annual report 2012 - PT. Jasa Raharja

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diserahkan kepada badan dan lembaga amilzakat unfak sedekah, sehingga Perusahaan tidakmenyusun laporan sumber dan penggunaandana zakat.BB. PERISTIWA SETELAH PERIODEPELAPORANPeristiwa-peristiwa yang terjadi setelah periodepelaporan yang menyediakan tambahaninformasi mengenai posisi keuangankonsolidasian Perusahaan dan anak perusahaanpada tanggal laporan posisi keuangankonsolidasian (peristiwa penyesuai), jika ada,telah tercermin dalam laporan keuangankonsolidasian. Peristiwa-peristiwa yangterjadi setelah periode pelaporan yang tidakmemerlukan penyesuaian (peristiwa nonpenyesuai),apabila jumlahnya material,telah diungkapkan dalam laporan keuangankonsolidasianfunds, but left to the agencies and institutionsunfak amil zakat alms, so the company is notprepared a report on sources and uses of zakah.BB. EVENTS AFTER THE REPORTING PERIODEvents occurring after the reporting periodthat provide additional information on theCompany’s consolidated financial position andits subsidiaries in the consolidated statementof financial position date (adjusting events),if any, has been reflected in the consolidatedfinancial statements. Events occurring afterthe reporting period that does not requireadjustment (non-adjusting events), if theamount is material, has been disclosed in theconsolidated financial statements.4. INFORMASI RISIKO ASURANSIa. Analisis Sensitivitas risiko asuransi yangmenggambarkan dampak terhadap laba danrugi, jika terjadi perubahan dalam variable risikorelevan jika kemungkinan terjadi pada akhirperiode pelaporan.4. INSURANCE RISK INFORMATIONa.`Sensitivity analysis of insurance risks thatdescribes the impact on profit and loss, if there isa change in the relevant risk variable if it is likelyto occur at the end of the reporting period.(Rp dalam Juta)Risiko relevan(Pengaruhterhadap)Pendapatan UnderwritingUnderwriting incomeLevel perubahan +5% / Level Change 5%Laba Sebelum PPhEarnings before taxLaba Setelah PajakProfit /after tax(Rp. In million figures)Relevant risks(Effect on)2012 2011 2012 2011 2012 2011PENDAPATAN UNDERWRITING UNDERWRITING INCOMEIuran Wajib 11.846,18 10.862,81 9.998,17 7.778,41 9.215,97 7.070,55 Mandatory duesSWDKLLJ 159.025,77 145.824,84 121.008,58 94.142,68 111.860,36 85.819,95 SWDKLLJAsuransi Kebakaran 2.114,30 1.938,79 1.898,22 1.476,79 9 9.215,97 7.070,55 fire insuranceAsuransiPengangkutan777,04 712,54 620,41 482,67 568,32 436,02 Cargo InsuranceAsuransi Kendaraan 7.139,06 6.546,43 5.467,73 4.253,80 5.069,42 3.889,29 Vehicle insuranceAsuransi Varia 14.857,37 13.624,04 12.366,27 9.620,76 11.381,04 8.731,61 Varia insuranceSurety Bond 3.315,44 3.040,22 1.907,43 1.483,95 1.655,05 1.269,76 Surety BondPertanggunganTidak Langsung643,42 539,60 539,60 419,80 497,96 382,04 Indirect Coverage507
INFORMASI KEUANGANFINANCIAL INFORMATION(Rp dalam Juta)Risiko relevan(Pengaruhterhadap)Pendapatan UnderwritingUnderwriting incomeLevel perubahan +5% / Level Change 5%Laba Sebelum PPhEarnings before taxLaba Setelah PajakProfit /after tax2012 2011 2012 2011 2012 2011Relevant risks(Rp. In (Effect million on) figures)PENDAPATAN UNDERWRITING UNDERWRITING INCOMEKlaim PelaksanaanUU.33/64Klaim PelaksanaanUU.34/64Klaim AsuransiKebakaranKlaim AsuransiPengangkutan970,29 9 81,79 (596,49) (464,06) (464,06) ) 431,45) UU.34/64 Claims78.177,41 79.104,31 (56.934,16) 44.293,84) (52.814,53) (40.519,63) UU.34/64 Claims676,36684,38 (631,85) (491,57) (616,43) (472,93)134,67 136,26 (112,62) (87,62) (111,43) (85,49)Fire InsuranceclaimsCargo insuranceclaimsKlaim Kendaraan 5.747,15 5.815,29 (4.582,93) (3.565,44) (4.293,74) (3.294,18) Vehicle ClaimsKlaim Varia 1.875,48 1.897,72 (2.657,44) (2.067,44) (2.451,92) (1.881,13) Varia ClaimsKlaim Surety BondSurety bond1.404,89 1.421,54 (1.345,66) (1.046,90) (1.240,31) (951,57)claimsBiaya Survey danMeterai KlaimBiayaPenanggulanganKecelakaanBiaya PenyisihanCadangan Teknis318,57 3 22,35 (354,72) (275,96) (334,68) (256,77)3.264,20 3.302,90 (2.869,48) (2.232,41) (2.747,67) (2.108,03)16.146,85 16.338,29 (493,25) (383,74) (390,33) (299,46)b. Perkembangan KlaimBerikut ini perkembangan klaim yangmerupakan perbandingan antara aktual klaimdengan estimasi klaim.