Perhitungan Cadangan Klaim dengan Metode Chain Ladder: Studi Kasus PT Jasaraharja Putera

Divanti, Farrah Ayu (2024) Perhitungan Cadangan Klaim dengan Metode Chain Ladder: Studi Kasus PT Jasaraharja Putera. Project Report. [s.n.], [s.l.]. (Unpublished)

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Abstract

PT Jasaraharja Putera Cabang Surabaya merupakan perusahaan asuransi umum yang menyediakan layanan perlindungan terhadap risiko kerugian, termasuk asuransi kendaraan. Salah satu aspek penting dalam pengelolaan perusahaan asuransi adalah penyediaan cadangan klaim untuk menjamin ketersediaan dana ketika klaim diajukan. Penelitian ini bertujuan untuk memperkirakan besaran cadangan klaim Incurred But Not Reported (IBNR) dengan menggunakan metode Chain Ladder berdasarkan data klaim asuransi kendaraan. Proses perhitungan mencakup pembentukan run-off triangle, estimasi faktor pengembangan kerugian, dan perhitungan total cadangan klaim tiap tahun. Hasil perhitungan menunjukkan bahwa estimasi total cadangan klaim mengalami peningkatan setiap tahunnya, dengan kebutuhan cadangan pada tahun pertama sebesar 246.957 ribu rupiah. Metode Chain Ladder memberikan proyeksi yang dapat digunakan perusahaan dalam perencanaan keuangan guna menjaga stabilitas dan keberlanjutan operasional di masa mendatang.
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PT Jasaraharja Putera Surabaya Branch is a general insurance company that provides risk protection services, including vehicle insurance. One of the crucial aspects of insurance company management is the provision of claim reserves to ensure fund availability when claims are filed. This study aims to estimate the amount of Incurred But Not Reported (IBNR) claim reserves using the Chain Ladder method based on vehicle insurance claim data. The calculation process includes the construction of a run-off triangle, estimation of loss development factors, and computation of the total claim reserves for each year. The results show that the estimated total claim reserves increase annually, with the reserve requirement in the first year amounting to IDR 246,957,000. The Chain Ladder method provides projections that can support the company’s financial planning to maintain operational stability and long-term sustainability.

Item Type:	Monograph (Project Report)
Uncontrolled Keywords:	cadangan klaim, IBNR, Chain Ladder, run-off triangle, asuransi kendaraan ================================================================= claim reserves, IBNR, Chain Ladder, run-off triangle, vehicle insurance
Subjects:	H Social Sciences > H Social Sciences (General) H Social Sciences > H Social Sciences (General) > H61.4 Forecasting in the social sciences
Divisions:	Faculty of Science and Data Analytics (SCIENTICS) > Actuaria > 94203-(S1) Undergraduate Thesis
Depositing User:	Farrah Ayu Divanti
Date Deposited:	29 Jul 2025 07:22
Last Modified:	29 Jul 2025 07:22
URI:	http://repository.its.ac.id/id/eprint/122553

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