PENGARUH FAKTOR MAKRO DAN MIKRO PERUSAHAAN TERHADAP KINERJA PERUSAHAAN ASURANSI JIWA DI INDONESIA PERIODE TAHUN 2010 –2017

SEMBODO, KUKUH PRIO (2019) PENGARUH FAKTOR MAKRO DAN MIKRO PERUSAHAAN TERHADAP KINERJA PERUSAHAAN ASURANSI JIWA DI INDONESIA PERIODE TAHUN 2010 –2017. S2 thesis, Universitas Mercu Buana.

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Abstract

The financial performance of insurance companies (Return on Asset, ROA) can be analyzed at micro and macroeconomic level, being determined both by internal factors represented by specific characteristics of the company (premium growth, size, leverage, underwriting risk, yield of investment income, and external factors regarding macroeconomic environment (GDP growth, risk free rate). This study attempts to analyze the impact of macroeconomic and micro factor of life insurance companies to the financial performance in the Indonesian life insurance during the period 2010–2017. The population of conventional life insurance companies in Indonesia in 2017 is 54 companies, however the companies that submitted the annual report completed and continuously to OJK are 31 companies during the observation period. According to the final results achieved by applying specific panel data techniques. The micro factor that have positive impact to financial performance of Indonesian life insurance are the yield of investment income. premium growth has negative impact to financial performance of life insurance company in Indonesia. Keywords: return on asset, premium growth, company size, leverage, underwriting risk, yield of investment income, risk free rate, GDP growth. Kinerja keuangan perusahaan asuransi (Return on Asset, ROA) dapat dianalisis pada tingkat mikro dan makroekonomi, yang ditentukan baik oleh faktor internal yang diwakili oleh karakteristik khusus perusahaan (pertumbuhan premi, ukuran perusahaan, leverage, risiko underwriting, yield hasil investasi) dan faktor-faktor eksternal mengenai lingkungan ekonomi makro (pertumbuhan PDB, tingkat bunga bebas risiko). Penelitian ini mencoba menganalisis dampak makroekonomi dan faktor mikro perusahaan asuransi jiwa terhadap kinerja keuangan asuransi jiwa Indonesia selama periode 2010 –2017. Populasi perusahaan asuransi jiwa konvensional di Indonesia pada tahun 2017 adalah sebanyak 54 perusahaan, namun perusahaan yang menyerahkan laporan tahunan secara lengkap dan berkesinambungan kepada OJK adalah 31 perusahaan selama periode pengamatan. Hasil penelitian yang dicapai dengan menerapkan data panel didapatkan bahwa faktor mikro yang berdampak positif pada kinerja keuangan perusahaan asuransi jiwa di Indonesia adalah yield hasil investasi, sedangkan pertumbuhan premi memiliki pengaruh negatif terhadap kinerja perusahaan asuransi jiwa di Indonesia. Kata kunci: return on asset, pertumbuhan premi, ukuran perusahaan, leverage, risiko underwriting, yield hasil investasi, tingkat bunga bebas risiko, pertumbuhan PDB.

Item Type: Thesis (S2)
Call Number CD: CD/551. 19 185
NIM/NIDN Creators: 55114120160
Uncontrolled Keywords: return on asset, pertumbuhan premi, ukuran perusahaan, leverage, risiko underwriting, yield hasil investasi, tingkat bunga bebas risiko, pertumbuhan PDB.
Subjects: 600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan
600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 651 Office Services/Layanan Kantor > 651.9 Office Services in Specific Kinds of Enterprises/Layanan Kantor untuk Perusahaan Tertentu
600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 657 Accounting/Akuntansi > 657.9 Accounting for Specific Kinds of Organizations/Akuntansi untuk Jenis Organisasi Tertentu > 657.95 Corporations/Perusahaan
Divisions: Pascasarjana > Magister Manajemen
Depositing User: Dede Muksin Lubis
Date Deposited: 29 Dec 2021 00:14
Last Modified: 21 Apr 2022 03:21
URI: http://repository.mercubuana.ac.id/id/eprint/53067

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