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"ABSTRAKInovasi telah lama diakui sebagai sumber penting bagi pencapaiankeunggulan daya saing. Namun dalam industri asuransi terdapat perbedaanpandangan terhadap konsep ini; beberapa pelaku industri telah menyadaripentingnya inovasi sebagai sumber untuk mencapai pertumbuhan dan daya saing,sementara sebagian lagi lebih memilih imitasi sebagai sumber untuk mencapaikeunggulan biaya rendah. Dalam upaya meneliti isu inovasi dalam industriasuransi, studi ini memperluas studi Liao, Fei, dan Chen (2007) tentang hubunganantara knowledge sharing dan kapasitas absorptif dan pengaruh positifnyaterhadap kapabilitas inovasi, dengan memasukkan faktor-faktor penghambatinovasi ke dalam kerangka studinya; dan meneliti pengaruh positif kapabilitasinovasi terhadap kinerja perusahaan (e.g.: Garcia-Morales, Llorens-Montes, &Verdu-Jover, 2008).Melalui analisis atas data riset dari 212 strategic business unit dari 64perusahaan asuransi yang beroperasi di Indonesia, studi ini menemukan bahwafaktor hambatan-inovasi berpengaruh negatif pada kapabilitas inovasi namunhubungan sinergis antara knowledge sharing dan kapasitas absorptif dapatmengeliminasi atau meminimalisasi pengaruh negatif tersebut. Studi ini jugamenemukan bahwa faktor-faktor hambatan-inovasi memiliki akarnya di luarperusahaan namun harus ditangani dengan menggunakan sumber dayapengetahuan internal. Temuan ini menimbulkan pertanyaan mengenai kebutuhanuntuk mengkaji ulang konsep manajemen pengetahuan dan knowledge sharingagar tidak berfokus hanya pada pengetahuan internal tetapi perlu diperluas denganpengetahuan eksternal.Studi ini menyarankan kepada pelaku industri asuransi di Indonesia untuksegera meninggalkan strategi ?blind imitation? dan meningkatkan basispengetahuan melalui manajemen pengetahuan yang terintegrasi antarapengetahuan internal dan pengetahuan eksternal; dan kepada regulator asuransiagar memberikan arahan yang lebih tegas mengenai penggunaan dana pendidikandan latihan perusahaan asuransi pada pengetahuan state-of-the-art untuk tujuaninovasi dalam upaya meningkatkan keunggulan daya saing perusahaanperusahaanasuransi Indonesia di dalam negeri maupun di pasar regional atauinternasional;

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ABSTRACTInnovation has long been considered important source of competitiveadvantage. However, in insurance industry innovation receives conflicting viewsfrom the players; either as a critical source of growth and competitiveness, orcostly undertaking as opposed to low cost imitation. In investigating this issue,this research extends the study of Liao, Fei, and Chen (2007) on the relationshipbetween knowledge sharing and absorptive capacity and its effect on innovationcapability, by incorporating innovation barriers into the framework; and theinfluence of innovation capability on firm performance (e.g.: Garcia-Morales,Llorens-Montes, & Verdu-Jover, 2008).Research in this study, conducted on 212 strategic business units of 64insurance companies in Indonesia, found that innovation barriers had negativeimpact on innovation capability but the synergic relationship between knowledgesharing and absorptive capacity could reduce such a negative influence. Thisstudy also found that innovation barriers have their roots outside organization buthave to be dealt with by developing and enforcing internal knowledge sharing ofresources. The findings prompt a question of rethinking knowledge managementto not only focus on internal knowledge sharing but to include external knowledgesharing in an integrated system.This study recommends the Indonesian insurance industry to immediatelyleave the 'blind imitation' strategy and enhance their knowledge base through anintegrated knowledge management between internal knowledge and externalknowledge; and the insurance regulators to provide more explicit directionregarding the use of funds for insurance company?s education and training onstate-of-the-art knowledge for innovation purpose, in order to increasecompetitive advantage of Indonesian insurance companies in domestic market aswell as in regional or international markets;Innovation has long been considered important source of competitiveadvantage. However, in insurance industry innovation receives conflicting viewsfrom the players; either as a critical source of growth and competitiveness, orcostly undertaking as opposed to low cost imitation. In investigating this issue,this research extends the study of Liao, Fei, and Chen (2007) on the relationshipbetween knowledge sharing and absorptive capacity and its effect on innovationcapability, by incorporating innovation barriers into the framework; and theinfluence of innovation capability on firm performance (e.g.: Garcia-Morales,Llorens-Montes, & Verdu-Jover, 2008).Research in this study, conducted on 212 strategic business units of 64insurance companies in Indonesia, found that innovation barriers had negativeimpact on innovation capability but the synergic relationship between knowledgesharing and absorptive capacity could reduce such a negative influence. Thisstudy also found that innovation barriers have their roots outside organization buthave to be dealt with by developing and enforcing internal knowledge sharing ofresources. The findings prompt a question of rethinking knowledge managementto not only focus on internal knowledge sharing but to include external knowledgesharing in an integrated system.This study recommends the Indonesian insurance industry to immediatelyleave the 'blind imitation' strategy and enhance their knowledge base through anintegrated knowledge management between internal knowledge and externalknowledge; and the insurance regulators to provide more explicit directionregarding the use of funds for insurance company?s education and training onstate-of-the-art knowledge for innovation purpose, in order to increasecompetitive advantage of Indonesian insurance companies in domestic market aswell as in regional or international markets"

