PT Asuransi Research Articles

Analysis of Accounting Information System on the Operational Implementation of Sales of Services and Insurance Claims at PT Asuransi Jiwa Manulife Indonesia

This study was made with the aim of finding out the accounting information system in the operational implementation of service sales and insurance claims at PT Asuransi Jiwa Manulife Indonesia. The research method chosen is a type of qualitative research using an approach and described descriptively. The resource persons obtained from several parties were branch administration employees, one of the customers and branch leaders by collecting data through interviews and observations. The problems with PT Asuransi Jiwa Manulife Indonesia are that server services on the website often have errors when uploading documents so that they can hinder operations, too many applications are used so that they cannot be integrated properly, the understanding of insurance products in agents is still low, the recording of accounting information systems is manual so that it is prone to errors when entering report data, Many customers complained about the claim fund disbursement process which took a long time. Based on this problem, the author provides a solution for the company to collaborate with the IT team to create an application or website that becomes a unit so that it can be easily accessed by customers and all agents at PT Asuransi Jiwa Manulife Indonesia.

The Influence of Workload on Employee Performance with Motivation as a Moderating Variable (Case Study of PT Asuransi Jiwa Manulife Indonesia, Cab Ruko Bidex BSD)

PT Asuransi Jiwa Manulife Indonesia Cab Ruko Bidex BSD is part of PT Asuransi Jiwa Manulife Indonesia (Manulife Indonesia). The purpose of this study is to determine the indirect effect of Motivation as a moderating variable in strengthening or weakening Workload on Employee Performance using Linear Regression Analysis. From the results of the analysis, it is known that 1) Workload has a significant effect on Employee Performance with a calculated t value (4.264) > t table (2.006). Where workload has an effect of 26.4% on employee performance and 2) Motivation has a significant effect where Motivation Strengthens the Effect of Workload on Employee Performance with a calculated F value (16.488) > from F Table (3.179). Where workload and motivation have an effect of 49.2%

Proof Of Criminal Origin Related To Money Laundering In Mutual Fund Investment Activities In Supreme Court Decision Number 2937 K/Pid.Sus/2021

The crime of money laundering in the form of mutual fund investments is a serious crime that can threaten the stability of the financial system and economy. Perpetrators use mutual funds as a means to disguise the origin of illegal funds resulting from criminal acts, such as corruption, which are then invested as if they were legitimate funds. This not only harms the country financially, but can also reduce investor confidence in the mutual fund industry. Therefore, it is important to examine the criminal liability of perpetrators of money laundering in mutual fund investments in order to maintain the integrity of the financial system and provide a deterrent effect for perpetrators of similar crimes. This research is aimed at analyzing the legal regulation of criminal acts of money laundering in mutual fund investment activities in Indonesia, proof of predicate crimes related to criminal acts of money laundering in mutual fund investment activities in Supreme Court Decision Number 2937 K/Pid.Sus/2021, as well as criminal responsibility for perpetrators of these crimes. money laundering crime in mutual fund investment activities in Supreme Court Decision Number 2937 K/Pid.Sus/2021.The research method used is normative juridical research, which is supported by primary and secondary data sources. All legal materials were collected using library research techniques using document study data collection tools. Apart from that, field studies were also carried out using interview methods and analyzed qualitatively.The results of the research and discussion concluded that the legal regulations related to the crime of money laundering in mutual fund investment activities in Indonesia are as regulated in Law Number 8 of 2010. Based on Supreme Court Decision Number 2937 K/Pid.Sus/2021, it can be concluded that the defendant Benny Tjokrosaputro proven to have committed a criminal act of corruption together with other parties in managing investments at PT Asuransi Jiwasraya (Persero) which caused state losses amounting to IDR 16.807 trillion, as well as a money laundering crime of IDR 6.078 trillion, so he was sentenced to life imprisonment and payment of compensation to the state, based on valid evidence at trial and the fulfillment of the elements of the criminal act in accordance with the articles charged.

