PT Asuransi Research Articles

ANALISIS STRATEGI IMC PUBLIC RELATIONS DALAM MENINGKATKAN PENJUALAN PRODUK ASURANSI PADA MASA PANDEMI (STUDI KASUS : PT ASURANSI BINAGRIYA UPAKARA SEMARANG)

Binagriya Upakara Semarang Insurance is an insurance company that provides general insurance services. Different from other insurance companies which faced a decline during this pandemic, Binagriya Upakara Semarang Insurance had a very significant increase in sales of insurance products during this pandemic. The purpose of this study is to determine the IMC (Integrated Marketing Communication) strategy carried out by PT Asuransi Binagriya Upakara Semarang during the pandemic in an effort to maintain the company's existence and to determine the success of using the IMC (Integrated Marketing Communication) strategy during the pandemic.This is a descriptive qualitative method with the interview, observation, and data documentation collection techniques. The results of this study indicate that Binagriya Upakara Semarang insurance has used all elements of IMC (Integrated Marketing Communication) well, including advertising, direct marketing, social media and website/internet marketing, sales promotion, public relations, personal selling, sponsorship, and Word of Mouth (WOM), but there are three elements that stand out the most and have a big impact on sales, namely by being a sponsor in a well-known hotel, conducting personal selling by visiting directly to prospective customers/insured and doing Word of Mouth (WOM) promotion which based on the good credibility of Binagriya Upakara Semarang Insurance. 
 

Analisis Rekrutment dan Seleksi Karyawan PT Asuransi Jiwa Syariah Bumiputera Cabang Jambi

PT. Asuransi Jiwa Syariah Bumiputera in conducting employee recruitment is fully carried out by the head office or regional office, while agent recruitment is carried out by branch offices using two internal methods and external methods. Second, the selection process carried out at PT. Asuransi Jiwa Syariah Bumiputera Jambi Branch is in line with recruitment, during the internal recruitment process the selection process is carried out internally and does not go through many series of selections, while during the external recruitment process the selection stages are carried out gradually starting from from administrative tests, interviews, academic tests, written tests and to the final interview that determines whether the application is accepted or not. Third, the factors that become the internal strength of the recruitment and selection of PT Asuransi Jiwa Syariah Bumiputera Jambi Branch are using different procedures between internal recruitment and external recruitment, optimizing existing resources, and having a conducive work environment. While the factor that becomes a weakness in the recruitment of PT Asuransi Jiwa Syariah Bumiputera Jambi Branch is when internal recruitment is used, it means that there will be employee transfers between units which will cause problems if there is no replacement, while using external recruitment procedures and costs are not small. Fourth, external factors that become opportunities for recruitment and selection of PT Asuransi Jiwa Syariah Bumiputera, namely the opening of opportunities for contract employees and non-permanent employees to become permanent employees of PT Asuransi Jiwa Syariah Bumiputera, opening opportunities for the general public to have a career at PT Asuransi Jiwa Syariah Bumiputera, and opening up opportunities for old employees to develop games. While the factors that pose a threat are prospective employees who are not in accordance with the company's needs, in addition to employee recruitment and marketing personnel can cause internal piracy, and promotions cause disharmony and competition between employees.

The Role of Customer Satisfaction in Mediating the Effect of Service Claim and Brand Image on Customer Loyalty at PT Asuransi Sahabat Artha Proteksi in Jakarta

The purpose of this study was to determine the role of customer satisfaction in mediating the effect of Service Claim and Brand Image on Customer Loyalty at PT Asuransi Sahabat Artha Proteski in Jakarta. This research was conducted using the Probability Sampling method with the type of Simple Random Sampling. Researchers distributed questionnaires to 100 respondents who were customers of PT Asuransi Sahabat Artha Proteksi in Jakarta. Data analysis using SmartPLS Analysis version 3.3. The results of this study indicate that service claims have a positive and significant effect on customer loyalty. Brand image has a positive and significant influence on customer loyalty. Service claims have a positive and significant effect on customer satisfaction. Brand image has a positive and significant influence on customer satisfaction. Customer satisfaction has a positive and significant influence on customer loyalty. Customer satisfaction mediates the effect of service claims on customer loyalty. Customer satisfaction mediates the effect of brand image on customer loyalty.

