scholarly journals PENERAPAN MANAJEMEN RISIKO DALAM MEMINIMALISIR KLAIM PRODUK JAMINAN BANK GARANSI PADA PERUSAHAAN ASURANSI DI PROVINSI RIAU

2018 ◽  
Vol 6 (1) ◽  
pp. 8
Author(s):  
Prama Widayat
Keyword(s):  
Risk Management ◽  
Insurance Companies ◽  
Sampling Area ◽  
General Insurance ◽  
Private Banks ◽  
Study Population

The research was conducted to observe the implementation of risk management in analyzing the contractor before issuing Surety Bond guarantee by the insurance and continue as the basis for the issuance of Bank Guarantee (KGB) by private banks and BUMN, because there are still contractors who do not perform their obligation to finish the work causing the claim bank guarantee product. The study was conducted by direct interviews to underwriting insurance issuing Bank Guarantee Cons (KGB) products. The study population amounted to about 67 insurance companies registered in Riau province. But not all of them publish KGB is only 5 general insurance companies, the determination of the number of samples is done by using the sampling area.

scholarly journals PENERAPAN METODE BAYES DALAM MENGESTIMASI PREMI KREDIBILITAS PADA ASURANSI UMUM

2021 ◽  
Vol 10 (4) ◽  
pp. 241
Author(s):  
RAIN FERNANDO BANGUN ◽  
I NYOMAN WIDANA ◽  
DESAK PUTU EKA NILAKUSMAWATI
Keyword(s):  
Empirical Bayes ◽  
Theory Model ◽  
Credibility Theory ◽  
Insurance Companies ◽  
Insurance Premiums ◽  
General Insurance ◽  
The Future

Determination of insurance premiums is very important the calculation must be done carefully so that there is experience losses. The purpose of this research is to find out the application of empirical Bayes credibility theory Model 1 and estimate of the credibility premium on general insurance. A method that can help in overcoming these problems, that is empirical Bayes credibility theory Model 1, results of the estimated credibility premium credibility (in Euros) for insurance companies Alianz, Csob, Generali, Koop, Unisqa, and Wusten respectively as follows: 46.774811, 7.801307, 10.368991, 58.812250, 6.703035, and 5.091605.  These results, the average claim is greater than the credibility premium, so that insurance companies can reserve premiums for the future.

Comparing Solvency II and Life and General Insurance Capital approaches to capital determination of a life portfolio in the presence of stress scenarios

2018 ◽  
Vol 13 (1) ◽  
pp. 36-66
Author(s):  
Kangjing Tan ◽  
Aaron Bruhn
Keyword(s):  
Risk Management ◽  
Solvency Ii ◽  
Capital Requirements ◽  
Life Insurers ◽  
General Insurance ◽  
Pillar Structure ◽  
Matching Adjustment ◽  
The Impact ◽  
Capital Intensive

AbstractThe European-centric Solvency II and Australian-centric Life and General Insurance Capital regimes are two examples of risk-based approaches to capital determination and risk management for life insurers. Both consist of a three-pillar structure covering capital, risk management and disclosure requirements. We apply the capital requirements of each regime to three synthetic sets of insurance policies, including a risk, annuity and combined portfolios, and consider the impact on capital arising from three separate and relatively severe stress events. Results highlight the relatively capital intensive nature of annuities, the differences between different capital regimes, the significance of solvency II’s matching adjustment and the robustness of each regime to both pandemic and economic stresses. Results also highlight the nature of diversification benefits from within each capital regime, on overall capital requirements.

Pengaruh Kepuasan Kerja terhadap Organizational Citizenship Behavior (OCB) Alumni Diklat Kepemimpinan Tingkat IV di Provinsi Banten

2020 ◽  
Vol 16 (1) ◽  
Author(s):  
Enong Rostiawati
Keyword(s):  
Job Satisfaction ◽  
Organizational Citizenship ◽  
Organizational Citizenship Behavior ◽  
Leadership Training ◽  
Survey Methods ◽  
Citizenship Behavior ◽  
Entire Study ◽  
Analysis Technique ◽  
Study Population

Abstract: Organizational Citizenship Behavior (OCB) is a variable that can be influenced by job satisfaction. This study aims to determine the effect of job satisfaction variables on Organizational Citizenship Behavior OCB alumni level IV leadership training in Banten Province. This research uses a quantitative approach through survey methods. Data analysis technique used is simple linear regression. The population in this study were 40 respondents and the sample used was 40 respondents. Determination of the sample using total sampling techniques or samples taken from the entire study population. The results of the analysis and interpretation of research data show that the value of the regulatory coefficient of influence on job satisfaction on Organizational Citizenship Behavior (OCB) alumni of leadership training level IV is 0.740 thus it can be concluded that job satisfaction has a direct positive effect on Organizational Citizenship Behavior alumni training, meaning that improvement of satisfaction in IV level leadership training is 0.740. work has an impact on improving Organizational Citizenship Behavior for training alumni, So Organizational Citizenship Behavior for training alumni can be achieved through job satisfaction.Keywords: Job satisfaction, Organizational Citizenship Behavior, Leadership Training Alumni Level IV

Effect of Financial Risk Management on the Performance of Insurance Companies in Rwanda (2015-2019)

