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Contact Name
Dwi Haryanto
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haryantodwi2011@gmail.com
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+6285227677704
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puslitdimasstmat@gmail.com
Editorial Address
Kampus C Trisakti Jl. Jend. A. Yani. Kav. 85, Jakarta Timur, DKI Jakarta 13210
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Kota adm. jakarta timur,
Dki jakarta
INDONESIA
Premium: Insurance Business Journal
ISSN : 20868588     EISSN : 27463427     DOI : https://doi.org/10.35904/pre
Core Subject : Economy, Social,
Premium Insurance Business Journal (PIBJ) adalah jurnal nasional yang dikelola oleh Pusat Penelitan dan Pengabdian Kepada Masyarakat (Puslitdimas) Sekolah Tinggi Manajemen Asuransi Trisakti. Jurnal Premium fokus menerbitkan artikel-artikel yang berkaitan dengan Asuransi, Aktuaria, Manajemen Risiko, Marketing, Manajemen Keuangan, Bisnis dan Ekonomi. Fokus dan Ruang Lingkup Asuransi (Umum, Jiwa, Syariah, Reasuransi, Broker, dll) Aktuaria Manajemen Risiko Marketing Manajemen Keuangan Ekonomi dan Bisnis
Articles 18 Documents
ANALISIS EARLY WARNING SYSTEM BERDASARKAN TINGKAT PERMODALAN PERUSAHAAN ASURANSI I Nyoman Winata
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Abstract

This research has purposes: 1. to analyse the underwriting differences in ratio between a paid-up capital of less than Rp. 150 bn and a paid-up capital of inequality greater than Rp. 150 bn among insurance companies, 2. to analyse the impact of the underwriting differences in ratio between a paid-up capital of less than Rp. 150 bn and a paid-up capital of inequality greater than Rp. 150 bn among insurance companies.The hypotheses of this research are: 1. There are underwriting differences in ratio between a paid-up capital of less than Rp. 150 bn and a paid-up capital of inequality greater than Rp. 150 bn among companies that have gone public at BEI, 2. The undewriting differences in ratio between a paid-up capital of less than Rp. 150 bn and a paid-up capital of inequality greater than Rp. 150 M have a negative impact for insurance companies that have gone public at BEI, this means that the insurance companies that have a paid-up capital of inequality greater than Rp. 150 bn do not necessarily have a higher degree of underwriting differences in ratio. The method of data analysis used is a statistic test that is used to analyse the underwriting differences in ratio between a paid-up capital of less than Rp.150 bn and a paid-up capital of inequality greater than Rp. 150 bn among companies that have gone public at BEI. The results of the different test research (independent sample t-test) show that there are underwriting differences in ratio between a paid-up capital of less than Rp. 150 bn and a paid-up capital of inequality greater than Rp. 150 bn for companies that have gone public at BEI. The average underwriting ratio between a paid-up capital of less than Rp. 150 bn is much better compared to the average of underwriting ratio of a paid-up capital of an inequality greater than Rp. 150 bn. Thus the policy impact to determine a minimum paid-up capital for insurance companies has not been able to give improvement in the increase of underwriting ratio, this means the policy to determine a paid-up capital for insurance companies that have gone public have not given a positive result.
ANALISIS MODEL EMPIRIK DALAM MELANJUTKAN STUDI DI PERGURUAN TINGGI DI BIDANG ASURANSI Fanny Novika; Muhammad Irwandi
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Abstract

Empirical analysis is an analysis obtained from data that has been observed by a researcher conducted through an experiment or making data on its own. One empirical analysis used is the Structural Equation Model (SEM). SEM is based on causality, where changes in one variable will change the other variables. One form of relationship patterns can be described through path analysis obtained using the SPSS application. Before the data is analyzed, test the reliability of the data with Cronbach’s Alpha. The experimental data used in this study were the analysis of the factors that cause students to continue their studies in university (economic factors, parental education and family environment) and analysis of the factors that cause students to choose to continue their studies in insurance (welfare factors after graduation and interest). On the data of continuing studies in university, the Cronbach's Alpha score is 0.804 and on the data of continuing study interest is 0.862. Both data are greater than 0.6 so it can be said that both data are reliabel. The data of continuing studies in university, which have the highest level of effect on continuing studies to tertiary education is parental education. In the interest analysis data which has a higher effect to measure interest in continuing studies in the insurance field is the level of economic welfare.
SURVEY KUALITAS PELAYANAN BPJS KESEHATAN TERHADAP PETAMBAK BUDIDAYA UDANG DI KABUPATEN INDRAMAYU Robidi; Rukaesih A. Maolani; Supriyadi Sapolo
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Abstract

