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04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk i
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Penjelasan Tema
Theme Explanation
PT Asuransi Tugu Pratama Indonesia Tbk (Tugu Insurance atau Perseroan)
berkomitmen untuk terus berkembang secara konsisten dengan memperkuat
pertumbuhan berkelanjutan. Dalam menjalankan operasional asuransi, perusahaan
mengutamakan pendekatan kehati-hatian (prudent) dan manajemen risiko yang
terukur, serta memfokuskan pada kelangsungan jangka panjang. Capaian kinerja
keberlanjutan Perseroan, mencerminkan performa yang tidak hanya berfokus pada
hasil jangka pendek, tetapi juga memastikan pertumbuhan yang berkelanjutan.
Upaya Perseroan untuk tumbuh berkelanjutan diperkuat dengan pengembangan
produk yang berorientasi ESG (Environmental, Social, and Governance), sejalan
dengan tema “Steadily Advancing Strengthening Sustainability Growth”.
Pengembangan produk-produk tersebut mendukung pertumbuhan kinerja yang
stabil, berkelanjutan, dan ramah lingkungan, serta memberikan dampak positif bagi
masyarakat dan ekonomi. Tugu Insurance menawarkan sekitar 100 jenis produk
asuransi yang telah mendapatkan izin dari Otoritas Jasa Keuangan (OJK), untuk
memenuhi kebutuhan pelanggan baik di segmen korporasi maupun ritel, serta
meningkatkan daya saing bisnis berbasis konvensional dan syariah. Selain itu,
beberapa produk dan layanan Tugu Insurance juga berfokus pada kegiatan yang
tergolong dalam Kategori Kegiatan Usaha Berkelanjutan (KKUB), seperti asuransi
kendaraan listrik, panel surya, dan sumur geothermal, yang mendukung ekosistem
industri hijau.
PT Asuransi Tugu Pratama Indonesia Tbk (Tugu Insurance or the Company) is
committed to consistently developing by strengthening sustainable growth. In
carrying out insurance operations, the Company prioritizes a prudent approach
and measurable risk management, and focuses on long-term sustainability. The
Company’s sustainability performance achievements reflect performance that not
only focuses on short-term results, but also ensures sustainable growth.
The Company’s efforts to grow sustainably are strengthened by the development
of ESG (Environmental, Social, and Governance) oriented products, in line with the
theme “Steadily Advancing Strengthening Sustainability Growth”. These product
development supports stable, sustainable, and environmentally friendly performance
growth, and has a positive impact on society and the economy. Tugu Insurance offers
around 100 types of insurance products that have been licensed by the Financial
Services Authority (OJK), to meet customer needs in both corporate and retail
segments, as well as to increase the competitiveness of conventional and sharia-
based businesses. Furthermore, several Tugu Insurance products and services also
focus on activities under the Sustainable Business Activity Category (KKUB), such
as electric vehicle insurance, solar panels, and geothermal wells, which support the
green industrial ecosystem.
ii LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Daftar Isi 04
Tentang Laporan 89
Keberagaman Manajemen dan
Independensi
Management Diversity and
Table of Contents Keberlanjutan Independency
Kehadiran Dewan Komisaris dan Direksi
About this Sustainability Report dalam Rapat Dewan
89 Attendance of the Board of
Penjelasan Tema Periode, Siklus dan Cakupan Pelaporan Commissioners and Board of Directors
ii Theme Explanation
32 Reporting Period, Cycle and Scope in Board Meetings
Daftar Isi Standar dan Pedoman Pelaporan Evaluasi Kinerja dan Remunerasi Dewan
1 Table of Contents
34 Reporting Standard and Guidelines Komisaris dan Direksi
90 Performance Evaluation and
Penyajian Kembali dan Perubahan Remuneration for the Board of
Informasi dalam Pelaporan Commissioners and Board of Directors
34
01 Restatement and Change of Information
in Reporting Pengembangan Kompetensi Terkait
Strategi Keberlanjutan Penetapan Topik Material dan Batasan 93
Keuangan Berkelanjutan
Development of Competencies Related
Sustainability Strategy 34
Topik to Sustainable Finance
Defining Material Topics and Topic
Boundaries Penilaian Risiko atas Penerapan
Visi dan Misi dalam Implementasi Keuangan Berkelanjutan
Strategi Berkelanjutan Vision and Daftar Topik Material 96 Risk Assessment on Sustainable
4 Mission in Sustainability Strategy 36 List of Material Topics Finance Implementation
Implementation
Assurance Hubungan dengan Pemangku
Pengelolaan Risiko dan Hasil yang Ingin 38 Assurance 104 Kepentingan
6 Dicapai Relations with Stakeholders
Umpan Balik & Akses Informasi
Risk Management and Desired Results 38 Feedback & Information Access Permasalahan dan Pengaruhnya
Strategi Keberlanjutan dan Hasil yang Terhadap Penerapan Keuangan
Ingin Dicapai 106 Berkelanjutan
8 Sustainability Strategy and Desired
Results 05 Issues and Their Effects on Sustainable
Finance Implementation
Kontribusi Terhadap Tujuan Profil Tugu Insurance Kegiatan Membangun Budaya
Pembangunan Berkelanjutan (TPB) 106
10 Contribution to the Sustainable Tugu Insurance Profile Keberlanjutan
Activities to Build Sustainable Culture
Development Goals (SDGs)
Identitas Perusahaan
42 Company Identity
02 43
Sejarah Singkat Perusahaan 07
Ikhtisar Kinerja Aspek
Brief History of the Company Kinerja Keberlanjutan
Visi, Misi, dan Nilai Keberlanjutan Sustainability Performance
Keberlanjutan 45 Vision, Mission, and Sustainability
Values
Sustainability Aspects Kinerja Keberlanjutan - Aspek Ekonomi
Performance Overview Budaya Perusahaan dan Tata Nilai 112 Sustainability Performance - Economic
46 Perusahaan Aspect
Corporate Culture and Values
Aspek Ekonomi Kinerja Keberlanjutan - Aspek
16 Skala Usaha Lingkungan
Economic Aspects 47 Business Scale
118 Sustainability Performance -
Aspek Lingkungan Hidup Environmental Aspects
17 Environmental Aspects Produk, Layanan dan Kegiatan Usaha
54 Products, Services, and Business Kinerja Keberlanjutan - Aspek Sosial
18
Aspek Sosial Activities 129 Sustainability Performance - Social
Social Aspects Aspects
Pasar yang Dilayani
56 Market Served
03 57
Keanggotaan Asosiasi
Membership in Association
Penjelasan Direksi 58
Perubahan Signifikan 157
Verifikasi Tertulis dari Pihak Independen
Independent Party Written Verification
Explanation From Significant Changes
Lembar Umpan Balik
the Board of Directors 59
Rantai Pasokan 158 Feedback Sheet
Supply Chain
Kebijakan Merespon Tantangan Dalam Inisiatif Eksternal Surat Pernyataan Dewan Komisaris
Strategi Keberlanjutan
60 External Initiatives 160 Statement Letter of Board of
23 Policies in Responding Challenges in Commissioners
Sustainable Strategy Surat Pernyataan Direksi
161
Penerapan Keberlanjutan dan Keuangan
Berkelanjutan
06 Statement Letter of Board of Directors
Tanggapan Terhadap Umpan Balik
25 Implementation of Sustainability and Tata Kelola Keberlanjutan 162 Comments on Feedbacks
Sustainable Finance
Sustainability Governance Referensi Peraturan POJK No. 51/
POJK.03/2017 & Surat Edaran OJK No.
Strategi Pencapaian Target 16/SEOJK.04/2021
28 Target Achievement Strategy 73
Struktur Tata Kelola
162
Governance Structure Reference to POJK Regulation No. 51/
POJK.03/2017 & OJK Circular No. 16/
Badan Tata Kelola Tertinggi dan SEOJK.04/2021
Penanggung Jawab Penerapan Keuangan
Berkelanjutan Indeks GRI Standards 2021
75 Governance Structure and Party
166 GRI Standards 2021
in Charge of Sustainable Finance
Implementation
Nominasi dan Pengangkatan Dewan
Komisaris dan Direksi
85 Nomination and Appointment of the
Board of Commissioners and the Board
of Directors
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 1
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2 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 3
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01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Strategi Keberlanjutan
Sustainability Strategy
Tugu Insurance berkomitmen untuk menjalankan bisnis Tugu Insurance is committed to conducting its business
dan operasionalnya dengan memperhatikan aspek and operations by focusing on sustainability aspects.
keberlanjutan. Kegiatan Perseroan tidak hanya difokuskan The Company’s activities are not only centered on current
pada kebutuhan saat ini, tetapi juga pada kelangsungan needs but also on ensuring the organization’s continuity in
organisasi di masa depan. Keberlanjutan ini mencakup the future. This sustainability includes a balance among
keseimbangan antara tiga dimensi yang saling terhubung, three interconnected dimensions, namely economic, social,
yaitu ekonomi, sosial, dan lingkungan. and environmental.
Tugu Insurance telah mengembangkan berbagai program Tugu Insurance has developed various programs
dan inisiatif yang mendukung pencapaian Tujuan and initiatives to support the achievement of the
Pembangunan Berkelanjutan (TPB) dengan mengutamakan Sustainable Development Goals (SDGs) by prioritizing the
prinsip Environmental, Social, and Governance (ESG). Environmental, Social, and Governance (ESG) principles
Pembangunan berkelanjutan mencakup tiga aspek utama. which consist of three key aspects. First, the economic
Pertama, dimensi ekonomi, yang berkaitan dengan dimension, which relates to the organization’s ability to
kemampuan organisasi untuk menjaga kelangsungan sustain economic activities both in the present and the
aktivitas ekonomi baik di masa kini maupun di masa future. Second, the social dimension, which focuses on
depan. Kedua, dimensi sosial, yang fokus pada kondisi the social well-being of communities surrounding the
kehidupan sosial masyarakat di sekitar organisasi. Ketiga, organization. Third, the environmental dimension, which
dimensi lingkungan, yang berhubungan dengan upaya relates to efforts in environmental preservation and human
pelestarian lingkungan dan tempat tinggal manusia, di habitation. The Company is considered environmentally
mana Perseroan dianggap berkelanjutan secara lingkungan sustainable if it can ensure a healthy environment to be
jika dapat memastikan kondisi lingkungan yang baik untuk passed on to future generations.
diwariskan kepada generasi mendatang.
Beragam inisiatif dan strategi yang Tugu Insurance lakukan Various initiatives and strategies that Tugu Insurance has
untuk meningkatkan kinerja dan keberlanjutan usahanya, undertaken to improve its business performance and
telah mendapatkan pengakuan dari lembaga pemeringkat sustainability, have been recognized by the U.S.-based
asuransi asal Amerika, AM Best. Tugu Insurance berhasil insurance rating agency, AM Best. Tugu Insurance has
mempertahankan posisinya sebagai perusahaan asuransi successfully maintained its position as the best general
umum terbaik di Indonesia dengan predikat Financial insurance company in Indonesia, earning a Financial
Strength Rating A- (Excellent) dan Long-Term Issuer Credit Strength Rating of A- (Excellent) and a Long-Term Issuer
Rating “a-” (Excellent). Predikat A- (Excellent) pertama Credit Rating of “a-” (Excellent). The A- (Excellent) rating
kali diraih pada tahun 2016 dan berhasil dipertahankan was first achieved in 2016 and has been maintained
selama sembilan tahun berturut-turut. Bahkan sejak 2024 for nine consecutive years. Moreover, since 2024,
Tugu Insurance menyandang predikat Indonesia National Tugu Insurance has held the Indonesia National Scale
Scale Rating (NSR) of aaa.ID (Exceptional) hingga tahun Rating (NSR) of aaa.ID (Exceptional), which is still valid
2025 ini. through 2025.
Visi dan Misi dalam Implementasi Strategi Berkelanjutan [OJK A.1a][GRI 2-23]
Vision and Mission in Sustainability Strategy Implementation [OJK A.1a][GRI 2-23]
Tugu Insurance memastikan bahwa setiap keputusan dan Tugu Insurance ensures that every decision and strategic
kebijakan strategis yang diambil selalu selaras dengan policy made is always aligned with the Company’s vision
visi dan misi perusahaan. Secara berkala, Perseroan juga and mission. The Company also conducts periodic
melakukan evaluasi kinerja untuk memastikan kesesuaian performance evaluations to ensure that operational goals
pencapaian tujuan operasional dengan visi dan misi yang are achieved in accordance with the established vision and
telah ditetapkan. Hasil dari evaluasi ini kemudian menjadi mission. The evaluation results serve as a reference for
acuan dalam penyusunan Rencana Kerja dan Anggaran the preparation of the annual Company’s Work Plan and
Perusahaan (RKAP) tahunan, serta dalam perencanaan Budget (RKAP), as well as the five-year planning outlined in
lima tahunan yang tercantum dalam Rencana Jangka the Company’s Long-Term Plan (RJPP).
Panjang Perusahaan (RJPP).
4 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Sejalan dengan komitmen terhadap visi dan misi, Tugu In line with the Company’s commitment to the vision and
Insurance menerapkan strategi keberlanjutan yang mission, Tugu Insurance adopts a sustainability strategy
berfokus pada tanggung jawab sosial dan lingkungan, focused on social and environmental responsibility while
serta berkontribusi pada pencapaian pembangunan contributing to sustainable development, which is in line
berkelanjutan yang berorientasi pada Tujuan Pembangunan with the Sustainable Development Goals (SDGs). The
Berkelanjutan (TPB/SDGs). Kebijakan keberlanjutan yang Company’s sustainability policy includes various initiatives
diterapkan Perseroan mencakup berbagai inisiatif yang that support the achievement of its vision and mission, as
mendukung pencapaian visi dan misi tersebut, antara lain: follows: [GRI 2-23]
[GRI 2-23]
1. Perseroan menunjukkan kepeduliannya terhadap 1. The Company demonstrates its concern for the
masyarakat dan lingkungan sekitar melalui kegiatan community and the surrounding environment through
Corporate Social Responsibility (CSR); Corporate Social Responsibility (CSR) activities;
2. Perseroan bukan hanya mengejar keuntungan bagi 2. The Company not only pursues profit for its owners
pemilik semata, namun juga menjaga dan memberikan but also preserves and adds value to society and the
nilai tambah (value added) pada masyarakat environment;
dan lingkungannya;
3. Perseroan meningkatkan nama baik/reputasi, sehingga 3. The Company enhances its reputation, thereby
terjaga citra (corporate image) yang positif. maintaining a positive corporate image.
Tugu Insurance terus berusaha menciptakan nilai bagi Tugu Insurance strives to create value for shareholders and
pemegang saham dan pemangku kepentingan dengan stakeholders by optimizing the Company’s performance
mengoptimalkan kinerja perusahaan dan mengurangi and mitigating social and environmental risks. Strategic
dampak risiko sosial serta lingkungan. Kebijakan strategis sustainability policies are developed based on existing
terkait keberlanjutan disusun berdasarkan kebutuhan yang needs and are periodically evaluated to ensure their
ada dan dievaluasi secara berkala untuk memastikan effectiveness while adapting to changing conditions and
efektivitasnya serta disesuaikan dengan perubahan business dynamics. Furthermore, the Company consistently
kondisi dan dinamika bisnis. Selain itu, Perseroan secara disseminates the sustainability culture from the highest
konsisten mensosialisasikan budaya keberlanjutan management level to employees through various activities.
dari level manajemen tertinggi hingga karyawan melalui
berbagai kegiatan.
Selain penguatan budaya keberlanjutan, Tugu Insurance In addition to strengthening sustainability culture, Tugu
juga memastikan bahwa kegiatan usaha perasuransian Insurance also ensures that its insurance business
yang dijalankan mengacu pada prinsip-prinsip asuransi activities adhere to the Principle of Sustainable Insurance
berkelanjutan (Principle of Sustainable Insurance/ (PSI). These principles encourage the Company to
PSI). Prinsip-prinsip ini mendorong perusahaan untuk contribute to raising the awareness of environmental,
berkontribusi dalam meningkatkan kesadaran terhadap governance and risk management issues. These principles
isu-isu lingkungan sosial, tata kelola, dan manajemen risiko. are reflected in the implementation of good corporate
Penerapan prinsip-prinsip ini tercermin dalam penerapan governance, which achieved a Good Corporate Governance
tata kelola perusahaan yang baik, dengan pencapaian nilai (GCG) score of 95.73%, under the predicate “Very Good” in
Good Corporate Governance (GCG) yang dilakukan oleh pihak 2024, as assessed by independent external party.
eksternal independen mendapatkan nilai sebesar 95,73%
dan dengan predikat “Sangat Baik” pada tahun 2024.