"ABSTRAKPrinsip indemnitas dan subrogasi merupakan prinsip utama dalam asuransi,terutama asuransi kerugian, yang harus dipegang teguh agar asuransi dapatberjalan sesuai dengan tujuannya, yaitu ganti rugi. Salah satu jenis asuransikerugian yang berkembang pesat seiring meningkatnya jumlah kendaraanbermotor dan risiko atasnya adalah asuransi kendaraan bermotor. Sebagian besarkendaraan bermotor ternyata tidak dibeli secara tunai tetapi dengan menggunakanfasilitas pembiayaan, seperti perjanjian pembiayaan konsumen (PPK), yang tidakdapat dipisahkan dari perjanjian asuransi kendaraan bermotor. Skripsi ini akanmembahas pengaturan prinsip indemnitas dan subrogasi di Indonesia, (termasukperbandingannya dengan beberapa negara lain), serta penerapannya dalamputusan Pengadilan Negeri No. 176/Pdt.G/2011/Jkt.Ut yaitu putusan atas gugatanganti rugi kepada pihak ketiga atas sebuah mobil, yang masih berada dalam masaPPK dan pertanggungan. Penelitian ini merupakan penelitian yuridis-normatif,dimana penulis menggunakan tiga pendekatan yaitu undang-undang, konseptualdan studi kasus. Selain itu, penulis menggunakan metode analisis kualitatif.Setelah melakukan perbandingan dan analisis, ternyata pengaturan prinsipindemnitas dan subrogasi masih belum baik dan Majelis Hakim pada kasustersebut, belum memahami dan menerapkan kedua prinsip tersebut. Agar dapatdilaksanakan dengan baik, maka pengaturan kedua prinsip tersebut harusdiperbaharui, diatur lebih lanjut atau diperjanjikan secara jelas dalam polis, sertapengetahuan hakim dalam bidang hukum asuransi harus terus ditingkatkan.

