PT Jasa Raharja Research Articles

Pelaksanaan Jaminan Sosial Bagi Korban Kecelakaan Lalu Lintas Jalan Pada Pt. Jasa Raharja Cabang Bali Wilayah Gianyar

The development of technology evolves every year. This affects the economic aspects of transportation services. It cannot be denied that every means of transportation has risks in its journey. In this case, there must be implementation in social security for accident victims. The purpose of this research is to reveal the implementation of social security for victims of traffic accidents as well as the obstacle factors in the implementation of road social security at PT. Raharja Bali Gianyar Region services for road traffic accident victims. The method used is empirical legal research with a conceptual and a case approach. Sources of legal materials used are secondary, primary and tertiary sources of law and then analyzed descriptively. The data collection technique was carried out by interviewing the victim and the victim's heirs. The result of this research is the implementation of social security for road traffic accident victims at PT. Jasa Raharja Bali, Gianyar Region is carried out in accordance with the applicable laws and regulations. Factors that hinder its implementation include: the community does not know the scope of the guarantees that are covered, the external obstacles, namely correspondence and administrative management, and obstacles from the side of accident victims who submit claims to receive compensation from PT Jasa Raharja, Bali, Gianyar Region namely, obstacles in determining heirs for accident victims who died existed in processing a Police Report which required sufficient witnesses

ANALISIS PERBANDINGAN RASIO PROFITABILITAS SEBELUM DAN SESUDAH DIKELUARKANNYA PERATURAN MENTERI KEUANGAN NOMOR 15/PMK.010/2017 DAN NOMOR 16/PMK.010/2017 TENTANG DANA SANTUNAN PADA PT JASA RAHARJA (PERSERO) PERIODE 2016-2018

This research was conducted to analyse the profitability of PT. Jasa Raharja (Persero) before and after the issuance of Minister of Finance Regulation Number 15 / PMK.010 / 2017 and Number 16 / PMK.010 / 2017 concerning compensation funds during 2016-2018. The method of analysis used in this research is qualitative descriptive study. The data used in this study are the financial statements of PT. Jasa Raharja (Persero) taken through www.jasaraharja.co.id. The results show that there has been a significant decrease in profitability when measured by Net Profit Margin (NPM), Return on Assets (ROA), and Return on Equity (ROE) between before and after the implementation of Regulation of the Minister of Finance Number 15 / PMK.010 / 2017 and Number 16 / PMK.010 / 2017. This can occur due to an increase in the amount of claim compensation by 100% and changes in the receipt of flat rate fines to progressive rate fines. In the future, it is hoped that PT. Jasa Raharja (Persero) can further maximize the company's operating activities by reducing expenses or operating costs as efficiently as possible and optimizing existing resources, such as asset management and the use of capital to obtain maximum profit, so that the NPM, ROA, and ROE obtained by the company can increased. The contribution of the research is gives the knowledge that changes the regulation gives an impact to the profitability of PT Jasa Raharja (Persero).

PERCEIVED EASE OF USE EFFECT ON PERCEIVED USEFULNESS AND ATTITUDE TOWARDS USE AND ITS IMPACT ON BEHAVIOURAL INTENTION TO USE

The purpose of this study was to prove the effect of perceived ease of use on perceived Usefulness and attitude towards use and its impact on behavioral intention to use. This research method is a quantitative and causal explanatory study. The sample type in this study is non-probability sampling or convenience sampling. The samples used in this study were BRI Corporate Cash Card user employees in all Branch Offices of PT Jasa Raharja (Persero), as many as 160 respondents. Data analysis techniques for this study using Structural Equation Modeling (SEM)-AMOS. The result of this study is: (1) Perceived Ease of Use has a significant effect on Perceived Usefulness (2) Perceived Ease of Use has a significant impact on Attitude towards Use (3) Perceived Usefulness has not a significant effect on Attitude towards Use (4) Attitude towards Use has a significant effect on Behavioural Intention to Use.

