PENGARUH INFLASI, RISK BASED CAPITAL DAN EARLY WARNING SYSTEM TERHADAP PERTUMBUHAN LABA BERSIH PADA PERUSAHAAN ASURANSI JIWA SYARIAH DI INDONESIA PERIODE 2015-2024

Rosalia, Keisa Puti Lutfa (2026) PENGARUH INFLASI, RISK BASED CAPITAL DAN EARLY WARNING SYSTEM TERHADAP PERTUMBUHAN LABA BERSIH PADA PERUSAHAAN ASURANSI JIWA SYARIAH DI INDONESIA PERIODE 2015-2024. Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Penelitian ini bertujuan untuk menganalisis pengaruh inflasi, Risk Based Capital (RBC), dan Early Warning System (EWS terhadap pertumbuhan laba bersih pada perusahaan asuransi jiwa syariah di Indonesia periode 2015–2024. Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder berupa laporan keuangan lima perusahaan asuransi jiwa syariah yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan regresi data panel dengan bantuan E-Views. Hasil penelitian menunjukkan bahwa secara parsial inflasi berpengaruh positif namun tidak signifikan terhadap pertumbuhan laba bersih. Risk Based Capital (RBC) berpengaruh negatif namun tidak signifikan, sedangkan Early Warning System (EWS) berpengaruh positif namun tidak signifikan terhadap pertumbuhan laba bersih. Secara simultan, inflasi, RBC, dan EWS tidak berpengaruh signifikan terhadap pertumbuhan laba bersih perusahaan asuransi jiwa syariah di Indonesia. Hasil penelitian ini menunjukkan bahwa faktor inflasi, kecukupan modal, dan indikator peringatan dini belum mampu menjelaskan perubahan pertumbuhan laba bersih secara signifikan selama periode penelitian. Kata Kunci: Inflasi, Risk Based Capital, Early Warning System, Pertumbuhan Laba Bersih. ABSTRACT This study aims to analyze the effect of inflation, Risk Based Capital (RBC), and Early Warning System (EWS) on the net profit growth of Islamic life insurance companies in Indonesia during the 2015–2024 period. This research employed a quantitative approach using secondary data from the annual financial statements of five Islamic life insurance companies selected through purposive sampling. Panel data regression analysis was conducted using E-Views. The results show that, partially, inflation has a positive but insignificant effect on net profit growth. Risk Based Capital (RBC) has a negative but insignificant effect, while the Early Warning System (EWS) has a positive but insignificant effect on net profit growth. Simultaneously, inflation, RBC, and EWS do not have a significant effect on the net profit growth of Islamic life insurance companies in Indonesia. These findings indicate that the three variables have not been able to significantly explain changes in net profit growth during the study period. Keywords: Inflation, Risk Based Capital, Early Warning System, Net Profit Growth.

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