scholarly journals Factors Affecting Equity and Its Impact on Insurance Premium of General Insurance Companies in Indonesia

2018 ◽  
Vol 5 (2) ◽  
pp. 70
Author(s):  
M. Noor Salim ◽  
Sukarman Sukarman
Keyword(s):  
Capital Investment ◽  
Secondary Data ◽  
Insurance Premium ◽  
Insurance Companies ◽  
Significant Positive Effect ◽  
Working Capital ◽  
Factors Affecting ◽  
General Insurance ◽  
Premium Income ◽  
Positive Effect

The phenomenon that was appointed to be the object of research was the decline in the percentage of premium income in general insurance companies in Indonesia while the equity value (capitalization) of the company increased. This study aims to determine the effect that occurs due to the influence of the variables of free working capital, investment, assets and equity on the acquisition of premiums. The research data is secondary data taken from the OJK website. Processing data using multiple linear regression methods, and using two sub-structure equation techniques because in this study using intervening variables. From the results of the study conclusions are as follows: Working capital does not have a significant positive effect on equity, investment has a significant positive effect on equity, assets do not have a significant effect on equity, working capital does not significantly influence the acquisition of premiums, investment does not significantly influence the acquisition of premiums, assets no significant effect on the acquisition of premiums, equity has a positive and significant effect on the acquisition of premiums. In this study, equity mediates the effect of working capital, investment, assets on the acquisition of premiums.

scholarly journals PENGARUH KLAIM TERHADAP SURPLUS-DEFISIT UNDERWRITING PERUSAHAAN ASURANSI UMUM SYARIAH DI INDONESIA (Studi Pada Perusahaan Asuransi Umum Syariah yang Terdaftar di Otoritas Jasa Keuangan Periode 2015-2018)

2020 ◽  
Vol 6 (1) ◽  
pp. 15
Author(s):  
Rustamunadi Rustamunadi ◽  
Suwaibah Suwaibah
Keyword(s):  
Financial Services ◽  
Degrees Of Freedom ◽  
Hypothesis Test ◽  
Secondary Data ◽  
Insurance Companies ◽  
Coefficient Of Determination ◽  
Analysis Tool ◽  
Significant Positive Effect ◽  
General Insurance ◽  
Positive Effect

An increasingly developed economy and technology will lead to the possibility of risk, which threatens the growing human needs. Under these circumstances, the greater the problems that will be faced by humans, both directly and indirectly. From the financial data contained in the table, it can be seen that the claims and Surplus-Deficit Underwriting of Sharia General Insurance Companies in Indonesia from 2015 to 2018 have experienced significant developments fluctuations. This study was conducted to examine how much influence the claim has on the Surplus-Deficit Underwriting of Sharia General Insurance Companies in Indonesia with the object of research being Sharia General Insurance Companies and Sharia Units registered at the Financial Services Authority (OJK). The samples used were 8 Sharia General Insurance Companies and Sharia Units that met the sample criteria. The observation period of this research is from 2015 to 2018. The method used in this study is a quantitative method that uses the classic assumption test, hypothesis test, and the coefficient of determination test. The data used is secondary data obtained from the official website of Islamic insurance companies in Indonesia. The analysis tool in this study uses simple regression analysis that involves one independent variable as a predictor of the value of the dependent variable. The statistical analysis used was software namely SPSS Version 16.0. The results of this study indicate that the claim has a significant positive effect on Surplus-deficit Underwriting, this can be seen from the value of tinag amounted to 4,401 while the value of ttable obtained from the distribution table was sought at the significance of 5% degrees of freedom (df) n-k-l or 32-1-1 = 30 then obtained a ttable of 2.045. Therefore tinag> ttable = 4401 > 2,045 and significant level 0.000, because the significance value is less than 0.05, it can be concluded that H0 is rejected and Ha is accepted. The relationship between Claims Underwriting Surplus-Deficit is categorized as medium and the magnitude of the influence of Claims on Underwriting Surplus-Deficit is 43.7% while the rest is influenced by other variables not discussed in this study. The hypothesis proposed in this study is that H0 was rejected and Ha was accepted. This means that the claim has a significant positive effect on the surplus-deficit underwriting.

scholarly journals The Impact of Directors’ and Officers’ Liability Insurance on Corporate Performance: An Empirical Evidence from the Data of Chinese Listed Financial Enterprises