PENGARUH KEPUASAN KONSUMEN DAN KUALITAS PELAYANAN TERHADAP LOYALITAS KONSUMEN DI PT. ASURANSI RAMAYANA SERANG

This research was conducted to determine the effect of partially and simultaneously consumer satisfaction and service quality on consumer loyalty at PT. Ramayana Serang Insurance. The research method used is a survey with a quantitative approach, the population is all consumers of PT Asuransi Ramayana Serang who are active in January 2021 as many as 552 employees and the determination of the sample using the slovin formula so that the sample is 85 samples. The results of the analysis show that consumer satisfaction has a positive and significant effect on consumer loyalty, this is evidenced by the value of tcount greater than ttable (6.159>1.989) with sig. 0.000 <0.05 so H0 is rejected and Ha is accepted. The results of the analysis show that service quality has a positive and significant effect on consumer loyalty, this is evidenced by the value of tcount greater than ttable (8,546>1,989) with sig. 0.000 <0.05 so that H0 is rejected and Ha is accepted. The results of the analysis show that consumer satisfaction and service quality have a positive and significant effect on consumer loyalty, this is evidenced by the value of Fcount>Ftable (130.102>3.11) and the value of sig F < (0.00<0.05). So it can be concluded that Ho is rejected and Ha is accepted. Consumer Loyalty is explained by the variable of consumer satisfaction and service quality of 76%.

Rancangan Metode Manajemen Proyek Hibrida

PT Asuransi Simas Jiwa already has a standard or SOP for project management. However, the company growth, the dynamic business conditions, and expectations from management to produce products or services faster have made this SOP irrelevant. Some project management activities in the company that are not in accordance with the documented SOP make this condition worse. Project management in the company becomes ineffective and inefficient.Changes in the project management standards become an important thing. This research aims to produce an effective and efficient project management standard design for this company. This standard is expected to be able to regulate project management activities in this company with existing project management best practices. In addition, the proposed new standards must also meet the expectations of management.This research is a kind of qualitative research with design science research (DSR) research methods. This method was chosen because it can provide an opportunity for researchers to evaluate and improve each step of the research. In addition to the design and development phase, the researcher also adopted the agile transition practice selection framework. This research has two iterations. The first iteration produces a project management standard design that describes the real activities in this company. Meanwhile, the second iteration produces a draft of the project management standard that complies with project management best practices in accordance with the PMBOK seventh edition. The project management standard produced from the second iteration will be proposed to the company as a replacement for the current SOP.

Mekanisme Fitur Wakaf pada Produk Asuransi Jiwa Syariah PT Allianz Life Indonesia

This study describes the waqf features of AlliSya Protection Plus Unit Link Endowments on Sharia Life Insurance Investment products at PT Asuransi Allianz Life Indonesia. This type of research uses field research (field literature) and literature (library research) with a qualitative approach that is descriptive as well as analyzing data with the analysis description method. The results of the study show the fact that the waqf feature starts with the waqf application and promise procedure and involves the waqf agency. This study also revealed a large percentage of insurance benefits that can be donated a maximum of 45% and a potential benefit of a maximum investment value of 30% into waqf institution. Running waqf features on Islamic life insurance products is an increase in increasing the collection of endowment funds, thereby increasing both the welfare of society and economic development.

