Rodiyah, Siti (2025) DETERMINAN PROFITABILITAS ASURANSI UMUM SYARIAH (Studi Kasus Pada Perusahaan Asuransi Umum Unit Usaha Syariah yang Terdaftar Di Otoritas Jasa Keuangan Periode 2019-2024). S1 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
The purpose of this study is to empirically prove and examine the effect of financial ratios of volume of capital, investment returns, premium income, risk-based capital, underwriting results and operating costs on the profitability of general insurance companies of sharia business units registered with the financial services authority for the period 2019-2024. Profitability is measured by Return on Assets (ROA) and the method used in this study is quantitative with panel data types obtained from third parties (secondary). This study uses eleven samples of general insurance companies of sharia business units and uses panel data regression analysis techniques with the help of Eviews 10 software. The results show that volume of capital, investment returns, risk-based capital, underwriting results have a significant effect on profitability. Meanwhile, premium income and operating costs do not have a significant effect on profitability. This study provides implications that the importance of insurance management in making investment placement effective and improving the risk selection process to maximize underwriting results. Meanwhile, the finding that premium income and operating costs do not have a significant effect on profitability indicates that large premium receipts do not necessarily have a positive impact if they are not accompanied by claim risk control and spending efficiency.
| Item Type: | Thesis (S1) | |||||||||
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| Additional Information: | Tujuan dari penelitian ini adalah untuk membuktikan dan mengkaji secara empiris pengaruh rasio keuangan volume of capital, hasil investasi, pendapatan premi, risk based capital, hasil underwriting dan biaya operasional terhadap profitabilitas perusahaan asuransi umum unit usaha syariah yang terdaftar di otoritas jasa keuangan periode 2019 2024. Profitabilitas diukur dengan Return on Assets (ROA) dan Metode yang digunakan dalam penelitian ini adalah kuantitatif dengan jenis data panel yang diperoleh dari pihak ketiga (sekunder). Penelitian ini menggunakan sebelas sampel perusahaan asuransi umum unit usaha syariah dan menggunakan teknik analisis regresi data panel dengan bantuan software Eviews 10. Dengan hasil menunjukkan bahwa volume of capital, hasil investasi, risk based capital, hasil underwriting berpengaruh signifikan terhadap profitabilitas. Sementara itu pendapatan premi dan biaya operasional tidak memiliki pengaruh signifikan terhadap profitabilitas. Penelitian ini memberikan implikasi bahwa Pentingnya manajemen asuransi dalam mengefektifkan penempatan investasi dan memperbaiki proses seleksi risiko untuk memaksimalkan hasil underwriting. Sementara itu, temuan bahwa pendapatan premi dan biaya operasional tidak berpengaruh signifikan terhadap profitabilitas menunjukkan bahwa penerimaan premi yang besar belum tentu berdampak positif apabila tidak disertai dengan kontrol risiko klaim dan efisiensi pengeluaran. | |||||||||
| Uncontrolled Keywords: | Profitability, sharia insurance, financial ratios, return on assets Profitabilitas, Asuransi Syariah, Rasio Keuangan, Return On Asset | |||||||||
| Subjects: | H Social Sciences > HB Economic Theory | |||||||||
| Divisions: | 05-Fakultas Ekonomi dan Bisnis 05-Fakultas Ekonomi dan Bisnis > Program Sarjana Ekonomi Syariah |
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| Depositing User: | rodiyah siti rodiyah diyah | |||||||||
| Date Deposited: | 14 Aug 2025 02:28 | |||||||||
| Last Modified: | 14 Aug 2025 02:28 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/51856 |
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