2020 ◽  
Author(s):  
Simon Pierre NTIVUGURUZWA ◽  
Jean Bosco Ndikubwimana ◽  
Dukunde Angelique ◽  
JMV MPIRANYA ◽  
Frederic Mpambara ◽  
...  
Keyword(s):  
Risk Management ◽  
Financial Risk ◽  
Insurance Companies ◽  
Financial Risk Management

scholarly journals Adjacent digit fingerprint white line count differences: a pointer to sexual dimorphism for forensic application

2019 ◽  
Vol 9 (1) ◽  
Author(s):  
Magaji Garba Taura ◽  
Lawan Hassan Adamu ◽  
Abdullahi Yusuf Asuku ◽  
Kabiru Bilkisu Umar ◽  
Musa Abubakar
Keyword(s):  
Logistic Regression ◽  
Sexual Dimorphism ◽  
Binary Logistic Regression ◽  
Stepwise Logistic Regression ◽  
Regression Analyses ◽  
Forensic Application ◽  
White Line ◽  
Study Population ◽  
Right And Left Hands

Abstract Background Sex determination is one of the leading criterion in identification and verification of an individual. However, the potential roles of differences in adjacent fingerprint white line count (FWLC) in sex inference are not well elucidated in the literature especially among Hausa population. The study was conducted to determine sexual dimorphism and predict sex using adjacent digit FWLC difference (adj. DFWLCD) among Hausa population of Kano state, Nigeria. Methods The study population involved 300 participants. FWLC was determined from a plain fingerprint captured using live scanner. The formula for adj. DFWLCD of thumb and fifth digit is dR15 for right hand. The same applied for possible combination in cephalocaudal direction. Mann-Whitney and t tests were used for comparison of variables between sexes. Binary logistic regression analyses were employed for determination of sex. Results We observed a significantly larger adj. DFWLCD in males compared with females in most of the digit combination. A significant sexual dimorphism was observed in most of the adj. DFWLCD involving ring digit in both right (dR14, dR24, and dR34) and left (dL14, dL24, and dL34). The best discrimination was observed in adjacent FWLC difference of second and fourth digits in both right and left digits (dR24 and dL24). This was further supported by stepwise logistic regression analyses. Conclusion The adj. DFWLCD exhibits sexual dimorphism. The best prediction potentials were found to be dR24 and dL24 for right and left hands respectively.

scholarly journals Farmers’ Demand for Informal Risk Management Strategy and Weather Index Insurance: Evidence from China

2021 ◽  
Author(s):  
Yingmei Tang ◽  
Huifang Cai ◽  
Rongmao Liu
Keyword(s):  
Risk Management ◽  
Field Experiments ◽  
Management Strategies ◽  
Insurance Companies ◽  
Index Insurance ◽  
Insurance Demand ◽  
Weather Index ◽  
Weather Index Insurance ◽  
Risk Management Strategies ◽  
The Government

AbstractIn the absence of formal risk management strategies, agricultural production in China is highly vulnerable to climate change. In this study, field experiments were conducted with 344 households in Heilongjiang (Northeast China) and Jiangsu (East China) Provinces. Probit and logistic models and independent sample T-test were used to explore farmers’ demand for weather index insurance, in contrast to informal risk management strategies, and the main factors that affect demand. The results show that the farmers prefer weather index insurance to informal risk management strategies, and farmers’ characteristics have significant impacts on their adoption of risk management strategies. The variables non-agricultural labor ratio, farmers’ risk perception, education, and agricultural insurance purchase experience significantly affect farmers’ weather index insurance demand. The regression results show that the farmers’ weather index insurance demand and the influencing factors in the two provinces are different. Farmers in Heilongjiang Province have a higher participation rate than those in Jiangsu Province. The government should conduct more weather index insurance pilot programs to help farmers understand the mechanism, and insurance companies should provide more types of weather index insurance to meet farmers’ diversified needs.

Managing uncertainty in a general insurance company

1990 ◽  
Vol 117 (2) ◽  
pp. 173-277 ◽  
Author(s):  
C. D. Daykin ◽  
G. B. Hey
Keyword(s):  
Computer Model ◽  
Flow Model ◽  
Insurance Companies ◽  
Simulation Methods ◽  
Insurance Company ◽  
Practical Applications ◽  
General Insurance ◽  
Alternative Approaches ◽  
The Impact

AbstractA cash flow model is proposed as a way of analysing uncertainty in the future development of a general insurance company. The company is modelled alongside the market in aggregate so that the impact of changes in premium rates relative to the market can be assessed. An extensive computer model is developed along these lines, intended for use in practical applications by actuaries advising the management of genera1 insurance companies. Simulation methods are used to explore the consequences of uncertainty, particularly in regard to inflation and investments. Some comments are made on the role of actuaries in general insurance. Alternative approaches to describing the behaviour of an insurance firm in the market are considered.

Efficiency Analysis of Malaysian General Insurance Companies Using Data Envelopment and Super-efficiency Approach

2021 ◽  
Vol 11 (10) ◽  
Author(s):  
Jamilah Mohd Mahyideen ◽  
Nur Azlina Abd Aziz ◽  
Hafisah Yaakob ◽  
Nurhanani Aflizan Mohamad Rusli ◽  
Wan Normila Mohamad
Keyword(s):  
Efficiency Analysis ◽  
Insurance Companies ◽  
Data Envelopment ◽  
Super Efficiency ◽  
General Insurance ◽  
Using Data
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