Judul: Analisis Faktor-faktor yang berpengaruh terhadap Risk Baesd Capital Perusahaan (Studi Kasus pada PT Asuransi XYZ)
Abstrak: Risk based capital (RBC) merupakan salah satu indikator dalam kinerja keuangan dan penilaian kesehatan perusahaan asuransi kerugian (umum). RBC, yang dalam industri perbankan biasa disebut sebagai capital adequacy ratio (CAR), menunjukkan tingkat kecukupan modal yang dihitung berdasarkan risiko yang dihadapi perusahaan. Nilai RBC yang tinggi belum tentu menunjukkan bahwa kinerja perusahaan tersebut optimal. Tujuan dari penelitian ini adalah (1) menganalisis pengaruh faktor solvabilitas, faktor stabilitas premium, dan faktor likuiditas secara bersama-sama terhadap RBC (2) menganalisis pengaruh faktor solvabilitas, faktor stabilitas premium, dan faktor likuiditas secara parsial terhadap RBC. Penelitian ini menggunakan data perusahaan tahun 2007-2014 yang dianalisis menggunakan regresi linear berganda dengan level of significance 10%. Hasil pengujian menunjukkan bahwa faktor solvabilitas, faktor stabilitas premium, dan faktor likuiditas secara bersama-sama memiliki pengaruh signifikan terhadap RBC. Secara parsial, faktor solvabilitas memiliki pengaruh positif signifikan terhadap RBC, sedangkan faktor stabilitas premium dan faktor likuiditas tidak memiliki pengaruh terhadap RBC.
Keyword: likuiditas, risk based capital, solvabilitas, stabilitas premium

Judul: Faktor-Faktor yang Memengaruhi Solvabilitas Perusahaan Asuransi Umum di Bursa Efek Indonesia
Abstrak: Berdasarkan Laporan Statistika Perasuransian tahun 2015 terjadi penurunan jumlah perusahaan asuransi umum setiap tahunnya dari tahun 2011- 2015. Fenomena kebangkrutan dalam perusahaan asuransi dapat dilihat dari nilai RBC (Risk Based Capital) perusahaan tersebut. Penelitian ini menguji pengaruh jumlah klaim yang dibayarkan, hasil underwriting dan proporsi saham terhadap solvabilitas perusahaan asuransi umum yang terdaftar di BEI. Solvabilitas pada penelitian ini diukur menggunakan RBC. Teknik pengambilan sampelnya menggunakan teknik purposive sampling dengan kriteria laporan keuangan yang lengkap selama kurun waktu lima tahun. Terdapat empat perusahaan asuransi umum yang memenuhi kriteria. Data yang digunakan dalam penelitian ini adalah data sekunder dengan menggunakan metode uji statistik deskriptif, uji asumsi klasik dan analisis regresi data panel. Hasil penelitian ini dapat disimpulkan: (1) Jumlah klaim yang dibayarkan berpengaruh negatif dan signifikan terhadap RBC (2) Hasil Underwriting dan proporsi saham berpengaruh positif dan signifikan terhadap RBC. Untuk mencegah terjadinya kebangkrutan, perusahaan dapat menurunkan jumlah klaim yang dibayarkan, meningkatkan hasil underwriting dan proporsi saham guna meningkatkan nilai RBC.
Keyword: hasil underwriting, jumlah klaim yang dibayar, proporsi saham, RBC, Solvabilitas

Judul: Merremia dennstedt ex endlicher (Convolvulaceae) in Sumatra.
Abstrak: Merremia is a small genus in the family Convolvulaceae. Merremia is a perennial or annual herb or woody liana with stems creeping or twinning on trees or rocks, put out milky white sap when injured and some species with tubers. Merremia is often confused with genus Ipomoea, due to they have resemblance in funnel shaped or campanulate corolla and straight anther. Phenetically, some members of Merremia have yellow flower whereas Ipomoea has white, purple or purplish white. Merremia is also confused with Operculina due both have non-spinulose pollen and dehiscent capsule. Nevertheless, Operculina characterized by circumciselli capsule and Merremia characterized by valve capsule. The important character in Merremia is the spread of the hairs on corolla that can be easily observed at the mature flower bud. The genus Merremia is found in the tropical regions of both hemispheres. Merremia wildly distributed throughout the tropical regions of Asia, Africa, Australia, North and South America and approximately there were 80 species of Merremia in the world. A Total of 175 sheets (164 collection numbers) which are deposited in Herbarium Bogoriense, 97 sheets (95 collection numbers) which are deposited Andalas University Herbarium (ANDA) and 9 sheets (4 collection numbers) which are deposited in BIOTROP Herbarium (BIOT) were studied. It composed of all specimens of Merremia in Sumatra. Additional specimens were collected by the author 28 sheets (15 collection numbers) from North Sumatra, West Sumatra and Lampung, which are stored in BO and BIOT. The digital data that consist of type specimens and distributions of species from JSTOR Plant Science and Convolvulaceae Unlimited were also used here. All the hebarium specimens were studied based on their morphological characters following de Vogel (1987) and Rifai (1976). The terminology of morphological characters followed Lawrence (1955), Veldkamp (1987), Harris and Harris (1994), Hickey and King (2005) and Stearn (1983). Information on the habitat, ecology, distribution, vernacular names and uses were noted from the specimens label and literatures. Taxonomic studies in Sumatra were conducted. There are eight species, one subspecies, one varietas and two forma from nine previously species (M. cissoides, M. dissecta, M. emarginata, M. hirta, M. peltata, M. quinquefolia, M. tridentata, M. tuberosa and M. vitifolia), two subspecies (M. umbellata ssp. orientalis and M. tridentata ssp. hastata), one varietas (M. boisiana var. sumatrana) and two forma (M. hederacea f. pubescens and M. hederacea f. barbata) can be recognized. One species (M. tridentata) and subspecies (M. tridentata ssp. hastata) are excluded because they have been proposed to different new taxa Xenostegia by Austin and Staples. The existence of M. emarginata was noted as new record in Sumatra and M. cissoides was noted as new record in Indonesia. A phylogenetic analysis using PAUP*4.Ob10 was undertaken based on morphological characters, using Evolvulus nummularius and Porana volubis as the out group. The phylogenetic analysis used 35 morphological characters was resulted consistency index (CI) = 0.60, homoplasy index (HI) = 0.40, retention index (RI) = 0.56 and Rescaled consistency index (RC) = 0.34. Phylogenetic tree used morphological characters divided taxa into two groups. The separation support M. boisiana var. sumatrana, M. cissoides, M.
Keyword: Convolvulaceae, Merremia, morphology, phylogenetic, Sumatra