Safitri, Dita Indah and Yenny Kornitasari, S.E., M.E., (2023) Determinan Surplus Underwriting Dana Tabarru’ Pada Pt Prudential Sharia Life Assurance Periode 2016-2021. Sarjana thesis, Universitas Brawijaya.
Abstract
Penelitian ini dilatarbelakangi banyaknya kasus gagal bayar asuransi konvensional yang turut menanamkan stigma negatif terhadap asuransi syariah. Padahal, pada prosesnya asuransi syariah menggunakan manajemen underwriting dana tabarru’ dalam proses operasionalnya sehingga mampu meminimalisir gagal bayar. Dengan menggunakan Prudential Syariah sebagai objek penelitian periode 2016-2021, penelitian ini bertujuan untuk mengetahui determinan surplus underwriting dana tabarru’. Penelitian memanfaatkan pendekatan kuantitatif dengan model analisis regresi linear berganda metode purposive sampling. Hasil penelitian mengungkapkan: (i) surplus underwriting dana tabarru’ dipengaruhi secara negatif dan signifikan oleh kontribusi neto; (ii) surplus underwriting dana tabarru’ dipengaruhi secara negatif dan signifikan oleh beban klaim; (iii) surplus underwriting dana tabarru’ dipengaruhi secara positif dan signifikan oleh hasil investasi; (iv) surplus underwriting dana tabarru’ dipengaruhi secara negatif dan signifikan oleh BI-7 Day-RR. Melalui hasil tersebut, Prudential Syariah diharapkan dapat menjaga kestabilan surplus underwriting dana tabarru’ melalui investasi yang tepat dengan memperhatikan faktor pengaruhnya. Proses akseptasi juga perlu semakin selektif agar meminimalisir risiko sehingga kejadian gagal bayar dapat dihindari untuk kedepannya. Penelitian ini diharapkan mampu menjadi rujukan pengambilan keputusan atas surplus underwriting dana tabarru’ dan menambah referensi terkait manajemen underwriting.
English Abstract
This research is motivated by the many cases of conventional insurance defaults, which have contributed to instilling a negative stigma against sharia insurance. In fact, in the process, Islamic insurance uses underwriting management of tabarru funds in its operational procedures to minimize default. By using Prudential Syariah as a research object for the 2016-2021 period, this study aims to determine the determinants of the underwriting surplus of tabarru funds. The research utilizes a quantitative approach with multiple linear regression analysis models using a purposive sampling method. The results of the study reveal: (i) the underwriting surplus of tabarru' funds is negatively and significantly affected by the net contribution; (ii) the underwriting surplus of tabarru' funds is negatively and significantly affected by claims expenses; (iii) the underwriting surplus of tabarru' funds is positively and significantly influenced by investment returns; (iv) the underwriting surplus of tabarru' funds was negatively and significantly affected by the BI-7 Day-RR. Through these results, Prudential Syariah is expected to maintain the stability of the underwriting surplus of tabarru' funds through suitable investment by considering the influence factors. The acceptance process also needs to be more selective to minimize risks so that defaults can be avoided in the future. This research may contribute to being a reference for decision-making regarding the underwriting surplus of tabarru funds and add concerns related to underwriting management.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | :0523020184 |
| Uncontrolled Keywords: | kontribusi neto; beban klaim; hasil investasi; BI-7 Day-RR; surplus underwriting dana tabarru’ |
| Subjects: | 300 Social sciences > 330 Economics |
| Depositing User: | Unnamed user with username nova |
| Date Deposited: | 01 Dec 2023 02:29 |
| Last Modified: | 01 Dec 2023 02:29 |
| URI: | http://repository.ub.ac.id/id/eprint/204867 |
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Text (DALAM MASA EMBARGO)
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