Analisis Implementasi Strategi Pemasaran Asuransi Pendidikan Mitra Iqra Plus Dalam Kajian Asuransi Syariah

Atika Andriani1, Sri Ramadhani, Rahmat Daim Harahap2 1 FEBI UIN Sumatera Utara, Indonesia atikaandriani98@gmail.com1, Sriramadhani@gmail.com2, rdainharahap@uinsu.ac.id3 ABSTRACT Mitra Iqra Plus is one of the products owned by PT. Bumiputera Sharia Life Insurance, KPS Medan, which aims to help fund children's education. The purpose of this study was to determine the implementation of Mitra Iqra Plus' educational insurance marketing strategy in the study of sharia insurance at PT Asuransi Jiwa Syariah Bumiputera, KPS Medan, the application of sharia principles in the implementation of marketing life insurance products at PT Asuransi Jiwa Syariah Bumiputera, KPS Medan, and challenges in implementing sharia. marketing conducted by PT Asuransi Jiwa Syariah Bumiputera, KPS Medan. This type of research uses qualitative research. Data collection techniques in the form of interviews, observations, and documentation. The data analysis technique used is to reduce the data, present the data, then draw conclusions. The results show that PT Asuransi Jiwa Syariah Bumiputera, KPS Medan implements according to sharia marketing principles starting from Wisdom (Strategy), Needs (Needs), Halal (Tayyibat), Welfare (Falah), Mutual Consent. The inhibiting factors in implementing the Mitra Iqra Plus educational insurance marketing strategy are the lack of public knowledge about sharia insurance, lack of public trust in sharia insurance, lack of agents and customers who are difficult to collect for premium payments. The challenge is the lack of technology development, the weak market share of PT. AJS Bumiputera due to lack of support from the government and the community. Keywords: Implementation of Sharia Marketing Strategy, Mitra Iqra Plus, Sharia Insurance.

Sustainability Reporting and SWOT Analysis: Case Study PT Asuransi Sinar Mas

This study aims to analyze the strengths and weaknesses of PT Asuransi Sinar Mas, along with external factors such as opportunities and threats, through a SWOT analysis of the company's 2023 sustainability report. PT Asuransi Sinar Mas, one of Indonesia's largest insurance companies, is an ideal research subject to evaluate how major players in the insurance industry navigate challenges and leverage opportunities to achieve long-term sustainability. A qualitative approach, using literature reviews and case study analysis, was employed. The results indicate that the company has significant potential for growth if it can capitalize on its strengths and opportunities while addressing weaknesses and managing threats effectively. The managerial implications suggest that sustainability reporting and thorough analysis provide critical insights for effective organizational management. Transparent reporting helps managers make informed decisions, build stakeholder trust, and foster innovation, ultimately supporting long-term business sustainability.

Legal Enforcement of Corruption Criminal Act PT Asuransi Jiwasraya (Case Study of Decision 2931 K/Pid. Sus/2021)

This study aims to evaluate the judicial decision in the corruption case involving PT Asuransi Jiwasraya (Persero) based on Verdict Number 2935 K/Pid.Sus/2021, as well as examine the liability of insurance companies in cases of policy payment failures. The research employs a normative legal method with a statute approach, relying on secondary data from documents and legal literature. Data analysis is conducted qualitatively by categorizing and selecting data, which is then analyzed deductively and presented descriptively. The findings indicate that the judge in Verdict Number 2935 K/Pid.Sus/2021 affirmed the legal violations that harmed the policyholders. The liability of the insurance company can be addressed preventively through regulations that provide legal certainty and repressively through criminal law enforcement and civil lawsuits by policyholders for PT Asuransi Jiwasraya (Persero)’s default. Law enforcement authorities are expected to be more proactive and stringent in handling corruption cases, and the government needs to enhance regulations related to policyholder protection, including the establishment of a Policy Guarantee Institution Act. Educating the public about their rights as insurance policyholders is also crucial for raising awareness and vigilance. Further research is necessary to explore the factors contributing to insurance companies’ failures to fulfill their obligations and the effectiveness of existing regulations. Implementing these recommendations is anticipated to create a more just and transparent legal environment, providing better protection for the public.