Prinsip asuransi berkelanjutan juga mengedepankan The insurance sustainable principles also emphasize
pentingnya akuntabilitas dan transparansi dalam the significant of accountability and transparency in
mengungkapkan kemajuan yang telah dicapai kepada disclosing progress to the public and stakeholders.
publik dan pemangku kepentingan. Hal ini tercermin This is reflected in Tugu Insurance’s commitment and
dalam komitmen dan konsistensi Tugu Insurance dalam consistency in publishing sustainability reports, annual
menerbitkan laporan keberlanjutan, laporan tahunan, serta reports, and financial statements each year, along with
laporan keuangan setiap tahunnya, beserta informasi other information according to applicable laws and
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 5
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01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
lainnya yang sesuai dengan ketentuan perundang-undangan regulations. The sustainability report outlines performance
yang berlaku. Laporan keberlanjutan yang disusun achievements across economic, environmental, social, and
mencakup pencapaian kinerja dalam aspek ekonomi, governance aspects.
lingkungan, sosial, dan tata kelola.
Pengelolaan Risiko dan Hasil yang Ingin Dicapai [OJK A.1b][GRI 2-25]
Risk Management and Desired Results [OJK A.1b][GRI 2-25]
Dalam menyelenggarakan kegiatan usaha Perseroan In carrying out business activities, the Company faces
menghadapi berbagai risiko yang dapat mengakibatkan various risks that may cause losses and/or failure to
kerugian dan/atau tidak tercapainya sasaran Perusahaan, achieve the Company’s targets, as stated in both the
baik sasaran yang dituangkan dalam Rencana Kerja Company’s Work Budget Plan (RKAP) and the Company’s
Anggaran Perusahaan (RKAP) maupun Rencana Long-Term Plan (RJPP). One effort to minimize potential
Jangka Panjang Perusahaan (RJPP). Salah satu upaya losses and maximize opportunities to achieve targets is
meminimalkan potensi kerugian dan memaksimalkan to implement effective risk management that enhances
peluang tercapainya sasaran adalah dengan menerapkan corporate governance, anticipates changes in the business
manajemen risiko secara efektif yang dapat mendorong environment, maintains a conducive work environment, and
peningkatan dalam tata kelola perusahaan, mengantisipasi integrates business strategies corporately. An effective
perubahan lingkungan usaha, mempertahankan lingkungan and efficient risk management is also one of the aspects
kerja yang kondusif, dan mengintegrasikan strategi supporting the Company’s sustainability. As such, the
bisnis secara korporat. Penerapan manajemen risiko Company’s risk management implementation is integrated
yang efektif dan efesien juga menjadi salah satu aspek into the business process, and the risk management
penunjang keberlanjutan Perseroan. Oleh karenanya framework and internal control system are periodically
penerapan manajemen risiko Perseroan diintegrasikan developed.
ke dalam proses bisnis, dan secara berkala dilakukan
pengembangan atas kerangka pengelolaan risiko maupun
sistem pengendalian internal.
Penerapan manajemen risiko Tugu Insurance mencakup Tugu Insurance’s risk management implementation covers
pada 4 (empat) pilar sebagai berikut: 4 (four) pillars, as follows:
1. Pengawasan aktif Direksi, Dewan Komisaris dan Dewan 1. Active supervision by the Board of Directors, the Board
Pengawas Syariah; of Commissioners and Sharia Supervisory Board;
2. Kecukupan kebijakan dan prosedur manajemen risiko 2. Adequacy of risk management policies and procedures
serta penetapan limit risiko; as well as the establishment of risk limits;
3. Kecukupan proses identifikasi, pengukuran, 3. Adequacy of risk identification, measurement,
pengendalian, dan pemantauan risiko, serta sistem control, and monitoring processes, along with a risk
informasi manajemen risiko; management information system;
4. Sistem pengendalian internal yang menyeluruh. 4. A comprehensive internal control system.
Selain itu, Tugu Insurance telah mengembangkan sistem Moreover, Tugu Insurance has developed a Three-Lines of
pengendalian Model Tiga Lini (Three Lines of Model) dengan Model control system with the principles of prevention,
prinsip pencegahan, deteksi, dan pengarahan, dengan detection, and direction, with the following explanation:
penjelasan sebagai berikut:
Lini pertama, merupakan unit kerja pemilik risiko yang The first line is a risk owner work unit that carries out
melaksanakan fungsi bisnis serta unit kerja operasional business functions as well as operational and business
dan pendukung bisnis. Dalam menjalankan aktivitas support work units. In carrying out daily activities, this
sehari-hari, unit kerja ini berhadapan langsung dengan work unit deals directly with various types and potential
berbagai jenis dan kemungkinan risiko. Seluruh fungsi risks. All functions in the first line of defense are
pada lini pertahanan pertama bertanggung jawab untuk responsible for identifying and managing risks associated
mengidentifikasi dan mengelola risiko yang terkait with each product, activity, process, and system run, and
dengan setiap produk, kegiatan, proses, dan sistem yang are expected to have high risk awareness to manage
dijalankan, serta diharapkan memiliki kesadaran risiko risks effectively.
yang tinggi untuk mengelola risiko dengan efektif.
6 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Lini kedua, merupakan pertahanan yang dilaksanakan oleh The second line is the defense implemented by the Risk
unit kerja Manajemen Risiko dan unit kerja Kepatuhan. Unit Management work unit and the Compliance work unit. The
kerja di lini pertahanan kedua bertanggung jawab untuk work units in the second line of defense are responsible for
mengembangkan strategi manajemen risiko, memelihara developing the risk management strategy, maintaining and
dan mengembangkan secara berkelanjutan kerangka continuously developing the risk management framework,
pengelolaan risiko, serta memberikan masukan dan providing input and direction to the business work unit,
arahan kepada unit kerja bisnis dan unit kerja pendukung and supporting work unit regarding the risk management
mengenai proses pengelolaan risiko, pengukuran risiko, process, risk measurement, and reporting.
dan pelaporan.
Lini ketiga, merupakan unit internal audit berfungsi The third line, which is an internal audit unit, functions
sebagai unit independen yang melaksanakan audit as an independent unit that carries out risk-based audit
berbasis risiko dan memberikan nilai tambah kepada lini and provides added value to the first and second lines
pertahanan pertama dan kedua, untuk memastikan bahwa of defense, ensuring that all elements of the Company
seluruh elemen Perusahaan telah melaksanakan fungsi have carried out their functions and responsibilities
dan tanggung jawabnya dengan baik, termasuk memastikan properly, including ensuring compliance with the Company’s
kesesuaian dengan kebijakan manajemen Perusahaan dan management policies and applicable regulations.
regulasi yang berlaku.
Proses manajemen risiko merupakan penerapan terhadap The risk management process is the application of risk
kerangka, kebijakan, dan prosedur pengelolaan risiko management frameworks, policies, and procedures carried
yang dilakukan secara sistematik pada setiap aktivitas out systematically in all Company’s activities to manage
Perseroan untuk mengelola risiko yang melekat dan inherent risks and provide sustainable added value. The
memberikan nilai tambah yang berkelanjutan. Pelaksanaan risk management process begins with determining the
proses manajemen risiko dimulai dengan melakukan context, risk assessment, risk treatment, communication
penetapan konteks, penilaian risiko, perlakuan terhadap and consultation, and ends with monitoring and reviewing
risiko, komunikasi dan konsultasi, diakhiri dengan the risk management process. The risk management
pemantauan dan pengkajian terhadap proses pengelolaan process is described as follows:
risiko. Penjabaran dari proses manajemen risiko adalah
sebagai berikut:
1. Ruang lingkup, konteks dan kriteria merupakan 1. Scope, context, and criteria are the determination of
penentuan lingkup pengelolaan risiko dengan risk management scope by considering internal and
memperhatikan faktor internal dan eksternal; external factors;
2. Penilaian risiko merupakan pelaksanaan identifikasi, 2. Risk assessment, which is the implementation of risk
analisis, dan evaluasi risiko; identification, analysis, and evaluation;
3. Perlakuan risiko disesuaikan dengan strategi bisnis 3. Risk treatment, which is adjusted to the Company’s
Perseroan dengan mempertimbangkan risk appetite, business strategy by considering risk appetite,
status risiko, risk treatment cost dan manfaat yang risk status, risk treatment cost, and the most
paling optimal; optimal benefits;
4. Komunikasi dan konsultasi merupakan proses yang 4. Communication and consultation, which are repetitive
berulang dan berkesinambungan antar pemangku and continuous processes among stakeholders to
kepentingan untuk saling memberikan, berbagi, dan provide, share, and obtain information and conduct
memperoleh informasi serta melakukan dialog terkait dialogues related to risk management;
dengan pengelolaan risiko;
5. Pemantauan dan tinjauan, merupakan kegiatan 5. Monitoring and review, which are inspection, supervision,
pemeriksaaan, pengawasan, dan pengamatan yang and observation that can be carried out routinely
dapat dilaksanakan secara rutin sesuai rencana dan/ according to plan and/or at any time as needed to
atau setiap saat sesuai kebutuhan untuk menyakinkan ensure the achievement of plans or targets, determine
pencapaian rencana atau target, menentukan the suitability, adequacy, and/or effectiveness of risk
kesesuaian, kecukupan, dan atau efektivitas proses management process;
manajemen risiko;
6. Pencatatan dan pelaporan, merupakan dokumentasi dan 6. Recording and reporting, which are documentation and
pelaporan terhadap implementasi dan hasil dari proses reporting on the implementation and results of risk
manajemen risiko sesuai dengan karakteristik Perseroan management process in accordance with the Company’s
sehingga informasi yang disampaikan tepat sasaran. characteristics, and thus, the information conveyed is
right on target.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 7
Page 10
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Pemantauan dan evaluasi atas efektivitas manajemen The monitoring and evaluation of risk management
risiko juga dilakukan melalui penyampaian pelaporan effectiveness are also carried out through periodic reports
secara berkala yang disampaikan oleh Satuan Kerja submitted by the Company’s Risk Management Work Unit
Manajemen Risiko Perseroan dan disampaikan kepada to the Board of Directors overseeing the risk management
Direksi yang membawahi fungsi manajemen risiko. function. Additionally, the evaluation of risk management
Tidak hanya itu evaluasi penerapan manajemen risiko implementation is conducted at multiple levels by the
juga dilakukan secara bertingkat dilakukan oleh Dewan Board of Directors and the Board of Commissioners as
Direksi dan Dewan Komisaris sebagai bentuk pengawasan part of active supervision, which includes reporting to the
aktif dalam bentuk penyampaian ke Komite Manajemen Risk Management Committee and the Risk Monitoring
Risiko dan Komite Pemantau Risiko. Perseroan secara Committee. The Company continuously evaluates the
berkelanjutan melakukan evaluasi atas efektivitas effectiveness of risk management implementation,
penerapan manajemen risiko yang antara lain: including the following:
1. Kecukupan kebijakan, prosedur dan penetapan 1. Adequacy of policies, procedures, and determination of
limit risiko; risk limits;
2. Perkembangan eksposur risiko yang dihadapi 2. Development of the Company’s risk exposure;
oleh Perseroan;
3. Kecukupan proses identifikasi, pengukuran, pemantauan 3. Adequacy of risk identification, measurement,
dan pengendalian risiko; dan monitoring, and control processes; and
4. Efektivitas sistem pengendalian internal yang 4. Effectiveness of a comprehensive internal
menyeluruh. control system.
Strategi Keberlanjutan dan Hasil yang Ingin Dicapai [OJK A.1c][GRI 2-22, 2-24]
Sustainability Strategy and Desired Results [OJK A.1c][GRI 2-22, 2-24]
Tugu Insurance terus menunjukkan komitmennya dalam Tugu Insurance consistently demonstrates its commitment
mendukung implementasi keuangan berkelanjutan dan to supporting the implementation of sustainable finance
pencapaian Tujuan Pembangunan Berkelanjutan (TPB). and the achievement of Sustainable Development Goals
Komitmen ini diperkuat dengan pengembangan peta jalan (SDGs). This commitment is reinforced by the development
untuk pelaksanaan Rencana Aksi Keuangan Berkelanjutan of a roadmap for implementing the Sustainable Finance
(RAKB), sehingga pencapaian tujuan dapat lebih terarah. Action Plan (RAKB), ensuring a more structured approach to
Tugu Insurance telah menetapkan target jangka panjang achieving its objectives. Tugu Insurance has set long-term
dalam RAKB 2021-2026. Selanjutnya, target jangka targets in the 2021–2026 RAKB, which are further broken
panjang tersebut dipecah menjadi target jangka menengah down into medium-term targets outlined in the annual
yang tercantum dalam RAKB tahunan. Untuk itu, Perseroan RAKB. Moreover, the Company also established short-term
juga menetapkan prioritas dan strategi jangka pendek priorities and strategies in the 2024 RAKB. Through this
dalam RAKB 2024. Dalam peta jalan ini, implementasi roadmap, the implementation of sustainable finance is
keuangan berkelanjutan dibagi menjadi empat tahap, yaitu: divided into four stages:
1. Tahap persiapan (2021); 1. Preparation stage (2021);
2. Tahap implementasi awal (2022-2023); 2. Initial implementation stage (2022-2023);
3. Tahap implementasi lanjutan (2024-2025); 3. Advanced implementation phase (2024-2025);
4. Tahap implementasi penuh (2026). 4. Full implementation phase (2026).
8 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 11
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Bagan Roadmap Penerapan Keuangan Berkelanjutan 2021-2026
Roadmap Chart for Implementing Sustainable Finance 2021-2026
Tahap Persiapan Tahap Implementasi Awal Tahap Implementasi Lanjutan Implementasi Penuh
Preparation Phase Initial Implementation Phase Advanced Implementation Phase Full Implementation
2021 2022 2023 2024 2025 2026
Memperkuat enabler Menciptakan
utama keuangan pertumbuhan yang
Tumbuh dan
Fundamental yang berkelanjutan berkualitas untuk produk
berkembang secara
Tema Utama
Key Themes
kuat untuk keuangan antara lain: HR, dan atau jasa keuangan
berkesinambungan
berkelanjutan teknologi, produk, berkelanjutan
berkelanjutan
Establishing the dan sosialisasi Reinforcing Framing
Reinforcing Augmenting
Fundamentals for Reinforcing Enablers in the Quality Growth of
and Proliferating
Sustainable Finance Sustainable Finance: HR, Sustainable Financial
Sustainable Finance
Technology, Products, Products and/or
and Outreach Services
• Pembentukan • Pengembangan • Penyusunan • Inisiasi Portofolio • Penyusunan Mewujudkan
Tim Khusus SDM Untuk Pedoman Internal Produk dan/atau Sistem Penerapan Keuangan
Keberlanjutan Mengelola yang Mendukung Jasa Keuangan Pengawasan Berkelanjutan yang
• Penyusunan Fungsi Keuangan Praktek Ramah Berkelanjutan dan Pelaporan Mampu Mendorong
Major Strategic Initiatives
Inisiatif Strategis Utama
Pedoman Berkelanjutan Lingkungan • Pengembangan Penerapan Pertumbuhan
Perusahaan • Penyusunan dalam Kegiatan SDM Tingkat Keuangan Ekonomi Perusahaan
Keuangan Standar Operasional Lanjut • Penyusunan Secara Berkelanjutan
Berkelanjutan Operasional Perusahaan • Pengembangan Sistem
• Pelaksanaan dan Prosedur • Desain Portofolio Produk Pengelolaan
Edukasi Internal Keuangan Pengembangan dan/atau Jasa Bisnis yang
Perusahaan Berkelanjutan Inovasi Produk Keuangan Terintegrasi
• Implementasi • Pengembangan dan/atau Jasa • Pelaksanaan Antara
Target dan Sistem Teknologi Keuangan Edukasi Klien Komponen
Alokasi Dana Pelaporan Berkelanjutan Terkait Produk Lingkungan
Tanggung Jawab Keuangan dan/atau Jasa Hidup, Sosial, dan
Sosial dan Berkelanjutan Keuangan Tata kelola dalam
Lingkungan • Pelaksanaan Berkelanjutan Pengelolaan
(TJSL) Edukasi Eksternal Risiko
• Initiation of • Human Resource • Internal • Initiation of • Financial Realizing the
a Special Development Guidelines Sustainable Implementation Implementation of
Sustainability to Manage Supporting Financial Monitoring and Sustainable Finance
Team Sustainable Environmentally Products and/or Reporting System that is Capable
• Formulation of Financial Friendly Practices Service Portfolios Compilation of Encouraging
the Company Functions in the Company’s • Advancement of • Integrated Sustainable
Guidelines on • Operational Operational HR Development Business Economic Growth in
Sustainable Standards and Arrangements • Expansion of Management the Company
Finance Sustainable • Design and the Portfolio System for
• Implementation Finance Development of Financial Environmental,
of the Company’s Procedures of Sustainable Products and/or Social, and
Internal Groundwork Financial Services Governance
Education • Sustainable Products and/ • Client Education Components
Program Financial or Service Related to in Risk
• Targets and Reporting Innovations Funding Products Management
Allocations Technology for Sustainable Compilation
for Social and System Buildout Financial • Actualising the
Environmental • Implementation Services Sustainable
Responsibility of External Finance
Funds (TJSL) Education Implementation
to Encourage
the Company’s
Sustainable
Economic Growth
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 9
Page 12
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Kontribusi Terhadap Tujuan Pembangunan Berkelanjutan (TPB) [GRI 2-25]
Contribution to the Sustainable Development Goals (SDGs) [GRI 2-25]
Tugu Insurance terus secara aktif berperan dalam Tugu Insurance actively plays a role in supporting
mendukung pembangunan berkelanjutan di Indonesia. sustainable development in Indonesia. This contribution is
Kontribusi tersebut antara lain tercermin dalam berbagai reflected in various activities that promote a environmental
aktivitas yang mendukung program pelestarian lingkungan conservation program, enhance safety, and strengthen
hidup, meningkatkan keselamatan, dan memperkuat community well-being. This also reinforces Tugu Insurance’s
kesejahteraan masyarakat. Hal ini juga memperkuat commitment to supporting government initiatives in
komitmen Tugu Insurance dalam mendukung inisiatif achieving the Sustainable Development Goals (SDGs) in
pemerintah terkait pencapaian Tujuan Pembangunan accordance with Presidential Regulation No. 111 of 2022.
