PENGARUH PENDAPATAN PREMI ASURANSI DAN HUBUNGANNYA DENGAN BEBAN KLAIM TERHADAP LABA BERSIH PERUSAHAAN (STUDI KASUS PADA PT. JASA RAHARJA)
Abstract
ABSTRAK
PT. Jasa Raharja adalah salah satu lembaga keuangan non bank, yaitu jasa asuransi. Suatu lembaga penghimpun dana yang bersumber dari pendapatan premi asuransi dari masyarakat, dan pengeluarannya yang berbentuk beban klaim. Pendapatan dan beban sangat mempengaruhi laba perusahaan.Untuk mengetahui besarnya pengaruh antara pendapatan premi, beban klaim dengan laba maka perlu dilakukan analisa korelasi dan regresi linear berganda.Metode pengumpulan data dalam penelitian adalah metode observasi dan studi pustaka dengan metode analisis kuantitatif yaitu metode analisis data menggunakan analisis statistik. Setelah dianalisa, nilai sig regresi yang didapat antara pendapatan premi terhadap laba bersih (Y) sebesar 0,001 < 0,05. Antara beban klaim terhadap laba bersih (Y) sebesar 0,068> 0,05. Dan nilai sig regresi antara pendapatan premi dan beban klaim terhadap laba bersih (Y) sebesar 0,000 <0,05.
Kata kunci: Pendapatan premi, Beban klaim, Laba bersih
ABSTRACT
PT. Jasa Raharja is one of the non-bank financial institutions, namely insurance services. A fund raising institution sourced from the insurance premium income of the community, and expenses that are claim claims. Revenue and expenses greatly affect the company's earnings. To know the effect of premium income, claims burden with profit then it is necessary to do correlation analysis and multiple linear regression. Data collection methods in the preparation of the Final Project is the method of observation and literature study with quantitative analysis method is the method of data analysis using statistical analysis. After analyzed, the regression sig value obtained between premium income to net income (Y) of 0.001<0,05. Between claims charge to net income (Y) of 0,068>0,05. And the regression sig value between premium income and claims charge to net income (Y) of 0.000<0,05.
Key Words: Premium Income, Claim Expense, Net Income
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