Hasil Pencarian  ::  Simpan CSV :: Kembali

"ABSTRAKAsuransi Jasindo adalah perusahaan asuransi kerugian yang berdiri sejak 1 Juni 1973. Perusahan ini mempunyai pangsa pasar cukup besar dengan jangkauan seluruh Indonesia. Pertumbuhan pendapatan premi selama 5 tahun terakhir memperlihatkan peningkatan yang cukup signifikan seiring dengan peningkatan pangsa pasar industry asuransi kerugian yang mencatat pertumbuhan rata-rata 16 % per tahun.Penilaian harga, saham dilakukan untuk memperkirakan harga wajar yang bagi Asuransi Jasindo jika akan menawarkan sahamnya kepada masyarakat. Penilaian dilakukan dengan menggunakan Top Down Approach, dimana kondisi perekonomian secara umum dan kondisi industri asuransi kerugian akan mempengaruhi kondisi perusahaan yang pada akhimya mempengaruhi harga saham. Langkah-langkah yang dipergunakan adalah Analisa ekonomi Makro, analisa industri dan analisa perusahaan.Penilaian Saham dilakukan dengan menggunakan 3 metode yaitu Free Cash Flow to Equity (FCFE), Price Earning Ratio (PER), dan Price to Book Value (PBV). Penilaian dengan metode FCFE memberikan perkiraan harga saham wajar sebesar Rp 564 per lembara saham, sedangkan perhitungan dengan metode PBV memberikan perkiraan harga saham sebesar Rp 428 per lembar. Dengan demikian range yang wajar untuk asuransi Jasindo berada pada kisaran 0,9x sampai dengan 1,2 x PBV.Berbeda dengan Damodaran (2002), Estimasi PBV dengan metode regresi pada penelitian ini menggunakan variabel independent Risk Based Capital (RBC) dan Return On Equity (ROE). Risk Based Capital (RBC) adalah ukuran kemampuan perusahaan asuransi dalam mengelola resikonya. Hasil regresi menggambarkan bahwa variabel ROE saja bukan prediktor yang signifikan untuk memprediksi PBV harga saham perusahaan asuransi. Sebaliknya RBC merupakan prediktor PBV yang signifikan."

"The increasingly tight business competition owing to free trade mallet and to the increasing Risk Based Capital/RaC level stipulated by government, demanding insurance company serve to overcome those two issues so that it could survive in business. Internal efforts that companies must conduct among are the improvement of services quality. Excellent service quality is expected to results in customer satisfaction, and in turn, make customers loyal. If such condition could be achieved, companies will likely be able to raise premium and their RBC, as well as maintaining and extending its customer number (market share).

Quality improvement programs should be continuously done by always reviewing the concordance between performance and procedures with the established standards. However, the established standard needs to be revisited periodically to see if they still in accordance to consumers need wants or expectation.

In order to learn what factors of services that still require improvement, organization need to know first what factors still containing weaknesses in the service delivery. An approach used to identifying services weaknesses is blueprinting or service cycle analysis, which detaches services to as many moments of truths and their related important activities as possible.

Subsequently, what could be used to learn and measure satisfaction level as well as weaknesses of the detached services activities or performance based on consumers' perception, that could cause dissatisfaction is Servqual method. Using this method, service quality could be determined by measuring gaps between customer?s perception and expectation on certain factor of services."

