ANALISIS FAKTOR YANG MEMPENGARUHI KESEHATAN KEUANGAN PERUSAHAAN ASURANSI PRUDENTIAL

Aldila Nur Indah Berliana Ratam; Nanda Azzanina; Muklas Rivai; Natalia Aisa Selvira; Marie Vivien Lase; Iffah Nurul Rohmah; Anita Grace Pretty Situmorang; Fanny Dwi Putri Rinaldi; Siluh Putu Dela Antika; Natasha Putri Nadeak

doi:10.59003/nhj.v5i3.1595

Authors

Aldila Nur Indah Berliana Ratam Institut Teknologi Sumatera
Nanda Azzanina Institut Teknologi Sumatera
Muklas Rivai Institut Teknologi Sumatera
Natalia Aisa Selvira Institut Teknologi Sumatera
Marie Vivien Lase Institut Teknologi Sumatera
Iffah Nurul Rohmah Institut Teknologi Sumatera
Anita Grace Pretty Situmorang Institut Teknologi Sumatera
Fanny Dwi Putri Rinaldi Institut Teknologi Sumatera
Siluh Putu Dela Antika Institut Teknologi Sumatera
Natasha Putri Nadeak Institut Teknologi Sumatera

DOI:

https://doi.org/10.59003/nhj.v5i3.1595

Keywords:

factor analysis, financial health, insurance companies

Abstract

The financial health of an insurance company is a crucial aspect that must be ensured to maintain its ability to manage risks. The insurance industry plays a significant role in economic growth through risk transfer mechanisms. This study aims to analyze the factors influencing the financial health of Prudential Insurance Company during the 2023–2024 period. The method used is factor analysis, a multivariate statistical method designed to identify the underlying structure among financial variables. The analysis results show that two main factors explain 99.2% of the data variance. The first factor is influenced by premium income (X1), claims and benefits paid (X2), and operating expenses (X5). The second factor is influenced by technical reserves (X3) and investment income (X4). These findings highlight the importance of managing premiums, improving operational efficiency, controlling claims, and optimizing assets and investments to maintain the company's financial health. With the right approach, Prudential is expected to maintain its financial stability and competitive position in the insurance industry.

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