Analisis Perbandingan Kinerja Keuangan Perusahaan Asuransi Konvensional Allianz Indonesia Dan Asuransi Syariah Manulife Di Indonesia Dengan Metode EWS Dan RBC Periode 2016-2021

This research is a study aimed at seeing whether there are differences in the financial performance of conventional Allianz insurance companies and Manulife sharia insurance using the RBC and EWS methods. The variables of this study are the Early Warning System (EWS) (X1) and Risk Based Capital (RBC) (X2) as independent variables are financial performance (Y). Data collection techniques used are documentation and library techniques. The results showed that using the Independent Sample T-Test different tests on the comparison of the financial performance of conventional insurance companies Allianz Indonesia and Manulife Syariah Insurance with the RBC and EWS methods in terms of solvency ratios, liquidity ratios, underwriting ratios, claim expense ratios, fund adequacy ratios, and the retention ratio itself there is a significant difference between the financial performance of Allianz Indonesia Conventional Insurance and Manulife Sharia Insurance. And the financial performance of each insurance company is classified as good financial performance between the two insurance companies