(Rp. In million figures)Survey and legalcostsAccidentmogitation costsReserve technicalcostsb. Development of ClaimsThis follows claims that the development isthe ratio between the actual claims and theestimated claims.Tahun/ Years Aktual Klaim/ Actual ClaimEstimasi klaim/Claim EstimationSelisih/ Margins2012 1.608.956.755.941 2.210.452.855.938 (601.496.099.997)2011 1.649.755.903.453 1.994.167.231.468 (344.411.328.015)2010 1.620.478.471.478 1.807.212.313.275 (186.733.841.797)2009 1.529.119.951.699 1.486.944.808.878 42.175.142.8212008 1.146.882.592.300 1.921.738.855.938 (774.856.263.638)5. TUJUAN DAN KEBIJAKANMANAJEMEN RISIKO KEUANGANRisiko-risiko utama yang timbul dari instrumenkeuangan yang dimiliki Perusahaan dan anakperusahaan adalah risiko suku bunga, risiko nilaitukar, risiko kredit dan risiko likuiditas. Kegiatanoperasional Perusahaan dan anak perusahaandijalankan secara berhati-hati dengan mengelolarisiko-risiko tersebut agar tidak menimbulkanpotensi kerugian bagi Perusahaan dan anakperusahaan.5. OBJECTIVES AND FINANCIAL RISKMANAGEMENT POLICIESThe main risks arising from financial instrumentsowned by the Company and its subsidiaries areinterest rate risk, foreign exchange risk, creditrisk and liquidity risk. Operational activities of theCompany and its subsidiaries executed carefully bymanaging those risks to minimize potential lossesto the Company and its subsidiaries.508
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annual report 2012Discousure in pro
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DAFTAR ISITABLE OF CONTENTSDaftar I
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LAPORAN DEWAN KOMISARISREPORTS FROM
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LAPORAN DIREKSIREPORTS FROM BOARD O
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Ikhtisar Kinerja Keuangan dan Opera
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IKHTISAR KINERJA KEUANGANFINANCIAL
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IKHTISAR KINERJA OPERASIONALOPERATI
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IKHTISAR KINERJA LAINNYAIKHTISAR KI
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Bab 2SekilasJasa RaharjaJasa Raharj
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1. PROFIL PT JASA RAHARJA (PERSERO)
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VISI, MISI, BUDAYA PERUSAHAAN DAN P
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Proaktif Insan Jasa Raharja selalu
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1981 2008Perubahan menjadi PT(Perse
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Undang-Undang tersebut, Pemerintah
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PROFIL DEWAN KOMISARISPROFILE BOARD
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Diangkat berdasarkan Keputusan Ment
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DEWAN KOMSARIS TAHUN 2013PROFILE BO
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Berdasarkan Keputusan Menteri Negar
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DIREKSI TAHUN 2012PROFILE BOARD OF
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Diangkat Berdasarkan Keputusan Ment
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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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Page 457 and 458: 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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Nama dan alamat kantor pusatcabang
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NAMA DAN ALAMAT KANTOR PUSAT, CABAN
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