Berkelanjutan (TPB) sesuai dengan Peraturan Presiden
nomor 111 tahun 2022.
Tugu Insurance mewujudkan kontribusinya dalam Tugu Insurance realizes its contribution to sustainable
pencapaian tujuan pembangunan berkelanjutan melalui development through Bakti Tugu program, which consists
program Bakti Tugu yang terdiri dari empat pilar utama: of four main pillars: Service for Health and Safety, Service
Bakti untuk Kesehatan dan Keselamatan, Bakti untuk for the Environment, Service for Education and Financial
Lingkungan Hidup, Bakti untuk Pendidikan dan Literasi Literacy, and Service for Community Empowerment.
Keuangan, dan Bakti untuk Pemberdayaan Masyarakat. Additionally, Tugu Insurance’s several products and
Selain itu, sejumlah produk dan layanan Tugu Insurance services are also focused on activities categorized under
juga difokuskan pada aktivitas yang sesuai dengan Sustainable Business Activities (KKUB). In general, these
Kategori Kegiatan Usaha Berkelanjutan (KKUB). Secara contributions can be outlined as follows:
garis besar, kontribusi tersebut dapat dijelaskan
sebagai berikut:
Tabel Kontribusi terhadap Pencapaian TPB Tahun 2024
Table of Contribution to SDG Achievement in 2024
Pilar/Produk/Layanan Jenis Kegiatan TPB
No
Pillars/Products/Services Type of Activity SDGs
1 Bakti untuk Kesehatan dan Tugu Insurance ingin ikut berkontribusi dalam TPB#1 Tanpa Kemiskinan
Keselamatan menghadirkan kehidupan yang sehat, mengutamakan TPB#3 Kehidupan Sehat dan Sejahtera
Service for Health and Safety keselamatan dan mendorong kesejahteraan bagi
masyarakat. SDG#1 No Poverty
SDG#3 Healthy and Prosperous Life
Program Bakti untuk Kesehatan dan Keselamatan
meliputi:
• Pembangunan fasilitas air bersih di Gunungkidul
Yogyakarta;
• Jumbara bersama PMI Jakarta Pusat;
• Bantuan teman disabilitas Tuna Ganda;
• Ambulance gratis Tugu Insurance;
• Pemberian kaki palsu kepada Tuna Daksa;
• Donor darah; dan
• Bantuan untuk teman disabilitas YPLB Nusantara.
Tugu Insurance aims to contribute to providing
a healthy life, prioritizing safety, and promoting
community well-being.
The Service for Health and Safety program includes:
• Construction of clean water facilities in
Gunungkidul, Yogyakarta;
• Jumbara with PMI of Central Jakarta;
• Assistance for friend with multiple disabilities;
• Free ambulance service by Tugu Insurance;
• Provision of prosthetic legs for person with physical
disabilities;
• Blood donation; and
• Assistance for friends with disabilities at YPLB
Nusantara.
10 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 13
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Tabel Kontribusi terhadap Pencapaian TPB Tahun 2024
Table of Contribution to SDG Achievement in 2024
Pilar/Produk/Layanan Jenis Kegiatan TPB
No
Pillars/Products/Services Type of Activity SDGs
2 Bakti untuk Lingkungan Hidup Tugu Insurance memberikan dukungan terhadap TPB#6 Air Bersih dan Sanitasi Layak
Service for the Environment berbagai aktivitas untuk tercapainya pengelolaan TPB#11 Kota dan Pemukiman Berkelanjutan
sumber daya alam dan lingkungan yang berkelanjutan, TPB#13 Penanganan Perubahan Iklim
serta melakukan kegiatan-kegiatan guna mengatasi TPB#14 Ekosistem Lautan
perubahan iklim beserta dampaknya. TPB#15 Ekosistem Daratan
Program Bakti untuk Lingkungan Hidup meliputi: SDG#6 Clean Water and Sanitation
• Penanaman pohon produktif; SDG#11 Sustainable Cities and Communities
• Penanaman pohon mangrove; SDG#13 Climate Action
• Pembangunan ruang terbuka hijau, SDG#14 Life Below Water
• Partisipasi pada research and development SDG#15 Life on Land
Pembangkit Listrik Tenaga Hibdrida.
Tugu Insurance supports various activities to achieve
sustainable natural resource and environmental
management while also undertaking initiatives to
address climate change and its impacts.
The Service for the Environment program includes:
• Planting productive trees;
• Planting mangrove trees;
• Developing green open spaces;
• Participation in research and development of hybrid
power plants.
3 Bakti untuk Pendidikan dan Tugu Insurance mendukung peningkatan kualitas TPB#4 Pendidikan Berkualitas
Literasi Keuangan pendidikan yang inklusif dan merata serta TPB#5 Kesetaraan Gender
Service for Education and meningkatkan kesempatan belajar untuk masyarakat. TPB#8 Pekerjaan Layak dan Pertumbuhan
Financial Literacy Ekonomi
Program Bakti untuk Pendidikan meliputi: TPB#10 Berkurangnya Kesenjangan
• Program beasiswa Argracitra untuk mahasiswa;
• Beasiswa dalam program Bekerja dan Belajar; SDG#4 Quality Education
• Pembangunan sarana dan prasarana pendidikan; SDG#5 Gender Equality
• Webinar pendidikan dan literasi keuangan untuk SDG#8 Decent Work and Economic Growth
mahasiswa dan masyarakat umum. SDG#10 Reduced Inequalities
Tugu Insurance supports the improvement of
inclusiveness and equitable education quality while
enhancing learning opportunity for the community.
The Service for Education program includes:
• Argracitra scholarship program for university
students;
• Scholarships under the Work and Learn program;
• Development of educational facilities and
infrastructure;
• Educational and financial literacy webinars for
students and the public.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 11
Page 14
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Tabel Kontribusi terhadap Pencapaian TPB Tahun 2024
Table of Contribution to SDG Achievement in 2024
Pilar/Produk/Layanan Jenis Kegiatan TPB
No
Pillars/Products/Services Type of Activity SDGs
4 Bakti untuk Pemberdayaan Tugu Insurance ingin berperan aktif dalam tercapainya TPB#1 Tanpa Kemiskinan
Masyarakat pertumbuhan ekonomi berkualitas melalui TPB#2 Tanpa Kelaparan
Service for Community keberlanjutan peluang kerja dan usaha. TPB#8 Pekerjaan Layak dan Pertumbuhan
Empowerment Ekonomi
Program Bakti untuk Pemberdayaan Masyarakat TPB#10 Berkurangnya Kesenjangan
meliputi:
• Pendidikan dan pelatihan kelompok tani; SDG#1 No Poverty
• Pemberdayaan disabilitas; SDG#2 Zero Hunger
• Pelatihan pengelolaan sampah organik. SDG#8 Decent Work and Economic Growth
SDG#10 Reduced Inequalities
Tugu Insurance seeks to play an active role in
achieving quality economic growth through sustainable
employment and business opportunities.
The Service for Community Empowerment Program
includes:
• Education and training for farmer groups;
• Empowerment of individuals with disabilities;
• Training on organic waste management.
5 Bantuan Sosial, Keagamaan, • Program Rumah Tahfiz, Bantuan untuk Lembaga TPB#1 Tanpa Kemiskinan
dan Seni Budaya Pendidikan Tahfiz, Perbaikan Sarana dan Prasarana TPB#2 Tanpa Kelaparan
Social, Religious, and Belajar Lembaga Pendidikan Tahfidz
Cultural Arts Assistance • Bakti Sosial Ramadhan dan Iduladha 1445 H SDG#1 No Poverty
• Donasi Umrah untuk masyarakat kurang mampu SDG#2 Zero Hunger
• Partisipasi Kegiatan Seminar Perubahan Iklim
• Pentas Seni Pancawarna
• Tahfiz House program, Assistance for Tahfidz
Education Institution and Improvement of Learning
Facilities and Infrastructure at Tahfidz Educational
Institution
• Ramadan and Eid al-Adha 1445 H Social Charity
• Umrah donation for underprivileged people
• Participation in Climate Change Seminar
• Pancawarna Arts Performance
12 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 15
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Tabel Kontribusi terhadap Pencapaian TPB Tahun 2024
Table of Contribution to SDG Achievement in 2024
Pilar/Produk/Layanan Jenis Kegiatan TPB
No
Pillars/Products/Services Type of Activity SDGs
6 Layanan Aplikasi t friends Aplikasi t friends digunakan untuk memudahkan TPB#3 Kehidupan Sehat dan Sejahtera
t friends Application Service tenaga pemasaran Tugu Insurance, baik yang berasal TPB#8 Pekerjaan Layak dan Pertumbuhan
dari internal (marketing officer) maupun eksternal Ekonomi
(agen Tugu Insurance), dalam memasarkan produk TPB#11 Kota dan Komunitas Berkelanjutan
Asuransi Tugu Insurance. Aplikasi ini merupakan solusi TPB#13 Penanganan Perubahan Iklim
yang ramah lingkungan dan rendah emisi karena
berbasis teknologi dan internet. SDG#3 Healthy and Prosperous Life SDG#8
The t friends application is designed to facilitate Decent Work and Economic Growth
Tugu Insurance's marketing personnel, both internal SDG#11 Sustainable Cities and Communities
(marketing officers) and external (Tugu Insurance SDG#13 Climate Action
agents), in promoting insurance products. This
application is an eco-friendly and low-emission solution
as it is technology- and internet-based.
7 Penerapan Tata Kelola Penerapan prinsip tata kelola yang efektif dilaksanakan TPB#16 Perdamaian, keadilan, dan
Perusahaan yang Baik secara berkelanjutan dengan memastikan kelengkapan kelembagaan yang kuat
Implementation of Good kebijakan dan Standar Operasional Prosedur (SOP),
Corporate Governance sosialisasi dan evaluasi, pengendalian internal dan SGD#16 Peace, Justice and Strong
manajemen risiko yang handal, penegakan kode Institutions
etika dan perilaku melalui SMAP penerapan Audit
surveillance.
The implementation of effective governance principles
is carried out sustainably by ensuring comprehensive
policies and Standard Operating Procedures (SOPs),
socialization and evaluation, reliable internal
control and risk management, enforcement of the
code of ethics and code of conduct through SMAP
implementation Audit surveillance.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 13
Page 16
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
14 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 17
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 15
Page 18
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspect Perfomance Highlights
Aspek Ekonomi [OJK B.1]
Economic Aspects [OJK B.1]
Uraian Satuan
2024 2023* 2022*
Description Unit
a. Kuantitas Kegiatan 2 (dua) usaha: 2 (dua) usaha: 2 (dua) usaha:
Produksi atau Usaha • Asuransi • Asuransi • Asuransi
Jasa yang Dijual Business Konvensional Konvensional Konvensional
Quantity of Activities • Asuransi • Asuransi • Asuransi
Production or Syariah Syariah Syariah
Services Sold
2 (two) 2 (two) 2 (two)
businesses: businesses: businesses:
• Conventional • Conventional • Conventional
Insurance Insurance Insurance
• Sharia • Sharia • Sharia
Insurance Insurance Insurance
b. Pendapatan* Miliar
Revenues* Rupiah
3.933 3.591 3.094
Billion
Rupiah
c. Laba atau Rugi Miliar
Bersih Rupiah
751 1.302 395
Net Income or Billion
Loss Rupiah
d. Jumlah Produk • Asuransi Asuransi mobil Asuransi mobil
Produk Ramah Products mobil listrik Listrik Listrik
Lingkungan ** • Asuransi Electric vehicle Electric vehicle
Number of solar panel insurance insurance
Eco-Friendly • Asuransi
Products** sumur
geothermal
• Electric
vehicle
insurance
• Solar panel
insurance
• Geothermal
well
insurance
e. Jumlah Pemasok
Lokal*** Perusahaan
129 98 97
Number of Local Companies
Suppliers***
*) Data Konsolidasian
*) Consolidated Date
**) Penyaluran kredit terhadap Kegiatan Usaha Berkelanjutan (KUB)
**) Distribution of loans for Sustainable Business Activities (KUB)
***) Data Induk Perusahaan
***) Parent Company Data
16 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 19
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Aspek Lingkungan Hidup [OJK B.2]
Environmental Aspects [OJK B.2]
Uraian Satuan
2024 2023 2022
Description Unit
a. Penggunaan Energi*
GigaJoule 2.435 2.507 1.810
Energy Consumption*
1. Penggunaan Listrik [E-03]
kWH 274.533 252.116 261.112
Electricity Consumption [E-03]
GigaJoule 988 907 940
2. Penggunaan BBM*
Fuel Consumption*
Pertamax Turbo Liter 20.368 19.217 1.201
Pertamax Liter 20.230 23.891 21.937
Pertamina Dex Liter 2.978 4.942 2.954
GigaJoule 1.447 1.600 870
3. Penggunaan Air*[E-04]
M3 6.928 27.064 22.894
Water Consumption*[E-04]
Liter 6.928.000 27.064.000 22.894.000
b. Selisih Penambahan (Pengurangan) Emisi [E-01]
Difference in Addition (Reduction) of Emissions [E-01]
1. Emisi GRK Cakupan 1 (BBM)
KgCO2eq (11.493) 50.973 (4.158)
Direct (Scope 1) GHG Emissions
2. Emisi GRK Cakupan 2 (Listrik)
KgCO2eq 20.937 (8.403) 20.086
Indirect (Scope 2) GHG Emissions
3. Emisi GRK Cakupan 3 (Pesawat)
KgCO2eq 18.106 29.509 6.116
Scope 3 GHG Emissions (Aircraft)
c. Penambahan (Pengurangan) Limbah dan
Efluen*[E-05] Ton
78,83 77,71 16,71
Addition (Reduction) of Waste and Tons
Effluents*[E-05]
d. Pelestarian Keanekaragaman Hayati
Biodiversity Conservation
1. Penanaman Pohon Pohon
10.950 2.600 21.500
Tree Planting Trees
2. Dana Pelestarian Alam Juta Rupiah
Nature Conservation Funds Millions of 581 365 200
Rupiah
*Perhitungan pada kantor pusat, penurunan pemakaian air ditahun 2024 secara signifikan disebabkan oleh adanya himbauan penghematan air di
lingkungan perkantoran Tugu Insurance.