As we have known, that now shrimp is an export commodities that fairly developing from year to year, so that the Marine and Fisheries sector is one of the sourches of national economic growth. Accordingly, shrimp farmer cultivation are the assets whose needed by us to improve the economy in the fisheries sector. Therefore, it is appropriate they get concern from Government for preserve the health of the farmer cultivation and their families. The research conducted aim for known: (1) The level of quality of Health’s BPJS Insurance services for patients of shrimp farmer cultivation and their families, (2) To find out what the difficulties directly experienced by farmers when they came to seek treatment at both the Health Center and the Hospital. The research carried out in the Karangsong Village, Indramayu District, West Java Province to shrimp farmer cultivation within survey methods. The concluded of final research is shrimp farmers cultivation still didn’t satisfied with services officers in Health Center and Hospital. Another also, difficulties are the distance of shrimp farmer cultivation’s residence so far from Health Center and Hospital when they desire to get treatment of there and long in service because amount of some doctors on duty there.
PEMAHAMAN RISK CONTROL MELALUI TRANSFER DI PT SINERGI INDONESIA Tedy Ardiansyah; Agus Subrata
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Abstract

Besarnya risiko yang terjadi di dunia transportasi mempunyai hubungan dengan perusahaan logistik. Namun sayangnya hanya beberapa perusahaan logistik yang memahami perlindung risiko atau risk protection dari operasional kegiatan. Tujuan Penelitian ini untuk mengetahui antara lain: Mengetahui Model pengantisipasin risiko di perusahaan Logistik. Dimana Tools yang digunakan adalah Risk Transfer (Asuransi), Risk Management, Pemahaman Risk Control dan Risiko Terjadi. Maksud Risiko terjadi, mitigasi dilakukan post accident. Metode penelitian yang digunakan yaitu Penelitian yang menggunakan metode penelitian kualitatif, Teknik pengumpulan data mengunakan triangulasi data, teknik sampling berupa Purposive Sampling. Hasil yang didapat dari penelitian ini adalah: Dari hubungan Asosiasi cluster, hubungan antara Risk Transfer (asuransi), Pemahaman Risk Control dan Risk Management menghasilkan hubungan asosiatif yang kuat dengan Risk Transfer (Asuransi). Sebaliknya untuk Risiko Terjadi tidak mempunyai hubungan asosiatif dengan ketiga bagian lainnya yaitu Risk Transfer (Asuransi), Risk Management dan Pemahaman Risk Control. Implikasi dari penelitian ini perusahaan PT Sinergi Logistik Indonesia mampun secara baik melakukan pemahaman risk control melalui risk transfer sehingga perusahaan mampu secara optimal melakukan kegiatan operasional tanpa mengkhawatirkan risiko yang terjadi.
PENERAPAN MANAJEMEN RISIKO BAGI INDUSTRI PERASURANSIAN AGAR TETAP SURVIVE DAN KOMPETITIF DI ERA NEW NORMAL Achmad Sudiyar Dalimunthe
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Abstract

Pandemic covid-19 telah memberikan dampak bagi industri perasuransian di Indonesia dengan penurunan pertumbuhan pendapatan premi secara agregat dibandingkan tahun sebelumnya. Dengan belum ditemukannya penangkal covid-19, maka belum diketahui juga kapan berakhirnya pandemic yang berdampak kepada potensi penurunan lebih besar terhadap pertumbuhan industri asuransi karena pembatasan interaksi fisik serta penurunan daya beli masyarakat Indonesia. Pemerintah menerapkan pegaktifan kembali kegiatan bisnis dengan tetap memperhatikan protokol kesehatan membuat era baru bagi industri asuransi, sehingga perusahaan perasuransian harus mulai menerapkan manajemen risiko yang tepat agar tetap survive dan kompetitif. Perubahan proses bisnis asuransi akan berdampak kepada efektifitas dan efisiensi kerja serta pengendalian biaya. Proses bisnis asuransi mulai menerapkan system teknologi informasi agar dapat bersaing dan tetap mendapatkan kepercayaan dalam menjalankan kewajibannya kepada Tertanggung. Dukungan regulasi yang tepat sangat dibutuhkan agar proses bisnis asuransi secara digital dapat berjalan dengan baik, dan perusahaan perasuransian dapat survive dan kompetitif.
PENGARUH EXPERIENTIAL MARKETING DAN CITRA PERUSAHAAN TERHADAP WORD OF MOUTH (WOM) Esust Setiawati; Siti Rozinah
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Abstract