Tinjauan Atas Prosedur Pengajuan Hingga Pembayaran Klaim Asuransi Kendaraan Bermotor

The development of the number of vehicles is inseparable from the risk of uncertainty that lurks. Therefore, motor vehicle insurance is present as a place to transfer risk from unexpected things that happen to vehicles, or to parties included in the policy. The accounting information system exists because of the need to monitor business activities. In submitting an insurance claim, a procedure is needed regarding the claim submission flow to facilitate the company and monitor the company's performance. The purpose of this review is to determine the application of the system in the procedure for submitting to paying JP-Astor claims. This research was conducted by the author at PT. Asuransi Jasaraharja Putera Bogor Marketing Office located at Jl. Re. Martadinata Komp. Ruko Sentra Air Mancur No. 2h, Bogor Tengah, Bogor City. The results of the review indicate that PT Asuransi Jasaraharja Putera Bogor Marketing Office has been quite good at carrying out the procedure for submitting to paying JP-Astor claims. The claim submission and claim payment system at Jasaraharja Putera Bogor Marketing Office has helped the work of employees and insured parties, so that they know the extent of the claim process that has been submitted. Accounting Information System implemented through Care System helps companies in registering and remote authorization. Keywords: Submission, Payment, Claim, Motor Vehicle

Perkembangan Asuransi Syariah di Indonesia Ditinjau dari Pertumbuhan Eksponensial

The purpose of this study is to determine the six exponential processes experienced by Islamic insurance companies in Indonesia. The research method used is qualitative method. This research uses a literature approach sourced from books, journals and articles that are in accordance with the topic and focus of the research. The literature study method is used in this research to find scientific and theoretical studies. The analysis technique used uses the concept of exponential growth which consists of six stages. The results of this study show that sharia insurance in Indonesia has gone through exponential stages similar to technological developments in other industries. Six stages such as digitalization, deception, disruption, dematerialization, demonetization and democratization have adopted technology and found new ways to integrate those innovations into the business, allowing to increase efficiency, lower costs, and provide added value to customers. PT Asuransi Jasindo Syariah is one of the sharia insurance companies in Indonesia that shows a significant increase to reach the democratization stage, because it is not only a sharia insurance application, but there are many choices of features other than insurance such as several Islamic articles, sadaqah features and the implementation of cash waqf.

Komite Audit, Kualitas Audit dan Audit Tenure dalam Meningkatkan Kekuatan Integritas Laporan Keuangan: Studi Empiris pada Perusahaan BUMN Tahun 2021-2023

This research focuses on state-owned companies in 2021-2023 to evaluate the role of the audit committee, audit quality, and auditor tenure to improve the integrity of financial reports. The integrity of financial reports is a crucial aspect in business and finance because reliable and accurate reports are the basis for stakeholders in making economic decisions. This study was motivated by several cases in state-owned companies, such as PT Garuda Indonesia and PT Asuransi Jiwasraya, which showed dishonesty in financial reporting. This analysis is aimed at assessing the professionalism of the audit committee and the independent monitoring system on the performance taken for this research is secondary. With analysis tools using SPSS version 25. management to produce quality audits. Data a The research methodology involves analyzing data from 36 samples of state-owned companies using classic assumption tests, such as normality tests, multicollinearity tests, autocorrelation tests, and heteroscedasticity tests. The results of the analysis state that the audit committee variable, audit quality has a significant impact on the integrity of financial reports and audit tenure has no significant effect on the integrity of financial reports. The contribution of this analysis is the importance of the audit committee's role in improving the integrity of financial reports as reflected in effectiveness in a transparent and accountable manner, the selection of auditors who have a reputation and high competence ensures reliable financial reports, provides insight into the impact of long-term relationships between auditors and clients on the integrity of financial reports.

Penerapan Algoritma Apriori untuk Rekomendasi Asuransi pada Nasabah

Jasindo Insurance Company is one of the insurance companies that receives insurance coverage both directly and indirectly, with ownership of 1 share of dwiwarna series A owned by the Republic of Indonesia and 424,999 shares of Series B owned by PT Bahana Pembinaan Usaha Indonesia (Persero). PT Asuransi Jasa Indonesia has several products and choices in choosing which insurance is needed by customers in agriculture, health, education and many more. Due to the large amount of competition in the business world, it requires management to find the right strategy in increasing the use of Jasindo insurance by knowing the relationship between age, gender, marital status, occupation and the type of Jasindo insurance that is widely chosen by customers. In order to find out the use of insurance that is widely used by the community, it is necessary to analyze the data on the use of insurance using the apriori algorithm method to determine the combination between item-sets of transaction data on Jasindo insurance data. Based on the research conducted after experimenting with the above case with a minimum support = 25%, confidence = 100% so that the results of the rule that meets the support and confidence values are obtained, namely if the gender is male, the marital status is Unmarried, then the type of insurance is jasimdo health and jasindo rainbow then giving value is successful with 25% support, 100% confidence.

