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Abstrak :
ABSTRAK
Penelitian ini bertujuan pertama, menganalisis insurers factor yang mempengaruhi pembayaran premi reasuransi, premi reasuransi dalam dan luar negeri di industri perasuransian di Indonesia periode tahun 2010 ndash; 2014. Variabel Insurers factors yang diteliti adalah Total Admitted Asset, Risiko Underwriting, Klaim Netto, Liabilities, Laba Perusahaan, Modal Perusahaan, Premi Retensi, Lini Bisnis dan Interaksi antara Modal dengan Profit serta Hutang dengan Profit. Kedua, menentukan tingkat retensi perusahaan asuransi untuk meningkatkan kinerja perusahaan. Metode untuk menganalisis premi reasuransi adalah dengan menggunakan regresi linier berganda. Metode untuk menentukan tingkat retensi menggunakan Straub rsquo;s Method dan mengikuti ketentuan dan peraturan dari Regulator Otoritas Jasa Keuangan OJK dengan menggunakan POJK. 14/POJK.05/2015 serta Surat Edaran OJK No. 31/SEOJK.05/2015 Hasil penelitian yang diperoleh mengenai insurers factor yang mempengaruhi premi reasuransi di Indonesia adalah Modal/Ekuitas, Profit, Klaim Netto, UW Risk, Lini Bisnis Property, Motor Vehicle, Engineering, Cargo, Hull dan Liability, Surety, PA Health, Aneka serta Interaksi antara Modal dengan Profit. Hasil penelitian yang Kedua adalah, retensi perusahaan asuransi ditentukan oleh Capital at Risk, Profit loading, Risk Willingness, dan Unbalancedness. Implikasi perhitungan dengan menggunakan metode Straub rsquo;s dan peraturan OJK adalah perusahaan asuransi dapat menyesuaikan perhitungan retensi dengan menggunakan profil risiko dan klaim yang diterima berdasarkan data historis untuk menentukan tingkat retensi sendiri dan menyesuaikannya dengan peraturan dari OJK. etensi, Kinerja Asuransi, Premi Reasuransi, Metode Straub rsquo;s.

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ABSTRACT
Companies in Indonesian Insurance Industry The purpose of this study is first to analyze the insurer factors affecting the payment of reinsurance premium as well as reinsurance premium ceded to domestic and abroad reinsurance in Indonesian insurance industry in the period of 2010 2014. The insurer factors analyzed are total admitted assets, underwriting risk, net claims, liabilities, corporate income, corporate capital, retention premium, line of business, and interaction between capital and profit as well as debt and profit. The second purpose is to determine the retention rate of insurance companies to improve their performance. The method applied to analyze the reinsurance premium is multiple linear regressions. The methods applied to determine the retention rate are Straub 39 s method and the provisions by Indonesian Financial Services Authority OJK , i.e. OJK Regulation No.14 POJK.05 2015 and OJK Circular Letter No.31 SEOJK.05 2015. The finding shows that the insurer factors affecting the reinsurance premium in Indonesia are capital equity, profit, net claim, underwriting risk, line of business in property, motor vehicle, engineering, cargo, hull and liability, surety, personal accident health, miscellaneous, and interaction between capital and profit. The second finding shows that the retention of the insurance companies is determined by capital at risk, profit loading, risk willingness and unbalancedness. The calculation using Straub 39 s method and OJK Regulation and Circular Letter implicates that the insurance companies can adjust the calculation of retention by using risk profile and claim recovery based on the historical data to determine and customize the self retention according to the provisions by OJK.

Abstrak :
ABSTRAK
Asuransi unit-linked adalah asuransi yang dikaitkan dengan investasi, yaitu manfaat yang diberikan berupa hasil investasi preminya. Namun belakangan ini, asuransi yang banyak diperdagangkan adalah asuransi unit-linked dengan manfaat terjamin. Dengan diterapkannya manfaat terjamin, manfaat asuransi memiliki bentuk yang serupa dengan bentuk pembayaran opsi call Eropa. Oleh karena itu, perhitungan premi asuransi unit-linked dengan manfaat terjamin melibatkan perhitungan opsi call Eropa. Diasumsikan bunga yang mengikuti pergerakan harga investasi adalah bunga stokastik, dengan demikian diperlukan teknik perubahan satuan ukur dalam perhitungan premi. Faktor diskonto dengan bunga stokastik perlu dimodifikasi menjadi harga obligasi tanpa kupon. Pada akhirnya, premi dihitung dengan prinsip ekuivalensi dimana manfaat terjamin dan periode asuransi diberikan secara eksplisit.

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ABSTRACT
Unit-linked insurance is an investment-linked insurance, that is, the given benefit is the premium investment outcome. Recently, the most widely marketed insurance in the industry is unit-linked insurance with guaranteed benefit. With guaranteed benefit applied, the insurance benefit form is similar with the payoff form of European call option. Thereby, pricing European call option is involved in pricing unit-linked insurance with guaranteed benefit . The dynamics of investment outcome is assumed to follow stochastic interest rate. Hence, change of measure methods is used in pricing unit-linked insurance. The discount factor with stochastic interest rate needs to be modified as well to be zero coupon bond price. Eventually, the insurance premium is calculated by equivalence principle with guaranteed benefit and insurance period explicitly given.

Abstrak :
The rapid development of the takaful insurance is quite encouraging in enlivening the insurance business in Indonesia. In addition to a large market share, the system is also transperent and makes the consumer comfortable. Takaful system is more fair, transperent and free from elements of gambling. Therefore, people feel more secure with takaful. The development of takaful insurance is also astonishing. In addition to continued product innovations, takaful insurance companies in Indonesia also continue raise strategic alliances with similiar companies. The insurance has launched a number of opotential products for those who are aggressive in investing and has focused on organic expansion of the company. Takaful business people should continue to enhance professionalism in developing the islamic insurance market. this is so important because there is a shift in the market orientation of an emotional market towards a rational market.