EVALUASI PENENTUAN TARIF PREMI ASURANSI BEASISWA CATUR KARSA PADA PT ASURANSI JIWA SRAYA (PERSERO) (Studi pada PT Asuransi Jiwasraya Kantor Cabang Kediri)

Khoiruti, Nila (2006) EVALUASI PENENTUAN TARIF PREMI ASURANSI BEASISWA CATUR KARSA PADA PT ASURANSI JIWA SRAYA (PERSERO) (Studi pada PT Asuransi Jiwasraya Kantor Cabang Kediri). Other thesis, University of Muhammadiyah Malang.

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Abstract

This study was study case on life insurance Service Company, entitled “Evaluation of “Catur Karsa” Scholarship Premium Rate Determination at PT. Jiwasraya Insurance, Ltd. (Study on Branch Office of PT Jiwasraya Insurance of Kediri). The objective of this study was to know and evaluate whether premium rate was PT Jiwasraya Insurance (Ltd.) performed has already proper. In this study writer was took hypothesis, that premium rate determination was conducted by this company has not been proper. Analysis instrument was used annuity method had already discounted based on mortality table to now whether premium rate determination was used in this company had already proper. The benchmark to determine that it has already appropriate was if calculation result according to theory equal to company calculation result. In analyzing data, it was limited by money insurance of Rp3.000.000,00, Rp 5.000.000,00, Rp10.000.000,00, Rp15.000.000,00, Rp20.000.000. Age of insured when entered into insurance was 30 years old and children age of 0 mounth by insurance duration of 18 years, interest rate was charged for calculation based on annuity method was 3% and the number of customer were 5 people. Discounting analysis results and standard rate calculation, based on measurement used, was showed results of premium rate calculation according to theory standard was not equal to company calculation results. Thus, premium rate determination was PT Jiwasraya Insurance set has not appropriate and hypothesis accepted. This inappropriateness due to the premium must insure paid less than premium rate calculation from annuity result. Based on conclusion above, writer could be implied that better for PT Jiwasraya Insurance management to rise premium rate, then if there is risk to insure, company able to pay for claims.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management
Divisions: Faculty of Economic > Department of Management
Depositing User: Rayi Tegar Pamungkas
Date Deposited: 18 Jul 2012 02:51
Last Modified: 18 Jul 2012 02:51
URI: http://eprints.umm.ac.id/id/eprint/12317

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