/jdm.v10i3.11535Abstract
Penelitian ini bertujuan untuk mengetahui pengaruh risiko investasi dan penjaminan emisi terhadap tingkat RBC perusahaan asuransi jiwa di Indonesia. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif, dengan teknik pengolahan data Ordinary Least Squares (OLS) dan Robust Least Squares (RLS). Penelitian ini menggunakan data statistik asuransi Indonesia dari Otoritas Jasa Keuangan (OJK) pada periode 2016 - Oktober 2020 di 50 perusahaan asuransi jiwa Indonesia sebagai sampel penelitian. Hasil dari penelitian ini menunjukkan bahwa pengaruh risiko investasi memiliki pengaruh yang signifikan dan berkorelasi positif terhadap RBC serta pengaruh risiko penjaminan emisi memiliki pengaruh yang signifikan dan berkorelasi negatif terhadap RBC. Penelitian ini dapat meningkatkan pemahaman tentang pentingnya bagi perusahaan asuransi untuk memperhatikan risiko investasi dan risiko penjaminan emisi yang berpengaruh terhadap RBC.
This study aims to determine the effect of investment risk and underwriting on the RBC level of life insurance companies in Indonesia. The method used in this research is quantitative method, with data processing techniques Ordinary Least Squares (OLS) and Robust Least Squares (RLS). This study uses statistical data on Indonesian insurance from Otoritas Jasa Keuangan (OJK) in the period 2016 - October 2020 in 50 Indonesia’s life insurance companies as the research sample. The results of this study indicate that the effect of investment risk has a significant and positive correlation to RBC and the effect of underwriting risk has a significant and negative correlation to RBC. This research can improve understanding of the importance for insurance companies to pay attention to investment risks and underwriting risks that affect RBC.
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