Peranan Strategi Pemasaran Produk Fulnadi Dalam Upaya Meningkatkan Penjualan pada Asuransi Takaful Keluarga Palembang

The focal point of exploration analyzed in this last attempt is the work of the day-to-day goods promotion system with the aim of establishing a Palembang family takapul protection agreement. In this review the author uses subjective exploration, which describes the information obtained from the field related to the examination problem above. Observing the things above, this review uses a subjective expressive technique which is expected to describe or describe circumstances or oddities such as during exam hours, more precisely introducing information about the full blown goods promotion methodology by PT Asuransi Takaful. Palembang Branch Family. The method of gathering information in this review utilizes perceptions, encounters and documentation. This exploration concludes that the showcasing all out item technique by PT Asuransi Takaful Keluarga Palembang Branch uses two procedures, namely: First, the methodology which is a system for its implementation in the actual organization, as far as working on the nature of HR for advertisers to become proficient advertisers by leading exams, inspiration, and territorial assessments. Second, procedures outside the province. Second, the outside methodology in its application is completed by advertisers when selling goods, such as how to manage future clients, introduction of goods, great correspondence and exchange. The execution of this system in the field is extraordinary, as evidenced by the increasing number of regular clients by PT Asuransi Takaful Keluarga Palembang Branch.

Allocation of the Number of Employees Based on Workload at PT Asuransi Central Asia Medan Branch

Human resources are individuals who work as the cogs of a company and can produce ideas that are useful for the company. A company must have a department which in carrying out its duties functions to regulate planning in Human Resources and in carrying out the department concerned will calculate the number of employees who will then be given authority or responsibility for their work. Productivity and work efficiency can be disrupted if there is an employee workload. Employee workload can occur when doing tasks that exceed the ability of employees. At PT Asuransi Central Asia there is an imbalance of work in some divisions and causes delays in completing work. In addition, the distribution of employees in each work unit, there are still those who do not refer to the workload and there are also employees who do not use their productive time as well as possible. The purpose of this study is to analyze the working time of employees by using the Work Sampling method and also to analyze the amount employee needs based on workload measurement with the Full Time Equivalent method. The results of this study indicate that the effective working day for a year is 226 days and the effective working time is 1,360 hours for five working days per week. Through the Work Sampling method, it is known that the total time for productive activities is 78%, unproductive activities are 11% and personal activities are 11% with a 30% allowance. Based on the results of measuring the workload with the Full Time Equivalent method, it can be seen that there are 16 employees with an under load workload, an in load workload of 13 employees and an employee with an overloaded workload of 8 employees. Therefore, the company can take several steps to optimize its employees, namely by transferring tasks from overloaded employees to under loaded employees in the same division, companies can also increase working time with overtime wages without having to add 5 employees to save company costs, companies can also conduct employee transfers, provide training and education to improve employee skills and knowledge, and pay attention to the employee's work system. Keywords: Employee Needs, Workload, Work Sampling, Full Time Equivalent.

FAKTOR-FAKTOR YANG MEMPENGARUHI NASABAH ASURANSI DALAM MEMILIH PRODUK KESEHATAN PADA PT. ASURANSI PRUDENTIAL SYARIAH CABANG BINJAI

This study aims to determine the effect of customer’s knowledge, motivation, and promotion towards the choice of health insurance products at PT Asuransi Prudential Syariah Branch Binjai. The data in this research is used by collecting 34 quetioners of insurance customers. And then the data is processed and analysed. In this research, quantitative methode is used to know the effect, so multiple linear regression analysis, t-test, F-test, and determinant analysis are used. Based on the research, the result is customer’s knowledge has no effect towards the choice of health insurance products, motivation has a effect towards the choice of health insurance products, and promotion has a effect towards the choice of health insurance products. Based on F-test the result is the value of Fhitung is 4,959. The value of Fhitung is more than the value of Ftable 2,922, so it can be know that customer’s knowledge, motivation, and promotion simultaneously have a significant effect towards the choice of health insurance products at PT Asuransi Prudential Syariah Branch Binjai.

Data Migration Technique Options on Reforming Jiwasraya's Existing Database

PT Asuransi Jiwasraya has been facing a crisis since 2020, which later probably demand them to reconstruct their insurance policy. Nothing is decided aside from the reconstruction idea. This is a hard task to deal with as there is a high risk to be borne along. In the worst case, bankruptcy awaits. As technology has taken over most industries, including insurance, it is only normal for the company to take advantage of the applied technology. However, it is still unknown whether the database used could help fulfill the mission. Considering loads of data might be higher by year, it will be more efficient to use the integrated database to transfer the whole data into a new-adapted database rather than creating a new one and manually adapt then add the data. This could be done by doing a Bottom-up approach that occurs in two big steps. This is the safest choice now which is handy and possible.

