ANALISIS FAKTOR-FAKTOR PENDAPATAN PREMI, BEBAN KLAIM, DAN INVESTASI ASURANSI TERHADAP PDB DI INDONESIA
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Published:
2026-05-13
Keywords:
GDP, Premium Income, Claims Expenses, Insurance Investments
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Abstract
GDP is an econometric variable useful for understanding a country's economic growth. The insurance industry in Indonesia faces challenges, with the insurance penetration rate reaching only 2.59% by the end of 2023. This illustrates significant challenges in increasing the sector's contribution to the national economy. This study analyzes the impact of premium income, claim expenses, and insurance investments on Indonesia's GDP during the 2019-2023 period. A quantitative approach was used with panel data analysis techniques, encompassing 18 insurance companies registered with the Financial Services Authority (OJK). The results indicate that premium income and insurance investments have a significant positive impact on GDP, while claim expenses have an insignificant effect. Furthermore, simultaneous analysis reveals that all three variables collectively have a significant impact on Indonesia's economic growth. These findings highlight the critical role of the insurance sector in driving economic growth through increased liquidity and financial protection.
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Inderjit Kaur, K. K. (2016). Determinants Of Investment Behaviour Of Investors Towards Mutual Funds. Journal Of Indian Business Research.
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Oshungade, S. A. (2014). The Relationship Between Gross Domestic Product (GDP), Inflation, Import And Export From A Statistical Point Of View.
Ph.D. Ummul Aiman, S. P. D. K. A. S. H. M. A. Ciq. M. J. M. P., Suryadin Hasda, M. P. Z. F., M.Kes. Masita, M. P. I. N. T. S. K., & M.Pd. Meilida Eka Sari, M. P. M. K. N. A. (2022). Metodologi Penelitian Kuantitatif. In Yayasan Penerbit Muhammad Zaini.
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Rohman, I. K., Ronaldo, R., & Siregar, R. Y. (2023). Interrelationship Between Macroeconomic Variables With Insurance Premiums And Claims – Lessons For Indonesia And ASEAN. Journal Of ASEAN Studies, 11(2), 435–465. Https://Doi.Org/10.21512/Jas.V11i2.10214
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Budi, H. (2012). Klaim Bruto Asuransi Kepala Divisi Statistik, Analisis, Penelitian Dan Informasi.
Christopoulos, D. K. (2004). Financial Development And Economis Growth: Evidence From Panel Unit Root And Cointegration Tests. Jornal Of Development Economics, 55-74.
Ghozali, I. (2018). Aplikasi Analisis Multivariate Dengan Program IBM SPSS. Badan Penerbit Universitas Diponegoro.
Haiss, P., & Sumegi, K. (2008). Development And Agustiranda, Yuliani, & Bakar. (2019). Pengaruh Pendapatan Premi, Pembayaran Klaim, Dan Risk Based Capital Terhadap Pertumbuhan Laba Pada Perusahaan Perusahaan Asuransi Yang Terdaftar Di BEI.
Dash, S., Pradhan, R. P., Maradana, R. P., Gaurav, K., Zaki, D. B., & Jayakumar, M. (2018). Insurance Market Penetration And Economic Growth In Eurozone Countries: Time Series Evidence On Causality. Future Business Journal, 4(1), 50–67. Https://Doi.Org/10.1016/J.Fbj.2017.11.005
Dawd, I., & Benlagha, N. (2023). Insurance And Economic Growth Nexus: New Evidence From OECD Countries. Cogent Economics And Finance, 11(1). Https://Doi.Org/10.1080/23322039.2023.2183660
Hasanah, & Kamal. (2022). Faktor Determinan Perolehan Surplus (Defisit) Underwriting Dana Tabarru’ Pada Asuransi Jiwa Syariah. Jurnal Akuntansi Dan Keuangan Islam, 10(1), 55–73. Https://Doi.Org/10.35836/Jakis.V10i1.305
Heri Sasono, & Paidi WS. (2024). Prospek Industri Asuransi Di Indonesia. Jurnal Ekonomi Dan Pembangunan Indonesia, 2(1), 146–158. Https://Doi.Org/10.61132/Jepi.V2i1.355
Insani, L. Z., & Sholikha, A. F. (2023). Pengaruh Premi, Klaim, Dan Hasil Investasi Terhadap Laba Perusahaan Asuransi Syariah Di Indonesia Tahun 2016-2021. Review Of Applied Accounting Research (RAAR), 3(1), 112. Https://Doi.Org/10.30595/Raar.V3i1.13014
Ipigansi, P., & Kologa, I. F. (2023). Impact Analysis Of Fire And Motor Insurance Premium Income On Impact Analysis Of Fire And Motor Insurance Premium Income On Insurance Industry Investment In Nigeria From 1997-2019 Ipigansi , Pretoria Department Of Insurance Niger Delta University , Wilber. January 2022.
