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All Journal Bina Insani ICT Journal Jurnal Mahasiswa Bina Insani Jurnal Pelita PAUD JURNAL LENTERA BISNIS Community Engagement and Emergence Journal (CEEJ) JBMR: Journal of Business and Management Review Economics and Digital Business Review Yumary: Jurnal Pengabdian kepada Masyarakat Jurnal Ekonomi Jurnal Administrasi Kantor JURNAL PENDIDIKAN DAN BISNIS Annals of Human Resource Management Research Jurnal Web Informatika Teknologi [J-WIT] Jurnal Karya untuk Masyarakat (JKuM) Jurnal Pelita PAUD
Napitupulu Reimond Hasangapan Mikkael
Sekolah Tinggi Manajemen Asuransi Trisakti
Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Neuroscience Social Sciences Other

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Journal : JURNAL LENTERA BISNIS

 1 
PENGUKURAN KINERJA KEUANGAN RETURN ON ASSETS (ROA) DAN RETURN ON EQUITY (ROE) BERDASARKAN PERUBAHAN LABA KOMPREHENSIF PADA PERUSAHAAN REASURANSI DI INDONESIA Suhartono Suhartono; Reimond Hasangapan Mikkael Napitupulu; R.Muh Deddy Hanif Sardjito
JURNAL LENTERA BISNIS Vol. 12 No. 3 (2023): JURNAL LENTERA BISNIS, September 2023
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v12i3.982

Abstract

This research was conducted to find out the effect of Return On Equity and Return On Assets on Changes in Comprehensive Income of Reinsurance Companies in Indonesia. Secondary data was obtained from the company's financial statements listed on the official website and the Indonesia Stock Exchange (IDX) in 2011- 2020. The following research test uses multiple linear regression analysis method. The results of this study are: (1) partial test results (t), there is no effect of ROE on changes in comprehensive income. (2) partial test results (t), there is no effect of ROA on changes in comprehensive income. (3) simultaneous test results (f) namely the influence between ROE and ROA on changes in comprehensive income. Keywords: Return On Equity, Return On Assets, Changes in Comprehensive Income.
PELAKSANAAN PRINSIP UTMOST GOOD FAITH UNTUK PRODUK ASURANSI PROPERTY ALL RISK R. Muh Deddy Hanif Sardjito; Bayu Suganda; Bagus Suhendar; Rianita Natalia Sinaga; Reimond Hasangapan Mikkael Napitupulu
JURNAL LENTERA BISNIS Vol. 13 No. 3 (2024): JURNAL LENTERA BISNIS, SEPTEMBER 2024
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v13i3.1204

Abstract

This research aims to analyze the full application of the principle of good faith in Property All Risk (PAR) insurance products in Indonesia. This study explores how these principles are implemented by insurance companies and understood by policyholders, with a focus on potential challenges and misunderstandings that may arise. This research uses a qualitative approach using interviews and surveys of policyholders and insurance company representatives. Findings reveal that often there is a lack of clear communication from insurance companies regarding the terms and conditions of PAR policies. Many policyholders do not fully understand coverage and exclusions due to the complex legal language used in the policy. This lack of understanding can cause disputes during the claims process. This study is limited to the Indonesian insurance market and focuses on one type of insurance product only. This research suggests that insurance companies need to improve their communications strategies to ensure that policyholders fully understand the terms of their insurance policies. This can be done by simplifying the language used in the policy and providing a more comprehensive explanation during the policy issuance process.
STRATEGI PENGEMBANGAN BISNIS DALAM MENGHADAPI PERSAINGAN BISNIS INSURANCE TECHNOLOGY (INSURTECH) DI INDONESIA Reimond Hasangapan Mikkael Napitupulu; Hendrik S Nadapdap; Wahyu Maulana; Septiawan Pratama
JURNAL LENTERA BISNIS Vol. 14 No. 1 (2025): JURNAL LENTERA BISNIS, JANUARI 2025
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v14i1.1401