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ABSTRACTIndemnity and Subrogation Principles are two main principles in insurancelaw that have to be implemented so the purpose of insurance, indemnification, canbe achieved. These principles are also applied in Automobile Insurance. InIndonesia, a lot of people bought their vehicles using a Counsumer FinancingAgreement, which cannot be separated from Insurance Agreement. In this􀁕􀁈􀁖􀁈􀁄􀁕􀁆􀁋􀀏􀀃 􀀬􀀃 􀁚􀁌􀁏􀁏􀀃 􀁊􀁌􀁙􀁈􀀃 􀁄􀁑􀀃 􀁈􀁛􀁓􀁏􀁄􀁑􀁄􀁗􀁌􀁒􀁑􀀃 􀁄􀁅􀁒􀁘􀁗􀀃 􀁋􀁒􀁚􀀃 􀁌􀁑􀁇􀁈􀁐􀁑􀁌􀁗􀁜􀀃 􀁄􀁑􀁇􀀃 􀁖􀁘􀁅􀁕􀁒􀁊􀁄􀁗􀁌􀁒􀁑􀂶􀁖􀀃principle regulation is in Indonesia, including comparison 􀁚􀁌􀁗􀁋􀀃 􀁒􀁗􀁋􀁈􀁕􀀃 􀁆􀁒􀁘􀁑􀁗􀁕􀁌􀁈􀁖􀂶􀀃regulation, and whether The Judges have already implemented those twoprinciples in their decision or not (Court Decision No. 176/Pdt.G/2011/Jkt.Ut).The decision itself is related to Insurance Agreement and Consumer FinancingAgreement. This research is a normative and qualitative research. After analyzingthe problem in this research, I came to the conclusion that the regulation aboutindemnity and subrogation principles is still not good enough, and the judges still􀁋􀁄􀁇􀁑􀂶􀁗􀀃􀁘􀁑􀁇􀁈􀁕􀁖tood and didn􀂶t implement those two principles in their decision. Inmy opinion, the government should make a new and a better regulation and theinsurer and the insured have to make detailed regulations on insurance policyregarding indemnity and subrogation principles and lastly, the judges have toimprove their knowledge in Insurance Law, so the two principles can be wellimplemented in court."

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Penelitian ini membahas mengenai faktor-faktor yang memengaruhi penerapan manajemen risiko reputasi dan pengaruh dari penerapan manajemen risiko reputasi terhadap nilai perusahaan (Tobins Q) pada perusahaan perbankan dan asuransi yang terdaftar di Bursa Efek Indonesia tahun 2008-2017. Sampel yang digunakan mencakup 360 hasil observasi firm-year yang terdiri dari 36 perusahaan selama 10 tahun. Pengujian hipotesis dalam menentukan determinan penerapan manajemen risiko reputasi dilakukan melalui regresi panel logistik dan pengujian hipotesis pengaruh penerapan manajemen risiko reputasi terhadap nilai perusahaan dilakukan menggunakan metode regresi data panel fixed-effects. Analisis univariat juga dilakukan untuk melihat perbedaan antara hasil observasi perusahaan yang menerapkan RRM dan tidak menerapkan RRM. Hasil penelitian menunjukan semakin besar ukuran (firm size), tingkat hutang (leverage) dan kesadaran akan reputasi (reputation awareness) maka semakin besar probabilitas perusahaan untuk menerapkan RRM dan hasil ini signifikan secara statistik. Selain itu, terdapat pula tanda awal bahwa RRM memengaruhi nilai perusahaan dilihat dari analisis univariat dimana perusahaan yang menerapkan RRM memiliki rata-rata nilai Tobins Q yang lebih tinggi dari perusahaan yang tidak menerapkan RRM dan signifikan secara statistik meskipun dari hasil regresi hubungan antara RRM yang positif memengaruhi nilai perusahaan tidak signifikan secara statistik.

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This study discussed the factors that affect the implementation of Reputation Risk Management (RRM) and the effect of the implementation of Reputation Risk Management (RRM) on the firm value (Tobins Q) in banking and insurance firms listed on the IDX in 2008-2017. The sample used includes 360 firm-year observations consisting of 36 companies over 10 years. The hypothesis testing regarding the determinants RRM is done through panel logistic regression and hypothesis testing on the effect of RRM implementation on firm value is carried out using the fixed-effects panel data regression method. Univariate analysis was also conducted to see the differences between the results of observations of companies implementing RRM and not. The results shows that the greater the firm size, leverage and reputation awareness of the firm, the greater the probability of the company to implement RRM and this result is statistically significant. In addition, there is an initial indication of the value-relevance of RRM seen from univariate analysis that shows firms applying RRM have a higher firm value on average than companies that do not implement RRM and are statistically significant eventhough the regression results between RRM relationships are positive influencing firm value has not been statistically significant.

 

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