Manajemen Strategi Pemasaran Produk Manulife Saving Protector pada PT Asuransi Jiwa Manulife Surabaya Pusat

One of the best insurance companies in Indonesia is PT Asuransi Jiwa Manulife Indonesia, a financial services provider from Canada that operates in Asia, Canada and the United States. Headquartered in Toronto, Canada, Manulife has been serving customers for more than 155 years. Manulife is traded under the symbol ‘MFC’ on the Toronto, New York and Philippine stock exchanges, and under the symbol ‘945’ in Hong Kong. Manulife Indonesia has offered a variety of financial services including life insurance, accident and health insurance, investment services and pension funds to individual customers and business actors in Indonesia. Manulife Indonesia has served more than 2 million customers in Indonesia through a network of more than 11,000 employees and professional agents spread across 30 marketing offices. Given the increasing market potential in Indonesia, many insurance companies, both local and foreign, are trying to reach the market in Indonesia. In order for the company to be able to compete with other insurance companies, a sales strategy and product are needed that can attract the interest of its customers. One of the most popular products owned by PT AJ Manulife Indonesia is Manulife Saving Protector, which is the only individual dual-purpose life insurance product (endowment) that can provide Insurance Money of up to IDR 1.5 billion without having to undergo a medical examination first. The insurance industry in 2023 is projected to increase along with improving economic conditions in Indonesia. However, the level of public distrust can hinder the development of this industry. This causes many people to tend to delay opening an insurance policy.

Efficiency Analysis of Islamic Life Insurance and Islamic General Insurance with Data Envelopment Analysis (DEA) Approach 2017-2022

The Islamic insurance industry in Indonesia has yet to reach stability. There are still numerous issues to be addressed on both the demand and supply sides. An efficiency study is required to establish the extent to which Islamic insurance companies may optimize their resource use and have a significant impact on Islamic finance in Indonesia. The goal of this study is to evaluate the effectiveness of Islamic Life Insurance and Islamic General Insurance in Indonesia from 2017 to 2022. The purposive sampling strategy was used to acquire the data for this investigation. The approach used is Data Envelopment Analysis (DEA) with VRS assumptions. According to the study's findings, Islamic Life Insurance and Islamic General Insurance achieved the maximum level of efficiency (100 percent) between 2017 and 2022. However, PT Asuransi Islam Keluarga Indonesia as Islamic Life Insurance and PT Asuransi Jasindo Syariah as Islamic General Insurance have yet to achieve efficiency. This is because the company's tabarru funds, total assets, operating expenses, and claim expenses still need to be more efficient.

ASURANSI SYARIAH : BAGAIMANA KEDEPANNYA?

Syarikat Takaful Indonesia (Takaful Indonesia) in 1994. The research method used in this research is literature study (Case Study) analyzing from books or various studies that have been done previously. This study aims to critically examine sharia insurance and what will happen in the future? The result of this research is that the birth of Takaful Indonesia as a holding company for PT Asuransi Takaful and PT Asuransi Takaful Umum, the first Life and General Sharia Insurance in Indonesia, is the result of commitment and concern for various elements of the nation towards the development of the sharia economy, especially sharia insurance in Indonesia. According to OJK data, as of November 2019, sharia insurance assets against conventional insurance showed a figure of 6.17% or Rp 44.75 trillion (OJK, 2019). To improve and enhance the promotion of the sharia insurance market, support from all parties, be it the government, industry and stakeholders, especially in an effort to increase sharia insurance literacy effectively and massively through socialization of public education.