"PT. Asuransi Jasindo merupakan perusahaan asuransi kerugian yang termasuk dalam kelompok jenis usaha Lembaga keuangan Non Bank. Salah satu kegiatan utamanya adalah mengelola dana melalui kegiatan investasi. Salah satu ukuran kinerja perusahaan asuransi adalah tingkat kemampuan mengelola dana untuk memperoleh hasil investasi secara optimal sehingga mampu menutup biaya usaha atau overhead cost dan yang terutama meningkatkan kemampualabaan perusahaan dalam memberikan perlindungan kepada nasabahnya.Permasalahan PT. Asuransi Jasindo selama lima tahun buku 1998 sampai dengan 2002 diantaranya ialah penurunan hasil investasi sehingga terjadi penurunan kontribusi dalam menutupi biaya usaha. Sementara itu deposito yang menempati komposisi teratas dalam bentuk penempatan investasi selama dua tahun terakhir setelah masa penelitian memberikan tingkat suku bunga yang rendah. Oleh karena itu penulis mencoba melakukan evaluasi dan analisis serta memberikan altematif pemecahan masalahnya dan mengaplikasikan teori portofolio investasi di perusahaan asuransi. Dalam melakukan evaluasi dan analisis diperlukan data, komposisi dana, hasil investasi berikut perinciannya, realisasi biaya usaha serta data pendukung lainnya.Berdasarkan data yang diperoleh maka penulis melakukan evaluasi dan analisis dengan menggunakan Indeks Sharpe dan Teori Capital assets Pricing Models. Hasil investasi dan analisis tersebut menunjukan bahwa seluruh portofolio mempunyai kinerja yang tidak baik tetapi di masa datang sesuai perkembangan dan pertumbuhan reksadana, portofolio reksadana masih memberikan keuntungan yang tinggi dan tetap aman serta mempunyai tingkat likuiditas yang tinggi untuk jangka panjang. Namun perlu dipertimbangkan jenis reksadana yang dipitih harus sesuai dengan sifat dari bisnis dan kegiatan investasi perusahaan asuransi.Sesuai hasil evaluasi maka disarankan sebaiknya portofolio investasi pada reksadana dapat dilanjutkan pada reksadana Megah kombinasi, Megah Kapital dan Dana Infra Struktur. Peningkatan hasil investasi dapat diperoleh dari reksadana bila manajer investasi serta sumber daya manusia yang mengelola kegiatan investasi memiliki kemampuan dan analisa yang tepat dengan selalu mengikuti perkembangan dan pertumbuhan kegiatan investasi dan perekonomian makro ataupun mikro. Hal ini dilakukan mengingat reksadana campuran dan reksadana saham sangat dipengaruhi oleh faktor makro dan mikro di pasar finansial.

---

PT. Asuransi Jasindo is risk liability insurance company categorized as Non-Bank Financial Institution. One major activity of this company is managing fund by mean of investments. One measure of company performance is managing fund ability rate to gain investment return optimally in order to cover operational cost and the most important is to enhance insuring profitability of the company to their account.

For the live book year 1998 to 2002 PT. Asuransi Jasindo encounter problems such as decrement of investment return which created decrement of contribution to cover operational cost Moreover, deposit as the top major composition investment for the last two years after research period paid less rate of return.

Therefore the author tries to evaluate and analyze in as well as suggesting alternative of solutions for these problems for company and real application investment portfolio theory in insurance company. This evaluation and analysis require data, fund composition, investment return includes details, operational cost and any other supporting data.

Based on the data collected the author use Sharpe index and Capita! Assets Pricing Model Theory in conducted evaluation and analysis. Analysis and investment return showed that all portfolios performing under expectation but according to the future development and growth of the mutual fund, the return of portfolio of reksadana remain substantially high and safe for high long-term liquidity. However, consideration on the kind of chosen mutual fund should meet business characteristic and investment activities of the insurance companies.

According to the results found in the evaluation it is suggested that investment portfolio on mutual fund should continue on Megah Kombinasi, Megah Kapital and Dana Infra Structure mutual fund The increasing investment results would be gained from mutual fund when investment manager and human resources who manage investment activities are possessing ability and accurate analysis required in the pace of investment activities growth and development as well as in macro or micro economy. This suggestion is based on the fact that mixed mutual fund and stock mutual fund in the financial market are highly affected by macro and micro factor."