Social Media Activity dan Customer Experience dalam Membentuk Relationship Quality

Social media activities and positive user experiences are very important for Public Relations (PR) strategy in three aspects, namely as a media for presentation, communication, and improving PR performance, where social media activities that can be in line with users' positive experiences will be able to function to show organizational identity, create communication, direct decision making and improve the organization's mutual relationship strategy with its publics. This study aims to understand the relationship between social media activity and customer experience in establishing relationship quality which is implemented in specific insurance companies through a study approach at PT Asuransi Jiwa Astra, which was later known as Astra Life. This research method uses a quantitative approach using the positivism paradigm. The research population is Astra Life's active customers and 100 respondents are assigned as a representative sample. Data were collected through an online survey and analyzed using the Partial Least Square (PLS) method. The results of the study indicate that Social Media Activity and Customer Experience have a positive effect in shaping Relationship Quality. The results of this study also show that Social Media Activity and Customer Experience are very strong in explaining the success of Astra Life's PR Relationship Quality strategy approach with customers so that further research can also identify Social Media Activity and Customer Experience approaches in building Relationship Quality in similar service industries in order to obtain findings. the benefits of research in the field of communication Public Relations are more diverse.

The Performance of Sharia Insurance Companies based on Maqashid Sharia Index in Indonesia, Malaysia, and Bahrain: A Comparatif Study

This study aims to determine sharia Insurance companies performance according to the Maqashid Sharia index. The study was conducted using Simple Additive Weighting (SAW). The population and sample in this study are from Indonesia, Malaysia and Bahrain from 2016 to 2018. The analysis results show that Sharia Insurance in Indonesia, Malaysia and Bahrain have different performance ratio which is measured from the rank: 1) PT Asuransi Ramayana, Tbk (IDN), 2) AmMetLife Takaful Berhad (MYS), 3) Hannover Retakaful B.S.C (BHR), 4) PT Asuransi Ekspor Indonesia (IDN), 5) Takaful International Co.B.S.C (MYS), and 6) Etiqa Takaful Berhad (BHR). This study implies that the average performance ratio of Sharia Insurance in Indonesia is the best with 57.9%, followed by Bahrain with 29.8% and Malaysia with 27.2%. The results of this study are expected to have implications for the method of assessing the performance of Islamic insurance which does not only focus on financial performance, but also performance based on Maqashid Syariah. In addition, the results of this study are expected to enrich Islamic economics, particularly related to the measurement of sharia insurance performance.

Restructuring Insurance Policy as an Ultra Vires Action Based on Limited Liability Company Law

As mentioned in the Constitution of the Republic of Indonesia of 1945, everyone has the right to live and the right to defend his life. All citizens are equally in the law and must uphold the law without exception. These rights and obligations also apply to workers who after devoting their lives for decades to the state through the company in which they work, entering retirement age and subsequently starting a new life as a retiree. There is a belief that State-Owned Enterprises (it is called as BUMN) is unlikely to go bankrupt because it is owned by the State, becomes the main choice of retirees to entrust the management of their pension funds to PT Asuransi Jiwasraya (Persero). The problem arises when Jiwasraya plans a restructuring program of all Jiwasraya insurance policy, including an annuity policies owned by millions of retirees as a result of the losses suffered by Jiwasraya due to mismanagement and corruptive behavior of former The Board of Directors of Jiwasraya. Pensioners strongly object to the restructuring plan because it has the effect of reducing monthly pensioner benefits by up to 40% (forty percent), a very large amount that means for retirees who rely heavily on monthly money from pension funds, especially during the Covid-19 pandemic health and life costs are also increasing. This study will analyze whether the actions of The Board of Directors of Jiwasraya who restructure insurance policies fall into the category of ultra vires (actions outside the the board of directors authority), which to answer it researchers will use normative juridical research methods. From the results of this study, it was concluded that the insurance policy restructuring program is an ultra vires action, therefore it must be null and void.

