FAKTOR-FAKTOR YANG MEMPENGARUHI UNDERWRITER DALAM AKSEPTASI PRODUK ASURANSI KREDIT PADA PT ASURANSI ASKRIDA KANTOR CABANG JAKARTA

Chairunnismi Dyara, Mulawarman Awaloedin, M. Nasyubun

Abstract


This study aims to determine the factors that influence underwriters in making decisions about credit insurance products at PT. Askrida Insurance Jakarta branch office. This research was conducted with a qualitative method. This method is based on the need for research to be carried out, namely, to explore the factors that influence underwriters in accepting or rejecting a risk in financing protection insurance. Methods of this study uses a qualitative method. Data collection was carried out by interviewing 1 main informant and 2 other supporting informants to compare whether there were differences in them. By using the data validation technique, researcher also attached the risk data that is rejected or accepted by the underwriter of PT. Asuransi Bangun Askrida Jakarta branch office to corroborate the facts from the data taken. The results of this study indicate that there is one main factor originating from outside the underwriting and two factors originating from the underwriting capability, namely the Cooperation Agreement between the insurer and the insured, the underwriter's authority, and the work experience of the underwriter.

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