*Calculation at the head office, showing a significant decrease in water usage in 2024, was due to the appeal to save water in Tugu Insurance’s office
environment.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 17
Page 20
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Aspek Sosial [OJK B.3]
Social Aspects [OJK B.3]
Uraian Satuan
2024 2023 2022
Description Unit
a. Kontribusi terhadap masyarakat melalui Bakti Tugu sebagai berikut:
Contribution to society through Bakti Tugu:
1. Pilar Kesehatan & Keselamatan Juta Rupiah
464* 460* 204
Health & Safety Pillar Million Rupiah
2. Pilar Pendidikan & Literasi
Juta Rupiah
Keuangan** 804* 2.839* 156
Million Rupiah
Education & Financial Literacy Pillar**
3. Pilar Lingkungan Hidup (mencakup
program pelestarian keanekaragaman
hayati/pelestarian alam dan program
pengelolaan lingkungan hidup) Juta Rupiah
581* 100 362
Environment Pillar (includes Million Rupiah
biodiversity conservation/nature
conservation programs and
environmental management programs)
4. Pilar Pemberdayaan Masyarakat Juta Rupiah
243* 254 49
Community Empowerment Pillar Million Rupiah
Total Kontribusi Bakti Tugu Juta Rupiah
2.563* 3.653* 771
Total Contribution of Bakti Tugu Million Rupiah
b. Jumlah Pelanggaran terhadap Peraturan
terkait Sosial Ekonomi Kasus Nihil Nihil Nihil
Number of Violations of Socio-economic- Case Nil Nil Nil
related Regulations
c. Dampak Positif Pengembangan Program yang diimplementasikan melalui 4 (empat) Pilar Bakti Tugu saling berkaitan. Program
Kemasyarakatan pelestarian alam yang termasuk dalam pilar lingkungan hidup tidak hanya memberikan dampak
Positive Impacts on Community positif terhadap lingkungan, namun dengan adanya penanaman pohon, kelompok tani dan
Development kelompok masyarakat turut diberdayakan sehingga manfaat ekonomi juga dapat dirasakan.
Program kesehatan dan keselamatan memberikan kemudahan akses kepada masyarakat
luas khususnya masyarakat kurang mampu dalam mendapatkan penanganan. Sementara itu,
Perseroan juga berkontribusi dalam memberikan bantuan pendidikan dan literasi atau edukasi
keuangan bagi masyarakat luas tentang pengenalan produk asuransi, perencanaan keuangan
serta edukasi terhadap asuransi.
Hal ini dilaksanakan dengan tujuan agar masyarakat kelak dapat memberdayakan diri dan dapat
meningkatkan taraf hidup didukung oleh literasi keuangan yang baik serta aspek lingkungan
yang memadai.
The programs held through the 4 (four) Pillars of Bakti Tugu are interrelated. The nature
conservation program included in the environmental pillar not only has a positive impact on
the environment, but with the planting of trees, farmer groups and community groups are also
empowered, and thus, receiving economic benefits. The health and safety Program provides easy
access to the wider community, especially the underprivileged, in getting treatment. Meanwhile,
the Company also contributes in providing educational assistance and literacy or financial
education for the wider community about the introduction of insurance products, financial
planning, and education on insurance.
This is carried out with the aim that in the future the communities can empower themselves and
improve their standard of living supported by good financial literacy and adequate environmental
aspects.
18 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Uraian Satuan
2024 2023 2022
Description Unit
d. Dampak Negatif Operasi Perusahaan Secara umum, bidang usaha perusahaan di industri asuransi tidak memberikan dampak negatif
Negative Impacts of the Company’s terhadap masyarakat. Namun, perusahaan hadir untuk menawarkan alternatif solusi pengelolaan
Operations risiko bagi masyarakat maupun korporasi melalui produk dan layanan asuransi umum baik yang
berbasis konvensional maupun syariah di segmentasi bisnis korporasi dan ritel.
In general, the Company's business field in the insurance industry does not have a negative
impact on the community. Nevertheless, the Company is here to offer alternative risk
management solutions for the community and corporations through general insurance products
and services, both conventional and sharia-based, in the corporate and retail business
segments.
e. Upaya Penanganan Dampak Negative Perusahaan memberikan kemudahan dan akses informasi produk dan layanan asuransi,
Efforts to Handle Negative Impacts jaringan, sosial media, hot line call center 24/7, ketersediaan fitur dan platform aplikasi/layanan
yang sesuai dengan kebutuhan masyarakat, serta kecepatan dan kemudahan pembelian produk
asuransi umum.
The Company provides convenience and access to information on insurance products and
services, networks, social media, 24/7 hotline call centers, availability of features and
application/service platforms that suit community needs, as well as speed and ease of
purchasing general insurance products.
*) Total anggaran kegiatan TJSL yang bersumber dari fungsi kerja Corporate Secretary (Government, PR & CSR Dept) dan Human Capital Management.
*) Total budget for CSR activities from Corporate Secretary (Government, PR & CSR Dept.) and Human Capital Management.
**) Penurunan alokasi dana kegiatan pilar pendidikan dan literasi keuangan yang signifikan di tahun 2024 disebabkan oleh adanya pengurangan alokasi
anggaran program beasiswa dan belajar dari Human Capital Management (HCM).
**) The significant decrease in allocation of funds for education and financial literacy pillar activities in 2024 was due to a reduction in the budget
allocation for scholarship and learning programs from Human Capital Management (HCM).
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 19
Page 22
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
20 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 23
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 21
Page 24
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Penjelasan Direksi
Explanation From the Board of Directors
Tugu Insurance turut
berkontribusi dalam
pencapaian pencapaian
pembangunan berkelanjutan
melalui program keuangan
berkelanjutan dan program
Tanggung Jawab Sosial dan
Lingkungan (TJSL) berupa
program “Bakti Tugu”
(Bersatu Aksi Kepedulian
Tugu Insurance).
Tugu Insurance also contributes
in achieving sustainable
development through sustainable
finance programs and Social and
Environmental Responsibility (TJSL)
programs in the form of “Bakti Tugu”
(Bersatu Aksi Kepedulian/United
Action of Caring of Tugu Insurance)
program.
Tatang Nurhidayat
Presiden Direktur
President Director
22 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 25
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Pemegang saham dan pemangku kepentingan yang Dear honorable Shareholders and Stakeholders,
kami hormati,
Dengan mengucap syukur kepada Tuhan yang Maha Esa, With gratitude to the Almighty God, we are honored to
pada kesempatan ini kami mewakili manajemen dapat once again present the Sustainability Report for the 2024
kembali menyampaikan Laporan Keberlanjutan untuk reporting period on behalf of the management. This report
periode pelaporan 2024, yang berisi pencapaian serta highlights Tugu Insurance’s achievements and performance
kinerja Tugu Insurance dalam menjalankan prinsip-prinsip in implementing sustainability principles across all aspects
keberlanjutan dalam keseluruhan aspek kegiatan bisnis. of its business activities.
Tugu Insurance akan senantiasa berperan aktif dalam Tugu Insurance is committed to actively developing financial
mengembangkan produk dan layanan keuangan yang products and services that support environmentally friendly
mendukung aktivitas ekonomi yang ramah lingkungan, economic activities in line with environmental, social, and
yang sesuai dengan prinsip-prinsip lingkungan, sosial, governance (ESG) principles to deliver the greatest benefits
dan tata kelola (LST atau ESG), sehingga dapat to stakeholders, protect the environment, and ensure a
memberikan manfaat terbaik bagi pemangku kepentingan, sustainable future for the future generations.
lingkungan, serta menjamin masa depan yang baik untuk
generasi mendatang.
Lebih lanjut, sebagai bentuk tanggung jawab sosial dan Furthermore, as a form of social responsibility and
bakti kepada negara, Tugu Insurance turut berkontribusi dedication to the country, Tugu Insurance actively
dalam pencapaian pembangunan berkelanjutan melalui contributes to sustainable development through
program keuangan berkelanjutan dan program Tanggung sustainable finance programs and the Social and
Jawab Sosial dan Lingkungan (TJSL) berupa program Environmental Responsibility (CSR) program, known as
“Bakti Tugu” (Bersatu Aksi Kepedulian Tugu Insurance). Bakti Tugu (Bersatu Aksi Kepedulian Tugu Insurance). We
kami merangkum dan menyampaikan berbagai kontribusi have compiled and presented various contributions to
Perseroan terhadap pembangunan nasional dan TPB dalam national development and the Sustainable Development
laporan keberlanjutan selama tahun 2024. Goals (SDGs) in the 2024 Sustainability Report.
KEBIJAKAN MERESPON TANTANGAN DALAM STRATEGI KEBERLANJUTAN [OJK D.1a]
POLICIES IN RESPONDING CHALLENGES IN SUSTAINABLE STRATEGY [OJK D.1a]
Penerapan keuangan berkelanjutan merupakan sebuah The implementation of sustainable finance is a long journey
perjalanan panjang yang tidak akan terlepas dari that is inseparable from various challenges. However,
berbagai tantangan. Namun, implementasi prinsip-prinsip adopting sustainability (ESG) principles is deemed to have
keberlanjutan (LST) diyakini memberikan dampak positif a positive impact on all industries, including insurance,
terhadap seluruh industri termasuk asuransi, baik dari in terms of financially and public perception. In recent
segi finansial maupun citra publik. Dalam beberapa tahun years, companies with high ESG ratings have shown better
terakhir, tercatat bahwa perusahaan dengan nilai LST yang investment performance and profitability. As such, the
tinggi cenderung memiliki kinerja investasi dan profitabilitas Company has adopted ESG as a long-term performance
yang lebih baik. Untuk itu, Perseroan menjadikan LST standard to ensure future business sustainability.
sebagai standar kinerja jangka panjang demi keberlanjutan
bisnis di masa depan.
Nilai keberlanjutan yang dimiliki Sustainability Values Owned
Tugu Insurance memiliki nilai keberlanjutan yang akan Tugu Insurance upholds sustainability values that will
terus diterapkan sepanjang bakti perusahaan kepada continue to be implemented throughout the Company’s
masyarakat, bangsa dan negara. Nilai keberlanjutan service to the society, the nation, and the country. These
berkembang bersama dengan tantangan dan peluang sustainability values evolve alongside the challenges
yang hadir dari setiap perubahan dalam aspek lingkungan, and opportunities arising from changes in environmental,
sosial, dan tata kelola (LST). Nilai-nilai keberlanjutan yang social, and governance (ESG) aspects. The Company’s
dimiliki perusahaan berpusat pada aspek ekonomi, sosial, sustainability values are focused on economic, social, and
dan lingkungan. environmental aspects.
Dalam Aspek Ekonomi, perusahaan mengoperasikan In the Economic Aspect, the Company operates its
layanan bisnis secara transparan dan akuntabel. Selain business services with transparency and accountability.
itu, perusahaan juga terus melakukan inovasi pada The Company also consistently innovates sustainable
produk dan layanan yang berkelanjutan. Dalam Aspek products and services. In the Social Aspect, the Company
Sosial, perusahaan menjunjung tinggi kesejahteraan upholds well-being and inclusivity for all individuals, not only
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 23
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01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
dan inklusivitas bagi setiap insan, tidak hanya bagi for employees but also for the wider community. Through
karyawan namun juga bagi masyarakat luas. Perusahaan its Corporate Social and Environmental Responsibility
berkomitmen melalui program-program TJSL yang (CSR) programs, known as Bakti Tugu, the Company is
dinamakan Bakti Tugu untuk memberikan manfaat committed to providing broad benefits for all stakeholders,
yang luas bagi seluruh stakeholder sehingga dapat thereby improving the beneficiaries’ life quality. In term of
meningkatkan kualitas hidup bagi para penerima Environmental Aspect, the Company strives to minimize the
manfaatnya. Dalam Aspek Lingkungan, perusahaan negative impact of environmental degradation.
melakukan upaya untuk meminimalisir dampak negatif dari
kerusakan lingkungan.
Perubahan yang cepat menjadikan Tugu Insurance The dynamic pace of change motivates Tugu Insurance
terus memperkuat kinerja terbaik dalam mewujudkan to consistently enhance its performance in achieving
keuangan berkelanjutan. Tugu Insurance melalui nilai- sustainable finance. Through its core values, Tugu
nilai utama, berkomitmen untuk menerapkan prinsip Insurance is committed to implementing sustainable
keuangan berkelanjutan dan nilai keberlanjutan. Sebagai finance principles and sustainability values. As a subsidiary
anak usaha dari PT Pertamina (Persero), Tugu Insurance of PT Pertamina (Persero), Tugu Insurance also upholds
turut menerapkan prinsip AKHLAK (Amanah, Kompeten, AKHLAK principles (Amanah/Trustworthy, Kompeten/
Harmonis, Loyal, Adaptif dan Kolaboratif). Nilai dan Competent, Harmonis/Harmonious, Loyal/Loyal, Adaptif/
prinsip ini diwujudkan melalui berbagai kebijakan untuk Adaptive, and Kolaboratif/Collaborative). These values and
menanggapi dan beradaptasi di tengah tantangan principles are embedded in various policies to respond and
dan peluang. adapt to challenges and opportunities.
Nilai-nilai tersebut juga terintegrasi dalam proses These values are also integrated into the process of
penetapan Rencana Jangka Panjang Perusahaan (RJPP), determining the Company’s Long-Term Plan (RJPP), the
Rencana Kerja dan Anggaran Perusahaan (RKAP) dan Company’s Work Plan and Budget (RKAP), and corporate
tata nilai budaya Perusahaan, sehingga implementasinya cultural values, ensuring measurable and regularly
terukur dan terevaluasi secara berkala melalui strategi evaluated implementation through business strategies
bisnis dan Key Performance Indicators (KPI). Selain itu, and Key Performance Indicators (KPI). Additionally, the
dalam pelaksanaannya didukung dengan penerbitan implementation is supported by the issuance of various
berbagai Standard Operating Procedure (SOP), Pedoman Standard Operating Procedures (SOPs), Work Guidelines,
Kerja, dan sebagainya guna memastikan seluruh aspek and other policies to ensure all operational aspects are
operasional serta menciptakan strategi bisnis baik jangka aligned and to develop both short- and long-term business
pendek maupun jangka panjang yang selaras dengan strategies that align with the sustainability aspects the
aspek-aspek keberlanjutan yang ingin dicapai. Company aims to achieve.
Respon terhadap Isu-isu Keberlanjutan dan Response to Sustainability Issues and
Keuangan Berkelanjutan Sustainable Finance
Sebagai perusahaan yang bergerak dalam bidang As a company operating in the insurance sector, the
asuransi, isu berkelanjutan yang dihadapi merupakan isu Company faces sustainability issues that can affect its
yang dapat mempengaruhi operasional jangka panjang long-term operations, such as climate change and its
Perseroan, seperti permasalahan perubahan iklim dan negative impacts, which can lead to an increase in the
dampak negatif yang muncul dapat menyebabkan adanya intensity of natural disasters. This, in turn, affects the
peningkatan intensitas bencana alam. Hal ini tentu rising risk factors that influence the Company’s insurance
akan mempengaruhi meningkatnya faktor risiko yang claims. On the other hand, Tugu Insurance also faces
berpengaruh terhadap klaim yang dimiliki oleh Perseroan. the challenge of enhancing financial literacy awareness,
Di satu sisi, Tugu Insurance juga memiliki tantangan which plays a crucial role in improving public welfare and
tersendiri untuk meningkatkan pemahaman akan fostering awareness of the importance of having insurance.
pentingnya literasi keuangan, dimana akan berpengaruh In line with this awareness, the government continues
terhadap kesejahteraan masyarakat dan dapat mendorong to encourage insurance companies to implement ESG
kesadaran pentingnya memiliki asuransi. Sejalan dengan (Environmental, Social, Governance) principle that requires
kesadaran tersebut, Pemerintah juga terus mendorong businesses to ensure that their operations contribute to
perusahaan asuransi untuk menerapkan Prinsip ESG social and environmental sustainability.
(Environmental, Social, Governance) sehingga perusahaan
perlu memastikan bahwa bisnis yang dijalankan turut
mendukung keberlanjutan sosial dan lingkungan.
Tugu Insurance telah melakukan langkah keberlanjutan Tugu Insurance has undertaken sustainability initiatives
baik yang dilakukan di internal maupun yang ditujukan both internally and externally. Internally, the Company
ke eksternal Perseroan. Secara internal, Tugu Insurance implements strategies aimed at supporting the
24 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 27
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
berusaha melakukan strategi yang bertujuan untuk achievement of the Sustainable Development Goals
mendukung pemenuhan TPB/SDGs. Selain itu, Perseroan (SDGs). Moreover, Tugu Insurance continuously educates
terus mengedukasi serta mengajak keterlibatan karyawan and encourages employee participation in activities that
untuk berpartisipasi dalam aktivitas yang mendukung contribute to these goals. Externally, the Company engages
pencapaian TPB tersebut. Perseroan juga melakukan in various sustainability initiatives involving stakeholders,
berbagai aktivitas keberlanjutan yang melibatkan such as reforestation programs, financial literacy education,
eksternal perusahaan atau pemangku kepentingan, baik providing access to clean water facilities, and inclusive
berupa reforestasi, edukasi literasi keuangan, bantuan programs for people with disabilities. These efforts further
fasilitas sarana air bersih, hingga program inklusif bagi strengthen the Company’s commitment to supporting the
para disabilitas. Hal tersebut memperkuat dukungan achievement of the SDGs.
Perusahaan terhadap pencapaian TPB.