"PT.Asuransi Jasindo merupakan sebuah BUMN yang bergerak dalam asuransi kerugian berfungsi sebagai pemberi jasa proteksi mempunyai peranan yang sangat besar dalam perkembangan perekonomian nasional. Dampak arus globalisasi mulai dirasakan oleh dunia asuransi di Indonesia dimana persaingan bisnis semakin ketat. Dalam hal ini PT. Asuransi Jasindo dituntut untuk dapat memberikan kontribusi yang lebih besar untuk bangsa Indonesia dalam menggerakkan roda perekonomian.Peranan PT. Asuransi Jasindo disektor asuransi kerugian dalam melaksanakan kegiatannya berkompetisi dengan perusahaan asuransi swasta nasional maupun patungan swasta dengan pihak asing, dituntut untuk meningkatkan kinerjanya secara keseluruhan. Namun demikian dengan selalu berpedoman pada aturan bisnis serta tidak ada kemudahan-kemudahan maupun proteksi dari pemerintah, dengan demikian hasil yang dicapai akan sangat tergantung kepada kemampuan dan kemauan dari manajemen dalam meningkatkan kinerja.Selama ini pengukuran kinerja yang dilakukan masih memberikan perhatian besar pada aspek keuangan yang mempunyai kelemahan. Pengukuran kinerja berdasarkan data akuntansi hanya menginformasikan laporan aktivitas keuangan periode tertentu sehingga akan memuat manajemen menitikberatkan pada tindakan jangka pendek.Pengukuran kinerja PT Assuransi Jasindo menggunakan pendekatan Balanced Scorecard meliputi empat aspek yaitu pengukuran kinerja terhadap aspek pembelajaran dan pertumbuhan, aspek proses bisnis internal, aspek pelanggan serta aspek keuangan. Pengukuran kinerja dengan pendekatan Balanced Scorecard adalah untuk mendapatkan aftematif pengukuran kinerja yang lebih baik dari yang selama ini telah dilakukan terhadap PT.Asuransi Jasindo. Pengukuran kinerja di PT. Asuransi Jasindo selama ini telah diwarnai dengan pendekatan Balanced Scorecard namun belum diterapkan sepenuhnya.Dalam melakukan pengukuran kinerja ini, telah dilakukan penyebarankuisioner kepada Para pejabat, karyawan serta pelanggan PT. Asuransi Jasindo. Untuk pegawai dengan total populasi 964 dan sampel yang disebar sebanyak 200 dan responden yang mengembalikan sebanyak 112 . Total sampel pelanggan adalah sebanyak 500 pelanggan dan yang mengembalikan dan mengisi dengan benar sebanyak 328 responden.Berdasarkan pengukuran kinerja dengan pendekatan Balanced Scorecard tersebut, diketahui bahwa secara keseluruhan PT, Asuransi Jasindo memperoleh skor 61 (enam puluh satu) dengan rincian, aspek pembelajaran dan pertumbuhan memperoleh skor 22 (dua puluh dua) dengan predikat 'Baik", aspek proses bisnis internal memperoleh skor 8 (delapan) dengan predikat "Baik" dan aspek pelanggan memperoleh skor 4 (empat) dengan predikat 'Baik', sedangkan aspek hasil keuangan mendapatkan skor 27 (dua puluh tujuh) dengan predikat "baik sekali", sehingga total skor keseluruhan 61 (enampuluh satu) dari total skor maksimal 75 dengan predikat "Baik" Untuk meningkatkan kinerja perusahaan ke depan, manajemen perusahaan harus memelakukan peninjauan kembali kebijakan yang menyangkut sisem penggajian, sistem karir, sosialisasi kibijakan yang baru dikeluarkan, sistem penghargaan dan hukuman, mewujudkan "customer satisfaction ; proses inovasi yang berkesinambungan, sesuai dengan tuntutan persaingan dan pemenuhan kepuasan terhadap karyawan dan pelanggan.

---

Measuring the Performance of PT. Asuransi Jasindo based on the Balanced Scorecard ApproachPT. Asuransi Jasindo is a State-owned Corporation engaging in the business of insurance services which provides protection services and play a significant role in the development of national economy. The impact of globalization flow has perceived by the insurance sector in Indonesia in which business competition has become stricter. In this case, PT. Asuransi Jasindo is demanded to be able to provide its larger contribution to Indonesia in generating its economy.

In carrying out its activities, especially relating to its role in providing the risk insurance, PT. Asuransi Jasindo has compete with some national and foreign insurance companies, which demand it to improve its performance. Nevertheless, since it is faced with some business regulation and lack of facilities and protection provided by the government, then the results which it may be achieve will greatly depend on the capability and willingness of management in developing its performance.

Up to present, the performance measurement have been emphasized on the financial aspect with some weaknesses. Performance measurement which is based on the accounting data may only present the financial report for certain periods, which will make the management to emphasize on the short-term actions.

