"[
ABSTRAKSalah satu opsi manajemen risiko bagi perusahaan asuransi adalah dengan
membagi atau mentransfer risiko yang ditanggungnya kepada perusahaan
asuransi lain, yang disebut reasuransi. Konsep reasuransi ini memberikan banyak
keuntungan bagi perusahaan asuransi, sekaligus membebani perusahaan dengan
biaya tertentu. Penelitian ini dilakukan untuk mengetahui faktor yang
memengaruhi kebutuhan jasa reasuransi pada perusahaan asuransi di Indonesia
dengan melihat aspek loss ratio, gearing ratio, tingkat debt to equity ratio,
volatilitas biaya klaim, volatilitas hasil investasi, jenis organisasi, dan konsentrasi
lini pertanggungan perusahaan. Dari hasil penelitian kepada perusahaan asuransi
kerugian sebanyak 64 perusahaan dari tahun 2010-2013, dapat ditarik kesimpulan
bahwa kebutuhan reasuransi: sebanding dengan tingkat loss ratio, volatilitas biaya
klaim, gearing ratio, dan ukuran perusahaan; berbanding terbalik dengan DER;
berbanding terbalik dengan derajat konsentrasi lini pertanggungan, dan
dipengaruhi oleh jenis organisasi perusahaan.
ABSTRACTAn option for risk management in insurance company is to transfer or divide their
risk to other insurance company, this called reinsurance. The concept of
reinsurance is very helpful for insurance company with some benefits, yet causes
some expenses. This study aimed to analyze what factors influence the demand of
reinsurance in Indonesia by considering loss ratio, gearing ratio, debt to equity
ratio, claim cost volatility, investment return volatility, organizational form, and
business concentration. From the study of 64 insurance company in Indonesia
during 2010 ? 2013, it can be concluded that the need of reinsurance is: in line
with degree of loss ratio, claim cost volatility, gearing ratio, and company?s asset;
inversely with DER and business concentration; also influenced by organizational
form.;An option for risk management in insurance company is to transfer or divide their
risk to other insurance company, this called reinsurance. The concept of
reinsurance is very helpful for insurance company with some benefits, yet causes
some expenses. This study aimed to analyze what factors influence the demand of
reinsurance in Indonesia by considering loss ratio, gearing ratio, debt to equity
ratio, claim cost volatility, investment return volatility, organizational form, and
business concentration. From the study of 64 insurance company in Indonesia
during 2010 ? 2013, it can be concluded that the need of reinsurance is: in line
with degree of loss ratio, claim cost volatility, gearing ratio, and company?s asset;
inversely with DER and business concentration; also influenced by organizational
form.;An option for risk management in insurance company is to transfer or divide their
risk to other insurance company, this called reinsurance. The concept of
reinsurance is very helpful for insurance company with some benefits, yet causes
some expenses. This study aimed to analyze what factors influence the demand of
reinsurance in Indonesia by considering loss ratio, gearing ratio, debt to equity
ratio, claim cost volatility, investment return volatility, organizational form, and
business concentration. From the study of 64 insurance company in Indonesia
during 2010 ? 2013, it can be concluded that the need of reinsurance is: in line
with degree of loss ratio, claim cost volatility, gearing ratio, and company?s asset;
inversely with DER and business concentration; also influenced by organizational
form.;An option for risk management in insurance company is to transfer or divide their
risk to other insurance company, this called reinsurance. The concept of
reinsurance is very helpful for insurance company with some benefits, yet causes
some expenses. This study aimed to analyze what factors influence the demand of
reinsurance in Indonesia by considering loss ratio, gearing ratio, debt to equity
ratio, claim cost volatility, investment return volatility, organizational form, and
business concentration. From the study of 64 insurance company in Indonesia
during 2010 ? 2013, it can be concluded that the need of reinsurance is: in line
with degree of loss ratio, claim cost volatility, gearing ratio, and company?s asset;
inversely with DER and business concentration; also influenced by organizational
form.;An option for risk management in insurance company is to transfer or divide their
risk to other insurance company, this called reinsurance. The concept of
reinsurance is very helpful for insurance company with some benefits, yet causes
some expenses. This study aimed to analyze what factors influence the demand of
reinsurance in Indonesia by considering loss ratio, gearing ratio, debt to equity
ratio, claim cost volatility, investment return volatility, organizational form, and
business concentration. From the study of 64 insurance company in Indonesia
during 2010 ? 2013, it can be concluded that the need of reinsurance is: in line
with degree of loss ratio, claim cost volatility, gearing ratio, and company?s asset;
inversely with DER and business concentration; also influenced by organizational
form., An option for risk management in insurance company is to transfer or divide their
risk to other insurance company, this called reinsurance. The concept of
reinsurance is very helpful for insurance company with some benefits, yet causes
some expenses. This study aimed to analyze what factors influence the demand of
reinsurance in Indonesia by considering loss ratio, gearing ratio, debt to equity
ratio, claim cost volatility, investment return volatility, organizational form, and
business concentration. From the study of 64 insurance company in Indonesia
during 2010 – 2013, it can be concluded that the need of reinsurance is: in line
with degree of loss ratio, claim cost volatility, gearing ratio, and company’s asset;
inversely with DER and business concentration; also influenced by organizational
form.]"
