Setiap perusahaan asuransi kerugian diwajibkan oleh pemerintah melalui Departemen Keuangan untuk memenuhi Risk Based Capital (Batas Tingkat Solvabilitas) paling sedikit sebesar 120%. Untuk memenuhi ketentuan mengenai Risk Based Capital tersebut, perusahaan asuransi kerugian tersebut akan menghadapi trade off antara meningkatkan hasil underwriting dan investasi dengan menekan risiko. Berdasarkan fenomena tersebut, penelitian ini bertujuan untuk mengetahui arah pengaruh Risk Based Capital terhadap Tingkat Profitabilitas pada PT. Asuransi Bina Dana Arta Tbk. Risk Based Capital merupakan variabel bebas sedangkan Tingkat profitabilitas pada perusahaan asuransi kerugian merupakan variabel terikat. Metode yang digunakan adalah metode deskriptif dengan pendekatan kuantitatif. Pengujian statistik yang digunakan adalah regresi linear sederhana, koefisien korelasi pearson, koefisien determinasi, dan uji hipotesis. Dari hasil perhitungan koefisien korelasi, hubungan antara Risk Based Capital dengan Tingkat Profitabilitas sangat erat dan searah. Apabila Risk Based Capital mengalami perubahan sebesar satu persen, maka Tingkat Profitabilitas akan mengalami perubahan sebesar 1,109. Sedangkan apabila Risk Based Capital diabaikan, maka Tingkat Profitabilitas sebesar –58,282. Adapun pengaruh Risk Based Capital terhadap Tingkat Profitabilitas adalah sebesar 77,9%, sedangkan sisanya yaitu 22,1% dipengaruhi oleh faktor-faktor lain yaitu beban komisi, beban klaim, dan beban operasional lainnya. Ini membuktikan hipotesis penulis yang mengungkapkan bahwa Risk Based Capital berpengaruh terhadap Tingkat Profitabilitas

Every general incurance company has an obligation to Finance Departemen on behalf of government to fulfill Risk Based Capital (Limitation of Solvability Level) at least 120%. To meet the requirement of Risk Based Capital, general incurance company will deal with tread of both increasing underwriting result and investing by risk pressure. Based on the aforementioned phenomenon, this study aims at identifiying the influence of Risk Based Capital towards Profitability Level at PT. Asuransi Bina Dana Arta Tbk. Risk Based Capital is the independent variable, while Profitability Level is the dependent variable. The method used in this research was the descriptive method with the quantitative approach. The statistic test used in this research is simple linier regression, pearson’s correlation coefficient, determination coefficient, and hypothesis testing. Based the calculation of the correlate coefficient was obtained, assuming that the correlation of Risk Based Capital to Profitability Level has a very strong related and directly. If Risk Based Capital was changed one percent, Profitability Level have changed as 1,109. And if Risk Based Capital no be used, Profitability Level is -58,282. The percentage of influence Risk Based Capital to Profitability Level is 77,9 %, and the rest is 22,1 % influenced by the other factors, as commission expense, claims expense, and other operating expense. In the other words the hypothesis by the researcher means that the influence of Risk Based Capital to Profitability Level was proved.

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