Performance measurement of PT. Asuransi Jasindo is applied and based on the Balanced Scorecard which involve four aspects as follows: performance measurement in its relation to the learning and growth aspect. internal business process aspect, customer-related aspect and financial aspect. Performance measurement which is based on the Scorecard Balanced is intended for obtaining an alternative performance measurement which is better than the previously performed at PT. Asuransi Jasindo. Performance measurement at PT. Thus far, Asuransi Jasindo has been based on the Balanced Scorecard approach, yet it has not been fully implemented.

This performance measurement is carried out by distributing questionnaires to some officials, employees and customers of PT. Asuransi Jasindo. For the employees with total population of 964 and 200 samples distributed. Total respondents which returned the questionnaire are 112. Total samples are 500 customers and total samples returning and completing questionnaire correctly are 328 respondents.

Based on the performance measurement with balanced scorecard approach, it is known that, as a whole, PT. Asuransi Jasindo obtain the scores of sixty one (61), in which, the learning and growth aspect obtain the score of twenty two (22) with predicate "Good", internal business aspect obtain the score of eight (8) with predicate "Good", and the customer aspect obtain the score of four (4) with predicate "Good", while financial aspect obtain the score of twenty seven (27) with predicate "Very Good". Total score is, therefore, sixty one (61) of total maximum score of 75 with predicate "Good".

In order to improve the future performance of the company, the management should review all policies relating to the compensation system, career system, socialization of the program which is newly established. reward and penalty system. It should also realize the customer satisfaction, continuous innovation process which is in line with the demand of competition and satisfaction demanded by the employees and customers."

"Perubahan-perubahan dunia yang sangat pesat dewasa ini juga dialami oleh bidang pemasaran produk atau jasa. Setiap perusahaan harus mencari bentuk-benluk altematif baru saluran pemasaran guna memasarkan produknya. Bentuk-bentuk kerjasama antar perusahaan dalam menciptakan produk baru atau memasarkan suatu produk merupakan salah satu pilihan yang banyak ditemukan saat ini.Demikian pula halnya yang terjadi pada perusahaan-perusahaan asuransi, baik perusahaan asuransi jiwa maupun perusahaan asuransi kerugian (umum). Perusahaan asuransi di dalam meningkalkan penjualan produknya serta memperluas jaringan pemasarannya rnenggandeng institusi bank.Bentuk pemasaran produk asuransi melalui jasa bank dikenal dengan nama Bancassurance. Bancassurance merupakan satu perubahan besar di dunia jasa keuangan untuk beberapa tahun belakangan. Pemasaran produk asuransi dengan menggunakan pola bancassurance, merupakan sebuah altematif saluran pemasaran produk asuransi. Saluran-saluran pemasaran asuransi lainnya yang telah eksis sebelumnya adalah pola penjualan langsung (direct selling), agen dan broker.PT. Asuransi Jasa Indonesia (Persero) atau dikenal dengan sebutan Asuransi Jasindo, saat ini juga menerapkan bancassurance dalam memasarkan beberapa kelas bisnis (class of business) dari produknya. Sebelumnya dan sampai dengan saat ini, seperti juga yang dilakukan oleh umumnya perusahaan-perusahaan asuransi di dunia, Jasindo memasarkan produknya dengan menggunakan cara pemasaran konvensional, yakni penjualan langsung (direct selling), menggunakan agen dan menjalin kerja sama dengan pialang (broker) asuransi.Dengan alasan tesebut ditetapkan tujuan penelitian ini, yaitu untuk mengetahui efektivitas bancassurance sebagai altematif saluran pemasaran Asuransi Jasindo.Penelitian ini menggunakan pendekamn Studi komparatif yang memakai Desain Deskriptif; yang bertujuan untuk mengevaluasi saluran-saluran pemasaran produk asuransi Jasindo yang sudah eksis sebelumnya dan saluran pemasaran Bancassurance yang diterapkan Asuransi Jaslndo kemudian. Dengan studi evaluatif peneliti ingin mengetahui gambaran terhadap komparasi di antara saluran-saluran pemasaran yang digunakan dalam pemasaran produk asuransi di Jasindo.Dalam penelitian ini, data yang menjadi bahan analisis adalah laporan-laporan perusahaan mengenai Produksi Premi dan laporan-laporan perusahaan mengenai Biaya yang dikeluarkan dalam memasarkan produk asuransi, dalam hal ini adalah Komisi dan Diskon. Selanjutnya terhadap data yang terkumpul dianalisis efektivitas (E) saluran pemasaran dengan menggunakan pendekataan analisis biaya dan pendapatan (cost and revenue analysis).Hasil penelitian menunjukkan bancassurance menghasilkan nilai rata-rata efektivitas (E) = 26,77%. Apabila dibandingkan dengan salnran pemasaran lain yang digunakan oleh Asuransi Jasindo, saluran pemasaran direct selling menghasilkan nilai rata-rata E = 24,91% ; saluran pemasaran agen menghasilkan nilai rata-rata E = 16,15% dan saluran pemasaran broker menghasilkan nilai rata-rata E = 3,34%.Kesimpulan yang diperoleh dari hasil penelitian memperlihatkan bahwa saluran pemasaran bancassurance memiliki nilai efektivitas yang paling rendah. Sedangkan saluran pemasaran broker menjadi saluran pemasaran Asuransi Jasindo yang memiliki nilai efektivitas yang paling tinggi.

