ARIPIN, AHMAD (2010) ANALISIS RASIO KEUANGAN UNTUK MEMPREDIKSI KONDISI FINANCIAL DISTRESS PADA PERUSAHAAN ASURANSI JIWA DI INDONESIA. S2 thesis, Universitas Mercu Buana Jakarta-Menteng.
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Abstract
This research has a purpose to provide empirical evident about factors that affect financial distress of life insurance companies. The examined factors on this research are typical financial ratio of life insurance included change in capital ratio, net premium to capital ratio, return on capital ratio, investment to technical reserve ratio, expense ratio, investment yield ratio, investment yield to net premium ratio, and investment to total assets ratio. The samples consist of 30 of life insurance companies which had not financial distress and 13 of life insurance companies had financial distress in 2006 and 2007. The statistic method used to test on the research hypothesis is logit regression. The model that used to examine financial ratios that affect financial distress of life insurance companies consist of 3 models: prediction model in 2006, prediction model in 2007 and prediction model in 2006 and 2007. The result show that return on capital ratio, investment to technical reserve ratio and expense ratio had classification power to predict financial distress life insurance companies. Accuracy of model to predict financial distress life insurance companies shows as 83,7% for prediction model in 2006, 90,7% for prediction model in 2007 and 87,2% for prediction model in 2006 and 2007.Penelitian ini bertujuan meneliti apakah rasio-rasio keuangan yang khas bagi industri asuransi dapat digunakan dalam memprediksi tingkat kesehatan perusahaan asuransi. Rasio-rasio keuangan yang digunakan meliputi: Rasio Perkembangan Modal, Rasio Premi Netto terhadap Modal, Rasio Tingkat Pengembalian Modal, Rasio investasi terhadap cadangan teknis, Rasio Biaya, Rasio Hasil Investasi, Rasio Hasil Investasi terhadap Premi Netto, dan Rasio Investasi terhadap Total Asset. Sampel penelitian terdiri dari 30 perusahaan asuransi jiwa yang tidak mengalami financial distress dan 13 perusahaan asuransi jiwa yang mengalami financial distress di tahun 2006 dan 2007. Metode statistik yang digunakan dalam menguji hipotesis penelitian adalah metode regresi logistik. Model yang digunakan untuk menguji rasio-rasio keuangan yang berpengaruh terhadap financial distress meliputi 3 model, yaitu model prediksi 2006, model prediksi 2007 dan model prediksi 2006 dan 2007. Hasil penelitian menunjukkan bahwa rasio tingkat pengembalian modal, rasio investasi terhadap cadangan teknis dan rasio biaya memiliki kemampuan yang baik dalam memprediksi kondisi financial distress perusahaan asuransi jiwa. Tingkat akurasi model untuk model prediksi tahun 2006 sebesar 83,7%, untuk model prediksi tahun 2007 sebesar 90,7% dan model prediksi model gabungan tahun 2006 dan 2007 sebesar 87,2%.
| Item Type: | Thesis (S2) |
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| Call Number CD: | CDT-551-10-117 |
| NIM/NIDN Creators: | 55107120119 |
| Uncontrolled Keywords: | MKU, Manajemen keuangan |
| Subjects: | 600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 658 General Management/Manajemen Umum |
| Divisions: | Pascasarjana > Magister Manajemen |
| Depositing User: | UMMI RAHMATUSSYIFA |
| Date Deposited: | 30 May 2022 07:52 |
| Last Modified: | 13 Feb 2023 05:17 |
| URI: | http://repository.mercubuana.ac.id/id/eprint/62223 |
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