Pengaruh Profitabilitas, Likuiditas, dan Beban Klaim Terhadap RBC Perusahaan Asuransi Yang Terdaftar Di BEI Periode 2018-2022


  • Azzah Utami Anggraini Politeknik Negeri Jakarta
  • Indianik Aminah Politeknik Negeri Jakarta


This study aims to examine the effect of profitability ratios, liquidity ratios, and claims expense on Risk Based Capital (RBC) insurance companies listed on the Indonesia Stock Exchange (IDX) for the 2018-2022 period. This study uses a quantitative research method with a purposive sampling technique, which produces 8 samples of insurance companies. The method of data analysis in this study is multiple linear regression analysis. Hypothesis testing is done by using a partial test (T test) and simultaneous test (F test). The results of the hypothesis test show that simultaneously the profitability ratio, liquidity ratio, and claims expense ratio affect the Insurance Company’s Risk Based Capital (RBC). While partially it shows that (1) Profitability ratios have no significant effect on Risk Based Capital (RBC) of insurance companies; (2) The Liquidity Ratio has a significant negative effect on Risk Based Capital (RBC) of insurance companies; (3) Claim Expense Ratio has a significant positive effect on Risk Based Capital (RBC) of insurance companies.

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