---

The rapid changes in the world are happen also in the marketing of goods or service sector. Consequences of this matter, every corporation must creates the innovation of distribution channel to sell their product. Various types of cooperation between the companies created recently. This happen also in the insurance ndustry, both in the life insurance company and general insurance company. lnsurance company now they extend their networking by cooperation with banking industries.Marketing of insurance product through the bank, are well known as bancassurance. Bancassurance is one of the most significant changes in the financial services sector over the past few years has been the appearance and development of bancassurarrce. Banking institutions and in urance companies have found bancassurance to be an attractive - and often profitable - complements to their existing activities.Bancassurance is in one of the alternative of distribution channel as an addition to the previous marketing system to sell the insurance product, such as direct selling, agent and broker. PT. Asuransi Jasa Indonesia, currently has applied bancassurance in the marketing of its class of business which previously like any other insurance company using conventional marketing channel such direct selling, agent and broker.In view of several reason above, this research / writing is to find out the effectiveness of bancassurance as an alternative of distribution channel of Asuransi Jasindo to sell its insurance products.The research here applied comparative study, using descriptive design, which the objective is to evaluate several marketing method exists in Asuransi Jasindo to compare with the current bancassurance applied in the company.In this research, the data being used for analysis is company?s premium report of cost incurred to market insurance product, in this case is commission and discount. Furthermore, all data collected will be evaluated the effectivity of E by applying cost and revenue analysis approach The result of this research show that bancassurance has average effectivity 26.77% compared to the other previous marketing method such as : direct selling with E = 24.91%, agent with E = 16.15%, and broker with E = 3.84%.The conclusion of this research shows that the effectivity of bancassurance method is lower than the other method. The distribution channel through brokering has more effective than any other method. Furthermore in the analysis with class of business approach, bancassurance is not lowest effectivity of distribution channel when its selling marine cargo, fire and motor vehicle insurance."

"Skripsi ini membahas tentang penyebab dari penurunan total polis, penurunan jumlah peserta, penurunan pendapatan premi, dan target premi produk asuransi kumpulan ldquo;Jasindo Health Care rdquo; yang tidak terealisasi di tahun 2016, serta alternatif strategi penyelesaiannya. Penelitian ini menggunakan metode kualitatif. Hasil penelitian menunjukkan bahwa penyebab dari masalah tersebut berasal dari faktor internal dan eksternal. Faktor internal, berupa kurangnya penggunaan teknologi yang terbarukan, saluran distribusi penjualan yang kurang efektif, dan promosi yang kurang maksimal. Faktor eksternal, berupa kekuatan yang dimiliki pesaing. Alterrnatif strategi yang disarankan yaitu menambah jumlah tenaga penjualan, menambah belanja iklan, menambah pilihan manfaat berupa pengobatan ke luar negeri dan layanan home care, penggunaan klaim reimbursement berbasis mobile application, menambah fasilitas live chat di website Jasindo, serta menyediakan layanan konsultasi dokter secara online.

