ABSTRACT
The slow and stagnant economic conditions in 2015 caused numerous sectors to decline. Sharia insurance was no exception. Sharia life insurance saw a higher claim growth than contribution growth in 2015. This also happened in the sharia life insurance industry. The objective of this research is to understand the influence, both partially and simultaneously, of Operating Cost, Investment Returns and Claim towards Contribution to sharia life insurance companies in Indonesia during the 2013-2015 period. This research uses a quantitative approach. The type and data source used are secondary data. The sample obtaining technique is by purposive sampling and is obtaining from 18 sharia life insurance companies in Indonesia, with three companies in the form of pure sharia companies (full-fledged) and 15 sharia units as the subject of the research. The analysis technique used is data panel regression by using the Fixed Effect Model (FEM). The result of this research shows that Operating Cost, Investment Returns and Claim simultaneously influence contribution partially. While simultaneously, Operating Cost, Investment Returns and Claims are also influenced significantly.