This study examines the impact of experiential marketing and image on word of mouth (WOM). The methode used explanatory survey with random sampling. The respondent in this study were 100 respondent. The data were analyzed using linier regression. The result showed experiential marketing don’t have significant on word of mouth and image variabels has significant on word of mouth. The both of variables have simultan on word of mouth.
SIMULASI PEMODELAN PELUANG KEBANGKRUTAN (RUIN PROBABILITY) PERUSAHAAN ASURANSI DENGAN ANALISIS PENDAPATAN PREMI DAN BEBAN KLAIM Erizal; Mutia Rachmawati Septiadi
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Abstract

Ruin probability an insurance companies is defined as condition where the ttotal claim expense that has to be paid is greater than the premium income plus the company’s initial capital. The insurance company has the funds to pay claims that derived from accumulated initial reserve and income of insurance from premiums that has payed. If the company’s funds at time t is smaller than 0 then the insurance company will going bankruptcy. Therefor will be analyzed the premium income that must obtained and the value of claim expense that must be certified by the insurance companies. If the premium income that must obtained is greater, so the funds of insurance company will greater too at the time-t to cover the next claim expense. Ruin probability in the insurance company can be predicted from the simulation of ruin probability model with claim expense frequency which happened at the same time between 0 and t is assumed distribution poisson and claim expense size is distribution exponential. This model could be used by insurance company to take decision when determaining premium whether surplus or ruin.
GAMBARAN JENIS RISIKO PENGELOLAAN BANTUAN SOSIAL SELAMA PANDEMI COVID-19 DI INDONESIA Wahyuari; I Made Indra; C. Nike Septivani; Dedi Kusdani
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Abstract

Risk management is very important for the continuity of a business or activity. If a disaster occurs, such as fire or damage, the company will suffer huge losses, which can hinder, disrupt or even destroy business continuity or operations. Risk management is a tool to protect the company from any possible harm. So that in the management of logistical assistance, especially when a disaster occurs, both natural and non-natural, a risk management effort is needed in order to reduce the impact of losses in operations. This research uses explanatory type. The samples in this study were derived from elements of government, academia and society with qualitatively managed data. The results of the study found 8 risk categories that occurred in the logistical assistance process during the Covid-19 pandemic in Indonesia, namely: policy risk, compliance risk, legal risk, fraud risk, reputation risk, reputation risk and operational risk.
ANALISIS BIPLOT UNTUK RETURN ON ASSET (ROA) DAN RETURN ON EQUITY (ROE) PADA PERUSAHAAN ASURANSI JIWA NASIONAL Fanny Novika; Amelia Saptyarani
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Abstract

Biplot analysis is a type of multivariate analysis used to solve problems or process data that involves many variables. The number of variables in a data often makes it difficult to represent the results. Therefore, Biplot is a media solution for describing the data in the summary table in a two dimensional graph. This analysis can be applied to find out information about the relative position, similarity of characteristics between objects and the diversity of variables or variables in the elements of return on assets and return on equity in national life insurance companies related to aspects of a health assessment and company grouping. The results of the biplot analysis show two categories, namely grouping based on biplot points and year variability. There are differences in the results of national life insurance groupings, namely the AJB Bumiputera 1912 company, Central Asia Raya Life Insurance, Equity Life Indonesia, Heksa Solution Insurance, Jiwasraya Insurance, Indosurya Sukses Life Insurance. Meanwhile, national life insurance companies that have the same characteristics for return on assets and return on equity are divided into 3 (three) groups. In the management aspect, namely related to life insurance companies that are stable and healthy in investing, ROA and ROE are shown by group III. The greatest and most dominant diversity of years for return on assets lies in 2018, while for return on equity, the greatest diversity is in 2019. There is a difference in the results of the variation in ROA and ROE due to the variable used differently. ROA shows aspects of assets consisting of liabilities and equity. If the acquisition of large assets, it can be used to pay corporate liabilities. ROE only shows from the side of equity without paying attention to liabilities.
ANALISIS KEBUTUHAN ASURANSI UNTUK PESERTA OLAHRAGA DIVING Robidi; Rukaesih A. Maolani; Budi Marsanto
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Abstract

Along with the development of marine tourism in Indonesia, diving is a type of sport that is increasingly in demands. Many diving associations have sprung up, making diving a new trend in society. Diving is an outdoor activity in the open sea that has risks to health and safety compared to other outdoor activities. Diving or scuba diving is a fairly safe activity, but there are many health and safety risks that can occur that must be considered. Based on several events experienced by divers that resulted in the loss of their lives, the problem in this study is formulated as follows: 1). Does scuba diving need insurance to mitigate the risk of accidents that may be experienced while doing their activities, 2). What type of insurance is required. The results showed that scuba diving activities need insurance and the types of insurance required are: loss insurance and accident / life insurance. The research was conducted with a quantitative descriptive method. The results showed that the respondents are willing to participate in insurance

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