---

This research explained about causes of policy total degradation, degradation of number of participants, degradation of premium income, and unrealized target of group insurance premium product ldquo Jasindo Health Care rdquo in 2016, and alternative settlement strategies. This research used qualitative method.

The results showed that the causes are the internal and external factor. Internal factor such as lack of use of renewable technology, less effective sales distribution channels, and less than optimal promotion. External factor, is in the form of strength owned by competitors.

The suggested alternative strategies are increase the number of salespeople, increase advertising expenditure, provide the additional benefits of overseas treatment and home care services, use feature of mobile application for reimbursing claims, adding live chat facilities to Jasindo rsquo s website, and provide the online doctor consultation services."

"Options pada saham pertama kali diperdagangkan dalam bursa perdagangan pada tahun 1973. Sejak itu terjadi pertutnbuhan yang sangat pesat alas pasar options yang hingga sekarang ini dipcrdagangkan di banyak bursa saham di dunia. Perdagangan options dalam jumlah besar juga terjadi di over the counter bank dan lembaga keuangan lainnya. Aset yang diperdagangkan meliputi saham, indikator saham, mata uang asing, instrumen hutang, komoditas, dan kontrak futures.Ada dua jenis options. Call option memberikan pemegang hak untuk membeli suatu aset pada waktu tertentu dengan harga tertentu. Put option memberikan pemegang hak untuk menjual suatu aset tertentu pada waktu tertentu dengan harga tertentu. Harga pada kontrak options dikenal dengan exercise price atau strike price; tanggal dalam kontrak dikenal dengan expiration date, exercise dale atau maturity date. American options dapat diexercise setiap saat hingga tanggal expiration. Sedangkan European options dapat diexercise hanya pada tanggal expiration. Options yang lebih banyak diperdagangkan adalah jenis Amerika. Akan tetapi, options Eropa biasanya lebih mudah dianalisis dibanding options Amerika. dan beberapa properties options Amerika biasanya merupakan turunan dari options Eropa. Hams dipahami bahwa options memberikan pemegang hak untuk melakukan scsuatu. Pemegang tidak harus melakukan exercise atas hak ini.Pada awal tahun 1970-an, Fischer Black dan Myron Scholes membuat gebrakan baru dengan menurunkan persamaan diferensial yang dapat dipenuhi pleb harga setiap derivatif yang tereantung pada non-dividend-paying-stock. Saharnsaham di Bursa Efek Jakarta yang dijadikan sampel diambil sebanyak 30 saham dari saham yang ada dalam LQ-45, meliputi semua jenis indutri dengan periode enam belakangan ini. Analisis akan melihar berapa harga opsi atas saham-saham tersebut. nnembandingkannva dan ineiuuajulkan opsi sahan; yang paling menguntungkan.Options memang belum diperdagangkan di BEJ, namun hasil perhitungan ini bisa juga digunakan untuk menilai harga saham ke depan dan sebagai baton pertimbangan dalani manajemen portofolio. Dan walhasil, bisa dijadikan sebagai salah sate Kahan pertimbangan implementasi options di BEJ.

---

Stock options were traded for the first time in stock exchange in 1973. Since then options market is growing rapidly until now is traded in many stock exchange around the world. Options trading in a large amount also traded in over the counter, bank and other financial institutions. Underlying asset that is traded including stocks, stock indices, currency, receivables and payables, commodity products, and futures contract,

There were two types of options. Call option gives the holder right to buy underlying asset in a certain time at a certain price. Put option give the holder right to sell an underlying asset in certain time in a certain price. Price on options contract is called exercise price or strike price; date in contract is known as expiration date, exercise date or maturity date. American options can be exercised anytime before expiration date. While European options can be exercised only at the expiration date. Most options that are traded are American options, but European type is easier to be analyzed and a number of American option properties actually is a derivative from European options. One thing we have to remember that option gives the holder right to do something. The holder is not obligated to exercise the right.

In early 1970s, the tandem team Fischer Black and Myron Schnles made a breakthrough innovation by derive differential equation that can be achieved by every derivative price on non-dividend-paying-stock. 30 LQ-45's stocks in Jakarta Stock Exchange were taken as sample, covering all type of industry within the last six-year period. Analysis will explain what is the price, compare the price, and find which stock that gives the most favorable gain or loss.