EFFECT OF INTERNAL AUDIT QUALITY ON THE EFFECTIVENESS OF GOOD CORPORATE GOVERNANCE (CASE STUDY AT PT JASA RAHARJA)

This study aims to examine the Effect of Internal Audit Quality on the Effectiveness of Good Corporate Governance which is seen from the Independence of Auditors, Professional Capabilities, Scope of Work and Examination at PT Jasa Raharja.The population in this study were all employees of PT Jasa Raharja which were divided into Employees of the Internal Control Unit, Head of Branches, Head of Division, Head of Internal Control Unit and Corporate Secretary of PT Jasa Raharja. Samples obtained by purposive sampling method were as many as 85 employees. The results of statistical tests show that the Quality of Internal Audit has a significant effect on the Effectiveness of Good Corporate Governance that is measured using variables such as Independence, Professional Capability, Scope of Work and Examination.

Analisis Pendapatan Premi Dan Beban Klaim Terhadap Laba Pada PT Jasa Raharja Persero

The purpose of this article is to analyze the effect of premium income and claim burden on earnings at PT Jasa Raharja Persero Bima Representative with an associative research method approach. The population of this research is the insurance company PT Jasa Raharja Persero Bima Representative period 2010-2019. The technique of taking samples by purposive sampling with research samples used during the last 6 years. Data analysis method in this research is multiple linear regression analysis using IBM SPSS 21 software. The data used is secondary data obtained from PT Jasa Raharja Persero Representative Bima. This finding shows that partially there was no significant effect between premium income on earnings at PT Jasa Raharja Persero Representative Bima, Partial test there is a significant influence between the burden of claims on earnings at PT Jasa Raharja Persero Representative Bima, Simultaneous testing there is a significant influence between premium income and burden of claims on earnings at PT Jasa Raharja Persero Representative Bima.

Legal Protection on Sinking Victims of KM. Sinar Bangun Ship at Toba Lake in the Criminal Law Perspective

This research deals with legal protection on sinking victims Of Km Sinar Bangun Ship at Toba Lake in the criminal law perspective. This type of research used in this study is in the form of qualitative research with an empirical juridical research approach. The result shows that the form of legal protection given to the victims sinking of KM. Sinar Bangun in Toba Lake is that every accident victim is entitled to protection based on the provisions of the legislation, which is provided by the government in the form of direct social assistance in the form of cash through the Ministry of Social Affairs, types of compensation for victims in the form of death compensation, permanent disability compensation, and survivors. Each accident victim also received compensation from PT Jasa Raharja (Persero), the amount of which was determined by the miniser of finance, in addition to other legal protections the implementation of legal proceedings for the occurrence of criminal acts.

TANGGUNG JAWAB PENGANGKUT TERHADAP PENUMPANG YANG TIDAK TERDAFTAR DALAM MANIFES (STUDI KASUS JATUHNYA PESAWAT LION AIR JT 610 DI KARAWANG)

Lion Air with fligh code JT-610 route Jakarta to Pangkal Pinang on October 29th, 2028 which crashed in Karawang Waters carrying 178 passengers, one child passenger, 2 babies, and 7 cabin crew. On the plane there are passengers who are not on the ticket or not registered. Issues issued are how the responsibility of the carrier in an aircraft accident that is not listed in the passenger manifest. The research method used in this thesis research is normative legal research. The results of the research prove that passengers who are not in the manifest may receive compensation, but only compensate for voluntary purchases. It may be possible to request ex gratia or voluntarily to buy a passenger ticket that cannot be ordered in the passenger manifest. However, based on information compiled from PT Jasa Raharja, checking the heirs or families of victims of the crash of the Lion Air JT 610 aircraft which were not equipped in the manifest of the aircraft could still receive compensation. In cases that substitute for consumer rights, caution is needed in analyzing who should be held responsible and asking for the responsibilities required for the parties concerned.