Analisis Kecurangan Terhadap Praktik Laporan Keuangan PT. Asuransi Jiwasraya (Persero) Di BEI Tahun 2017-2019

This research discusses fraud against the financial reporting practices of PT Asuransi Jiwasraya (Persero) 2017-2019, where the information presented in the financial statements must not have the interest of one party because it will harm the other party. This study aims to determine the occurrence of fraud in the practice of financial reporting at PT Asuransi Jiwasraya (Persero) in 2017-2019. This study uses secondary data. The population in this study is the company PT Asuransi Jiwasraya (Persero) which is listed on the Indonesia Stock Exchange in 2017-2019. This research uses descriptive quantitative method with descriptive statistical analysis tools and literature study collection methods. The results show that the income at PT Asuransi Jiwasraya (Persero) in 2017-2019 has increased quite significantly while the expenses for PT Asuransi Jiwasraya have also increased but overall it is very significant. This shows that the income at PT Asuransi Jiwasraya (Persero) has increased significantly when their expenses are high. In the case of this financial statement, the company should as much as possible reduce the expenses on the company so that they are more focused on company revenue.

ANALISIS KECURANGAN TERHADAP PRAKTIK LAPORAN KEUANGAN PT ASURANSI JIWASRAYA (PERSERO) DI BEI TAHUN 2017-2019

This research discusses fraud against the financial reporting practices of PT Asuransi Jiwasraya (Persero) 2017-2019, where the information presented in the financial statements must not have the interest of one party because it will harm the other party. This study aims to determine the occurrence of fraud in the practice of financial reporting at PT Asuransi Jiwasraya (Persero) in 2017-2019. This study uses secondary data. The population in this study is the company PT Asuransi Jiwasraya (Persero) which is listed on the Indonesia Stock Exchange in 2017-2019. This research uses descriptive quantitative method with descriptive statistical analysis tools and literature study collection methods. The results show that the income at PT Asuransi Jiwasraya (Persero) in 2017-2019 has increased quite significantly while the expenses for PT Asuransi Jiwasraya have also increased but overall it is very significant. This shows that the income at PT Asuransi Jiwasraya (Persero) has increased significantly when their expenses are high. In the case of this financial statement, the company should as much as possible reduce the expenses on the company so that they are more focused on company revenue.

Maturity Evaluation of Information Technology Governance at PT Insurance XXX Using the DSS02 and DSS03 domain Cobit 5 Framework

PT Asuransi XXX is one of the largest national general insurance companies in Indonesia, which since its inception was focused on the oil and gas industry. As time goes by and the development of the business world, XXX insurance company responds to market challenges by expanding its business to segments outside the oil and gas industry, including aviation, chemical & petrochemical, power generation, mining and manufacturing, both conventional and sharia-based businesses. Supporters of the company's operational development have implemented a reliable application system. In its development, this system needs to be managed for service request management, incidents and management, because this system is getting bigger, more complex and the number of users is increasing. To measure however great the quality of service, ongoing information is needed an audit method that can measure whether the services provided have been running well, effectively and efficiently. COBIT 5.0 DSS02 and DSS03 domains are used as methods to measure whether the level of IT service demand management capabilities, incidents in managing problems with the system, has been running effectively and optimally. From the measurement results of all these processes, it can be seen that the DSS02 and DSS03 levels are at level 2 (managed).

Perlindungan Hukum Asuransi Pengguna Jalan Tol Oleh PT. Jasa Raharja Saat Mengalami Kecelakaan Lalu Lintas Pada Ruas Jalan Tol Jakarta-Cikampek

Insurance comes from the word vezekering which means coverage. The person who is covered is called vezekerde and the insurance company is called verzekeraar. Initially, insurance has to manage, transfer or share risks, along with economic development and development developments in various sectors in the fields of industry, economy, infrastructure and technology, causing more problems to occur, especially problems regarding legal protection for the community, along with developments in the field of infrastructure development, for example in toll road construction, so that legal protection for toll road users is urgently needed. Social insurance is social insurance established by the Indonesian government based on statutory regulations, when viewed from the social insurance legal products that have been issued in Indonesia, it can be seen that social insurance programs are generally known, one of which is the Passenger Accident Social Insurance which is currently better known as Jasa Raharja. And to carry out coverage, the Indonesian government appointed PT Asuransi Jasa Raharja to manage and distribute compensation funds to traffic accident victims including traffic accident victims on the Jakarta-Cikampek toll road.