Komitmen, Pencapaian, dan Tantangan Commitment, Achievement, and Challenges
Penerapan Keberlanjutan dan Keuangan in the Implementation of Sustainability and
Berkelanjutan Sustainable Finance
Keberhasilan Tugu Insurance dalam penerapan keuangan Tugu Insurance’s success in implementing sustainable
berkelanjutan tidak dapat lepas dari komitmen dari finance is inseparable from the commitment of the
Manajemen dan setiap lini organisasi pada Perseroan. Management and every level of the organization. This
Komitmen tersebut dituangkan dalam beberapa target, commitment is outlined through various targets, strategies,
strategi dan inisiatif keberlanjutan dalam Rencana Aksi and sustainability initiatives in the Sustainable Finance
Keuangan Berkelanjutan (RAKB). Strategi serta inisiatif- Action Plan (RAKB). The Company’s sustainability strategies
inisiatif keberlanjutan dan keuangan berkelanjutan yang and initiatives in sustainable finance are designed to
dilaksanakan Perseroan akan bermuara pada pencapaian achieve its long-term and ongoing commitments. Naturally,
komitmen jangka panjang dan berkelanjutan yang telah overcoming challenges along the journey requires
ditetapkan. Tentunya dalam menghadapi tantangan dalam collaboration with all relevant stakeholders.
perjalanan mencapai komitmen tersebut diperlukan
kolaborasi dengan seluruh pemangku kepentingan terkait.
Bentuk komitmen lainnya, secara rutin jajaran manajemen As another form of commitment and part of transparency
juga melaporkan dan menyampaikan aktivitas keberlanjutan efforts, the management team also regularly reports and
kepada regulator, induk perusahaan, dan investor melalui communicates sustainability activities to regulators, the
berbagai media pelaporan sebagai bagian dari transparansi parent company, and investors through various reporting
serta sekaligus untuk mendapatkan masukan/saran channels, while also an attempt to receive feedback and
perbaikan dari para pemangku kepentingan. Manajemen suggestions for improvement from stakeholders. The
juga mengalokasikan anggaran khusus guna melakukan management also allocates a dedicated budget to support
berbagai program dukungan dan inisiatif keberlanjutan various sustainability programs and initiatives aimed at
untuk pencapaian TPB. achieving the Sustainable Development Goals (SDGs).
Namun demikian, Perseroan juga dihadapkan pada Nonetheless, the Company also faces several challenges,
beberapa tantangan berupa masih perlu ditingkatkannya including the need to further enhance the awareness and
kesadaran dan pemahaman insan Tugu Insurance understanding of Tugu Insurance personnel regarding
terhadap isu keberlanjutan, sehingga masih harus sustainability issues. which requires continuous efforts
terus meningkatkan kompetensi terkait keuangan to enhance competencies related to sustainable finance.
berkelanjutan. Untuk itu, Perseroan perlu melakukan Therefore, the Company needs to implement more
berbagai komunikasi dan edukasi di internal yang lebih intensive internal communication and education to ensure
intensif, untuk memastikan bahwa keuangan berkelanjutan that sustainable finance becomes an integral part of
menjadi bagian dari budaya perusahaan. Selain itu, Tugu its corporate culture. Additionally, Tugu Insurance must
Insurance harus mengembangkan metode pengukuran develop effective measurement and reporting methods to
dan pelaporan yang efektif untuk memantau kemajuan monitor progress in sustainable finance.
keuangan berkelanjutan.
PENERAPAN KEBERLANJUTAN DAN KEUANGAN BERKELANJUTAN [OJK D.1b]
IMPLEMENTATION OF SUSTAINABILITY AND SUSTAINABLE FINANCE [OJK D.1b]
Perseroan terus berupaya untuk mengintegrasikan nilai-nilai The Company strives to integrate sustainability values
dan prinsip keberlanjutan sebagai bagian dari business as and principles as part of its business-as-usual approach,
usual, agar seluruh insan Tugu Insurance dapat memahami ensuring that all Tugu Insurance personnel understand
urgensi dan mengimplementasikan aspek-aspek LST dalam the urgency and implement ESG aspects in their daily
kegiatan sehari-hari. activities.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 25
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01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Dengan upaya-upaya yang telah dilakukan, Tugu Through these efforts, Tugu Insurance has successfully
Insurance mampu merealisasikan berbagai inisiatif- implemented various sustainability initiatives to support
inisiatif keberlanjutan untuk mendukung pencapaian the achievement of optimal performance.
kinerja terbaik.
Pencapaian Kinerja Keberlanjutan Terhadap Achievement of Sustainable Performance on EES
Target ELS dan Tahun sebelumnya Target and Previous Year’s Achievement
Pada aspek ekonomi, Tugu Insurance mulai menerapkan Regarding economic aspect, Tugu Insurance started
PSAK 17 dalam aktivitas bisnis. Hal ini juga sebagai implementing PSAK 17 in its business activities as part of
bagian dari pemenuhan atas regulasi yang berlaku. compliance with applicable regulations. In terms of product
Sementara dari sisi pengembangan produk dan layanan, and service development, Tugu Insurance also expands its
Tugu insurance juga memperluas distribution channel, distribution channels, strengthening excellent customer
memperkuat pemberian pelayanan prima kepada customer, service, and developing various products to enhance the
dan mengembangkan berbagai produk guna meningkatkan Company’s performance.
kinerja perusahaan.
Untuk aspek keuangan, Tugu Insurance berhasil In the financial aspect, Tugu Insurance successfully
meningkatkan kinerja perusahaan dengan pertumbuhan improved its performance with significant gross premium
premi bruto yang signifikan. Selain itu, dengan analisa growth. Through careful analysis, risk-taking decisions
yang cermat, membuat pengambilan risiko dapat were made accurately, further enhancing the Company’s
diambil dengan tepat, sehingga kinerja perusahaan juga performance. In 2024, the Company recorded insurance
meningkat. Pada tahun 2024, Perseroan telah mencatat product performance with gross premium income
kinerja produk asuransi dengan pendapatan premi bruto reaching IDR8.54 trillion, achieving 104.46% of the
mencapai Rp8,54 triliun atau tercapai 104,46% terhadap 2024 target and marking a 10.73% increase compared
target 2024, dan lebih tinggi 10,73% jika dibandingkan to the previous year’s gross premium income of IDR7.71
pendapatan premi bruto tahun sebelumnya sebesar trillion. Total revenue was recorded at IDR3.93 trillion,
Rp7,71 triliun. Adapun total pendapatan tercatat Rp3,93 reaching 103.32% of the 2024 target and increasing by
triliun atau tercapai 103,32% terhadap target 2024, dan 9.52% compared to the previous year’s total revenue
naik 9,52% jika dibandingkan total pendapatan periode of IDR3.59 trillion. Income for the year was recorded at
tahun sebelumnya Rp3,59 triliun. Laba tahun berjalan IDR551.59 billion, achieving 69.44% of the 2024 target,
tercatat Rp551,59 miliar atau tercapai 69,44% terhadap but decreasing by 42.36% compared to the previous year’s
target 2024, dan turun 42,36% dibandingkan laba tahun income for the year of IDR1.30 trillion. This condition
berjalan periode tahun sebelumnya Rp1,30 triliun. Kondisi was caused by one-time revenue from winning a legal
ini disebabkan oleh adanya pendapatan sekali waktu dari case against Citibank N.A in 2023, which had an impact
kemenangan kasus hukum atas Citibank N.A ditahun 2023 on increasing the income for the year, and if issued as
yang berdampak terhadap kenaikan laba tahun berjalan, a comparative figure, the income for the year in 2024
dan jika dikeluarkan sebagai angka pembanding maka experienced a growth of 63%. The Company’s assets
laba tahun berjalan 2024 mengalami pertumbuhan 63%. were recorded at IDR26.35 trillion, an increase of 4.82%
Aset Perusahaan tercatat Rp26,35 triliun, naik 4,82% compared to the total assets of the previous year of
dibandingkan jumlah aset periode tahun sebelumnya IDR25.14 trillion.
Rp25,14 triliun.
Sementara, Perolehan tingkat Risk Based Capital (RBC) Risk-Based Capital (RBC) ratio remained dynamic, reaching
yang tetap dinamis, tercatat mencapai 432% (per 432% (as of December 2024), far exceeding OJK’s
Desember 2024) jauh di atas ketentuan batas minimum minimum requirement of 120%. This reflects the Company’s
OJK yaitu sebesar 120%. Hal ini menunjukkan tingkat strong financial health in managing its insurance business.
kesehatan keuangan Perusahaan yang baik dalam
pengelolaan bisnis asuransi.
Pada aspek lingkungan, Tugu Insurance melalui program In the environmental aspect, Tugu Insurance, through Bakti
Bakti Tugu melakukan penanaman, baik penanaman Tugu program, organizes tree planting initiatives of both
pohon produktif maupun penanaman mangrove. Hal ini productive tree planting and mangrove restoration. This
merupakan sebuah upaya perusahaan dalam mengurangi effort is part of the Company’s commitment to reducing
emisi karbon. Perseroan juga memberikan pelatihan carbon emissions. The Company also provides training
kepada petani dan masyarakat setempat untuk menjaga for farmers and local communities to help protect and
dan melestarikan lingkungan sehingga kedepannya dapat preserve the environment, ensuring that it can generate
memberikan nilai ekonomi yang bermanfaat bagi mereka. future, beneficial economic value. During the reporting
Pada periode pelaporan, Perseroan tidak hanya melakukan period, the Company not only conducted reforestation
reforestasi untuk mendukung Net Zero Emission, namun to support Net Zero Emissions but also encouraged the
26 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 29
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
juga mengajak masyarakat untuk menjalankan program community to participate in the Waste Management
Waste Management, dimana masyarakat diberikan program. Through this initiative, households received
pelatihan pengelolaan sampah rumah tangga untuk training on waste management to help reduce excessive
mengurangi produksi sampah yang berlebihan. Total dana waste production. The total funds distributed in Bakti
yang tersalurkan dalam program Bakti Tugu melalui pilar Tugu program through environmental pillar reached
lingkungan hidup mencapai Rp581 juta. IDR581 million.
Pada aspek sosial, Tugu Insurance melalui program In the social aspect, Tugu Insurance through Bakti
Bakti Tugu melakukan program pemberdayaan kepada Tugu program carries out empowerment programs for
kelompok marginal. Hal ini menunjukan bahwa perusahaan marginalized groups. This shows that the Company
mendukung inklusivitas yang berkelanjutan. Dana yang supports sustainable inclusivity. The funds distributed in
tersalurkan dalam program Bakti Tugu meliputi pilar Bakti Tugu program include the health and safety pillar of
kesehatan dan keselamatan sebesar Rp464 juta, pilar IDR464 million, the education and financial literacy pillar of
Pendidikan dan literasi keuangan sebesar Rp804 juta, dan IDR804 million, and the community empowerment pillar of
pilar pemberdayaan masyarakat sebesar Rp243 juta. IDR243 million.
Sementara untuk aspek tata kelola, Tugu Insurance In term of governance aspect, Tugu Insurance ensures
memastikan seluruh jajaran manajemen dan karyawan that all management and employees adhere to Good
menerapkan prinsip-prinsip GCG saat menjalankan tugas Corporate Governance (GCG) principles in carrying out
dan tanggung jawab dalam mengelola perusahaan. their duties and responsibilities in managing the Company.
Komitmen ini diperkuat dengan penilaian GCG menjadi This commitment is reinforced by incorporating GCG
salah satu ukuran kinerja yang tercakup dalam Key assessment as one of the performance measures within
Performance Indicator (KPI). Perseroan telah patuh the Key Performance Indicators (KPI). The Company
terhadap peraturan perundang-undangan yang berlaku complies with applicable laws and regulations and
dan memenuhi kewajiban kepada pemangku kepentingan. fulfills its obligations to stakeholders. This was further
Hal ini diperkuat dengan hasil penilaian penerapan GCG supported by the 2024 GCG implementation assessment,
tahun 2024 dengan skor sebesar 95,730 dengan predikat which achieved a score of 95.730 with a “Very Good”
“Sangat Baik”. Selain itu, peringkat komposit profil risiko rating. Furthermore, the Company’s individual risk profile
Perseroan secara individu pada periode 31 Desember composite rating for the period of 31 December 2024
2024 adalah Peringkat 2 (dua). Peringkat risiko inheren was Rating 2 (two). The inherent risk rating for the period
pada periode 31 Desember 2024 tergolong Peringkat of 31 December 2024 was categorized as Rating 2
2 (Sedang Rendah), sementara Kualitas Penerapan (Medium Low), while the Risk Management Implementation
Manajemen Risiko (KPMR) pada periode 31 Desember Quality (KPMR) for the period of 31 December 2024
2024 tergolong Peringkat 2 (Agak Kuat). Hal ini berarti was categorized as Rating 2 (Relatively Strong). This
kemungkinan kerugian yang dihadapi selama periode means that the potential loss faced during a certain
waktu tertentu di masa depan untuk tingkat risiko inheren period of time in the future for the inherent risk level is
tergolong rendah. Selain itu, Tugu Insurance juga terus categorized as low. Tugu Insurance also continued to
memperkuat sistem pengendalian internal melalui evaluasi strengthen its internal control system through evaluations
dan penilaian atas sistem yang telah diberlakukan. Hasil and assessments of the existing framework. The results
evaluasi dan penilaian menyimpulkan bahwa kecukupan concluded that the adequacy of internal control system was
sistem pengendalian internal berada pada tingkat at a “Highly Effective” level.
pemenuhan “Sangat Efektif”.
Prestasi dan Tantangan Termasuk Peristiwa Achievement and Challenges Including
Penting Selama Periode Pelaporan Significant Event During the Reporting Period
Tugu Insurance berhasil mempertahankan kinerja Tugu Insurance successfully maintained its outstanding
terbaiknya dan posisinya sebagai perusahaan asuransi performance and position as the best general insurance
umum terbaik di Indonesia dengan predikat Financial company in Indonesia, earning a Financial Strength Rating
Strength Rating A- (Excellent) dan Long-Term Issuer Credit of A- (Excellent) and a Long-Term Issuer Credit Rating of
Rating “a-” (Excellent). Predikat A- (Excellent) pertama “a-” (Excellent). The A- (Excellent) rating was first achieved
kali diraih pada tahun 2016 dan berhasil dipertahankan in 2016 and has been consistently maintained for nine
selama sembilan tahun berturut-turut. Bahkan sejak 2024 consecutive years. Moreover, since 2024, Tugu Insurance
Tugu Insurance menyandang predikat Indonesia National has held the Indonesia National Scale Rating (NSR) of
Scale Rating (NSR) of aaa.ID (Exceptional) hingga tahun aaa.ID (Exceptional), which continues through 2025.
2025 ini. Prestasi ini turut membuktikan kemampuan This achievement further demonstrates Tugu Insurance’s
sustainability finance Tugu Insurance baik dalam skala capability in sustainable finance, both at international and
standar Internasional maupun nasional. national standards.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 27
Page 30
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Selain itu pada periode pelaporan 2024, Perseroan Furthermore, during the 2024 reporting period, the
berhasil menyelenggarakan beberapa kegiatan Company successfully organized several sustainability
keberlanjutan yang melibatkan para karyawan sebagai initiatives involving employees as volunteers. These
volunteer. Kegiatan ini berhasil meningkatkan kesadaran activities effectively enhanced employee awareness and
dan keterlibatan karyawan terhadap issue keberlanjutan. engagement in sustainability issues.
STRATEGI PENCAPAIAN TARGET [OJK D.1c]
TARGET ACHIEVEMENT STRATEGY [OJK D.1c]
Pengelolaan risiko atas penerapan Keuangan Risk Management for the Implementation of
Berkelanjutan (ELS) Sustainable Finance (EES)
Upaya meminimalkan dampak atas risiko diperlukan Efforts to minimize risk impact require comprehensive
melalui pengelolaan risiko secara komprehensif dan and integrated risk management by strengthening the risk
terintegrasi dengan penguatan pada aspek tata kelola governance and internal control. In term of risk governance,
risiko dan pengendalian internal. Terkait tata kelola risiko, the Compliance and Risk Management Directorate is
Direktorat Kepatuhan dan Manajemen Risiko bertanggung responsible for developing and implementing a risk
jawab dalam mengembangkan dan mengimplementasikan management framework while beginning to integrate ESG
kerangka kerja pengelolaan risiko dan mulai aspects into the overall risk management framework.
mengintegrasikan aspek LST ke dalam kerangka kerja
manajemen risiko secara keseluruhan.
