The Influence of Premium Income, Underwriting and Investment Results on Profits Towards Joint Venture General Insurance Companies in Indonesia

Amani, Zati; Markonah, Markonah

doi:10.31933/dijms.v1i4.188

Cited by 2 publications

(4 citation statements)

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“…H1 in this study can be categorized as accepted because the hypothesis follows the results of data analysis which can explain that premium income significantly affects net profit. The results of this research correspond to proprietary research (Wahyuddin & Mauliyana, 2021), (Yolanda, 2020), (Juwita & Rindiati, 2020), (Nurochim, 2020), (Nainggolan & Soemitra, 2020), (Amani & Markonah, 2020), and (Wulandari et al, 2019) whose also said that premium income has a significant effect on net profit.…”

Section: Effect Of Premium Income On Net Profitsupporting

confidence: 84%

“…The results of Nurochim (2020) investment have a significant effect on profits. In contrast, the results of Amani & Markonah (2020) investment did not significantly affect profits. Haniva (2018) results that claims significantly affects profits.…”

Section: Introductioncontrasting

confidence: 56%

“…Meanwhile, the fee (ujrah) part was the company's income to finance operating activities (Bayinah et al, 2019). The result on research Wahyuddin & Mauliyana (2021), Yolanda (2020), Juwita & Rindiati (2020), Nurochim (2020), Nainggolan & Soemitra (2020), Amani &Markonah (2020), andWulandari et al,s (2019) said that premium income had a significant effect on profits. In contrast, on research Reschiwati & Solikhah (2018), premium income did not significantly affect profits.…”

Section: Premium Incomementioning

confidence: 99%

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The Effect of Premium Income, Investment Returns, Claim Expenses, and Operating of Net Profit on Sharia Life Insurance Company

Hissiyah

Meylianingrum²

2023

IJIBE

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Risk is a potential loss that a company cannot predict. However, risks can be mitigated by dividing or enduring each other. This research wants to re-examine the research gap with the same theme. This research uses quantitative methods with a descriptive approach. The results showed that premium income and investment returns partially affected net profit. In contrast, claim expenses and operating expenses did not have a significant effect on net profit. Then simultaneous test results show that Premium Income, Investment Returns, Claim Expenses, and Operating Expenses to Net Profit together or simultaneously have a significant effect on net profit in Sharia life insurance.

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Section: Effect Of Premium Income On Net Profitsupporting

confidence: 84%

Section: Introductioncontrasting

confidence: 56%

Section: Premium Incomementioning

confidence: 99%

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The Effect of Premium Income, Investment Returns, Claim Expenses, and Operating of Net Profit on Sharia Life Insurance Company

Hissiyah

Meylianingrum²

2023

IJIBE

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“…Profit from underwriting is calculated by subtracting the amount of money spent on claims and other expenditures from the total amount of money earned from insurance premiums (Mwangangi, 2020). Profits from underwriting that are higher than expected suggest that the firm is successfully controlling the risks it faces and bringing in more money than it is shelling out to cover claims and other expenditures (Amani & Markonah, 2020). Studies that were conducted in the real world provide evidence that there is a favorable connection between underwriting profit and profitability.…”

Section: Literature Reviewmentioning

confidence: 99%

Do underwriting profit factors affect general insurance firms’ profitability in South Africa?

Sthembiso Msomi

2023

Insurance Markets and Companies

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This research paper examines the correlation between underwriting profit factors and the overall profitability of publicly traded general insurance companies operating in South Africa. The study analyzed a sample of 36 insurers, considering their quantifiable markets and accessible financial data from 2008 to 2019. Employing signal correlation analysis, the investigation explored the associations between various financial indicators and Return on Assets (ROA). The results revealed negative correlations between ROA and the logarithms of total investment (TI), shareholder funds (SF), and underwriting profits (UWP), with correlation coefficients of –0.4500, –0.3365, and –0.4050, respectively. These findings indicate that as TI, SF, and UWP increase, there is a tendency for ROA to decrease for general insurance companies in South Africa. Furthermore, a positive relationship was observed between the earning-asset ratio and ROA. This suggests that as the earning-asset ratio rises, the ROA of general insurance firms in South Africa tends to improve, indicating a potentially favorable impact on profitability. The significant findings of this study emphasize the importance of prioritizing effective risk management practices within insurance firms. By implementing these measures, such as minimizing the likelihood of claims and ensuring accurate reflection of assumed risks in premium charges, insurance companies can maintain positive underwriting profit. This, in turn, has the potential to enhance their overall profitability.

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The Influence of Premium Income, Underwriting and Investment Results on Profits Towards Joint Venture General Insurance Companies in Indonesia

Cited by 2 publications

References 0 publications

The Effect of Premium Income, Investment Returns, Claim Expenses, and Operating of Net Profit on Sharia Life Insurance Company

The Effect of Premium Income, Investment Returns, Claim Expenses, and Operating of Net Profit on Sharia Life Insurance Company

Do underwriting profit factors affect general insurance firms’ profitability in South Africa?

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