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Abstrak :
Dual beta become a debate between researchers in finance especially investment and portfolio. This research test CAPM using dual beta predictions in conditional market timing. The research tested unconditional and conditional beta, that show linear and positive affect of return toward risk on single and multiperiods. The beta’s slope skewed but with moderate skewness, and there is no zero beta. However if the investors have less diversified portfolio, its show idiosyncratic risk and systematic risk determine the securities pricing model. Conditional beta test, showed positive slope for SML on bullish market, and negative for bearish market. There is also showed a shock to volatility because of leverage effect and or volatility feedback. The responsiveness of positive shock (bullish market) and negative (bearish market) is positive, howevet the magnitude of SML slope higher for bearish and bullish market. Dual beta remains consistent in explaining positive effect of risk and return. Dual beta able to reduce ethe idiosyncratic risk on bearish market rather than on bullish market.

Abstrak :
Skripsi ini membahas tentang penyebab dari penurunan total polis, penurunan jumlah peserta, penurunan pendapatan premi, dan target premi produk asuransi kumpulan ldquo;Jasindo Health Care rdquo; yang tidak terealisasi di tahun 2016, serta alternatif strategi penyelesaiannya. Penelitian ini menggunakan metode kualitatif. Hasil penelitian menunjukkan bahwa penyebab dari masalah tersebut berasal dari faktor internal dan eksternal. Faktor internal, berupa kurangnya penggunaan teknologi yang terbarukan, saluran distribusi penjualan yang kurang efektif, dan promosi yang kurang maksimal. Faktor eksternal, berupa kekuatan yang dimiliki pesaing. Alterrnatif strategi yang disarankan yaitu menambah jumlah tenaga penjualan, menambah belanja iklan, menambah pilihan manfaat berupa pengobatan ke luar negeri dan layanan home care, penggunaan klaim reimbursement berbasis mobile application, menambah fasilitas live chat di website Jasindo, serta menyediakan layanan konsultasi dokter secara online. ......This research explained about causes of policy total degradation, degradation of number of participants, degradation of premium income, and unrealized target of group insurance premium product ldquo Jasindo Health Care rdquo in 2016, and alternative settlement strategies. This research used qualitative method. The results showed that the causes are the internal and external factor. Internal factor such as lack of use of renewable technology, less effective sales distribution channels, and less than optimal promotion. External factor, is in the form of strength owned by competitors. The suggested alternative strategies are increase the number of salespeople, increase advertising expenditure, provide the additional benefits of overseas treatment and home care services, use feature of mobile application for reimbursing claims, adding live chat facilities to Jasindo rsquo s website, and provide the online doctor consultation services.