Tugu Insurance juga telah mengembangkan sistem Tugu Insurance has also developed a Three Lines of
pengendalian Model Tiga Lini (Three Lines of Model) Model control system in line with international best
sesuai international best practices untuk mengelola issue practices, to manage sustainability issues. The First
keberlanjutan. Tahapan pertama, upaya pengendalian Line of Defense is where risk control efforts are carried
risiko secara first line of defense oleh unit kerja yang out by units that execute business process. The second
melaksanakan proses bisnis. Tahapan kedua, pengendalian phase of the Second Line of Defense is risk control by
risiko secara second line of defense oleh unit kerja yang units that are responsible for risk management and
memiliki fungsi manajemen risiko dan independen dari operate independently from the business process units.
unit kerja yang melaksanakan proses bisnis. Tahapan Third phase is risk control through Third Line of Defense,
ketiga, pengendalian risiko secara third line of defense oleh performed by the internal audit function to ensure
unit kerja yang melaksanakan fungsi audit internal guna effectiveness of risk management activities.
memastikan kegiatan pengendalian risiko dilaksanakan
secara efektif.
Selain itu, Perseroan melibatkan para risk owner untuk Moreover, the Company involves risk owners in identifying
melakukan identifikasi terhadap risiko yang dimiliki setiap the risks inherent in each unit. The risk owners then
unit. Kemudian para risk owner melakukan mitigasi dengan conduct mitigation by analyzing risk treatments for various
menganalisa risk treatment terhadap berbagai risiko yang identified risks. This activity is part of the implementation
dimiliki. Aktivitas ini merupakan bagian dari penerapan of the Three Lines of model.
three lines of model.
Pemanfaatan peluang dan prospek usaha Utilizing business opportunities and prospects
Literasi asuransi dan penetrasi asuransi di masyarakat Insurance literacy and the penetration of insurance
masih cukup rendah. Hal ini menjadi salah satu peluang in society is still relatively low. Providing a valuable
yang baik bagi Perseroan untuk melakukan ekspansi dan opportunity for the Company to expand and capture
mengambil pangsa pasar tersebut. Dalam menyikapi this market share. In response to this opportunity, Tugu
peluang tersebut, Tugu Insurance menentukan pricing Insurance sets a competitive pricing position while ensuring
position yang kompetitif, dengan tetap memberikan value better value and excellent customer services. Additionally,
lebih baik serta pelayanan yang prima bagi para customer. the digital insurance product development and innovation
Sementara itu, dukungan pengembangan dan inovasi provides easier access for consumers through digital
digitalisasi produk asuransi, juga dapat menghadirkan platforms, supported by strengthened IT infrastructure.
kemudahan akses bagi konsumen dengan platform digital
serta penguatan infrastruktur IT lainnya.
Secara bersamaan, Tugu Insurance memiliki kekuatan At the same time, Tugu Insurance has strong financial
dalam kinerja keuangan, sehingga mampu melakukan performance, enabling it to underwrite large risks while
akseptasi pada risiko-risiko yang besar. Namun tentunya ensuring a measured risk analysis. As a subsidiary of
dengan analisis risiko yang terukur. Peluang terbuka a state-owned enterprise (SOE), Tugu Insurance has
28 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 31
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
sebagai salah satu anak perusahaan BUMN, maka Tugu the opportunity to provide protection for the assets
Insurance memiliki kesempatan untuk memberikan of various other state-owned companies. Additionally,
perlindungan untuk aset-aset yang dimiliki oleh berbagai there are still many potential opportunities in the retail
perusahaan BUMN lainnya, ditambah masih banyaknya insurance business that can be explored. Furthermore,
prospek asuransi pada bisnis ritel yang dapat digarap. the development of subsidiaries also supports Tugu
Selain itu, pengembangan pada anak perusahaan Insurance’s overall performance as the parent company.
juga dapat menunjang kinerja Tugu Insurance sebagai
induk perusahaan.
Strategi yang dilakukan oleh Tugu Insurance dalam Tugu Insurance’s strategy for seizing opportunities and
mengambil peluang dan prospek yang ada, serta prospects while strengthening market penetration involves
memperkuat penetrasi ke pasar adalah dengan enhancing various distribution channels. Furthermore,
memperkuat berbagai distribution channel. Selain itu the Company will introduce digital process innovations
Perusahaan akan menghadirkan inovasi proses digital to improve product and service quality for customers.
guna meningkatkan kualitas produk dan layanan kepada The planned launch of a digital platform is part of Tugu
pelanggan. Rencana peluncuran platform digital merupakan Insurance’s transformation to compete in the digital era
bagian dari transformasi Tugu Insurance untuk menghadapi and meet customer needs with more efficient services.
persaingan di era digital dan memenuhi kebutuhan
nasabah dengan layanan yang lebih efisien.
Penjelasan situasi eksternal ELS yang berpotensi Explanation of EES external situations that have
mempengaruhi keberlanjutan the potential to influence sustainability
Faktor-faktor eksternal yang mempengaruhi keberlanjutan External factors affecting sustainability beyond the
di luar kendali Perseroan umumnya berasal dari Company’s control generally stem from global and national
perkembangan ekonomi global dan nasional, kondisi economic developments, natural environmental conditions,
lingkungan alam, sosial, regulasi, dan teknologi. Namun social aspects, regulations, and technology. However, Tugu
demikian, Tugu Insurance berharap agar situasi eksternal Insurance expects that the external situation remains
tetap kondusif dan menjadi dukungan untuk mencapai conducive and supports the achievement of sustainability
target kinerja keberlanjutan dalam mewujudkan TPB. performance targets in realizing the SDGs. In line with this,
Seiring dengan hal tersebut, Perseroan harus memiliki the Company must have the ability to adapt quickly and
kemampuan untuk beradaptasi secara cepat dan tepat dari appropriately to various changes that may occur to remain
berbagai perubahan yang dapat terjadi agar tetap mampu competitive in the long term.
bersaing dalam jangka panjang.
Penutup Closing Remarks
Apresiasi dan ucapan terima kasih kami sampaikan kepada We would like to extend our appreciation and gratitude to
seluruh pemangku kepentingan atas dukungannya dan all stakeholders for their support in building Tugu Insurance
bersama-sama membangun Tugu Insurance. Kami juga together. We would also like to appreciate the performance
mengapresiasi kinerja jajaran manajemen dan seluruh of the management team and all Tugu Insurance personnel
insan Tugu Insurance yang telah membangun perusahaan who have contributed to making the Company a leading
ini menuju perusahaan asuransi terdepan di Indonesia. insurance provider in Indonesia. Such support and trust
Dukungan dan kepercayaan ini menjadi semangat bagi Tugu have served as a motivation for Tugu Insurance to create
Insurance untuk berkarya sekarang bagi masa depan dan value for today and the future, as well as work towards a
menuju Indonesia yang berkelanjutan. sustainable Indonesia.
Jakarta, 27 Maret 2025
Jakarta, 27 March 2025
Atas nama Direksi,
On behalf of the Board of Directors,
Tatang Nurhidayat
Presiden Direktur
President Director
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 29
Page 32
30 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 33
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 31
Page 34
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Tentang Laporan Keberlanjutan
About the Sustainability Report
Tugu Insurance berkomitmen Tugu Insurance is committed to
menerbitkan Laporan Keberlanjutan publishing Sustainability Report
secara konsisten dan lengkap consistently and completely as a form
sebagai bentuk pertanggungjawaban of accountability to stakeholders and
kepada para pemangku kepentingan compliance with Financial Services
dan kepatuhan terhadap Peraturan Authority (OJK) Regulation No. 51/
Otoritas Jasa Keuangan (OJK) No. POJK.03/2017.
51/POJK.03/2017.
Laporan Keberlanjutan ini juga This Sustainability Report also serves
menjadi media komunikasi bagi Tugu as a communication medium for Tugu
Insurance untuk menyampaikan Insurance to convey its performance
kinerja dan 3 (tiga) pesan utama and the three key messages of its
program keuangan berkelanjutan sustainable finance program to all
kepada seluruh pemangku stakeholders. These key messages
kepentingan. Pesan utama tersebut include: first, Tugu Insurance’s triple
adalah: pertama, kinerja triple bottom bottom line performance (economic,
line (ekonomi, lingkungan dan sosial) environmental, and social). Second,
Tugu Insurance. Kedua, dampak the economic, environmental, and
ekonomi, lingkungan dan sosial yang social impacts resulting from Tugu
timbul akibat kegiatan operasi Tugu Insurance’s operational activities.
Insurance. Ketiga, kontribusi Tugu Third, Tugu Insurance’s contribution to
Insurance terhadap upaya pencapaian efforts in achieving the Sustainable
Tujuan Pembangunan Berkelanjutan/ Development Goals (SDGs).
TPB (Sustainable Development Goals/
SDGs).
Periode, Siklus dan Cakupan Pelaporan [GRI 2-3]
Reporting Period, Cycle and Scope [GRI 2-3]
Penerbitan Laporan Keberlanjutan This Sustainability Report is prepared
dilakukan secara periodik dengan and published periodically within
siklus setahun sekali. Laporan an annual cycle. The Sustainability
Keberlanjutan ini menyajikan data dan Report presents data and information
informasi kinerja Perseroan periode 1 of the Company’s performance
Januari sampai dengan 31 Desember from the period of 1 January to 31
2024. Tugu Insurance menerbitkan December 2024. Tugu Insurance
Laporan Keberlanjutan pertama pada published its first Sustainability
tahun 2021 untuk tahun buku 2020 Report in 2021 for the 2020 financial
dan terakhir kali pada tahun 2024 year and the latest one in 2024 for
untuk tahun buku 2023. the 2023 financial year.
Informasi Laporan Keberlanjutan Information on Sustainability Report
mencakup data kinerja keberlanjutan, includes data on sustainability
dampak pada aspek ekonomi, sosial performance, impacts on economic,
dan lingkungan, dan kontribusi Tugu social, and environmental aspects, as
Insurance. Laporan ini memuat data well as Tugu Insurance’s contributions.
dan informasi Tugu Insurance. This report contains data and
information for Tugu Insurance.
32 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 35
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Hingga tahun 2024, Perseroan telah memiliki entitas anak As of 2024, the Company has the following subsidiaries
dan entitas asosiasi sebagai berikut: [GRI 2-2] and associates: [GRI 2-2]
Entitas Anak Perusahaan Tugu Insurance
Tugu Insurance’s Subsidiaries
99,99% 30,00% 14,83%
27,50% PT TUGU PRATAMA PT ASURANSI PT REASURANSI
INTERINDO SAMSUNG TUGU MAIPARK INDONESIA
72,50% 99,99% 99,90% 50,74%
PT SYNERGY RISK PT TUGU
TUGU INSURANCE PT PRATAMA
MANAGEMENT REASURANSI
COMPANY LIMITED MITRA SEJATI
CONSULTANS INDONESIA
Entitas Anak | Subsidiaries Entitas Asosiasi | Associates Penyertaan Langsung | Direct Participation
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 33
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01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Standar dan Pedoman Pelaporan
Reporting Standard and Guidelines
Standar penyusunan Laporan Keberlanjutan mengacu pada The standards for preparing Sustainability Reports
Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017 refer to Financial Services Authority Regulation No. 51/
(POJK 51/2017) tentang Penerapan Keuangan POJK.03/2017 (POJK 51/2017) on the Implementation
Berkelanjutan Bagi Lembaga Jasa Keuangan, Emiten, of Sustainable Finance for Financial Services Institutions,
dan Perusahaan Publik dan Surat Edaran OJK No. 16/ Issuers and Public Companies and OJK Circular No. 16/
SEOJK.04/2021 (SEOJK 16/2021) tentang Bentuk Dan Isi SEOJK.04/2021 (SEOJK 16/2021) on the Form and
Laporan Tahunan Emiten atau Perusahaan Publik. Selain Content of Annual Reports of Issuers or Public Companies.
itu, Laporan Keberlanjutan juga disusun menggunakan In addition, the Sustainability Report is also prepared using
persyaratan pelaporan dalam Global Reporting Initiative the reporting requirements in the 2021 Global Reporting
(GRI) Standards 2021. Initiative (GRI) Standards.
Laporan ini dilengkapi dengan tanda khusus berupa This report is completed with special markers in the form
kode indeks GRI pada halaman yang relevan terhadap of GRI index codes on pages relevant to general and
informasi pengungkapan umum dan pengungkapan khusus specific disclosures as material topics, allowing readers
sebagai topik material, agar para pembaca dan pemangku and stakeholders to easily locate information related to
kepentingan dapat dengan mudah menemukan informasi each indicator. Additionally, we have included a list of POJK
terkait untuk setiap indikator. Selain itu kami melengkapi 51/2017 or SEOJK 16/2021 indices and GRI Standards
laporan ini dengan daftar indeks POJK 51/2017 atau 2021 indices in this report.
SEOJK 16/2021 dan indeks GRI Standards 2021.
Penyajian Kembali dan Perubahan Informasi dalam Pelaporan [GRI 2-4]
Restatement and Change of Information in Reporting [GRI 2-4]
Penyajian data dan informasi keuangan dalam Laporan ini The presentation of financial data and information in
menggunakan denominasi Rupiah, kecuali diindikasikan this report is in Rupiah denomination, unless otherwise
lain dan sudah diaudit oleh Kantor Akuntan Publik indicated, and has been audited by a Public Accounting
sesuai dengan keperluan penyusunan Laporan Keuangan Firm in accordance with the requirements for preparing
dan Laporan Tahunan Perseroan. Data kuantitatif the Company’s Financial Statements and Annual Report.
dalam Laporan ini disajikan dengan menggunakan Quantitative data in this report is presented using the
penyajian kembali data dua tahun berturut-turut sebagai comparability principle of at least two consecutive years.
perbandingan kinerja, sehingga terlihat kecenderungan Thus, report readers can conduct an analysis of the
kinerja Perseroan. Company’s performance trends.
Penetapan Topik Material dan Batasan Topik [GRI 3-1]
Defining Material Topics and Topic Boundaries [GRI 3-1]
Penetapan isi dalam Laporan mengacu pada prinsip-prinsip Defining of the report content refers to the principles
penetapan topik dalam Standar GRI, yakni: stakeholders of determining topics in GRI Standards, which are:
inclusiveness (pelibatan pemangku kepentingan); materiality stakeholder inclusiveness; materiality; sustainability
(materialitas); sustainability context (konteks keberlanjutan) context, and completeness.
dan completeness (kelengkapan).
Prinsip penetapan topik laporan ini didasarkan pada 4 The principles of defining this report content are based
(empat) prinsip, sesuai dengan panduan GRI, yaitu: on the 4 (four) principles in line with GRI guidelines,
as follows:
1. Inklusivitas Pemangku Kepentingan 1. Stakeholder Inclusiveness
Proses penyusunan laporan melibatkan pemangku The report preparation process involves stakeholders
kepentingan dalam penentuan topik material melalui in defining the material topics through various methods
berbagai metode seperti diskusi internal tim, Focus such as team internal discussion, Focus Group
Group Discussion dan Uji Materialitas. Discussion, and Materiality Tests.
2. Konteks Keberlanjutan 2. Sustainability Context
Konten dalam laporan ini adalah isu atau topik yang The report contents involve issues or topics related
berhubungan dengan konteks keberlanjutan, meliputi to the sustainability context, including economic,
topik ekonomi, lingkungan dan sosial. environmental, and social topics.
34 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 37
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
3. Materialitas 3. Materiality
Proses penyusunan laporan dimulai dengan penentuan The report preparation process begins with determining
isi laporan melalui prosedur penetapan materialitas the content through a materiality assessment procedure,
dengan terlebih dulu mengidentifikasi topik spesifik, starting with the identification of specific topics, then
kemudian menetapkan bobot dari masing-masing topik weighted each topic through a materiality test to identify
tersebut melalui uji materialitas sehingga didapat material topics, which we consider relevant, a priority,
topik yang material, yakni topik yang kami nilai relevan, and important to communicate.
menjadi prioritas dan penting untuk disampaikan.
4. Lengkap 4. Completeness
Proses penyusunan laporan dilengkapi dengan pengujian The report preparation process is complemented by
atas topik yang material, mencakup ketersediaan testing of material topics that includes data availability
data maupun penetapan batasan (boundary) sehingga data and defining of boundaries to reflect significant
mencerminkan dampak ekonomi, lingkungan dan sosial economic, environmental, and social impacts.
yang signifikan.
Sementara itu, kami merujuk pada panduan GRI yang Meanwhile, we refer to the GRI guidelines that specity 4
menentukan 4 (empat) dalam menentukan topik dan isi (four) points in defining the topics and contents of the
laporan sebagaimana tergambar dalam bagan di bawah, report as illustrated in the chart below:
yaitu:
1. Identifikasi 1. Identification
Kami melakukan identifikasi terhadap topik-topik yang We identify materials/important topics and
material/penting dan menetapkan batasan (boundary). set boundaries.
2. Prioritas 2. Priority
Kami membuat prioritas atas topik-topik yang telah We set the priority of the topics identified in the
diidentifikasi pada langkah sebelumnya. previous step.