Implementing Design Thinking for UI/UX Optimization: Insights from PT. Asuransi Simas Jiwa

PT Asuransi Simas Jiwa is one of the companies that has implemented a fairly good information system in carrying out business processes. Siji Sales Force is a website-based information system used by Sales Agents to create, design and manage digital marketing activities. Based on the data collection results, it is known that several problems with the Siji Sales Force Web include shortcomings in terms of the appearance and functionality of the website. Based on observations of the features in the report menu, errors often occur and there has been no evaluation from the relevant parties. This research aims to provide recommendations for UI/UX design on the Siji Sales Force Website based on the results of analysis using the Design Thinking method. Design Thinking is an approach or method of problem solving both cognitively, creatively and practically to answer human needs as users. Design recommendations are built in prototype form using the Figma application. The prototype that was built was tested for usability using the System Usability Scale (SUS), obtaining a score of category B or "Good" which indicates that the prototype design meets acceptable requirements or is declared acceptable by interested parties. Based on the test results, the design redesign was acceptable and considered effective, so it is hoped that the design created can become a recommendation for the system development team to improve the Siji Sales Force website.

THE EFFECT OF SERVICE QUALITY AND BRAND IMAGE ON CUSTOMER LOYALTY WITH CUSTOMER SATISFACTION AS AN INTERVENING VARIABLE

This study aims to analyze the effect of service quality and brand image on customer satisfaction and its impact on customer loyalty at PT Asuransi Jasindo Syariah. Service quality and brand image have a very important role in building positive relationships with customers, which can increase customer satisfaction and loyalty.This research method involves surveying customers of PT Asuransi Jasindo Syariah to collect primary data. The sampling technique was carried out using purposive sampling method, and the data were analyzed using path analysis to measure the relationship between these variables. The results of data analysis show that service quality and brand image significantly affect customer satisfaction. In addition, customer satisfaction is also proven to have a significant impact on customer loyalty.The implication of these findings is that PT Asuransi Jasindo Syariah needs to continue to improve the quality of service to its customers and strengthen its brand image in order to maintain and increase customer satisfaction, which in turn will contribute to increased customer loyalty. Company management needs to understand the importance of maintaining positive relationships with customers and focus on developing strategies to improve service quality and strengthen brand image in order to achieve the company's long-term goals.

The Impacts of Organizational Changes on Negative Emotion Resulting on Employee Trust in the Insurance Office of PT. Asuransi Sinar Mas Indonesia

Recently, the insurance industry has been dealing with industrial revolution 4.0, which is a major change in the technology sector that causes many changes in other sectors. The industrial revolution 4.0 begins with the utilization of moveable and controllable machines in the production process. It starts from using simple robots to sophisticated computers. The potential impact of Industry 4.0 is the emergence of employee resistance to change in the organization. This research aims to reveal, analyze, and discuss the role of organizational changes in predicting negative emotions and impacts on trust in organization. The sample used in this research was 207 participants, who were employees at the insurance office of PT Asuransi Sinar Mas Indonesia. Then, the sampling technique used saturated sampling and a questionnaire as a data collection tool. Structural Equation Modeling (SEM) analysis was used as a data analysis technique using the SMART PLS 3 application. The results of this research indicate that organizational change caused significant negative emotions among employees. Eventually, employees became antitrust in organization. The limitation of this research was that it only involved employees of the PT Asuransi Sinar Mas insurance office in all regions of Indonesia, so the generalization of the results of the research could not be conducted.

