annual report 2012 - PT. Jasa Raharja

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Grafik Indikator Tingkat Kesehatan 2008-2012Health level Indicator Graph Year 2008-2012135.73123.9123.0310099Grafik Perkembangan AsetGraphic of Asset Development2008 2009 2010 2011 2012E. KONTRAK MANAJEMENMANAGEMENT CONTRACTPenilaian Kontrak Manajemen yang dilaksanakanoleh Rapat Umum Pemegang Saham setiaptahunnya dimana selama 3 tahun terakhir mengalamikenaikan yaitu tahun 2010 dengan nilai 140,72sedangkan tahun 2011 dengan nilai 142,95 dantahun 2012 dengan nilai 150,90 dengan predikatbaik sekali dengan penilaian sebagai berikut:Management Contract Assessment conducted bythe General Meeting of Shareholders annually whichis over the last 3 years increased in 2010 with a valueof 140.72, while the value of 142.95 in 2011 and in2012 with a value of 150.90 with a good all rated asthe following:33
IKHTISAR KINERJA KEUANGANFINANCIAL PERFOMANCE OVERVIEWINDIKATORBOBOTWEIGHTTARGET20122012TARGETREALISASITAHUN 20122012REALISATION4 =3/2NILAITERTIMBANGWEIGHTEDVALUEINDICATOR1 2 3 5 (4 x 1)KEUANGANFINANCIAL1. Profitabilitas 1. Profitabilitya. Risk Based Capital (%) 10,00 486,31 504,98 103,84 10,38 a. Risk Based Capital (%)b. Return On Asset (%) 5,00 27,78 30,34 109,25 5,46 b. Return On Asset (%)c. Return On Equity (%) 5,00 31,30 34,44 110,00 5,50 c. Return On Equity (%)d. Yield On Investment (%) 10,00 9,83 10,00 101,78 10,18 d. Yield On Investment (%)2. Efisiensi Biaya 2. Cost EfficiencyRasio Pengeluaran (%) 5,00 12,81 12,54 102,19 5,11 Spending Ratio (%)3. Rasio Kecukupan Investasi (RKI) 5,00 433,58 383,95 88,55 4,43 Capital Adequacy Ratio (CAR)Total Bobot Aspek Keuangan 40,00 41,06 Total Financial AspectWeightPELANGGANCUSTOMER1. Penyelesaian santunan sejakkecelakaan2. Penyelesaian santunan sejakpengajuan10,00 7 6,00 116,67 11,67 Compensation settlementsince accident10,00 3 0,60 500,00 50,00 Compensation settlementsince filingTotal Bobot Aspek Pelanggan 20,00 61,67 Total Customer AspectWeightPROSES BISNIS INTERNALINTERNAL BUSINESS PRO-CESS1. Rasio Klaim (%) 7,50 51,00 44,23 115,29 8,65 Claim Ratio (%)2. Net Underwriting Growth Net Underwriting GrowthPertumbuhan HasilUnderwriting (%)Total Bobot Aspek Proses BisnisInternalPERTUMBUHAN & PEMBELAJARAN7,50 20,31 39,58 194,89 14,62 Underwriting ResultGrowth (%)15,00 23,26 Total Internal BusinessProcess Apect WeightGROWTH & LEARNING341. Pengembangan SDM 5,00 7,51 6,82 90,83 4,54 Human Resource DevelopmentTotal Bobot Aspek Pertumbuhan& PembelajaranKEPEMIMPINAN5,00 4,54 Total Growth & LearningAspect WeightLeadershipPenerapan GCG 5,00 90,00 94,62 105,13 5,26 GCG ApplicationTotal Bobot AspekKepemimpinanPRODUK & LAYANAN5,00 5,26 Total Leadership AspectWeightPRODUCTS & SERVICESPertumbuhan Pendapatan 5,00 9,13 7,97 87,27 4,36 Revenue GrowthPertumbuhan Premi Bruto (%) Gross Premiums Growth (%)Underwriting Yield 5,00 33,08 38,24 115,59 5,78 Underwriting YieldProduktivitas Pegawai (Juta Rp) 5,00 1.706 1.693,92 99,29 4,96 Employees Producitivity (MillionsRp)Total Bobot Aspek Produk &Layanan15,00 15,11 Total Products & ServicesAspect WeightTOTAL BOBOT 100,00 150,90 TOTAL WEIGHT
Page 1 and 2: annual report 2012Discousure in pro
Page 3 and 4: DAFTAR ISITABLE OF CONTENTSDaftar I
Page 5 and 6: LAPORAN DEWAN KOMISARISREPORTS FROM
Page 15 and 16: LAPORAN DIREKSIREPORTS FROM BOARD O
Page 29 and 30: Ikhtisar Kinerja Keuangan dan Opera
Page 31 and 32: IKHTISAR KINERJA KEUANGANFINANCIAL
Page 33: IKHTISAR KINERJA KEUANGANFINANCIAL
Page 37 and 38: IKHTISAR KINERJA OPERASIONALOPERATI
Page 43 and 44: IKHTISAR KINERJA LAINNYAIKHTISAR KI
Page 50 and 51: Bab 2SekilasJasa RaharjaJasa Raharj
Page 52 and 53: 1. PROFIL PT JASA RAHARJA (PERSERO)
Page 54 and 55: VISI, MISI, BUDAYA PERUSAHAAN DAN P
Page 56 and 57: Proaktif Insan Jasa Raharja selalu
Page 58 and 59: 1981 2008Perubahan menjadi PT(Perse
Page 60 and 61: Undang-Undang tersebut, Pemerintah
Page 62 and 63: PROFIL DEWAN KOMISARISPROFILE BOARD
Page 64 and 65: Diangkat berdasarkan Keputusan Ment
Page 66 and 67: DEWAN KOMSARIS TAHUN 2013PROFILE BO
Page 70 and 71: Berdasarkan Keputusan Menteri Negar
Page 72 and 73: DIREKSI TAHUN 2012PROFILE BOARD OF
Page 74 and 75: Diangkat Berdasarkan Keputusan Ment
Page 78 and 79: DIREKSI TAHUN 2013PROFILE BOARD OF
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6. PERISTIWA PENTINGEVENTSADirektur
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FDirektur Utama Jasa Raharja Diding
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7. AKUNTAN PERSEROANAudit atas Lapo
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9. STRUKTUR ORGANISASI 2012ORGANIZA
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Berkembang atas dasar kepuasan nasa
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C. PEMEGANG SAHAMSHAREHOLDERSNoKete
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H. LABA SETELAH PAJAKPROFIT AFTER T
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Bab 3TinjauanUmumPerusahaanCompanyO
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TINJAUAN UMUM PERUSAHAANCOMPANY OVE
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Skema hubungan Pertumbuhan Ekonomi
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jaminan kecelakaan kerja, jaminan h