Although options is not well known traded in JSX yet. but the result of the calculation and estimation in this thesis can be used to value the stock price in future and as an input in portfolio management. And eventually, can be used as one of consideration to implement and socialize stock options market in JSX."

"PT. Asuransi Jasindo sebagai perusahaan negara yang bergerak di bidang jasa asuransi kerugian senantiasa selalu melakukan peningkatan kinerja terus menerus dan berupaya mampu untuk memenuhi kepuasan pelanggan lebih baik( dari kepuasan yang dapat diberikan pesaingnya.Cara untuk memenuhi kepuasan pelanggan dapat dilakukan antara lain melalui strategi mutu, yaitu penerapan manajemen mutu yang dapat memberikan jaminan bahwa harapan pelanggan akan dapat dipenuhi. Kepuasan pelanggan dalam bentuk jaminan mutu menjadi sangat panting artinya, terutama bagi perusahaan jasa. PT. Asuransi Jasindo telah menerapkan ISO 9002:1994 sejak tahun1997 dan mulai menerapkan program perolehan ISO baru yang merupakan up-grading ISO 9002:1994 menjadi ISO 9001:2000 sesuai ketentuan lembaga sertifikasi ISO batas akhir perubahan ISO lama (ISO 9002:1994) ke ISO baru (ISO 9001:2000) adalah 15 Desember 2003. Dalam hal ini PT. Asuransi Jasindo sudah melakukan perubahan jauh sebelum batas akhir yang ditentukan dan ISO 9001:2000 diberlakukan mulai 1 November 2001.Metode penelitian yang akan digunakan bersifat deskriptifanalitis. Data yang digunakan dalam penelitian ini diambil dari hasil wawancara, dan kuesioner yang dibagikan kepada para responden sebanyak 47 orang pegawai yang telah mengikuti pelatihan dan mengerti tentang ISO 9001:2000, serta mempelajari dokumen mutu ISO 9001:2000 yang berupa manual mutu, prosedur sistem mutu, pedoman kerja dan catatan mutu dalam hal akseptasi polis, dan penyelesaian klaim di PT. Asuransi Jasindo Kantor Pusat.Dari hasil penelitian menunjukkan bahwa penerapan ISO 9001:2000 di PT. Asuransi Jasindo Kantor Pusat yang melibatkan para pejabat dan staf bertujuan untuk mendukung program-program perusahaan dalam upaya meningkatkan serta memperbaiki kinerja dan sistem pelayanan perusahaan secara berkesinambungan. Proses penerapan Sistem Manajemen Mutu ISO 9001:2000 di PT. Asuransi Jasindo Kantor Pusat dengan lima tahap meliputi , (1) Persiapan di bulan Maret 2001, (2) Pengembangan Dokumentasi Sistem Manajemen Mutu dan Implementasi, (3) Penilaian Awal (Adequacy Audit) oleh Tim Audit Mutu Internal, (4) Penilai Awal (Compliance Audit) oleh Konsultan ISO 9001:2000 Series, dan 5) Sertifikasi oleh Badan Sertifikasi pada bulan Januari 2002, Dalam proses penerapan tersebut ditemukan hambatan (penilaian setelah Compliance Audit oleh Tim Audit Mutu Eksternal), yaitu, merubah budaya kerja dari "belum standarisasi" menjadi "standarisasi".Adapun saran perbaikan terhadap proses tersebut adalah dengan, (1) berfikir sistem untuk melihat keseluruhan pola perubahan di PT. Asuransi Jasindo, (2) penekanan pada keahlian pribadi para pegawai dengan diadakannya pelatihan berkala tentang ISO 9001:2000 baik (dari sisi pemahaman maupun manlaat pelaksanaannya), (3) pembelajaran tim yang bukan bersifat individual, tapi merupakan dasar pembelajaran unit dalam organisasi modern.

