ANALISIS STRUKTUR MODAL, PREMI NETO, DAN PROFITABILITAS TERHADAP SOLVABILITAS PERUSAHAAN ASURANSI DI INDONESIA

ANALISIS STRUKTUR MODAL, PREMI NETO, DAN PROFITABILITAS TERHADAP SOLVABILITAS PERUSAHAAN ASURANSI DI INDONESIA

• By Akbar, Albastiah Fauzan;
• Magister Manajemen
• 147

The insurance industry in Indonesia has grown rapidly, Insurance as a nonbank financial institutions which is manage the customer's financial related about investment and protection. Insurance companies as non-bank financial institutions must necessarily be controlled in doing business. The Government has been authorized by the Financial Services Authority as a controller over the entire activities of the insurance industry. Against default risk and insolvency is a real risk to be faced by the insurance customers. It’s can happen if the insurance company does not undertake resource management as a good company, and also take into account the risk factors. Financial Services Authority has issued a tool to determine the level of solvency in the insurance industry called risk-based capital (RBC), and require all insurance companies to maintain the RBC ratio above 120% . This study examines whether there is an effect of capital structure, net premiums and profitability to the solvency (RBC), and using 5 control variables are firm size, firm age, inflation, interest rates, profitability ratios. This study uses samples of 34 insurance companies in Indonesia, both life insurance and general insurance. Data take from Indonesia Life Insurance Association and Insurance which is listed on the Indonesian stock exchange start from 2010-2015. The research concludes that the capital structure negatively affect the solvency, net premiums does not affect the solvency, and profitability does not affect the solvency.

• Katakunci capital structure, net premiums, profitability, solvency
• URL http://
• Penerbit ,

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