IPTEKS PENGENDALIAN INTERNAL TERHADAP ASET TETAP PADA PT JASA RAHARJA (PERSERO) CABANG SULAWESI UTARA

PT JASA RAHARJA (Persero) branch North Sulawesi is a branch office from PT JASA RAHARJA (Persero) and this company is one of state-owned enterprises which engaged in social insurance, especially for accident insurance and compensation insurance. In running every operational activity, every company surely must have fixed assets, be it in the form of buildings, office equipment, vehicles and so which can support employee performance. Fixed asset in a company must be secured in many ways of surveillance, control over costs incurred to get the said fixed asset, provide asset number so it will be easier to review the useful life of each asset, and whether said asset still can support employees performance or not. In this case, it is very important for us to pay attention to its internal control, because based on a research we did during our internship in PT JASA RAHARJA (Persero) branch North Sulawesi, each asset’s internal control from the company need to be more efficient in terms of the element of the environment control, activities of control, related information on fixed asset and monitoring that has been done before to do physical matching of fixed asset, and appropriate allocation based on its function and responsibilities. Then, the company must pay attention to expenditures of income and expenses on fixed asset, by following insurance for fixed assets, make an audit committee, and implement the disposal and elimination of fixed asset. Suggestions for company to improve employees performance, through increasing exploration of knowledge and functions of application in order for employee to use it effectively and for presentation statement and efficiency of information about company’s fixed assets more reliable and accurate.Keyword : internal control, fixed asset, Insurance

IPTEKS PENGAKUAN DAN PENGUKURAN PENDAPATAN PREMI ASURANSI PADA PT JASA RAHARJA (PERSERO) CABANG SULAWESI UTARA

PT Jasa Raharja is a company who handles about social insurance, where at the end of each accounting period year, will make and report a financial statement. In company’s financial statement, revenue is an important component. One of the existing income of PT Jasa Raharja is insurance premium income. The purpose of the writer is to compare and to gain knowlegde whether company’s account treatment of insurance premium income already in accordance with the existing accounting standard, especially in recognition and measurement of insurance premium income. The accounting treatment of company’s insurance premium income must be controlled as to prevent misinformation in company’s financial statement.Keywords: accounting standard, insurance premium income

Analysis of ISO 9001:2015 certification readiness of JP-Graha product of Jasaraharja Putera using gap analysis

The fierce competition of global economy requires company to have a good Quality Management System (QMS). Efforts done by the company included applying standards of Quality Management System (QMS) ISO 9001. ISO 9001 is a standard that contains requirements of quality management system, published by the International Organization for Standarization (IOS). The object of this research is JP-GRAHA PT Jasaraharja Putera. JP-GRAHA is one of the product from PT Jasaraharja dealing with fire insurance. JP-GRAHA already implemented ISO 9001:2008. But the implementation of ISO 9001:2008 suffer from a decline in consistency, meanwhile the company must prepare to upgrade into ISO 9001:2015. This research aims to identify the readiness of the company in the facing Certification of ISO 9001:2015 and provide recommendations to improve the readiness of the company. The method used in this research is Gap Analysis to evaluate current company state and assess the readiness of the company in facing certification of ISO 9001:2015. Gap Analysis is a checklist made based on the existing requirements icluded in ISO 9001:2015. The results from the calculation using the checklist will show how the readiness of JP-GRAHA PT Jasaraharja Putera in light of performing certification of ISO 9001:2015

PENERAPAN PROGRAM KEMITRAAN DAN BINA LINGKUNGAN HIDUP PADA PT. JASA RAHARJA PERSERO CABANG SULAWESI SELATAN ( IMPLEMENTATION OF PARTNERSHIP PROGRAM AND ENVIRONMENTAL DEVELOPMENT AT PT JASA RAHARJA PERSERO, SELATAN SULAWESI BRANCH )

The research aim is to know how and the obstacles that occur in the implementation of Partnership and Community Development Program (PKBL) at PT Jasa Raharja South Sulawesi branch. The type of research used is qualitative, which is The researcher described the results of observations and direct interviewed with PKBL sub-part. This research was conducted in March to May 2018. The results showed that the implementation of the Partnership and Community Development Program (PKBL) at PT Jasa Raharja South Sulawesi branch, consist of: 1.General repair help advice, such as portable and hand scoon, 2.Health assistance, such as the provision of masks, hand sanitizers, hand soaps and tools personal health protection, 3.Assistance for religious facilities, such as mosque renovation,4.Social assistance, such as food distribution, 5. Nature conservation, like planting mangroves. While the obstacles were faced n the implementation of Partnership and Community programs are: 1.refundrate loan is still low from partners, 2. Lack of human resources to distribute of assistance.

