Analisis Rasio Rentabilitas Asuransi Syariah Studi pada PT Asuransi Takaful Keluarga Periode 2017-2020

Abstract

The purpose of this research is to provide information, a broad view and increase knowledge in the field of insurance, especially Islamic insurance,  to analyze the financial performance of Islamic insurance through Sharia Insurance Rentability Ratio Analysis: a Study at PT. Asuransi Takaful Keluarga for the Period of 2017-2020. The results of this study are expected to be an illustration in understanding and assessing the financial condition of Islamic insurance company. The data used is the financial report (annual report) of PT. Asuransi Takaful Keluarga for the period December 2017 to December 2020. The ratio used in this analysis is the Rentability Ratio which consists of Return On Assets (ROA), Return On Equity (ROE), and Net Profit Margin (NPM) ratios. The financial performance of PT. Asuransi Takaful Keluarga for the 2017-2018 period is not good enough. This can be seen from the decreasing percentage of the profitability ratio. The company must be able to improve investment fund management, tabarru fund management or underwriting. In addition, the company's revenue also needs to be increased in order to maintain the stability of the company's operations in the future.