THE ANALYSIS FINANCIAL REPORT AT PT. INSURANCE Allianz Utama INDONESIA FOR THE ACHIEVING OF CONFIDENCE CONSUMER

Lunggo Dhiasprakoso

Abstract


The Insurance is an agreement between two
or more parties, with which the insurer is binding to the
insured, by accepting insurance premiums, to provide re-
imbursement to the insured for loss, damage, or loss of ex-
pected benets, or legal liability to third parties who may
be suered by the insured, arising out of an event that is un-
certain, or to provide a payment based on the life or death
of an insured person. The problem under study is to an-
alyze how the ratio of the achievement levels of solvency,
liquidity and what factors caused it by using the ratio of
current assets, the balance of the investment with obliga-
tions, the balance of the investment with premium revenue,
claims expense ratio, and commission business, and the ra-
tio of achievement levels solvency of nancial statements for
the period 2007-2009. This method is a way to assess the
health of an insurance company by calculating the ratio of
each component mentioned above. By analyzing the health
of PT Allianz Utama Indonesia the authors obtained the fol-
lowing results: In general, the components of liquidity and
solvency to show good results even in the position of the
liquidity ratio of less healthy in 2008. Assets component
also showed healthy results. All components of solvency
and liquidity has been calculated based on the criteria set
by the Minister of Finance. Based on the results obtained,
it can be concluded that each component has shown good
results. In general, the results of the PT. Allianz Utama
Indonesia received the title either, but should still be im-
provements in those aspects it is less satisfactory.

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