Ismail, M. (2021). The Magnitude Of The Investment Yield Of Sharia Insurance In Indonesia. Accounting, 7(3), 497–506. Https://Doi.Org/10.5267/J.Ac.2021.1.009
Kementerian Keuangan Republik Indonesia. (2024). Buku II: Nota Keungan Beserta Rancangan Anggaran Pendapatan Dan Belanja Negara Tahun Anggaran 2024. Nota Keuangan Negara, 449. Http://Www.Kemenkeu.Go.Id/Data/Nota-Keuangan-Rapbn-Tahun-2017
Kurniawan, P. H., Dompak, T., & Tampubolon, R. P. (2019). Kedigdayaan Produk Domestik Bruto?: Aspek Sejarah Dan Popularitas Di Masa Depan. Jurnal Dialetika Publik, 3(2), 39.
Love, J. R. T., Ph, B. A. M., Ll, D. M., & Ll, B. L. (2015). Weber , Schumpeter And Modern Capitalism Towards A General Theory?: By Department Of Social And Behavioural Sciences.
Mulyani, T. &. (2021). No Title.
OJK. (2023). Draft Roadmap Pengembangan Perasuransian Indonesia. Departemen Pengaturan Dan Pengembangan IKNB, OJK, 1–63. Www.Ojk.Go.Id.
Oliver, R. (2019). Insurance Companies. Routledge Library Editions: Financial Markets, 234–288. Https://Doi.Org/10.4324/9781315706405-28
Oshungade, S. A. (2014). The Relationship Between Gross Domestic Product (GDP), Inflation, Import And Export From A Statistical Point Of View.
Ph.D. Ummul Aiman, S. P. D. K. A. S. H. M. A. Ciq. M. J. M. P., Suryadin Hasda, M. P. Z. F., M.Kes. Masita, M. P. I. N. T. S. K., & M.Pd. Meilida Eka Sari, M. P. M. K. N. A. (2022). Metodologi Penelitian Kuantitatif. In Yayasan Penerbit Muhammad Zaini.
Prokopjeva, E., Kuznetsova, N., & Kalayda, S. (2020). Insurance Market Development And Economic Growth Indicators: The Study Of Relationship In The World. Economic Annals-XXI, 185(9–10), 48–60. Https://Doi.Org/10.21003/EA.V185-05
Rohman, I. K., Ronaldo, R., & Siregar, R. Y. (2023). Interrelationship Between Macroeconomic Variables With Insurance Premiums And Claims – Lessons For Indonesia And ASEAN. Journal Of ASEAN Studies, 11(2), 435–465. Https://Doi.Org/10.21512/Jas.V11i2.10214
Shalsa, S. N. (2021). Pengaruh Pendapatan Premi, Klaim Dan Investasi Terhadap Pertumbuhan Aset Perusahaan Asuransi Jiwa Syayriah Di Indonesia. Kajian Pendidikan Ekonomi Dan Ilmu Ekonomi, 5(2), 99–106.
Swiss Re Institute. (2023). World Insurance: Stirred, And Not Shaken. Sigma, 3(3), 1–49. Https://Www.Swissre.Com/Dam/Jcr:3fd9db6e-F497-43b3-9e69-2ba89e7a2c31/2023-09-Zrh-23-13658-P1-Sigma-3-Wis-2023.Pdf
Tinungki, G. M. (2018). The Application Law Of Large Numbers That Predicts The Amount Of Actual Loss In Insurance Of Life. Journal Of Physics: Conference Series, 979(1), 0–9. Https://Doi.Org/10.1088/1742-6596/979/1/012088
Wang, D., & Li, Y. (2019). The Development Of Foreign Capital Insurance Market, FDI And Economic Growth In China. Modern Economy, 10(03), 872–885. Https://Doi.Org/10.4236/Me.2019.103058
Ward, D., & Zurbruegg, R. (2023). Does Insurance Promote Economic Growth? Evidence From OECD Countries. The Journal Of Risk And Insurance, 67(4), 489. Https://Doi.Org/10.2307/253847
Yamora Siregar, R., Saidah, Y., & Melati, R. (2023). Eco.-Bulletin-No.-44_Product-Insurance. Indonesia Financial Group, 44.
economic Effect Of The Insurance Sector In CEE And Mature European Economices - A Theoretical And Empirical Analysis. Procedings 11th Conference Of The ECB-CFS Research Network On The Market For Retail Financial Servi.
