EARLY WARNING SYSTEM DAN PERTUMBUHAN PENDAPATAN KONTRIBUSI PADA PERUSAHAAN ASURANSI JIWA SYARIAH DI INDONESIA

Maria Oktaviani

Abstract


The background of this study was the lack of awareness Indonesian society toward syariah life insurance and it needed to be investigated whether there was a problem on its financial instruments by using Early Warning System ratio. The purpose of this study was to prove the influence of Early Warning System ratio for contribution revenue growth syariah life insurance companies in Indonesia period 2010-2013. The sampling technique used was purposive sampling. Samples that acquired the criteria were 10 companies. Data were analyzed using multiple linear regression. The ratio of the Early Warning System consisted of 6 solvencies: solvency margin ratio, change in surplus ratio, return on investment ratio, liquidity ratio, agent's balance to surplus ratio and technical ratio. The result of this study was Early Warning System ratio influenced simultaneously on contribution revenue growth ratio and partial contribution of technical ratio influenced positively to contribution revenue growth ratio. So, Early Warning System ratio could be applied in order to increase contribution revenue growth of life insurance syariah units companies.


Keywords


early warning system ratio, contribution revenue growth ratio, life insurance, syariah unit

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DOI: https://doi.org/10.26905/jkdp.v19i2.849

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Jurnal Keuangan dan Perbankan (Journal of Finance and Banking)

Diploma Program of Banking and Finance, Faculty of Economics and Business, University of Merdeka Malang

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