PENGARUH PENDAPATAN PREMI, BEBAN KLAIM DAN HASIL INVESTASI TERHADAP LABA PERUSAHAAN ASURANSI UMUM DI INDONESIA

Abstract

This research was conducted in order to find out the effect of gross premium income, gross claim expense, and investment income to the general insurance profits in Indonesia in 2007-2016. This research used the secondary data that were obtained from Statistical Books of Insurance in 2007-2016 issued by Financial Service Authority. The sampling technique used a simple random sampling with table of random numbers and helped by using statistical program SPSS 20 edition. The results of this research are: (1) Partially variable 𝑋1 has no effect on variable Y; (2) Partially variable 𝑋2 has no effect on variable Y; (3) Partially variable 𝑋3 has effect on variable Y; (4) Simultaneously variables 𝑋1, 𝑋2, and 𝑋3 have effect on variable Y. Although the results of this study indicate that gross premium income and gross claims expense do not affect profits partially but still must be considered by the general insurance company that the gross premium income is the main income earned and the gross claim expense is the main responsibility issued.