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All Journal Community Engagement and Emergence Journal (CEEJ) Jurnal Multidisiplin Sahombu
Budhialon, Poltak Robert
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Arts Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice

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Strengthening Competitiveness Strategy Of PT RAR In Facing Challenges Of Financial Literacy, Digital Transformation, And Competition In The General Insurance Industry In Indonesia Budhialon, Poltak Robert; Azhari, Ihsan; Johanes RMP, Timbo; Rakhman, Sitti
Jurnal Multidisiplin Sahombu Vol. 5 No. 01 (2025): Jurnal Multidisiplin Sahombu (2025)
Publisher : Sean Institute

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Abstract

This study analyzes the main challenges faced by PT RAR in the general insurance industry in Indonesia, namely low public financial literacy, suboptimal digital transformation, and intense market competition. Using a descriptive qualitative approach, the study employs Prospect Theory and Porter’s Five Forces to evaluate the company’s issues and strategies. The findings indicate that low financial literacy hinders market penetration, limited digital transformation reduces operational efficiency, and competition necessitates product differentiation. Recommendations include financial literacy campaigns, digital technology optimization, and product innovation based on local needs. These strategies are expected to enhance PT RAR's competitiveness and growth in the Indonesian insurance market.
Pengenalan Profesi di Industri Perasuransian Bagi Siswa SMA Santo Fransiskus 2 Jakarta Napitupulu, Reimond Hasangapan Mikkael; Rasyid, Usmawaty; Budhialon, Poltak Robert; Sardjito, R. Muh. Deddy Hanif; Adam, Helmy
Community Engagement and Emergence Journal (CEEJ) Vol. 6 No. 1 (2025): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v6i1.7133

Abstract

Kegiatan PkM yang dilaksanakan oleh para praktisi dan akademisi asuransi merupakan salah satu bentuk kegiatan dalam mendukung pemahaman siswa akan profesi dan karir didunia perasuransian. Tujuan dari kegiatan kolaborasi ini memperkenalkan profesi di dunia perasuransian, agar para siswa mengetahui pekerjaan pada dunia perasuransian. Pada kegiatan PkM ini yang dilaksanakan oleh praktisi dan Akademisi STMA Trisakti yang bertujuan untuk mengatasi segala risiko-risiko dalam industri perasuransian terutama dalam hal pemahaman profesi pada industri perasuransian di Indonesia.
Co-Authors Azhari, Ihsan Helmy Adam Johanes RMP, Timbo Napitupulu Reimond Hasangapan Mikkael R. Muh Deddy Hanif Sardjito Rakhman, Sitti Rasyid, Usmawaty