ANALISIS RASIO EARLY WARNING SYSTEM (EWS) DAN RISK BASED CAPITAL (RBC) UNTUK MENILAI KINERJA KEUANGAN PERUSAHAAN ASURANSI KONVENSIONAL (STUDI KASUS PADA PT ASURANSI ALLIANZ UTAMA INDONESIA PERIODE 2014 - 2018

Abstract

This study aims to determine financial performance using the Early Warning System andRisk Based Capital (RBC) at PT Asuransi Allianz Utama Indonesia Period 2014 - 2018. Thisresearch uses descriptive research with the analytical method used is the Early Warning Systemratio analysis and the Risk Based Capital Method which is used based on regulations establishedby the government. The early warning system used in this study includes the Solvency Ratio, theLiabilities to Liquid Assets Ratio, the Underwriting Ratio, the Incurred Loss Ratio, the Adequacyof Capital Funds and the Premium Growth Ratio. The results of the analysis in this study indicatethat the financial performance of PT Asuransi Allianz Utama Indonesia is seen from the solvencyratio, liquidity ratio, claim expense ratio and RBC in good condition. While seen from the ratio ofunderwriting, the ratio of funds sufficiency and the ratio of premium growth in conditions that arenot good.Keywords: Financial Performance, Early Warning System, Risk Based Capital