---

PT. Asuransi Jasindo as a state-owned risk insurance company continually enhance its performance and capabilities to meet customer satisfaction better than the competitor. To achieve better level costumer satisfaction PT. Asuransi Jasindo includes strategic in quality, that is quality management implementation functioned as quality assurance that costumer expectation will be achieved. Costumer satisfaction in the form of quality assurance has become crucial, especially for service company. PT. Asuransi Jasindo implemented ISO 9002:1994 since 1997 and then commencing a program to acquire new ISO as an up-grading iSO 9002:1994 to ISO 9001:2000 determined as new regulation by ISO certification body concerning renewal deadline of past ISO (ISO 9002:1994) to new ISO (ISO 9001:2000) is 15 December 2003. Regarding this matter PT. Asuransi Jasindo had already began the renewal program long before the established deadline and ISO 9001:2000 be in effect starting from 1 November 2001.

Methodology used in this research is analytical descriptive. Data used in this research collected by the means of interview and questioner distributed to respondents consisted of 47 employees of whom had participated in training program and with comprehension about ISO 9001:2000, and also by studying ISO 9001:2000 through quality manual, quality, quality system procedure, work handbook and quality records concerning polis acceptation, and claim execution in PT. Asuransi Jasindo Headquarter.

The results of this research showed that ISO 9001:2000 implementation in PT. Asuransi Jasindo Headquarter involving officials and staffs orchestrated to reinforce continual company's performance and service system enhancement programs. The implementation process of Quality Management System ISO 9001:2000 at PT. Asuransi Jasindo Headquarter conducted in three stages as follows, (1) Preparation held in March 2001, (2) Developing Documentation of Quality Management System and Implementation, (3) Adequacy Audit by internal Quality Auditor Team, (4) Compliance Audit by ISO 9001:2000 Series Consultant, and (5) Certification by Certification Body in January 2002. The process of implementation encounter obstacle (result from Compliance Audit by External Quality Auditor Team), that is, to change work culture from "not standardized" to "standardized".

Such results draws some suggestions to correct the process by (1) systemic thinking to review the whole pattern of change in PT. Asuransi Jasindo, (2) focused on individual skill of each employee in the regular training program about ISO 9001:2000 both from the comprehension and benefit point of view, (3) team learning should not be individualistic, but should be based on unit learning within modern organization."

"Looking at the brutto premium of PT. Asuransi Jasindo and the development of loss insurance industry in Indonesia, it was obvious that the market competition of insurance industry was very competitive. Such competition could be handled if PT. Asuransi Jasindo could apply a marketing strategy that had a sustainable competitive advantage. This served as the background of the research which aimed at identifying the feasibility of applying the sustainable competitive advantage concept as the marketing strategy and to what extent it can be applied to identify competitive position of PT. Asuransi Jasindo towards other competitors in the loss insurance industry in Indonesia. The research adopted descriptive method through data collection in a form of secondary and primary data. The former used books, annual reports and other documents related with the research. As for the latter, questionnaires designed based on the Likert Scale were distributed to the personnel of PT. Asuransi Jasindo in the units in the head quarter office and 15 branch offices. The research adopted Boston Consulting Group (BCG) matrixs theory and the Sustainable Competitive Advantage (SCA) approach. The BCG matrixs was used to identify the competitive position of PT. Asuransi Jasindo towards the competitors in the loss insurance industry and the SCA approach here was to analyse the components of competitors covering own products familiarity, familiarity towards competitors, familiarty towards the competitors? products and the components of competition techniques comprising of cost advantage, product differenciation, market focus, pioneering products and market sinergy. The results of this research depicted that the competitive position of PT. Asuransi Jasindo in the loss insurance industry in Indonesia was in the star quadrant possessing the growth of long-run opportunities. The strategies that could be adopted were forward integration, backward integration, horizontal integration, market penetration, market development and product development. Whereas the results of analysis ofthe components of prequisite condition of SCA concept was things like the familiarity of own products, familiarity of competitors? products, cost advantage, product differenciation, market focus and pioneering products receiving good/high level category and as for being familiar with the competitors possessing very good/very high category whereas the market sinergy obtained relatively good/relatively high category. Therefore it could be concluded that the SCA concept could be adopted as the marketing strategy of PT. Asuransi Jasindo. The optirnalize the adopt on of the SCA concept as the marketing strategy that possessed the sustainable competition required mending and improvement of such strategies as market synergy, human resource development and the market extention."