2020 ◽  
Vol 7 (1) ◽  
pp. 35-45
Author(s):  
Zhe Sun
Keyword(s):  
Significant Positive Correlation ◽  
Corporate Performance ◽  
Liability Insurance ◽  
Insurance Companies ◽  
Significant Positive Effect ◽  
Factors Affecting ◽  
Directors And Officers ◽  
The Impact ◽  
The Relationship ◽  
Positive Effect

 Based on data of the listed banks and insurance companies from 2011-2016, this paper studies the factors affecting directors’ and officers’ liability insurance, the relationship between directors’ and officers’ liability insurance and corporate performance. Empirical research shows that there is a significant positive correlation between the company’s asset-liability ratio, corporate performance and directors’ and officers’ liability insurance. Directors’ and officers’ liability insurance has a significant positive effect on corporate performance of listed banks and insurance companies. The empirical findings of this paper will help to strengthen the understanding of directors’ and officers’ liability insurance in bank and insurance companies and promote the widespread use of directors’ and officers’ liability insurance in the future.

scholarly journals PENGARUH INVESTASI TERHADAP PROFITABILITAS ANGGOTA HOLDING PT PUPUK INDONESIA (PERSERO)

2019 ◽  
Vol 11 (02) ◽  
pp. 01-14
Author(s):  
Rahmat Setiawan ◽  
Koko Sudiro
Keyword(s):  
Capital Investment ◽  
Financial Statements ◽  
Investment Policy ◽  
Quantitative Approach ◽  
Significant Positive Effect ◽  
Working Capital ◽  
Fixed Asset ◽  
Fixed Assets ◽  
Negative Effect ◽  
Positive Effect

In anticipation of future competition,, the Ministry of SOE since 2011 has set an aggressive strategy in holding management on PT Pupuk Indonesia (Persero). PT Pupuk Indonesia holding members are directed to be more expansive in improving their performance both by increasing their working capital and fixed assets. This expansion is expected to be able to increase the company's profitability.This research was conducted using a quantitative approach to assess the effect of working capital investment variables and fixed asset investment on the company's profitability variable. Data is obtained from the quarterly financial statements of the holding member of PT Pupuk Indonesia (Persero) during the period after the establishment of a strategic holding in 2011-2016.The results showed that the investment policy on working capital, as measured by the ratio of Current Assets / Total Assets, had a significant positive effect on ROA and ROE. While the investment policy on fixed assets, as measured by the ratio of Fixed Assets / Total Assets, has a significant negative effect on ROA and ROE

scholarly journals The Influence Of Risk Based Capital, Investment Returns, and Operational Costs, On the Surplus Underwriting Of Islamic Insurance Companies at the 2014-2018 Period

2020 ◽  
Vol 12 (2) ◽  
pp. 287-306
Author(s):  
Nita Yolanda Oktavia Fusen ◽  
Heraeni Tanuatmodjo ◽  
Aneu Cakhyaneu
Keyword(s):  
Capital Investment ◽  
Secondary Data ◽  
Insurance Companies ◽  
Insurance Company ◽  
Operational Costs ◽  
General Insurance ◽  
Analysis Technique ◽  
Investment Returns ◽  
Statistical Analysis Technique ◽  
Almost All

This study aims to see the overview and influence of risk based capital, investment returns, and operational costs, on the surplus underwriting in Sharia general insurance companies in Indonesia period 2014-2018. Surplus underwriting over the past five years has been fluctuating and almost all sharia general insurance companies in Indonesia have decreased. This is due to the decline in performance and financial instruments in Sharia general insurance companies in Indonesia. The research methods used in this study are causality methods with a quantitative approach. The population in this research is the Sharia general insurance company registered with Otoritas Jasa Keuangan (OJK). The method used for sampling in research is by purposive sampling with the number of samples as many as eleven Sharia general insurance companies in Indonesia for 5 years of research. The data used is secondary data. The statistical analysis technique used in this study was the analysis of a regression of data panels using the Eviews 9 application. The dependent variables in this study are surplus underwriting and independent variables in this research are risk based capital, investment returns, and operational costs. The results showed that risk based capital positively affect the surplus underwriting, investment returns positively affect the surplus underwritimg and operational cost positively affect the surplus underwriting

scholarly journals Pengaruh Perputaran Modal Kerja dan Perputaran Kas Terhadap Profitabilitas

2021 ◽  
Vol 6 (1) ◽  
pp. 79-87
Author(s):  
Seto Sulaksono Adi Wibowo ◽  
Merlin Merlin ◽  
Yosi Handayani
Keyword(s):  
Regression Analysis ◽  
Panel Data ◽  
Return On Investment ◽  
Stock Exchange ◽  
Secondary Data ◽  
Financial Statements ◽  
Insurance Companies ◽  
Insurance Company ◽  
Working Capital ◽  
Positive Effect