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kapal serta sekaligus menambah pert
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c. Dalam UU No. 2 Tahun 1992 mengat
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a. Ketentuan Pengutipan Underwritin
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Perusahaan selambatlambatnyatanggal
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2. Santunan Pertanggungan WajibKece
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tidak ada maka santunandiberikan pa
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diwajibkan membayar sumbanganwajib
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Dana Kecelakaan LalulintasJalan (SW
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2. Jika janda/duda yang sahtidak ad
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pencari nafkah dalam keluarga danme
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dan terpadu, Perusahaanberhasil men
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4. Meminimalisir perbedaandata pada
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g. Menyediakan telepon bebas pulsad
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. Memberikan pendidikan khusus bagi
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Wilayah KerjaRegionCabangBranchPerw
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Orientasi dasar kedua, adalah menga
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c. Potensi Pasar Kendaraan Bermotor
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2. Kebijakan uang muka minimal yang
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Konsistensi Penerapan GCGGCG Implem
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. Penguatan kondisi internalPola ke
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sungguh dan evaluasi kebijakan seca
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memberikan dampak yang signifikante
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Bab 4AnalisisPembahasanDan Manajeme
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1. ANALISIS KINERJA KEUANGANFINANCI
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(dalam juta rupiah)No Uraian 2011RK
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(dalam juta rupiah)No Uraian 20111.
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(dalam juta rupiah)No Uraian 2008 2
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Grafik Pendapatan Underwriting Peri
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Grafik Laba Rugi Komprehensif Perio
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4. Analisis Pertumbuhan Arus KasCas
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C. KEMAMPUAN MEMBAYAR UTANG DANKOLE
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D. KEBIJAKAN DAN STRUKTUR PERUBAHAN
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E. IKATAN INVESTASI BARANG MODAL YA
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F. INFORMASI DAN FAKTA MATERIAL YAN
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c. Kedua entitas tersebut adalah ve
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f. PSAK No. 26 (Revisi 2011) Biaya
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oleh Dewan SAK- IAI terkait denga p
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ANALISIS KINERJA OPERASIONALANALISI
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218LAPORAN TAHUNAN 2012ANNUAL REPOR
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Tata Kelola PerusahaanGood Corporat
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TATA KELOLA PERUSAHAANCORPORATE GOV
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Tinjauan Pendukung Fungsi Tata Kelo
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TINJAUAN PENDUKUNG FUNGSI TATA KELO
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432LAPORAN TAHUNAN 2012ANNUAL REPOR
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434INFORMASI KEUANGANFINANCIAL INFO
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INFORMASI KEUANGANFINANCIAL INFORMA
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LAMPIRANAPPENDIXRINGKASAN LAPORAN K
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LAMPIRANAPPENDIXDAFTAR ASET TETAP I
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PT JASA RAHARJA (PERSASETPER 31 DES
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LAMPIRANAPPENDIXPERHITUNGAN PPh. BA
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LAMPIRANAPPENDIXPERHITUNGAN ASET /
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LAMPIRANAPPENDIXPERHITUNGAN ASET /
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LAMPIRANAPPENDIXPERHITUNGAN HASIL U
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LAMPIRANAPPENDIXPERHITUNGAN BATAS T
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Halaman ini sengaja dikosongkanThis
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Nama dan alamat kantor pusatcabang
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NAMA DAN ALAMAT KANTOR PUSAT, CABAN
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Halaman ini sengaja dikosongkanThis
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