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Abstrak :
Tesis ini membahas bentuk tanggung jawab perusahaan reasuransi terhadap pihak tertanggung apabila penanggung tidak dapat melaksanakan kewajibannya kepada pihak tertanggung dan hubungan antara pihak tertanggung dengan pihak penanggung ulang yang diatur di dalam Kitab Undang-Undang Hukum Perdata. Penelitian ini merupakan penelitian kualitatif dengan desain deskriptif analitis. Hasil penelitian ini menyarankan agar cadangan teknis seperti yang dimaksud dalam Pasal 14 ayat (1) PP No. 73 Tahun 1992 Tentang Penyelenggaraan Usaha Perasuransian harus diperbesar lagi jumlahnya, sehingga hak tertanggung untuk menerima pembayaran klaim atas kerugian yang dideritanya dapat lebih terjamin. ......The focus of this study discusses about reinsurance company responsibility to the insured if the insurer fails to execute its obligations to the insured and the relationship between the insured with the reinsurer arranged in the Indonesian Civil Code. This research is qualitative research with descriptive analytic design. The results of this study suggest that the technical reserved as referred to in Article 14 paragraph (1) Government Regulation Number 73 Year 1992 about Operation of Insurance Bussiness should be expanded further in number, so that the insured?s right to receive payment of claims for damages suffered can be more assured.

Abstrak :
[ABSTRAK
Salah satu opsi manajemen risiko bagi perusahaan asuransi adalah dengan membagi atau mentransfer risiko yang ditanggungnya kepada perusahaan asuransi lain, yang disebut reasuransi. Konsep reasuransi ini memberikan banyak keuntungan bagi perusahaan asuransi, sekaligus membebani perusahaan dengan biaya tertentu. Penelitian ini dilakukan untuk mengetahui faktor yang memengaruhi kebutuhan jasa reasuransi pada perusahaan asuransi di Indonesia dengan melihat aspek loss ratio, gearing ratio, tingkat debt to equity ratio, volatilitas biaya klaim, volatilitas hasil investasi, jenis organisasi, dan konsentrasi lini pertanggungan perusahaan. Dari hasil penelitian kepada perusahaan asuransi kerugian sebanyak 64 perusahaan dari tahun 2010-2013, dapat ditarik kesimpulan bahwa kebutuhan reasuransi: sebanding dengan tingkat loss ratio, volatilitas biaya klaim, gearing ratio, dan ukuran perusahaan; berbanding terbalik dengan DER; berbanding terbalik dengan derajat konsentrasi lini pertanggungan, dan dipengaruhi oleh jenis organisasi perusahaan.

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ABSTRACT
An option for risk management in insurance company is to transfer or divide their risk to other insurance company, this called reinsurance. The concept of reinsurance is very helpful for insurance company with some benefits, yet causes some expenses. This study aimed to analyze what factors influence the demand of reinsurance in Indonesia by considering loss ratio, gearing ratio, debt to equity ratio, claim cost volatility, investment return volatility, organizational form, and business concentration. From the study of 64 insurance company in Indonesia during 2010 ? 2013, it can be concluded that the need of reinsurance is: in line with degree of loss ratio, claim cost volatility, gearing ratio, and company?s asset; inversely with DER and business concentration; also influenced by organizational form.;An option for risk management in insurance company is to transfer or divide their risk to other insurance company, this called reinsurance. The concept of reinsurance is very helpful for insurance company with some benefits, yet causes some expenses. This study aimed to analyze what factors influence the demand of reinsurance in Indonesia by considering loss ratio, gearing ratio, debt to equity ratio, claim cost volatility, investment return volatility, organizational form, and business concentration. From the study of 64 insurance company in Indonesia during 2010 ? 2013, it can be concluded that the need of reinsurance is: in line with degree of loss ratio, claim cost volatility, gearing ratio, and company?s asset; inversely with DER and business concentration; also influenced by organizational form.;An option for risk management in insurance company is to transfer or divide their risk to other insurance company, this called reinsurance. The concept of reinsurance is very helpful for insurance company with some benefits, yet causes some expenses. This study aimed to analyze what factors influence the demand of reinsurance in Indonesia by considering loss ratio, gearing ratio, debt to equity ratio, claim cost volatility, investment return volatility, organizational form, and business concentration. From the study of 64 insurance company in Indonesia during 2010 ? 2013, it can be concluded that the need of reinsurance is: in line with degree of loss ratio, claim cost volatility, gearing ratio, and company?s asset; inversely with DER and business concentration; also influenced by organizational form.;An option for risk management in insurance company is to transfer or divide their risk to other insurance company, this called reinsurance. The concept of reinsurance is very helpful for insurance company with some benefits, yet causes some expenses. This study aimed to analyze what factors influence the demand of reinsurance in Indonesia by considering loss ratio, gearing ratio, debt to equity ratio, claim cost volatility, investment return volatility, organizational form, and business concentration. From the study of 64 insurance company in Indonesia during 2010 ? 2013, it can be concluded that the need of reinsurance is: in line with degree of loss ratio, claim cost volatility, gearing ratio, and company?s asset; inversely with DER and business concentration; also influenced by organizational form.;An option for risk management in insurance company is to transfer or divide their risk to other insurance company, this called reinsurance. The concept of reinsurance is very helpful for insurance company with some benefits, yet causes some expenses. This study aimed to analyze what factors influence the demand of reinsurance in Indonesia by considering loss ratio, gearing ratio, debt to equity ratio, claim cost volatility, investment return volatility, organizational form, and business concentration. From the study of 64 insurance company in Indonesia during 2010 ? 2013, it can be concluded that the need of reinsurance is: in line with degree of loss ratio, claim cost volatility, gearing ratio, and company?s asset; inversely with DER and business concentration; also influenced by organizational form., An option for risk management in insurance company is to transfer or divide their risk to other insurance company, this called reinsurance. The concept of reinsurance is very helpful for insurance company with some benefits, yet causes some expenses. This study aimed to analyze what factors influence the demand of reinsurance in Indonesia by considering loss ratio, gearing ratio, debt to equity ratio, claim cost volatility, investment return volatility, organizational form, and business concentration. From the study of 64 insurance company in Indonesia during 2010 – 2013, it can be concluded that the need of reinsurance is: in line with degree of loss ratio, claim cost volatility, gearing ratio, and company’s asset; inversely with DER and business concentration; also influenced by organizational form.]