3. Validasi 3. Validation
Kami melakukan validasi atas topik-topik yang dinilai We validate the topics deemed as material topics.
material tersebut.
4. Review 4. Review
Kami melakukan review atas Laporan setelah diterbitkan We review the report after publication to improve the
guna meningkatkan kualitas Laporan tahun berikutnya. quality of the following year’s report.
Proses Untuk Menentukan Topik Material
Process to Define Material Topics
Mengidentifikasi dan menilai dampak secara berkesinambungan Menguji Topik material untuk pelaporan
Identify and assess impacts on an ongoing basis Define Material topics for reporting
Menguji Topik material dengan pakar dan
Melibatkan berbagai pemangku kepentingan pengguna informasi
dan pakar yang relevan Test the material topics with experts and
Engage with relevant stakeholders and experts information users
1 2 3
Memprioritaskan
Mengidentifikasi Menilai signifikansi dampak paling
Memahami konteks
dampak aktual dan dampak signifikansi untuk
organisasi
potensial Assess the pelaporan
Understand the
Identify actual and significance of the Prioritize the most
organization’s context
potential impacts impacts significant impacts for
reporting Topik Material
Material Topic
Menggunakan Mempertimbangkan Menguji topik material
Standar Sektor untuk topik dan dampak terhadap topik dalam
memahami konteks yang dideskripsikan Standar Sektor
sektor dalam Standar Sektor Test the material
Use the Sector Consider the topics against the
Standards to topics and impacts topics in the Sector
understand the described in the Standars
sectors’ context Sector Standards
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 35
Page 38
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Daftar Topik Material [GRI 3-2]
List of Material Topics [GRI 3-2]
Topik material yang dimuat dalam laporan ini ditetapkan The material topics included in this report were determined
setelah dilakukan pembahasan dalam Focus Group following discussions in a Focus Group Discussion (FGD),
Discussion (FGD) yang dihadiri oleh tim Sustainability Report attended by Tugu Insurance’s Sustainability Report team,
Tugu Insurance, difasilitasi oleh konsultan. Hasil tersebut, facilitated by a consultant. The results were subsequently
selanjutnya disepakati kembali sebagai topik material reconfirmed as material topics for the 2024 reporting
untuk pelaporan tahun 2024 pada saat kick off meeting during the kick-off meeting for the preparation of the 2024
penyusunan Laporan Keberlanjutan 2024 tanggal 13 Sustainability Report on 13 January 2025.
Januari 2025.
Tabel Daftar Topik Material
List of Material Topics
Topik Indeks GRI Sub Indeks GRI
No
Topics GRI Index GRI Sub-index
Topik Ekonomi
Economic Topics
1 Kinerja Perusahaan GRI 201 Kinerja Ekonomi 2016 • 201-1 Nilai ekonomi langsung dihasilkan dan
Company’s Performance Economic Performance didistribusikan
2016 • 201-2 Implikasi keuangan dan risiko serta peluang lain
akibat perubahan iklim
• 201-3 Kewajiban program imbalan pasti dan program
pensiun lainnya
• 201-4 Bantuan keuangan yang diterima dari pemerintah
• 201-1 Direct economic value generated and distributed
• 202-2 Financial implications and other risks and
opportunities due to climate change
• 201-3 Defined benefit plan obligations and other retirement
plans
• 201-4 Financial assistance received from government
2 Bantuan Kesehatan GRI 203 Dampak Ekonomi Tidak • 203-1 Investasi infrastruktur dan dukungan layanan
Health Assistance Langsung 2016 • 203-2 Dampak ekonomi tidak langsung yang signifikan
Indirect Economic • 203-1 Infrastructure investments and services supported
Impacts 2016 • 203-2 Significant indirect economic impacts
Topik Lingkungan
Environmental Topics
3 Pelestarian Alam GRI 304 Keanekaragaman Hayati • 304-1 Lokasi operasi yang dimiliki, disewa, dikelola, atau
Conservation of Nature 2016 berdekatan dengan, kawasan lindung dan kawasan dengan
Biodiversity 2016 nilai keanekaragaman hayati tinggi di luar kawasan lindung
• 304-2 Dampak signifikan dari kegiatan, produk, dan jasa
pada keanekaragaman hayati
• 304-3 Habitat yang dilindungi atau direstorasi
• 304-4 Spesies Daftar Merah IUCN dan spesies daftar
konservasi nasional dengan habitat dalam wilayah yang
terkena efek operasi
• 304-1 Operational sites owned, leased, managed in, or
adjacent to protected areas and areas of high biodiversity
value outside protected areas
• 304-2 Significant impacts of activities, products, and
services on biodiversity
• 304-3 Habitats protected or restored
• 304-4 IUCN Red List species and national conservation list
species with habitats in areas affected by operations
36 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 39
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Tabel Daftar Topik Material
List of Material Topics
Topik Indeks GRI Sub Indeks GRI
No
Topics GRI Index GRI Sub-index
Topik Sosial
Social Topics
4 Keselamatan dan Kesehatan GRI 403 Kesehatan dan • 403-1 Sistem manajemen kesehatan dan keselamatan
Kerja Keselamatan Kerja 2018 kerja
Occupational Health and Occupational Health and 403-2 Identifikasi bahaya, penilaian risiko, dan investigasi
Safety Safety 2018 insiden
• 403-3 Layanan kesehatan kerja
• 403-4 Partisipasi, konsultasi, dan komunikasi pekerja
tentang keselamatan dan kesehatan kerja
• 403-5 Pelatihan bagi pekerja mengenai keselamatan dan
kesehatan kerja
• 403-6 Peningkatan kualitas kesehatan pekerja
• 403-7 Pencegahan dan mitigasi dampak dari keselamatan
dan kesehatan kerja yang secara langsung terkait
hubungan bisnis
• 403-8 Pekerja yang tercakup dalam sistem manajemen
keselamatan dan kesehatan kerja
• 403-9 Kecelakaan kerja
• 403-10 Penyakit akibat kerja
• 403-1 Occupational health and safety management system
• 403-2 Hazard identification, risk assessment, and incident
investigation
• 403-3 Occupational health services
• 403-4 Worker participation, consultation, and
communication on occupational health and safety
• 403-5 Worker training on occupational health and safety
• 403-6 Promotion of worker health
• 403-7 Prevention and mitigation of occupational health and
safety impacts directly linked by business relationships
• 403-8 Workers covered by an occupational health and
safety management system
• 403-9 Work-related injuries
• 403-10 Work-related ill health
5 Pengembangan Kompetensi GRI 404 Pelatihan dan Pendidikan • 404-1 Rata-rata jam pelatihan per tahun per karyawan
Competency Development 2016 404-2 Program untuk meningkatkan keterampilan karyawan
Training and Education dan program bantuan peralihan
2016 • 404-3 Persentase karyawan yang menerima tinjauan rutin
terhadap kinerja dan pengembangan karier
• 404-1 Average hours of training per year per employee
• 404-2 Programs for upgrading employee skills and
transition assistance programs
• 404-3 Percentage of employees receiving regular
performance and career development reviews
6 Bantuan Sosial GRI 413 Masyarakat Lokal 2016 • 413-1 Operasi dengan keterlibatan masyarakat lokal,
Kemasyarakatan Local Communities 2016 penilaian dampak, dan program pengembangan
Community Social Assistance • 413-2 Operasi yang secara aktual dan yang berpotensi
memiliki dampak negatif signifikan terhadap masyarakat
lokal
• 413-1 Operations with local community engagement,
impact assessments, and development programs
• 413-2 Operations with significant actual and potential
negative impacts on local communities
7 Kemudahaan Akses Informasi
& Jaringan
N/A N/A N/A
Ease of Access to Information
& Networks
8 Ketersediaan Fitur & Platform
Aplikasi/Layanan
N/A N/A N/A
Availability of Features Apps/
Service Features & Platform
9 Kecepatan dan Kemudahan
Pembelian Asuransi
N/A N/A N/A
Speed and Convenience in
Purchasing Insurance
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 37
Page 40
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Assurance [GRI 2-5]
Assurance [GRI 2-5]
Tugu Insurance belum menugaskan pihak independen Tugu Insurance has not assigned an external independent
dari eksternal untuk melakukan jasa assurance atas party to provide assurance services for the 2024
Laporan Keberlanjutan 2024. Namun demikian, untuk Sustainability Report. However, to ensure the quality of
memastikan kualitas pelaporan, secara mandiri tim reporting, the Company’s internal team independently
internal perusahaan melakukan cross check kesesuaian cross-checked the conformity of information disclosure
pengungkapan informasi dengan persyaratan pelaporan with the reporting requirements stipulated under SEOJK
pada SEOJK 16/2021 dan GRI Standard. Perusahaan terus 16/2021 and the GRI Standards. The Company is
berkomitmen untuk melaporkan kinerja keberlanjutan dan constantly committed to reporting its sustainability
meningkatkan kualitas pelaporan sesuai indeks Global performance and improving its reporting quality in line with
Reporting Initiative (GRI) melalui Laporan Keberlanjutan the Global Reporting Initiative (GRI) index through the next
periode berikutnya. Sustainability Reports.
Umpan Balik & Akses Informasi [GRI 2-3]
Feedback & Information Access [GRI 2-3]
Perseroan membuka diri untuk perbaikan kinerja The Company is open to improving its sustainability
keberlanjutan dan kualitas laporan dengan menerima performance and report quality by accepting feedback
umpan balik dari para pembaca dan pemangku from readers and stakeholders in the form of questions,
kepentingan baik berupa pertanyaan, komentar, saran comments, suggestions, or input. Feedback can be directed
maupun masukan. Penyampaian umpan balik dapat to or addressed through the Company’s contact information
menghubungi atau ditujukan kontak informasi Perusahaan as follows:
sebagai berikut:
PT Asuransi Tugu Pratama Indonesia Tbk
Wisma Tugu 1
Jalan H.R. Rasuna Said Kav. C8-9
Jakarta 12920 Indonesia
Telp: 021-529 61777 (hunting)
Fax: 021-529 61555
CALL TIA - HOTLINE 24 JAM: 1500 458
WA: 0811 97 900 100
Email: calltia@tugu.com
Website: www.tugu.com
Media Sosial | Social Media:
Instagram: @tuguinsurance | @lifeattugu
Facebook: @tuguinsurance.id
Linkedin: PT Asuransi Tugu Pratama Indonesia Tbk
X: @tuguinsurance
TikTok: @tuguinsurance
Youtube: Tugu Insurance
38 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 41
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 39
Page 42
40 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 43
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 41
Page 44
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Identitas Perusahaan [OJK C.2][GRI 2-1 ]
Company Identity [OJK C.2][GRI 2-1]
Nama Perusahaan [GRI 2-1] PT Asuransi Tugu Pratama Indonesia Tbk
Company Name [GRI 2-1] (“Tugu”)
Tanggal Berdiri 25 November 1981
Date of Establishment 25 November 1981
Dasar Hukum Pendirian Akta Notaris No. 9 tanggal 25 November 1981, dibuat dihadapan Tan Thong Kie, S.H. Notaris di
Legal Basis of Establishment Jakarta. Akta ini disahkan oleh Menteri Kehakiman Republik Indonesia dengan Surat Keputusan No.
Y.A5/177/20 tanggal 15 Maret 1982, didaftarkan pada Kantor Pengadilan Negeri Jakarta No. 1244
dan 1245 tanggal 2 April 1982, dan telah diumumkan dalam Berita Negara Republik Indonesia No.
54 tanggal 6 Juli 1982.
Notarial Deed No. 9 dated 25 November 1981, made before Tan Thong Kie, S.H. Notary in Jakarta.
This Deed legalized by the Minister of Justice of Republic of Indonesia with Ministerial Decree No.
Y.A5/177/20 dated 15 March 1982, registered in the Jakarta District Court Office No. 1244 and
1245 dated 2 April 1982, and has been published in the Republic of Indonesia’s State Gazette No.
54 dated 6 July 1982.
Bentuk Badan Hukum [GRI 2-1] Perseroan Terbatas & Perusahaan Publik
Legal Entity [GRI 2-1] Limited Liability Company & Public Company
Kegiatan Usaha Utama
[GRI 2-6][OJK C.4] Asuransi Umum (Konvensional & Syariah)
Main Business Activities General Insurance (Conventional & Sharia)
[GRI 2-6][OJK C.4]
Kepemilikan Saham • 58,50% PT Pertamina (Persero)
Share Ownership • 15,89% UOB Kay Hian Pte. Ltd
• 5,29% Samsung Fire & Marine Insurance, Co., Ltd.
• 20,32% Masyarakat (masing-masing kepemilikan <5%) | Public (with ownership of <5%)
Modal Dasar
Rp640.000.000.000,-
Authorized Capital
Modal Ditempatkan dan Disetor Penuh
Rp177.777.780.000,-
Issued and Fully Paid-Up Capital
Jumlah Pegawai [GRI 2-7] 469 orang
Total Employees [GRI 2-7] 469 people
Lokasi Operasional [GRI 2-6] Per 31 Desember 2024 terdapat 31 PoSS yang terbagi dalam 2 (dua) regional, yaitu Regional 1
Operational Areas [GRI 2-6] terdiri dari 17 PoSS, dan Regional 2 terdiri dari 14 PoSS
As of 31 December 2024, there were 31 PoSS which are divided into 2 (two) regions, namely Region
1 consisting of 17 PoSS, and Region 2 consisting of 14 PoSS
Tanggal Pencatatan di Bursa Efek
Indonesia 28 Mei 2018
Listing Date on Indonesia Stock 28 May 2018
Exchange
Kode Saham
TUGU
Ticker Code
Nama Bursa PT Bursa Efek Indonesia
Name of Stock Exchange Indonesia Stock Exchange
Alamat Kantor Pusat Gedung Wisma Tugu I Whatsapp: 0811 9790 0100
[GRI 2-1] [OJK C.2] Jl. H.R. Rasuna Said Kav. C 8-9 Facebook: @tuguinsurance.id
Address of Head Office Jakarta Selatan 12920, Indonesia X: @tuguinsurance
[GRI 2-1] [OJK C.2] Instagram: @tuguinsurance, @lifeattugu
Telepon: Linkedin: PT Asuransi Tugu Pratama Indonesia Tbk
+62 21 529 61 777 (hunting) Youtube: Tugu Insurance
TikTok: @tuguinsurance
Fax:
+62 21 529 61 555, 529 62 555
Email:
enquiry@tugu.com; calltia@tugu.com;
Hotline 24/7 Call TIA:
1500 458
42 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 45
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Sejarah Singkat Perusahaan [OJK C.2]
Brief History of the Company [OJK C.2]
PT Asuransi Tugu Pratama Indonesia Tbk (“Tugu Insurance” PT Asuransi Tugu Pratama Indonesia Tbk (“Tugu Insurance”
atau “Perseroan”) berdomisili di Jakarta Selatan dan or “the Company”) domiciled in South Jakarta, previously
pertama kali didirikan dengan nama PT Tugu Pratama established under the name of PT Tugu Pratama Indonesia
Indonesia berdasarkan Akta Pendirian No. 9 tanggal based on Deed of Establishment No. 9 dated 25 November
25 November 1981 yang dibuat di hadapan Thong Tan 1981, passed before Thong Tan Kie, Notary in Jakarta,
Kie, Notaris di Jakarta dan telah disahkan oleh Menteri and legalized by Minister of Justice of the Republic of
Kehakiman Republik Indonesia melalui Surat Keputusan Indonesia with Ministerial Decree No. Y.A5/177/20 dated
No. Y.A5/177/20 tanggal 15 Maret 1982 serta didaftarkan 15 March 1982 and registered in the Jakarta District
pada Kantor Pengadilan Negeri Jakarta No. 1244 dan 1245 Court Office No.1244 dan 1245 dated 2 April 1982, and
tanggal 2 April 1982, dan telah diumumkan dalam Berita has been published in the Republic of Indonesia’s State
Negara Republik Indonesia No. 54 tanggal 6 Juli 1982. Gazette No. 54 dated 6 July 1982. The Company’s Articles
Anggaran Dasar Perseroan telah mengalami beberapa kali of Association have been amended several times, most
perubahan, terakhir dengan Akta Notaris No. 123 tanggal recently by Notarial Deed No. 123 dated 28 April 2023
28 April 2023 dari Notaris Jose Dima Satria, S.H., M.Kn., from Notary Jose Dima Satria, S.H., M.Kn., Notary in
Notaris di Jakarta tentang Pernyataan Keputusan Rapat Jakarta concerning Statement of Meeting Resolutions on
Perubahan Anggaran Dasar PT Asuransi Tugu Pratama Amendments to the Articles of Association of PT Asuransi
Indonesia Tbk. Perubahan Anggaran Dasar tersebut telah Tugu Pratama Indonesia Tbk. The amendments to the
memperoleh persetujuan dari Menteri Hukum dan Hak Articles of Association have received approval from the
Asasi Manusia Republik Indonesia dalam Surat Keputusan Minister of Law and Human Rights of the Republic of
No. AHU-AH.01.03-0059835 tanggal 5 Mei 2023. Indonesia in Decree No. AHU-AH.01.03-0059835 dated 5
May 2023.