PERTANGGUNGAN RESIKO MENURUT FATWA DSN-MUI NO. 39 TAHUN 2002 TENTANG ASURANSI HAJI: STUDI PADA KEMENAG KOTA BANDA ACEH

This article aims to analyse the practice of Hajj insurance at the Ministry of Religious Affairs of Banda Aceh City with a review according to Fatwa DSN-MUI Number 39 of 2002 concerning Hajj insurance. The role of the government in the management of Hajj insurance and the mechanism for submitting Hajj insurance claims are analysed. The problems in this study focus on how is the practice of Hajj insurance for pilgrims and the mechanism for submitting Hajj insurance claims at the Ministry of Religious Affairs of Banda Aceh City with relevance to the DSN-MUI Fatwa Number 39 of 2002 concerning Hajj Insurance Practices. The primary data is gathered from interviews and observations. While secondary data is obtained from the results of research related to this study. The results showed that, first, the insurance practice at the Ministry of Religious Affairs of Banda Aceh City is only limited as a facility provider who proposes to the Central Ministry of Religion Office as a policy holder, so that the insurance claim process occurs at the central level and can be confusing for pilgrims. Nevertheless, the Hajj insurance used by pilgrims is considered in accordance with Islamic teachings because it is sharia-based. Second, the mechanism for submitting insurance claims, families can apply for insurance to the provincial ministry of religion office which will then be submitted to the centre while carrying a number of requirements. Some of the requirements include a death certificate (SKK), a statement letter of heirs from the sub-district and the account number of the deceased or heirs. Third, in the review of the DSN-MUI fatwa No.39 of 2002 concerning Hajj insurance, the practice of Hajj insurance that occurs at the Ministry of Religious Affairs of Banda Aceh City is still less than optimal. Hajj pilgrims do not even know at all about the insurance claim process. Especially for pilgrims from the regions, the process of submitting claims is considered difficult to understand. In fact, the heirs of pilgrims often do not know how to submit insurance claims used by pilgrims, the absence of representatives from PT Asuransi Takaful Keluarga in the regions is also an obstacle in the process of submitting claims, so that the families of pilgrims face challenges in submitting claims with a long procedures.

The Impacts of Organizational Changes on Negative Emotion Resulting on Employee Resistance in the Insurance Office of PT Asuransi Cakrawala Proteksi Indonesia (ACPI)

Recently, the insurance industry has been dealing with industrial revolution 4.0, which is a major change in the technology sector that causes many changes in other sectors. The industrial revolution 4.0 begins with the utilization of moveable and controllable machines in the production process. It starts from using simple robots to sophisticated computers. The potential impact of Industry 4.0 is the emergence of employee resistance to change in the organization. This research aims to reveal, analyze, and discuss the role of organizational changes in predicting negative emotions and impacts on resistance to change. The sample used in this research was 101 participants, who were employees at PT Asuransi Cakrawala Prokteksi Indonesia (ACPI). Then, the sampling technique used saturated sampling and a questionnaire as a data collection tool. Structural Equation Modeling (SEM) analysis was used as a data analysis technique using the SMART PLS 3 application. The results of this research indicate that organizational change caused significant negative emotions among employees. Eventually, employees became resistant. The limitation of this research was that it only involved employees of the ACPI’s insurance office in all regions of Indonesia, so the generalization of the results of the research could not be conducted.

Investment Analysis at PT Asuransi Takaful Keluarga against Optimal Portfolio

This article aims to determine the development of investment and which type of investment is optimal at PT Asuransi Takaful Keluarga. Qualitative and quantitative approaches are used in this research. The author in this case uses a linear program Excel solver maximizing returns to analyze investment development and analyze which type of investment is the most optimal at PT Asuransi Takaful Keluarga in 2020-2022. The investment tools used include mudarabah deposits, sukuk (Sharia Bonds), mutual funds, murabahah financing and stocks. The results of the analysis show that investment development has increased and decreased in each year and at PT Asuransi Takaful Keluarga has the optimal type of investment, namely Mudarabah deposits and sukuk.

Dampak Gaya Kepemimpinan Terhadap Motivasi Kerja Karyawan Pada PT.Asuransi Asoka Mas Surabaya

This research aims to analyze the influence of leadership and financial compensation on performance of employees of PT Asuransi Asoka Mas Surabaya. This research data obtained from the questionnaire and some observations and interviews with relevant parties. Research findings show that leadership variable effect on the motivation of working. Research methods used in this study using multiple linear regression analyst. In testing simultaneously by using the F test showed a real influence among variables with variables bound. In the relationship between this generated koefisiens simultaneous determination (R2) of the existing data show that, the third free variables bound variable that is able to explain the motivation of working, while the value of the correlation (R) shows that the relationship between the free variables in its entirety with the variables are bound is quite strong. Partially motivational variables (X1) the dominant effect against the motivation of working with value t calculate > t table. It can be concluded that the performance of employees on the influence by the leadership style against employee motivation.