Abstract

This research aims to analyze PT Asuransi Jiwa Nasional's business development strategy in responding to the challenges posed by the emergence of insurance technology startup companies (InsurTech) in Indonesia. Through a qualitative approach, this research reveals that PT Asuransi Jiwa Nasional has made a number of efforts to adapt, such as developing digital products, improving technology-based customer service, and establishing strategic partnerships with technology companies. However, this research also identified several challenges that companies face, such as internal resistance to change and limited technological infrastructure. It is hoped that the results of this research can contribute to insurance companies in formulating more effective strategies to compete in the digital era.
OPTIMALISASI PREMI ASURANSI RETAIL ELEKTRONIK MELALUI INOVASI EKOSISTEM DIGITAL TERINTEGRASI DI INDONESIA Reimond Hasangapan Mikkael Napitupulu; R. Muh. Deddy Hanif Sardjito; Pambudi Nugroho; Wahyu Maulana
JURNAL LENTERA BISNIS Vol. 14 No. 2 (2025): JURNAL LENTERA BISNIS, MEI 2025
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v14i2.1602

Abstract

The development of digital technology has driven significant transformation in the insurance industry, especially in the electronic retail insurance segment. This study aims to examine how integrated digital ecosystem innovation can optimize electronic retail insurance premiums in Indonesia. Using the action research method with the DMADV lean six sigma approach, this study involved in-depth interviews with industry players, including insurance companies, digital platforms, and regulators. The results of the study show that the integration between platforms, digital payments, and application-based insurance services creates an ecosystem that strengthens operational efficiency, expands consumer access, and enables more competitive and risk-adaptive premium determination. In addition, the use of real-time customer data allows for more targeted personalization of insurance products and services. This study emphasizes the importance of cross-sector collaboration in building a digital ecosystem that supports the sustainable growth of electronic retail insurance in Indonesia.
MANAJEMEN RISIKO DAN STRATEGIC CONTROL DALAM TATA KELOLA ASURANSI UMUM Napitupulu, Reimond Hasangapan Mikkael; Sardjito, R. Muh Deddy Hanif; Romdaniyah, Romdaniyah
JURNAL LENTERA BISNIS Vol. 15 No. 1 (2026): JURNAL LENTERA BISNIS, JANUARI 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i1.2094

Abstract

This study aims to analyze the contribution of risk management and strategic control in enhancing the effectiveness of corporate governance in the general insurance industry. Strong corporate governance is a key prerequisite for addressing risk complexity, regulatory requirements, and the competitive dynamics of the insurance sector. This study adopts a qualitative approach using a systematic literature review and descriptive analysis of risk management frameworks, strategic control mechanisms, and corporate governance practices in general insurance companies. Data were obtained from secondary sources, including reputable international journal articles, industry regulations, and relevant corporate reports. The findings indicate that the integration of comprehensive risk management with effective strategic control strengthens oversight functions, improves the quality of strategic decision making, and promotes the implementation of transparency, accountability, and responsibility principles. These findings confirm that the synergy between risk management and strategic control plays a significant role in improving corporate governance quality and supporting the sustainability of general insurance companies’ performance.
Co-Authors Ade Sapta Aglom Mel Yoksam Neolaka Agus Arifin Andimas, Andi Bagus Suhendar Bayu Suganda Bernandus Yoseph Beda Budhialon, Poltak Robert Dani Pramudya Dewi Yuliawati Dharma, Eduardus Agus Setya Dian Kurniawan Etyca Rizky Yanti Evy Ekantiana Gita Hapsari Hadiwibowo, Benny Halimatussa’diah, Yulia Halimatussa’diah, Yulia Hanif Aulawi Haryati Haryati Haryati Haryati Helenia Touana Helmy Adam Hendrik S Nadapdap Jayawarsa, A.A. Ketut Lita Bestari Mega Faulina Melva Evalin Tobing Muhammad Takrim Muhammad Takrim Muhammad Takrim Narni Narni Noviansyah, Rizky Pambudi Nugroho Pepih Akromah Prayetno, Sugeng Prihatin Budi Susanto Puji Swastika Sari Putri Nur Anggraeny R. Muh Deddy Hanif Sardjito Rasyid, Usmawaty Rianita Natalia Sinaga Rita Puspita Sari Romdaniyah, Romdaniyah Sardjito, R. Muh Deddy Hanif Septian Tri Saputra Septiawan Pratama Suhartono Suhartono Sukirno Sukirno Tri Astuti Novilasari Wahyu Maulana Wiwiek Handayani Yulia Halimatussa’diah Yuliza Nurbaiti