| No | Saham | Perusahaan | Harga | Kenaikan |
|---|---|---|---|---|
| 1 | PT. DMS Propertindo Tbk. | Rp 216 | 34.16% | |
| 2 | PT. Indo Acidatama Tbk | Rp 97 | 31.08% | |
| 3 | PT. Asri Karya Lestari Tbk. | Rp 310 | 25.00% | |
| 4 | PT. Bank Sinarmas Tbk. | Rp 880 | 24.82% | |
| 5 | PT. Fortune Indonesia Tbk | Rp 2.480 | 24.62% |
| No | Saham | Perusahaan | Harga | Penurunan |
|---|---|---|---|---|
| 1 | PT. Dwi Guna Laksana Tbk. | Rp 250 | 14.97% | |
| 2 | PT. Kian Santang Muliatama Tbk. | Rp 165 | 14.95% | |
| 3 | PT. Tempo Intimedia Tbk. | Rp 184 | 14.81% | |
| 4 | PT. Fuji Finance Indonesia Tbk. | Rp 294 | 10.91% | |
| 5 | PT. Bhineka Inovasi Ketahanan Energi Tbk. | Rp 870 | 9.84% |
| No | Saham | Volume Hari Ini | Rata-Rata Volume 5 Hari Sebelumnya | Volume Spike (x) | Harga |
|---|---|---|---|---|---|
| 1 | 2,405,000 | 36,900 | 65.18x | 1,685 ( 13.09 % ) | |
| 2 | 151,494,800 | 5,151,100 | 29.41x | 106 ( 4.95 % ) | |
| 3 | 7,298,300 | 259,760 | 28.10x | 236 ( 0.85 % ) | |
| 4 | 76,517,600 | 2,741,360 | 27.91x | 262 ( 15.93 % ) | |
| 5 | 122,514,700 | 5,520,320 | 22.19x | 85 ( 4.94 % ) |
| No | Saham | Perusahaan | Naik | Harga | Win Rate |
|---|---|---|---|---|---|
| 1 | PT. Multi Medika Internasional Tbk. | 21 Hari | 780 (-2.50%) | 70.00 % | |
| 2 | PT. Panca Anugrah Wisesa Tbk. | 20 Hari | 12,225 (1.03%) | 66.67 % | |
| 3 | PT. Industri dan Perdagangan Bintraco Dharma Tbk. | 20 Hari | 109 (3.81%) | 66.67 % | |
| 4 | PT. Abadi Nusantara Hijau Investama Tbk. | 20 Hari | 560 (9.80%) | 66.67 % | |
| 5 | PT. Merdeka Gold Resources Tbk. | 19 Hari | 9,600 (3.23%) | 63.33 % |
| No | Saham | Perusahaan | Harga Awal | Harga Akhir | Profit |
|---|---|---|---|---|---|
| 1 | PT. Alakasa Industrindo Tbk | 725 | 4,580 | 531.72 % | |
| 2 | PT. Intermedia Capital Tbk. | 67 | 264 | 294.03 % | |
| 3 | PT. Asia Sejahtera Mina Tbk. | 505 | 1,810 | 258.42 % | |
| 4 | PT. Abadi Nusantara Hijau Investama Tbk. | 210 | 560 | 166.67 % | |
| 5 | PT. Ekadharma International Tbk. | 170 | 410 | 141.18 % |
| No | Saham | Perusahaan | Value (Rp) | Harga (G/L) |
|---|---|---|---|---|
| 1 | PT. Bank Central Asia Tbk. | Rp 1.493,53 M | Rp 6.475 ( 0.00% ) | |
| 2 | PT. Charoen Pokphand Indonesia Tbk | Rp 1.408,48 M | Rp 2.980 ( 2.61% ) | |
| 3 | PT. Bank Rakyat Indonesia (Persero) Tbk. | Rp 1.145,94 M | Rp 3.250 ( 1.88% ) | |
| 4 | PT. Bank Mandiri (Persero) Tbk. | Rp 980,05 M | Rp 4.230 ( 0.47% ) | |
| 5 | PT. Merdeka Gold Resources Tbk. | Rp 786,53 M | Rp 9.600 ( 3.23% ) |
| No | Saham | Perusahaan | Volume (lot) | Harga (G/L) |
|---|---|---|---|---|
| 1 | PT. DMS Propertindo Tbk. | 38,29 M lot | Rp 216 ( 34.16% ) | |
| 2 | PT. Karya Pacific Energy Tbk. | 28,87 M lot | Rp 126 ( 12.50% ) | |
| 3 | PT. Graha Andrasentra Propertindo Tbk. | 22,40 M lot | Rp 92 ( 15.00% ) | |
| 4 | PT. Bukalapak.com Tbk. | 18,84 M lot | Rp 105 ( 0.00% ) | |
| 5 | PT. Bumi Resources Tbk. | 15,86 M lot | Rp 192 ( 1.05% ) |
| No | Saham | Perusahaan | Frekuensi | Harga (G/L) |
|---|---|---|---|---|
| 1 | PT. DMS Propertindo Tbk. | 152,0K | Rp 216 ( 34.16% ) | |
| 2 | PT. Dian Swastatika Sentosa Tbk | 68,5K | Rp 1.110 ( 3.06% ) | |
| 3 | PT. Puradelta Lestari Tbk. | 66,8K | Rp 208 ( 4.52% ) | |
| 4 | PT. Karya Pacific Energy Tbk. | 66,5K | Rp 126 ( 12.50% ) | |
| 5 | PT. Sinergi Inti Andalan Prima Tbk. | 51,0K | Rp 350 ( 2.94% ) |
