ANALISIS PENGARUH PENDAPATAN PREMI BRUTO DAN BEBAN KLAIM BRUTO TERHADAP LABA BERSIH SEBELUM DAN SAAT PANDEMI COVID-19 PADA PT ASURANSI ZZZ

Abstract

Fernando Daniel. Analysis of the Effect of Gross Premium Income and Gross Claim Expenses on Net Profit before and during the COVID-19 Pandemic at PT  Asuransi ZZZ. Supervised by Mr. Y. Jhony Kurniawan, S.Pd., M.M. and  Fida Fathiyah Addini, M.Si. The COVID-19 pandemic is an event of the spread of the coronavirus disease 2019 (English: Coronavirus disease 2019, abbreviated as COVID-19) worldwide for all countries. The insurance industry in Indonesia has experienced significant development from year to year. However, in the era of the COVID-19 pandemic, many companies found it difficult to operate due to government regulations so that company performance was hampered and the  company's burden increased. This research was conducted to determine and  analyze the effect of gross premium income, gross claims expense on net  profit before and during the COVID-19 pandemic at PT Asuransi ZZZ. The data analysis method used in this study is a multiple linear regression method.  This research is included in quantitative research, namely the data used are financial reports for the period January 2017 to September 2022 obtained from  PT Asuransi ZZZ which is the object of this research. Based on the results of this study it can be seen that the growth of the independent variables, namely gross premium income and gross claims expense at PT Asuransi ZZZ, has increased and decreased every month. While the growth of the dependent variable, namely net income, has fluctuated. The results of the F test show that the variable gross premium income and gross claims expenses do not simultaneously have a significant effect on net profit before and during the COVID-19 pandemic. And based on the results of the t test, it shows that gross claims have a negative but significant effect on net profit before the COVID-19 pandemic.