The objective this study are to determine the effect of working capital and the cash turnover on the level of profitability in insurance companies. Working capital variable is measured by working capital turnover (X1), the effectiveness of the use of cash is measured by cash turnover (X2) and profitability is measured by return on investment/ROI (Y). The population in this study is an Insurance Company listed on the Indonesia Stock Exchange from 2011-2015. The sample in this study is taken by using purposive sampling technic. Samples consist are 50 financial statements that meet the criteria. The type of data used in this study is secondary data originating and published from the Indonesia Stock Exchange. The collected panel data then analyzed by using model test, classical assumption, multiple regression analysis, t test, and determinant coefficient analysis to see the level of conformity of the analysis. The result of this research shows that the rotation of working capital has a positive effect on profitability, it can be seen from t value> t table (2.181> 2.010) and cash turnover has no significant effect on profitability, can be seen from t value <t table (-1,771 < 2.010).

scholarly journals Effect of Market Share and Firm Size on Efficiency and its Implications to Profitability of Sharia Insurance in Indonesia

2020 ◽  
Vol 3 (1) ◽  
pp. 122
Author(s):  
Said Aryonindito ◽  
Winwin Yadiati ◽  
Sofik Handoyo
Keyword(s):  
Market Share ◽  
Firm Size ◽  
Secondary Data ◽  
The Other ◽  
Insurance Companies ◽  
Company Size ◽  
Significant Positive Effect ◽  
Research Model ◽  
Islamic Insurance ◽  
Positive Effect

Since Indonesia as a developing country which consists of 87.2% of Muslim citizens, sharia insurance plays an important role. However, this presence of sharia insurance does not show significant growth compared to Malaysia. This study aims to determine whether efficiency may serve as an intermediary variable in linking market share and company size to the profitability of Islamic insurance in Indonesia. It employs secondary data to collect data by involving 11 sharia insurance companies with 4 years ranging from the year 2014 to 2017. The collected data were analyzed through Path analysis and Sobel test with the DEA VRS as an indicator of efficiency. In analyzing the collected data, the Path equation has passed the classic assumption test. The findings reveal that the market share and company size have respectively significant positive and negative influences on efficiency. It indicates that market share is a variable that shows a significant positive effect on profitability compared to the other two variables. Whereas, the results of Sobel tests show that efficiency cannot serve as an intermediary in this research model

scholarly journals Health insurance sector in India: an analysis of its performance

2020 ◽  
Vol 17 (1/2) ◽  
pp. 97-109
Author(s):  
Madan Mohan Dutta
Keyword(s):  
Health Insurance ◽  
Insurance Industry ◽  
Secondary Data ◽  
Insurance Premium ◽  
Annual Growth Rate ◽  
Content Type ◽  
Insurance Sector ◽  
General Insurance ◽  
Health Insurance Premium ◽  
Premium Income

Purpose Health insurance is one of the major contributors of growth of general insurance industry in India. It alone accounts for around 29% of total general insurance premium income earned in India. The growth of this sector is important from the perspective of overall growth of general insurance Industry. At the same time, problems in this sector are also many which are affecting its performance. Design/methodology/approach The paper provides an understanding on performance of health insurance sector in India. This study attempts to find out how much claims and commission and management expenses it has to incur to earn certain amount of premium. Methodology used for the study is regression analysis to establish relationship between dependent variable (Profit/Loss) and independent variable (Health Insurance Premium earned). Findings Findings of the study indicate that there is significant relationship between earned premium and underwriting loss. There has been increase of premium earnings which instead of increasing profit for the sector in fact has increased underwriting loss over the years. The earnings of the sector is growing at compounded annual growth rate of 27% still it is unable to earn underwriting profit. Originality/value This study is self-driven based on secondary data obtained from insurance regulatory and development authority site.

scholarly journals The effect of insurance premiums, claims, underwriting results, on profitability with a risk-based minimum capital ratio (RBMC) as an intervening variable in general insurance companies

2021 ◽  
Vol 6 (1) ◽  
pp. 61
Author(s):  
Richad Alamsyah
Keyword(s):  
Indirect Effect ◽  
Linear Regression Analysis ◽  
Sample Selection ◽  
Secondary Data ◽  
Multiple Linear Regression Analysis ◽  
Insurance Premium ◽  
Insurance Companies ◽  
Minimum Capital ◽  
Negative Effect ◽  
Positive Effect

