HARJADI, HARJADI (2020) ANALISIS FINANCIAL DISTRESS PERUSAHAAN ASURANSI YANG TERDAFTAR DI BURSA EFEK INDONESIA TAHUN 2015-2019. S2 thesis, Universitas Mercu Buana Jakarta.
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Abstract
This study aims to analyze the insurance financial ratio such as underwriting ratio, loss ratio, investment yield ratio, liability to liquid assets ratio, net premium growth ratio, technical reserve ratio and risk based capital to potential financial distress. The population in this study were all insurance subsector companies listed on the Indonesia Stock Exchange in period 2015 to 2019. The sampling technique used was purposive sampling method in order to obtain a sample of 10 companies. Data analysis techniques using logistic regression analysis methods. The results showed that the underwriting ratio, net premium growth ratio, and risk based capital have a significant and negative effect on potential financial distress. Loss ratio, liabilities to liquid assets ratio, and technical reserves ratio have a significant and positive effect on potential financial distress, while the investment return ratio does not have a significant effect in predicting potential financial distress. Keywords: Insurance Subsector, Financial Ratio, Logistic Regression, Risk Based Capital and Financial Distress Tujuan dari penelitian ini adalah untuk menganalisis rasio keuangan asuransi seperti underwriting ratio, loss ratio, investment yield ratio, liability to liquid asset ratio, net premium growth ratio, technical reserve ratio dan risk based capital terhadap potensi financial distress. Populasi dalam penelitian ini adalah semua perusahaan subsektor asuransi yang terdaftar di Bursa Efek Indonesia periode 2015 sampai 2019. Teknik pengambilan sampel yang digunakan dengan metode purposive sampling sehingga didapatkan sampel penelitian sebanyak 10 perusahaan. Teknik analisis data menggunakan metode analisis regresi logistik. Hasil penelitian menunjukkan bahwa underwriting ratio, net premium growth ratio, dan risk based capital berpengaruh signifikan dan negatif terhadap potensi financial distress. Loss ratio, liability to liquid asset ratio, dan technical reserve ratio berpengaruh signifikan dan positif terhadap potensi financial distress sedangkan investment yield ratio tidak berpengaruh signiifikan dalam memprediksi potensi financial distress. Kata Kunci: Subsektor Asuransi, Rasio Keuangan, Regresi Logistik, Risk Based Capital dan Financial Distress.
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