Dari 15 jurnal yang dipelajari, mod

Dari 15 jurnal yang dipelajari, model Hato Wagner untuk kontribusi guaranty fund adalah model dominan yang mampu menjelaskan kombinasi kontribusi dari policyholder and equity holder beserta berbagai dampaknya bagi insurance guaranty fund. Model kontribusi yang dianggap terbaik adalah model dimana policyholder and equity holder bersama-sama berkontribusi kepada guaranty fund. Ketika policyholder and equity holder bersama-sama berkontribusi, maka terjadi distribusi atau risk sharing antara policyholder and equity holder. Risk sharing antara policyholder and equity holder adalah hal yang common pada bisnis asuransi.
Cara pemungutan premi ris-based ex-ante lebih banyak memiliki sisi positif bagi policyholder, equity holder and supervisor meskipun lebih sulit dalam aplikasinya. Model Hato Wagner sejauh ini tidak memasukkan peran pemerintah dalam kontribusi ataupun pengelolaan insurance guaranty fund.
Konklusi
Insurance guaranty fund tidak sama dengan reasuransi, terutama dilihat dari sisi cakupan risiko dan besarnya dana yang dikelola terkait penggantian yang diberikan kepada policyholder jika terjadi risiko kebangkrutan atas perusahaan asuransi. Kehadiran insurance guaranty fund terutama untuk Indonesia dianggap krusial dan mendesak. Meskipun insurance guaranty fund dapat meningkatkan moral hazard dan dalam derajat tertentu berpotensi mengubah cara pandang perusahaan asuransi terhadap risiko yang dihadapinya (menjadi lebih liberal), namun insurance guaranty fund diyakini akan meingkatkan kepercayaan masyarakat kepada industri asuransi.
Studi lanjutan diperlukan untuk membuat kriteria kesehatan dan kekuatan sebuah insurance guaranty fund agar lembaga yang diniatkan sebagai pelindung ini tidak lantas berubah menjadi sebuah financial disaster.

Results (English) 1:

Of the 15 journals that were studied, the model Hato Wagner for the contribution of the guaranty fund is the dominant model was able to explain the combination of contributions from the policyholder and equity holder with various impact insurance guaranty fund. Considered the best contribution model is a model which the policyholder and equity holder together contribute to the guaranty fund. When a policyholder and equity holder together contribute, then occurs the distribution or risk sharing between the policyholder and the equity holder. Risk sharing between the policyholder and the equity holder is common in the insurance business.The way the voting premium ris-based ex-ante more have the positive side for the policyholder, the equity holders and supervisors although more difficult in application. Model Hato Wagner so far does not include the Government's role in the contribution or the management of the insurance guaranty fund.The conclusion ofInsurance guaranty fund is not the same with reinsurance, especially seen from the coverage of the risk and the magnitude of the funds managed related replacement given to the policyholder in case of risk of bankruptcy over insurance companies. The presence of insurance guaranty fund especially for Indonesia was considered crucial and urgent. Although insurance guaranty fund can increase moral hazard and in certain degrees, potentially changing the way insurance companies point of view against the risks facing it (become more liberal), but insurance guaranty fund believed would raise public confidence to the insurance industry.Further study is needed to make health and strength criteria of an insurance guaranty fund in order to make the European institutions as the protector is not thus turned into a financial disaster.

Results (English) 2:

Of the 15 journals were studied, the model Hato Wagner for guaranty fund contribution is dominant model capable of explaining the combination of contributions from policy- and equity holder along with various impacts on insurance guaranty fund. The model is considered the best contribution is the model where the policy- and equity holder together contribute to the guaranty fund. When policy- and equity holder together contribute, it happens distribution or risk sharing between policy- and equity holder. Risk sharing between policy- and equity holder is a common thing in the insurance business.
The way the premium collection ris-based ex-ante more has a positive side for policy-, equity holders and supervisors although it is more difficult in application. Model Hato Wagner so far does not include the government's role in contributing or managing insurance guaranty fund.
Conclusion
Insurance guaranty fund is not the same as reinsurance, particularly in terms of risk coverage and the amount of funds managed by related reimbursement given to policy- if there is risk of bankruptcy for insurance companies , The presence of insurance guaranty fund mainly for Indonesia is considered crucial and urgent. Although the insurance guaranty fund can increase moral hazard and a certain degree the potential to change the way insurance companies against the risks it faces (to be more liberal), but the insurance guaranty fund is believed to boost public confidence in the insurance industry.
Further study is needed to make the criteria of health and strength an insurance guaranty fund that is intended as a protection agency that is not necessarily turned into a financial disaster.