PROSES PENGAJUAN KLAIM DI ASURANSI TUGU KRESNA


 Asuransi Tugu KresnaPratama (General Insurance) was founded in 1991 originally named PT Asuransi Ratu Sampoerna and in 1993 the company name changed to PT Asuransi Tugu Kresna Pratama. This research tries to describe how the process of filing motor vehicle claims. AT PT. Tugu Kresna Pratama Insurance. The process of submitting claims for motorized vehicles (1) Immediately notifies / reports to the branch / representative office within three working days, (2) In the event of a claim of losing part of the vehicle, it must be photographed before it is ready for use, either by the branch / representative office or by the repair shop (if necessary), (3) The branch / representative office checks valid claims against the validity of the policy or the conditions of the agreement in the policy, (4) PT tugu kresna carefully analyzes the related claim documents. The decision to accept it is accepted or not, among others, in the event that the claim is not valid, the claim will be immediately rejected (in writing) on the grounds: Not guaranteed the condition of the policy and does not meet the policy requirements Because the loss or accident can be proven to be untrue / engineered (not giving / convey the true facts or fraud).

PERTANGGUNGJAWABAN PERUSAHAAN MANAJER INVESTASI YANG TERLIBAT TINDAK PIDANA KORUPSI (STUDI KASUS PT. ASURANSI JIWASRAYA (PERSERO))

Corporate crime in Indonesia is a very difficult matter for law enforcers. In fact, this is very difficult, especially in terms of criminal liability and it is precisely this corporation that is deeply involved in business crimes, especially corruption. In 2018 and 2019 PT Asuransi Jiwasraya (Persero) announced that the company was in default to a number of its customers due to the wrong placement of investment funds which resulted in state losses. Several customers who felt that they were aggrieved have filed a lawsuit and criminal reports against PT Asuransi Jiwasraya (Persero). Meanwhile, the attorney general's office has also named several suspects suspected of being involved in criminal acts of corruption and causing PT Asuransi Jiwasraya (Persero), which in this case is a State-Owned Enterprise (BUMN) to suffered losses. This paper discusses about legal protection for victims of PT Asuransi Jiwasraya (Persero) and also discusses about the accountability of PT Asuransi Jiwasraya (Persero) as well as the role of state institutions to carry out company supervision of investment managers involved in the PT Asuransi Jiwasraya (Persero) case.

PERTANGGUNGJAWABAN PERUSAHAAN MANAJER INVESTASI YANG TERLIBAT TINDAK PIDANA KORUPSI (STUDI KASUS PT. ASURANSI JIWASRAYA (PERSERO))

Corporate crime in Indonesia is a very difficult matter for law enforcers. In fact, this is very difficult, especially in terms of criminal liability and it is precisely this corporation that is deeply involved in business crimes, especially corruption. In 2018 and 2019 PT Asuransi Jiwasraya (Persero) announced that the company was in default to a number of its customers due to the wrong placement of investment funds which resulted in state losses. Several customers who felt that they were aggrieved have filed a lawsuit and criminal reports against PT Asuransi Jiwasraya (Persero). Meanwhile, the attorney general's office has also named several suspects suspected of being involved in criminal acts of corruption and causing PT Asuransi Jiwasraya (Persero), which in this case is a State-Owned Enterprise (BUMN) to suffered losses. This paper discusses about legal protection for victims of PT Asuransi Jiwasraya (Persero) and also discusses about the accountability of PT Asuransi Jiwasraya (Persero) as well as the role of state institutions to carry out company supervision of investment managers involved in the PT Asuransi Jiwasraya (Persero) case.