PENGARUH RISK BASED CAPITAL, EARLY WARNING SYSTEM TERHADAP TINGKAT KESEHATAN KEUANGAN ASURANSI SYARIAH TAHUN 2020-2024

Farazty, Amalia (2026) PENGARUH RISK BASED CAPITAL, EARLY WARNING SYSTEM TERHADAP TINGKAT KESEHATAN KEUANGAN ASURANSI SYARIAH TAHUN 2020-2024. Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Penelitian ini mengisi celah penelitian (research gap) yang ada dengan menggabungkan RBC dan EWS dalam satu kerangka analisis yang komprehensif untuk memberikan pemahaman menyeluruh terhadap kesehatan keuangan perusahaan asuransi jiwa syariah. Penelitian ini bertujuan untuk menganalisis pengaruh Risk-Based Capital (RBC) dan Early Warning System (EWS) terhadap tingkat kesehatan keuangan perusahaan asuransi jiwa syariah di Indonesia, yang diukur melalui Return on Asset (ROA). Penelitian ini dilatarbelakangi oleh pentingnya pengelolaan modal dan risiko dalam menjaga stabilitas serta keberlanjutan operasional perusahaan asuransi syariah. Sampel penelitian terdiri dari tujuh perusahaan asuransi jiwa syariah yang dipilih berdasarkan ketersediaan laporan keuangan periode 2020–2024. Hasil penelitian menunjukkan bahwa RBC dan EWS berpengaruh signifikan terhadap ROA, baik secara parsial maupun simultan. RBC memiliki pengaruh positif terhadap ROA, meskipun kontribusinya tidak sebesar faktor lain seperti efisiensi operasional dan diversifikasi investasi. Sementara itu, EWS berperan penting dalam mengelola risiko klaim dan mendukung profitabilitas melalui tindakan preventif terhadap potensi masalah keuangan. Kata Kunci : RBC; EWS; Kesehatan Keuangan; Perusahaan Asuransi Syariah. ABSTRACT This research fills the existing research gap by combining RBC and EWS in one comprehensive analytical framework to provide a comprehensive understanding of the financial health of Islamic life insurance companies. This study aims to analyze the influence of RiskBased Capital (RBC) and Early Warning System (EWS) on the level of financial health of Islamic life insurance companies in Indonesia, as measured through Return on Asset (ROA). This research is motivated by the importance of capital and risk management in maintaining the stability and sustainability of Islamic insurance companies' operations. The research sample consisted of seven sharia life insurance companies selected based on the availability of financial statements for the 2020–2024 period. The results showed that RBC and EWS had a significant effect on ROA, both partially and simultaneously. RBC has a positive influence on ROA, although its contribution is not as large as other factors such as operational efficiency and investment diversification. Meanwhile, EWS plays an important role in managing claims risk and supporting profitability through preventive measures against potential financial problems. Keywords: RBC; EWS; Financial Health; Sharia Insurance Company.

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