Dalam usaha pemindahan risiko tertentu dari masyarakat kepada badan usaha asuransi adalah melalui sarana yang dikenal dengan underwriting. Proses underwriting meliputi semua kegiatan yang diperlukan untuk menyeleksi (menerima atau menolak) sesuai dengan pemenuhan tujuan perusahaan secara umum. Underwriting sendiri tidak hanya merupakan bagian utama dari kegiatan perusahaan asuransi, tapi lebih dari itu underwriting merupakan jiwa asuransi. Tujuan dari penelitian ini adalah untuk mengetahui underwriting ratio, return on investment, serta seberapa besar pengaruh underwriting ratio terhadap return on investment pada PT Asuransi Bintang Tbk. 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 underwriting ratio dengan return on investment sangat erat dan searah. Apabila underwriting ratio mengalami perubahan sebesar satu persen, maka return on investment akan mengalami perubahan sebesar 0,286. Sedangkan apabila underwriting ratio diabaikan, maka return on investment sebesar -6,007. Adapun pengaruh underwriting ratio terhadap return on investment adalah sebesar 58,8%, sedangkan sisanya yaitu 41,2% dipengaruhi oleh faktor-faktor lain yaitu beban komisi, beban klaim, dan beban operasional lainnya. Ini membuktikan hipotesis penulis yang mengungkapkan bahwa underwriting ratio berpengaruh terhadap return on investment. Saran-saran yang peneliti berikan adalah, agar PT Asuransi Bintang Tbk memiliki underwriter yang kompetensinya memadai dan realistis dalam memberikan penilaian risiko, kemudian lebih mengoptimalkan lagi dalam pendayagunaan aktiva dalam menjalankan operasinya.

In effort evacuation of certain risk of society to body effort insurance is to through recognized medium with underwriting. Process underwriting cover all needed to activity select (accepting or refusing) as according to accomplishment of company target in general. Underwriting alone not only representing bodywork of activity of company of insurance, but more than that underwriting represent insurance soul. Intention of this research is to know underwriting ratio, return on investment, and also to know big influence of underwriting ratio to return on investment at PT Asuransi Bintang Tbk. 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 underwriting ratio to return on investment has a very strong related and directly. If underwriting ratio was changed one percent, return on investment have changed as 0,286. And if underwriting ratio no be used, return on investment is -6,007. The percentage of influence underwriting ratio to return on investment is 58,8 %, and the rest is 41,2 % 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 underwriting ratio to return on investment was proved. Suggestions which is researcher give is, to be PT Asuransi Bintang Tbk have underwriter which is its realistic and adequate interest in giving assessment of risk, later then more optimal again in utilization of asset in running its operation.

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