| No | Saham | Perusahaan | Asing Net Buy (lot) | Harga (G/L) |
|---|---|---|---|---|
| 1 | PT. DMS Propertindo Tbk. | +6,86 jt lot | Rp 216 ( 34.16% ) | |
| 2 | PT. Karya Pacific Energy Tbk. | +2,81 jt lot | Rp 126 ( 12.50% ) | |
| 3 | PT. Bank Rakyat Indonesia (Persero) Tbk. | +1,15 jt lot | Rp 3.250 ( 1.88% ) | |
| 4 | PT. Sinergi Inti Andalan Prima Tbk. | +938,2 rb lot | Rp 350 ( 2.94% ) | |
| 5 | PT. Bakrieland Development Tbk. | +850,0 rb lot | Rp 40 ( 8.11% ) |
| No | Saham | Perusahaan | Total Buy | Total Sell | Net Buy |
|---|---|---|---|---|---|
| 1 | PT. DMS Propertindo Tbk. | 67,19 jt lot | 60,12 jt lot | +7,07 jt lot | |
| 2 | PT. Bank Rakyat Indonesia (Persero) Tbk. | 34,63 jt lot | 28,97 jt lot | +5,66 jt lot | |
| 3 | PT. GoTo Gojek Tokopedia Tbk. | 5,62 jt lot | 468,0 rb lot | +5,15 jt lot | |
| 4 | PT. J Resources Asia Pasifik Tbk. | 9,63 jt lot | 5,18 jt lot | +4,45 jt lot | |
| 5 | PT. Erajaya Swasembada Tbk. | 11,55 jt lot | 7,71 jt lot | +3,84 jt lot |
| No | Saham | Perusahaan | Asing Net Sell (lot) | Harga (G/L) |
|---|---|---|---|---|
| 1 | PT. Bukalapak.com Tbk. | -12,32 jt lot | Rp 105 ( 0.00% ) | |
| 2 | PT. Charoen Pokphand Indonesia Tbk | -2,28 jt lot | Rp 2.980 ( 2.61% ) | |
| 3 | PT. Puradelta Lestari Tbk. | -1,77 jt lot | Rp 208 ( 4.52% ) | |
| 4 | PT. MNC Tourism Indonesia Tbk. | -1,50 jt lot | Rp 65 ( 1.52% ) | |
| 5 | PT. ESSA Industries Indonesia Tbk. | -988,7 rb lot | Rp 650 ( 5.69% ) |
| No | Saham | Perusahaan | Volume (lot) | Harga (G/L) |
|---|---|---|---|---|
| 1 | PT. GoTo Gojek Tokopedia Tbk. | 58,75 M lot | Rp 50 ( 0.00% ) | |
| 2 | PT. Merdeka Battery Materials Tbk. | 34,51 M lot | Rp 550 ( 0.90% ) | |
| 3 | PT. Indonesian Paradise Property Tbk. | 8,72 M lot | Rp 745 ( 1.36% ) | |
| 4 | PT. Dian Swastatika Sentosa Tbk | 3,34 M lot | Rp 1.110 ( 3.06% ) | |
| 5 | PT. Bakrie & Brothers Tbk | 1,50 M lot | Rp 98 ( 0.00% ) | |
| No | Saham | Perusahaan | Nominal (Rp) | Harga (G/L) |
|---|---|---|---|---|
| 1 | PT. Merdeka Battery Materials Tbk. | Rp 1.915,51 M | Rp 550 ( 0.90% ) | |
| 2 | PT. Indonesian Paradise Property Tbk. | Rp 628,04 M | Rp 745 ( 1.36% ) | |
| 3 | PT. Dian Swastatika Sentosa Tbk | Rp 339,42 M | Rp 1.110 ( 3.06% ) | |
| 4 | PT. Telkom Indonesia (Persero) Tbk. | Rp 167,25 M | Rp 2.600 ( 1.17% ) | |
| 5 | PT. Charoen Pokphand Indonesia Tbk | Rp 158,76 M | Rp 2.980 ( 2.61% ) | |
Combined Ratio: Tolok Ukur Sejati Profitabilitas Asuransi Umum
Dalam dunia saham, perusahaan asuransi umum (general insurance) memiliki karakteristik yang unik. Berbeda dengan bank yang untung dari selisih bunga, asuransi umum hidup dari premi dan klaim. Namun, banyak investor pemula yang keliru melihat laba bersih tanpa memahami apakah laba tersebut berasal dari operasional inti atau hanya dari hasil investasi. Di sinilah Combined Ratio menjadi raja dari semua rasio untuk asuransi umum. Artikel ini akan membahas secara tuntas apa itu combined ratio, mengapa ia lebih jujur daripada laba bersih, serta bagaimana menggunakannya untuk memilih saham asuransi umum yang berkualitas. Apa Itu Combined Ratio? Combined Ratio adalah rasio yang menjumlahkan seluruh beban yang terkait dengan operasional underwriting asuransi (klaim dan biaya) dibandingkan dengan pendapatan premi. Dengan kata lain, rasio ini menjawab pertanyaan sederhana: “Dari setiap Rp100...