ANALISIS PENGARUH PENDAPATAN PREMI DAN BEBAN KLAIM TERHADAP LABA BERSIH PT AIA FINANCIAL

Aurora Delana, Oties Tejamirah, Andreas Freddy Pieloor

Abstract


This study aims to determine how much influence the premium income and  claim expenses on net income partially and simultaneously. This research was conducted at PT AIA Financial in the 2010-2018 period. Data processing was carried out by descriptive analysis, multiple linear regression analysis, classical assumption test (normality test, autocorrelation test, multicollinearity test, and heteroskesdasticity test), hypothesis testing (t test and F test), and determination coefficient test. The results of the analysis of this study indicate that Premium Income (X1) is a variable that affects Net Income (Y) while Claim Expenses (X2) negatively affects Net Profit (Y). And there is a simultaneous influence between the Premium Income variable (X1) and Claims Expense (X2) on Net Income (Y). The coefficient of determination test results showed that the contribution of the two independent variables to the dependent variable was 62.7%.

This study aims to determine how much influence the premium income and  claim expenses on net income partially and simultaneously. This research was conducted at PT AIA Financial in the 2010-2018 period. Data processing was carried out by descriptive analysis, multiple linear regression analysis, classical assumption test (normality test, autocorrelation test, multicollinearity test, and heteroskesdasticity test), hypothesis testing (t test and F test), and determination coefficient test. The results of the analysis of this study indicate that Premium Income (X1) is a variable that affects Net Income (Y) while Claim Expenses (X2) negatively affects Net Profit (Y). And there is a simultaneous influence between the Premium Income variable (X1) and Claims Expense (X2) on Net Income (Y). The coefficient of determination test results showed that the contribution of the two independent variables to the dependent variable was 62.7%.


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