ANALISIS SISTEM PEMBERIAN KREDIT PROGRAM KEMITRAAN BINA LINGKUNGAN DI PT JASA RAHARJA PERSERO SULUT

Development in the field of economics is an objective to be achieved in implementing economic development programs,including the partnership program implemented by state enterprises to small businesses. The partneship program is a CSR program of SOEs as a concern to the community. This research done on the basis of program Kemitraan Bina Lingkungan (PKBL) conducted by PT Jasa Raharja Persero Manado, that aims to prevent the occurrence of non performing loans for micro and small business credit. The kind of research used is descriptitive qualitative. Preventive measures undertaken doing by visiting for every three months.Keywords: System and procedure of credit, micro and small business credit, Non performing loans.

PENGARUH EFEKTIVITAS PELATIHAN DAN LINGKUNGAN KERJA TERHADAP KOMITMEN KEORGANISASIAN SERTA DAMPAKNYA TERHADAP KINERJA PEGAWAI PADA PT. JASA RAHARJA CABANG JAMBI

This research aims to analyze the influence of the effectiveness of the training and the work environment Against Organizational Commitment And its impact on the performance of Employees At PT Jasa Raharja branch of Jambi, objects in this study are all the employees at PT Jasa Raharja branch of Jambi. Method of data collection that is using a questionnaire and analyzed using descriptive analysis and verifikatif using path analysis. The results of this research will explain there is influence both directly and indirectly from the major variables examined, i.e. the variable effectiveness of the training and employment environment variables as variables independent of the two the dependent variable i.e. organizational commitment and performance.Key words: effectiveness of training, work environment, organizational commitment, performance

PENGARUH KUALITAS PELAYANAN TERHADAP KEPUASAN DAN LOYALITAS PELANGGAN JP-GRAHA PADA PT. JASA RAHARJA PUTERA CABANG DENPASAR

Insurance Industry in Indonesia in order to remain exist with the currenteconomic conditions shall require that the insurance industry can compete withother insurance industries, hence it will be need a good marketing strategy. One ofappropriate approach usage for customer satisfaction that is by improve servicequality. As the passing of free trade in global competition, the issue of service qualitybecome one of the important and very necessary to get serious consideration forany company to survive. Service quality alone is not enough to win the competition,but must build a positive image among customers to arise loyalty. The aim of thisstudy was to fi nd out the simultaneous effect of tangible, reliability, responsiveness,assurance and empathy towards JP-Graha customer’s satisfaction at PT JasaRaharja Putera Branch of Denpasar.These study were used explanation study by purposive sampling method so thatobtained number of sample were 90 people. Techniques of data analysis were useanalysis factor and path analysis.The results has been obtained that tangible variables have signifi cant effect oncustomer satisfaction variables, reliability variable have signifi cant effect oncustomer satisfaction, responsiveness variable have signifi cant effect on the customersatisfaction variables, assurance variables have signifi cant affect on customersatisfaction variables, emphaty variable have signifi cant effect on the customersatisfaction variable, customer satisfaction variables have signifi cant effect on thecustomer loyalty variables.Implications of these study in order the management should to conduct improvementand consummation on the factors that have affect on customer satisfaction that aretangible variables require attention at the offi ce layout to make it look more modernand attractive. On the dimensions of reliability and responsiveness, especiallyregarding the company’s ability to provide services as promised through selfimprovement,and moresensitive to customer complaints.

PENERAPAN PERLINDUNGAN HUKUM TERHADAP WISATAWAN YANG MENGALAMI KERUGIAN DI OBYEK WISATA (STUDI DI KABUPATEN PURBALINGGA)

In the era of globalization, the protection of domestic service users and the entreprenuer of domestic tourism is needed. This research concern about the application of legal protection and remedies law for tourist who suffered losses in tourist location. The method used is normative juridical approach. The collection of legal substance done by documentary and then analyzed using method of normative qualitative. Based on this research, the Local Government of Purbalingga have no consider the consumer, as a subject in the tourism industry, because only one tourist location existing regulations, and it was only regulate the formation of regional companies. Application of compensation is only applied to physical accident at the tourist location in, cooperation with PT Jasa Raharja, whereas the loss of non physical/material not regulated yet. Dispute settlement as a result of suffered losses in the tourist location can be done peacefully or adversarially by using BPSK or filling a lawsuit to court. Keywords: legal protection, tourist, losses