Hasil Pencarian  ::  Simpan CSV :: Kembali

"[ABSTRAKPenting bagi perusahaan asuransi untuk memastikan kecukupan modalnya untuk menanggung risiko yang ada. Salah satu risiko yang perlu diperhatikan oleh perusahaan adalah risiko munculnya kewajiban klaim dimasa yang akan datang.Peraturan yang saat ini berlaku untuk mengukur kecukupan modal perusahaan adalah Modal Minimum Berbasis Risiko yang diatur oleh OJK. Dalam ketentuan ini, diatur risiko investasi, risiko mata uang, risiko underwriting, dan beberapa risiko lainnya. Risiko underwriting diukur dalam Risiko Liabilitas Asuransi dengan mempertimbangkan premi dan klaim.Dalam ketentuan Solvency II, risiko pasar, risiko kredit, dan risiko underwriting juga diukur oleh perusahaan asuransi untuk memastikan kecukupan modal dengan mengukur tingkat kerugian maksimum pada tingkat kepercayaan tertentu. Faktor-faktor di dalam risiko underwriting yang perlu diperhitungkan adalah risiko premi, risiko cadangan, dan risiko katastropik. Formula standar sesuai solvency II dapat dijadikan patokan untuk mengukur risiko underwriting dan melihat kecukupan modal perusahaan.

---

ABSTRACTIt is vital for insurance companies to ensure the adequacy of its capital to cover potential risks. One of the risks that need to be considered by the company is the risk of claims liability in the future.Regulation currently in force for measuring capital adequacy of the company is the Risk-Based Capital Adequacy regulated by the Financial Services Authority (OJK). In this provision, it takes into consideration regulated investment risk, currency risk, underwriting risk, and other risks.While stated in Solvency II provisions, market risk, credit risk and underwriting risk is also need to be measured by the insurance company to ensure capital adequacy. This is done by calculating the maximum level of loss at certain level of confidence. Factors in the underwriting risk which need to be taken into account is premium risk, reserve risk and catastrophic risk. Appropriate standard formula solvency II can be used as a benchmark to measure its underwriting risk and ensure capital adequacy., It is vital for insurance companies to ensure the adequacy of its capital to cover potential risks. One of the risks that need to be considered by the company is the risk of claims liability in the future.Regulation currently in force for measuring capital adequacy of the company is the Risk-Based Capital Adequacy regulated by the Financial Services Authority (OJK). In this provision, it takes into consideration regulated investment risk, currency risk, underwriting risk, and other risks.While stated in Solvency II provisions, market risk, credit risk and underwriting risk is also need to be measured by the insurance company to ensure capital adequacy. This is done by calculating the maximum level of loss at certain level of confidence. Factors in the underwriting risk which need to be taken into account is premium risk, reserve risk and catastrophic risk. Appropriate standard formula solvency II can be used as a benchmark to measure its underwriting risk and ensure capital adequacy.]"

"ABSTRAKPenelitian ini bertujuan untuk menelaah pengaruh faktor-faktor risiko internal risiko pasar, kredit, likuiditas, premi, dan cadangan serta tata kelola independensi dewan komisaris, kepemilikan Pemerintah, kepemilikan BUMN, dan kepemilikan asing terhadap pengambilan risiko di perusahaan asuransi jiwa, asuransi kerugian, dan reasuransi konvensional di Indonesia. Sampel penelitian ini adalah 30 asuransi jiwa, 38 asuransi kerugian, dan 4 reasuransi di Indonesia dalam kurun waktu 2011 hingga 2015. Hasil regresi robust random-effects atas sampel menunjukkan bahwa faktor risiko premi memiliki pengaruh negatif terhadap pengambilan risiko; sedangkan risiko cadangan, independensi dewan komisaris, dan kepemilikan asing secara positif memengaruhi pengambilan risiko. Adapun studi ini tidak menemukan adanya pengaruh yang signifikan dari faktor risiko pasar, kredit, likuiditas, kepemilikan Pemerintah, dan kepemilikan BUMN terhadap pengambilan risiko.

---

ABSTRAKThis study aims to analyze the impacts of internal risk factors market, credit, liquidity, premium, and reserve risks as well as corporate governance independence of board of commissioners, Government rsquo s ownership, state owned enterprises rsquo ownership, and foreign ownership on the risk taking of conventional life insurers, general insurers, and reinsurers in Indonesia. Samples of this study are 30 life insurers, 38 general insurers, and 4 reinsurers operating in Indonesia in the period of 2011 to 2015. Robust random effects regression result shows that premium risk factor has a negative impact on risk taking whereas reserve risk factor, independence of board of commissioners, and foreign ownership positively affect risk taking. Meanwhile, no significant impact is found from market, credit, and liquidity risk factors, Government rsquo s ownership, and state owned enterprises rsquo ownership on risk taking."