Evaluasi perbandingan value at risk harga saham dengan menggunakan metode variance covariance dan historical simulation terhadap ketentuan faktor risiko saham dalam penentuan batas tingkat solvabilitas minimum perusahaan asuransi (studi kasus pada PT Asuransi Jiwa XYZ) = Comparison evaluation of value at risk using variance covariance methodology and historical simulation methodology toward the simulation of share risk factor in determining minimum solvability rate limit in insurance company (a case study in PT. XYZ Life Insurance)