Ian Webb, T. B. (2002). Economic, Demographic, And Institutional Determinants Of Life Insurance Consumption Across Countries. Risk Management And Insurance, 51-88.
Inderjit Kaur, K. K. (2016). Determinants Of Investment Behaviour Of Investors Towards Mutual Funds. Journal Of Indian Business Research.
Skipper, H. (1956). A Contribution To The Thagustiranda, Yuliani, & Bakar. (2019). Pengaruh Pendapatan Premi, Pembayaran Klaim, Dan Risk Based Capital Terhadap Pertumbuhan Laba Pada Perusahaan Perusahaan Asuransi Yang Terdaftar Di BEI.
Dash, S., Pradhan, R. P., Maradana, R. P., Gaurav, K., Zaki, D. B., & Jayakumar, M. (2018). Insurance Market Penetration And Economic Growth In Eurozone Countries: Time Series Evidence On Causality. Future Business Journal, 4(1), 50–67. Https://Doi.Org/10.1016/J.Fbj.2017.11.005
Dawd, I., & Benlagha, N. (2023). Insurance And Economic Growth Nexus: New Evidence From OECD Countries. Cogent Economics And Finance, 11(1). Https://Doi.Org/10.1080/23322039.2023.2183660
Hasanah, & Kamal. (2022). Faktor Determinan Perolehan Surplus (Defisit) Underwriting Dana Tabarru’ Pada Asuransi Jiwa Syariah. Jurnal Akuntansi Dan Keuangan Islam, 10(1), 55–73. Https://Doi.Org/10.35836/Jakis.V10i1.305
Heri Sasono, & Paidi WS. (2024). Prospek Industri Asuransi Di Indonesia. Jurnal Ekonomi Dan Pembangunan Indonesia, 2(1), 146–158. Https://Doi.Org/10.61132/Jepi.V2i1.355
Insani, L. Z., & Sholikha, A. F. (2023). Pengaruh Premi, Klaim, Dan Hasil Investasi Terhadap Laba Perusahaan Asuransi Syariah Di Indonesia Tahun 2016-2021. Review Of Applied Accounting Research (RAAR), 3(1), 112. Https://Doi.Org/10.30595/Raar.V3i1.13014
Ipigansi, P., & Kologa, I. F. (2023). Impact Analysis Of Fire And Motor Insurance Premium Income On Impact Analysis Of Fire And Motor Insurance Premium Income On Insurance Industry Investment In Nigeria From 1997-2019 Ipigansi , Pretoria Department Of Insurance Niger Delta University , Wilber. January 2022.
Ismail, M. (2021). The Magnitude Of The Investment Yield Of Sharia Insurance In Indonesia. Accounting, 7(3), 497–506. Https://Doi.Org/10.5267/J.Ac.2021.1.009
Kementerian Keuangan Republik Indonesia. (2024). Buku II: Nota Keungan Beserta Rancangan Anggaran Pendapatan Dan Belanja Negara Tahun Anggaran 2024. Nota Keuangan Negara, 449. Http://Www.Kemenkeu.Go.Id/Data/Nota-Keuangan-Rapbn-Tahun-2017
Kurniawan, P. H., Dompak, T., & Tampubolon, R. P. (2019). Kedigdayaan Produk Domestik Bruto?: Aspek Sejarah Dan Popularitas Di Masa Depan. Jurnal Dialetika Publik, 3(2), 39.
Love, J. R. T., Ph, B. A. M., Ll, D. M., & Ll, B. L. (2015). Weber , Schumpeter And Modern Capitalism Towards A General Theory?: By Department Of Social And Behavioural Sciences.
Mulyani, T. &. (2021). No Title.
OJK. (2023). Draft Roadmap Pengembangan Perasuransian Indonesia. Departemen Pengaturan Dan Pengembangan IKNB, OJK, 1–63. Www.Ojk.Go.Id.
Oliver, R. (2019). Insurance Companies. Routledge Library Editions: Financial Markets, 234–288. Https://Doi.Org/10.4324/9781315706405-28
Oshungade, S. A. (2014). The Relationship Between Gross Domestic Product (GDP), Inflation, Import And Export From A Statistical Point Of View.
Ph.D. Ummul Aiman, S. P. D. K. A. S. H. M. A. Ciq. M. J. M. P., Suryadin Hasda, M. P. Z. F., M.Kes. Masita, M. P. I. N. T. S. K., & M.Pd. Meilida Eka Sari, M. P. M. K. N. A. (2022). Metodologi Penelitian Kuantitatif. In Yayasan Penerbit Muhammad Zaini.
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