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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Pendidikan Indonesia (Japendi)
Akbar, Lolita
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Other

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Analysis of Factors Influencing Credit Insurance Claims at PT Asuransi Kredit Indonesia: A Logistic Regression Approach Akbar, Lolita; Wibowo, Buddi
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 4 (2025): Oktober
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i4.8513

Abstract

This study aims to analyze the factors influencing the occurrence of claims in credit insurance at PT Asuransi Kredit Indonesia (Askrindo) using a binary logistic regression approach. The analysis was conducted on 14,331 insurance policy records from the period 2021 to 2024, encompassing variables such as regional classification, insured value, premium, gender, age, credit type, insurance duration, and business source. The results reveal that region, debtor age, and credit type have a statistically significant effect on claim probability, with Region III and debtors aged above 55 exhibiting the highest likelihood of claim occurrence. In contrast, insured value and premium show no significant impact, indicating that the current underwriting process may not adequately reflect default risk. The logistic regression model successfully identified seven significant variables and passed all model fit and multicollinearity tests. These findings carry strategic implications for strengthening credit risk management, particularly in refining underwriting policies, improving debtor creditworthiness assessments, and ensuring financial sustainability amid increasing exposure to MSME guarantee programs.
Effect of Share Ownership Concentration, Audit Committee Meeting Frequency, Type of External Auditor, and Risk Monitoring Committee Size on Operational Risk Disclosure in Non-Bank Financial Services Institutions (LJKNB) for the 2019-2023 Period Naomi, Jane; Akbar, Lolita; Galuh Savitri, Ardila; Syamsi, Rachmi; Hanggraeni, Dewi
Jurnal Pendidikan Indonesia Vol. 6 No. 1 (2025): Jurnal Pendidikan Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v6i1.6772

Abstract

In an increasingly complex global business environment, effective corporate governance is one of the main pillars to maintain economic stability and encourage sustainable growth in the financial sector. This study aims to analyze the Effect of Share Ownership Concentration, Audit Committee Meeting Frequency, Type of External Auditor, and Risk Monitoring Committee Size on Operational Risk Disclosure in Non-Bank Financial Services Institutions (LJKNB) for the 2019–2023 Period. The content analysis method was used to collect operational risk disclosure data from the annual reports of 42 LJKNB listed on the IDX during the period 2019 to 2023. Using GLS regression analysis, this study shows the influence of governance on the disclosure of operational risks quantitatively and qualitatively. The results show that the concentration of share ownership, the number of audit committee meetings, and the external auditors of the Big 4 have a significant positive effect on the disclosure of quantitative operational risks, while the number of risk monitoring committees has a significant negative effect. The four governance variables did not have a significant effect on the qualitative disclosure of operational risks
Co-Authors Buddi Wibowo Galuh Savitri, Ardila Hanggraeni, Dewi Naomi, Jane Syamsi, Rachmi