This study aims to analyze factors that effect profitability (ROA) with insurance premium, claim and underwriting result as independent variabel and risk based capital ratio (MMBR) as an intervening variable on insurance companieswich operate in Indonesia from year 2011-2015. The sample selection was done by using purposive sampling method and based on predetermined criteria, then got sample which amounted to 72 companies. The data in this study was secondary data. Data processing is done by statistical analysis technique that is multiple linear regression analysis and sobel method for intervening test.The results of this study indicate that (1) Insurance premium has no effect on MMBR ratio, (2) claim insurance  has a negative effect on MMBR ratio, (3) Underwriting result has positive effect on MMBR ratio, (4) Insurance premium has positive effect on profitability, (5) claim insurance has a negative effect on profitability, (6) underwriting result has positive effect on profitability, (7) MMBR ratio has positive effect on profitability, (8) premium insurance, has no indirect effect on profitability through MMBR ratio. (9) claim insurance has no indirect effect on profitability through MMBR ratio, (10) underwriting result has no indirect effect on profitability through MMBR ratio.

Estimasi Pengaruh Faktor Internal Bank dan Stabilitas Makroekonomi terhadap Profitabilitas dengan Mediasi Rasio Pembiayaan Bermasalah di PT Bank Muamalat Indonesia

2020 ◽  
Vol 3 (2) ◽  
pp. 93-108
Author(s):  
Annisa Siti Fathonah ◽  
Dadang Hermawan
Keyword(s):  
Secondary Data ◽  
Financial Statements ◽  
Significant Positive Effect ◽  
Return On Assets ◽  
Internal Factors ◽  
Macroeconomic Factors ◽  
Operating Income ◽  
Significant Negative Effect ◽  
Negative Effect ◽  
Positive Effect

This study aims to determine and analyze how much influence the bank's internal factors such as Equity, Operational Costs per Operating Income (BOPO), Financing Deposit to Ratio (FDR), Non Performing Financing (NPF) as a mediator and external or macroeconomic factors namely inflation and Gross Domestic Product (GDP) on profitability represented by Return on Assets (ROA) at Bank Muamalat Indonesia for the period 2008-2018. The data used in this research are secondary data obtained from the publication of quarterly financial statements from 2008 to quarter 2 of 2018. The method that used in this research is path analysis with SPSS 20.0 as the analytical tool. The results of the study partially test the hypothesis (t-test), in substructure I shows that the capital variable has a significant negative effect on NPF, BOPO and inflation has a significant positive effect on NPF, FDR and GDP do not significantly influence NPF at Bank Muamalat Indonesia. In substructure II partially, Capital, BOPO, significant negative effect on ROA, FDR and NPF has a significant positive effect on ROA, Inflation and GDP does not significantly influence ROA while simultaneously significantly influencing ROA. Based on the sobel test, capital has a significant effect on ROA through NPF, BOPO has a significant effect on ROA through NPF, FDR has a significant effect on ROA through NPF, Inflation has a significant effect on ROA through NPF, while GDP has no significant effect on ROA through NPF.

scholarly journals Pengaruh Partisipasi Dalam Penyusunan Anggaran, Akuntabilitas Publik Dan Job Relevant Information Terhadap Kinerja Manajerial Pada OPD Provinsi Sumatera Barat

2019 ◽  
Vol 1 (4) ◽  
pp. 1756-1772
Author(s):  
Rani Sri Wahyuni ◽  
Erinos NR
Keyword(s):  
Regression Analysis ◽  
Sampling Method ◽  
Secondary Data ◽  
Relevant Information ◽  
Significant Positive Effect ◽  
Public Accountability ◽  
Regional Organizations ◽  
Managerial Performance ◽  
West Sumatra ◽  
Positive Effect

This studyaimed to examine the effect of budgeting participation, public accountability and job relevant information to managerial performance. This research is classified as causative research. The population in this study are 39 Regional Organizations (OPD) of West Sumatra Province. The sample in this study used the Total Sampling method. The type of data used in this study is primary and secondary data. Data collection techniques using a questionnaire consisting of 3 respondents in each OPD so that the questionnaire distributed was 117 questionnaires. The analytical method used is Multiple Regression Analysis using the SPSS version 20.00 program. The result of the study showed participation has a significant positive effect on managerial performance. However public accountability and job relevant information have no effect on managerial performance.

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