Walaupun kondisi pertumbuhan perekonomian yang tidak terlalu optimal berpengaruh pada industri asuransi nasional, namun sebagai salah satu pelaku bisnis dalam industri asuransi umum di Indonesia, Asuransi Jasindo mengalami pertumbuhan di tahun 2014. Perusahaan berhasil membukukan pendapatan premi sebesar Rp4,621 miliar yang berarti tumbuh sebesar Rp619 miliar atau 15,47% dari realisasi tahun 2013. Premi perusahaan pada tahun 2014 masih didominasi oleh PT Telekomunikasi Indonesia
conservative acceptance policy as the reaction of many self- retention claims that caused the loss ratio increased steeply. Production decrease on those business lines eventually resulted on net underwriting yield that did not reach the target set on 2014 Work Plan and Budget (RKAP).
Therefore, the Company has reviewed the standard operation procedures of every business lines in order to adjust with insurance business growth and Company’s internal condition. However, that has not yet fully resolved as there are still refinement in several aspects, such as: IT system, HR, and Company’s internal stipulations.
In financial aspect, the Insured’s ability to meet their liability in relation to premium installment payment has become a noticeable constraint throughout 2014. In addition, investments are still on conventional and relatively secure instruments, due to considering that the Company’s financial liquidity related to the availability of claim fund and operational cost that eventually caused less optimal investment result.
The Company’s Important Achievement in
2014
Although the economic growth condition does not influence the national insurance industry optimally, yet as one of the business players in general insurance industry in Indonesia, Asuransi Jasindo experienced growth in 2014. The Company has successfully recorded premium income of Rp4.621 billion that means it grew Rp619 billion or 15.47% from its realization in 2013. Company’s premium in 2014 was still dominated by
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(Persero), PT Garuda Indonesia (Persero) dan PT Perusahaan Listrik Negara (Persero). Adapun kontribusi dari segmen usaha ritel terbesar berasal dari premi asuransi kendaraan bermotor yang didominasi dari sektor pembiayaan (leasing).
Bisnis syariah turut berkontribusi terhadap pendapatan premi perusahaan melalui pendapatan ujroh. Pada tahun 2014 berhasil membukukan premi sebesar Rp60,99 miliar yang mengalami pertumbuhan sebesar 2,97% dari realisasi tahun sebelumnya yaitu sebesar Rp59,24 miliar. Pertumbuhan pendapatan premi yang terjadi di tahun 2014 memberikan kontribusi positif terhadap peningkatan pendapatan underwriting di tahun yang sama.
Pada tahun 2014 terdapat beberapa perubahan kebijakan atau peraturan pemerintah yang cukup berdampak terhadap kinerja Asuransi Jasindo terutama Surat Edaran dari Otoritas Jasa Keuangan No. SE-06/D.05/2013 yang berlaku mulai Januari 2014 yang mengatur keseragaman tarif premi bagi lini usaha kendaraan bermotor dan lini usaha asuransi harta benda sehingga industri asuransi bersaing dengan lebih sehat dan lebih mengutamakan pelayanan dan kepuasan tertanggung. Dari sisi pendapatan perusahaan, peraturan tersebut meningkatkan perolehan premi dari kedua lini usaha tersebut.
Walaupun harus melakukan penyesuaian terhadap beberapa regulasi baru, namun berbagai prestasi atas kinerja perusahaan tetap diraih sebagai bukti bahwa perusahaan telah terselenggara secara profesional guna lebih meningkatkan kepercayaan dari para pemangku kepentingan.
Sejumlah penilaian dan penghargaan yang telah diraih di tahun 2014 ini, antara lain :
• Rating bbb+ (stable outlook) untuk Issuer Credit Rating dan B++ (stable outlook) untuk Best Financial Strength Rating dari
AM Best.
PT Telekomunikasi Indonesia (Persero), PT Garuda Indonesia (Persero) and PT Perusahaan Listrik Negara (Persero). As for the largest contribution of retail business segment came from motor insurance premium dominated by funding sector (leasing). The Sharia business also contributed premium income for Company from ujroh income. In 2014 has successfully booked premium amounted Rp60.99 billion that experienced growth of 2.97% from the previous year’s realization, which is Rp59.24 billion. The premium increase growth occurred in 2014 gave positive contribution to the increased underwriting income in the same year.
In 2014 there were several revisions on policies or government’s regulation that influence the Company’s performance, primarily IFSA’s Circular Letter No. SE-06/D.05/2013 that has been imposed since January 2014 that regulates the uniformity of premium tariffs for line of motor vehicle business and line of property insurance business so that insurance industry may compete healthily and prioritize the services and satisfaction of the insured. As from the side of Company’s income, the regulation increases the premium income from both of these business lines.
Although adjustments towards new regulations must be conducted, various merits on Company’s performance are achieved, evidently reflected that the Company has been professionally operated in order to further increase trusts from the stakeholders.
A number of assessments and awards achieved in 2014 are among others:
• Rating bbb+ (stable outlook) for Issuer Credit Rating and B++ (stable outlook) for Best Financial Strength Rating from AM Best.
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• Rating dari lembaga pemeringkatan nasional (Pefindo) dengan hasil idAA (Outlook stable).
• Juara I Kategori BUMN Keuangan Non-Listed dalam ajang
Annual Report Award 2013.
• Kategori Most Trusted Company dari Corporate Governance Perception Index (CGPI) Tahun Buku 2013.
• Asuransi dengan predikat “Sangat Bagus” atas Kinerja Keuangan selama Tahun 2013 dari Majalah Infobank.
• BUMN kategori Industri Keuangan dengan predikat “Sangat Bagus” atas Kinerja Keuangan selama Tahun 2013 dari Majalah Infobank pada Infobank BUMN Awards 2014 .
• Appreciation on Human Management System Improvement
dari Indonesia Human Capital Study (IHCS).