Sejak didirikan (1981-1984), Tugu Insurance telah berfokus Since its founding (1981-1984), Tugu Insurance has
pada penyediaan asuransi untuk penanggulangan risiko di focused on providing risk coverage insurance for the
industri minyak dan gas nasional, khususnya melindungi national oil and gas industry, particularly safeguarding
aset-aset milik perusahaan induknya, PT Pertamina assets owned by its holding company, PT Pertamina
(Persero), yang merupakan Badan Usaha Milik Negara (Persero), a State-Owned Enterprise (SOE). To expand its
(BUMN). Untuk memperluas usahanya, antara tahun 1985 business, between 1985 and 1998, the company invested
dan 1998, perusahaan melakukan investasi di berbagai in various domestic and international entities, leading
entitas domestik dan internasional, yang kemudian to the formation of several subsidiaries under the TUGU
membentuk beberapa anak perusahaan di bawah TUGU Group. These subsidiaries and affiliates are engaged in
Group. Anak-anak perusahaan dan afiliasi ini bergerak di complementary businesses that support Tugu Insurance’s
bidang usaha yang saling melengkapi guna mendukung core activities and broaden its range of products
kegiatan utama Tugu Insurance dan memperluas jangkauan and services.
produk serta layanannya.
Pada tahun 2024, Tugu Insurance terus memanfaatkan In 2024, Tugu Insurance continued to leverage its expertise
keahliannya di segmen asuransi korporasi, dengan in the corporate insurance segment, building on its deep-
melanjutkan pengalamannya yang mendalam dalam rooted experience in supporting large-scale oil and gas
mendukung proyek-proyek minyak dan gas berskala projects. Initially recognized for providing comprehensive
besar. Awalnya dikenal sebagai penyedia solusi asuransi insurance solutions to PT Pertamina (Persero) and its
komprehensif untuk PT Pertamina (Persero) beserta network, including subsidiaries and various Cooperation
jaringannya, termasuk anak perusahaan dan berbagai Contract Holders (CCH), Tugu Insurance has expanded
Pemegang Kontrak Kerja Sama (KKKS), Tugu Insurance beyond the captive market into non-captive sectors.
kini telah berkembang melampaui pasar captive ke sektor This includes the non-energy corporate segment and
non-captive. Ini mencakup segmen korporasi non-energi retail market, both of which present substantial growth
dan pasar ritel, yang keduanya menawarkan peluang opportunities given the low insurance penetration in
pertumbuhan yang signifikan mengingat rendahnya Indonesia. Tugu Insurance has strategically optimized its
penetrasi asuransi di Indonesia. Tugu Insurance portfolio by offering a wide range of insurance products,
secara strategis mengoptimalkan portofolionya dengan covering energy, fire & property, aviation, engineering,
menawarkan berbagai produk asuransi, meliputi energi, marine hull, marine cargo, protection & indemnity, credit,
kebakaran & properti, penerbangan, rekayasa, kapal laut, liability, motor vehicle, and sharia-based insurance. This
kargo laut, perlindungan & ganti rugi, kredit, kewajiban, expansion reflects Tugu Insurance’s commitment to
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 43
Page 46
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
kendaraan bermotor, dan asuransi berbasis syariah. addressing diverse market needs while capturing the
Ekspansi ini mencerminkan komitmen Tugu Insurance vast premium potential in emerging insurance segments
untuk memenuhi berbagai kebutuhan pasar sekaligus across Indonesia.
menangkap potensi premi yang besar di segmen asuransi
yang sedang berkembang di seluruh Indonesia.
Untuk memperkuat struktur modal dan mendukung To strengthen its capital structure and support business
pertumbuhan bisnis serta praktik Good Corporate growth while reinforcing Good Corporate Governance
Governance (GCG), Tugu Insurance melaksanakan (GCG) practices, Tugu Insurance conducted an Initial
Penawaran Umum Perdana (IPO) pada 28 Mei 2018 dengan Public Offering (IPO) on 28 May 2018, listing its shares
kode saham “TUGU” di Bursa Efek Indonesia. Bersamaan on the Indonesia Stock Exchange under the ticker symbol
dengan momen bersejarah ini, perusahaan menjalani “TUGU”. Alongside this milestone, the company underwent
transformasi merek dan budaya secara menyeluruh, a comprehensive brand and cultural transformation,
mengadopsi identitas baru sebagai Tugu Insurance dengan adopting a new corporate identity as Tugu Insurance with
logo yang diperbarui. Pada 28 Juni 2018, ide sentral a refreshed logo. On 28 June 2018, the central brand idea
merek “Reaching New Heights” diperkenalkan, seiring “Reaching New Heights” was introduced, aligning with the
dengan penyelarasan nilai-nilai inti AKHLAK untuk semakin core values of AKHLAK to further integrate them into the
memperkuat budaya perusahaan. corporate culture.
Sesuai dengan rencana yang tercantum dalam prospektus, In alignment with the plans outlined in our prospectus,
termasuk alokasi dana IPO untuk pengembangan bisnis which includes allocating IPO funds for retail business
ritel dan inovasi teknologi guna meningkatkan infrastruktur expansion and technological innovation to enhance
digital Tugu Insurance, Tugu Insurance terus mencatat Tugu Insurance’s digital infrastructure, Tugu Insurance
pencapaian signifikan dalam pengembangan produk dan has continued to make significant strides in product
transformasi digital. Pada tahun 2024, Perseroan berhasil development and digital transformation. In 2024,
memperluas produk asuransi ritel, yaitu t ride untuk Company successfully expanded our offerings with retail
kendaraan roda dua dan t drive untuk kendaraan roda insurance products t ride for two-wheeled vehicles and
empat. Kami juga meningkatkan aplikasi smart t drive, t drive for four-wheeled vehicles. We also advanced the
sebuah inovasi yang dirancang untuk menilai keterampilan smart t drive application, an innovative tool designed
dan perilaku berkendara pengguna, mendukung komitmen to assess user driving skills and behavior, further
kami terhadap keselamatan dan solusi digital yang supporting our commitment to safety and customer-centric
berfokus pada pelanggan. digital solutions.
Untuk meningkatkan aksesibilitas dan keterlibatan To enhance accessibility and customer engagement,
pelanggan, Tugu Insurance kini mengoperasikan 31 Point Tugu Insurance now operates 31 Points of Sales and
of Sales and Services (PoSS) di lokasi strategis di seluruh Services (PoSS) across strategic locations in Indonesia,
Indonesia, terbagi dalam dua regional utama. Regional structured into two key regions. Region 1 now includes
1 kini mencakup 17 lokasi PoSS, sementara Wilayah 2 17 PoSS locations, while Region 2 comprises 14 PoSS,
mencakup 14 PoSS, memperkuat kehadiran fisik kami dan strengthening our physical presence and improving service
meningkatkan jangkauan layanan di seluruh negeri. reach nationwide.
Tugu Insurance tetap berkomitmen pada pertumbuhan Tugu Insurance remains committed to sustainable, high-
berkualitas yang berkelanjutan. Sejak mendapatkan quality growth. Since achieving its first international
peringkat internasional “A- (Excellent)” dari A.M. Best rating of “A- (Excellent)” from A.M. Best in 2016, Tugu
untuk pertama kali pada tahun 2016, Tugu Insurance Insurance has proudly maintained this high standard for
dengan bangga mempertahankan standar tinggi ini selama nine consecutive years. This rating reflects Company’s
sembilan tahun berturut-turut. Peringkat ini mencerminkan exceptionally strong financial standing (stable outlook),
posisi keuangan Perseroan yang sangat kuat (outlook supported by healthy business operations and robust
stabil), didukung oleh operasi bisnis yang sehat dan risk management practices. A.M. Best, the world’s oldest
praktik manajemen risiko yang kokoh. A.M. Best, lembaga insurance rating agency based in New York, U.S., annually
pemeringkat asuransi tertua di dunia yang berbasis di New assesses over 16,000 insurance companies worldwide,
York, Amerika Serikat, setiap tahun melakukan penilaian evaluating their financial health based on the ability to
terhadap lebih dari 16.000 perusahaan asuransi di meet claims, debts, and other obligations in a timely and
seluruh dunia, mengevaluasi kesehatan keuangan mereka reliable manner.
berdasarkan kemampuan untuk memenuhi klaim, utang,
dan kewajiban lainnya secara tepat waktu dan andal.
44 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 47
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Visi, Misi, dan Nilai Keberlanjutan [OJK C.1]
Vision, Mission, and Sustainability Values [OJK C.1]
Visi, Misi, dan Tata Nilai Budaya Perusahaan dikaji secara The Company periodically annually assesses its Vision,
periodik tahunan melalui penyusunan Rencana Kerja dan Mission, and Corporate Culture Values through preparation
Anggaran Perusahaan (RKAP) dan periodik 5 (lima) tahunan of the Company’s Work Plan and Budget (RKAP). The
melalui Rencana Jangka Panjang Perusahaan (RJPP). assessment is also conducted once per 5 (five) years
through the Company’s Long-Term Plan (RJPP).
Menjadi perusahaan
Visi
VISION
asuransi umum
nomor satu
di Indonesia.
Become the number one
general insurance
company in Indonesia.
• Menciptakan • Creating
Misi
kepuasan pelanggan. customer satisfaction.
• Memberdayakan • Empowering human
SDM menjadi insan resources to
MISSIONS yang profesional. become professional.
• Mengoptimalkan • Optimizing company value
nilai perusahaan in a sustainable manner.
secara berkelanjutan. • Developing the insurance
• Mengembangkan company to become the
perusahaan asuransi pride of Indonesia and a
menjadi kebanggaan world-class company.
bangsa Indonesia yang
berkelas dunia.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 45
Page 48
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Budaya Perusahaan dan Tata Nilai Perusahaan
Corporate Culture and Values
Sejalan dengan transformasi Badan Usaha Milik Negara In line with the transformation of State-Owned Enterprises
(BUMN) dalam aspek Sumber Daya Manusia, Kementerian (SOEs) in the area of Human Resources, the Ministry of
BUMN menerbitkan Surat Edaran mengenai penerapan SOEs issued a Circular Letter mandating the adoption of
AKHLAK sebagai nilai inti yang harus diimplementasikan AKHLAK as core values, to be implemented by SOEs, their
oleh BUMN, anak perusahaan, dan perusahaan afiliasi yang subsidiaries, and consolidated affiliates. As a subsidiary
terkonsolidasi. Sebagai anak perusahaan PT Pertamina of PT Pertamina (Persero), Tugu Insurance also applies the
(Persero), Tugu Insurance turut menerapkan living core living core values of AKHLAK.
values AKHLAK.
Amanah Kompeten Harmonis
Memegang teguh Terus belajar dan Saling peduli
kepercayaan mengembangkan dan menghadapi
yang diberikan kapabilitas perbedaan
Upholding the trust Continuing to learn and Caring and respecting
that has been given expand capabilities differences
Loyal Adaptif Kolaboratif
Berdedikasi dan Terus berinovasi Membangun kerja
mengutamakan dan antusias dalam sama yang sinergis
kepentingan Bangsa menggerakkan
Creating synergic
dan Negara ataupun menghadapi
cooperation
perubahan
Dedicating and
putting the Nation Continuing to innovate
above anything else and enthusiastic
in encouraging or
facing the changes
46 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 49
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Skala Usaha [OJK C.3] [GRI 2-6, 2-7]
Business Scale [OJK C.3] [GRI 2-6, 2-7]
Informasi skala usaha Perseroan meliputi: 1) Total aset Information on the Company’s business scale includes:
dan total liabilitas; 2) Jumlah karyawan yang dibagi 1) Total assets and total liabilities; 2) Total employees
menurut jenis kelamin, jabatan, usia, pendidikan, dan based on gender, position, age, education, and employment
status ketenagakerjaan; 3) Persentase kepemilikan saham; status; 3) Percentage of share ownership; and 4)
dan 4) wilayah operasional. Operational area.
Ringkasan Skala
Usaha Satuan
2024 2023 2022
Summary of Business Unit
Scale
Informasi Keuangan
Financial Information
Jumlah Aset Miliar Rp
26.350 25.138 21.581
Total Assets Billion IDR
Jumlah Liabilitas Miliar Rp
15.842 14.858 12.409
Total Liabilities Billion IDR
Jumlah Ekuitas Miliar Rp
26.350 10.280 9.172
Total Equity Billion IDR
Pendapatan Miliar Rp
3.933 3.591 3.094
Revenues Billion IDR
Laba Tahun Berjalan Miliar Rp
751 1.302 395
Income for the Year Billion IDR
Informasi Produksi
Information on Production
Premi Bruto Miliar Rp
8.537 7.710 6.706
Gross Premium Billion IDR
Premi Reasuransi dan Miliar Rp
Retrosesi Billion IDR
(4.755) (4.368) (3.519)
Reinsurance and
Retrocession Premium
Jumlah Karyawan* Orang
469 459 431
Total Employees* Employee
Kepemilikan Saham
Terbesar*
% 58,50 58,50 58,50
Largest Share
Ownership*
Wilayah Operasional* Cabang 12
Operational Area* Branches
PoSS 31 31 22
Jumlah Produk/Jasa Jenis • Asuransi • Asuransi • Asuransi
Total Products/Services Type Umum Umum Umum
Korporat & Korporat & Korporat &
Retail Retail Retail
• Asuransi • Asuransi • Asuransi
Umum Umum Umum
Syariah Syariah Syariah
• Corporate • Corporate • Corporate
& Retail & Retail & Retail
General General General
Insurance Insurance Insurance
• Sharia • Sharia • Sharia
General General General
Insurance Insurance Insurance
*) Informasi lebih lengkap disampaikan secara terpisah | Detail information is presented separately
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 47
Page 50
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Informasi Karyawan [GRI 2-7, 2-8]
Information on Employee [GRI 2-7, 2-8]
Jumlah karyawan Tugu Insurance hingga akhir tahun The number of Tugu Insurance employees until the end of
2024 sebanyak 469 orang, meningkat dibanding jumlah 2024 was 469 employees, increase than the number of
karyawan tahun 2023 sebanyak 459 orang. Perseroan employees in 2023 of 459 employees. The Company uses
menggunakan metodologi penghitungan karyawan a methodology for calculating employees based on work
berdasarkan kontrak kerja/surat pengangkatan karyawan contracts/letter of appointment in classifying employee
dalam mengklasifikasikan data karyawan sesuai kelompok data according to gender, contract workers or permanent
gender, pekerja kontrak atau pekerja tetap dan wilayah workers and work areas. The complete composition of
kerja. Komposisi karyawan selama 3 periode selengkapnya employees for 3 periods is presented in the following table:
disajikan dalam tabel berikut:
Karyawan Berdasarkan Kontrak Kerja Ketenagakerjaan dan Jenis Kelamin (Orang) [GRI 2-8]
Employee Composition Based on Employment Contracts and Gender (Employees) [GRI 2-8]
2024 2023 2022
Status Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
Pekerja Waktu Tidak Tertentu
(Pekerja Tetap) 220 122 342 230 123 353 233 122 355
Permanent Employees
Pekerja Waktu Tertentu
(Pekerja Kontrak) 61 54 115 50 46 96 44 23 67
Contract Employees
Pekerja Perbantuan
(PT Pertamina (Persero))
2 2 4 - 2 2 - 2 2
Seconded Employees
(PT Pertamina (Persero))
Pekerja Diperbantukan
di Entitas Anak
7 1 8 7 1 8 6 1 7
Employees Seconded
at Subsidiaries
Jumlah
290 179 469 287 172 459 283 148 431
Total
*) Termasuk pekerja yang bukan pekerja langsung adalah mereka yang melakukan pekerjaan untuk organisasi tetapi tidak memiliki hubungan kerja
langsung dengan organisasi.
*) Including workers who are not direct workers, who do work for the organization but do not have a direct working relationship with the organization.
Karyawan Berdasarkan Jabatan (Level Organisasi)
Employee Composition Based on Position (Organization Level)
2024 2023 2022
Jabatan (Level Organisasi)
Position (Organization Level) Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
Deputi Direktur
1 1 2 1 1 2 1 - 1
Deputy Director
Group Head & VP 13 4 17 15 5 20 16 7 23
Pekerja Perbantuan di Anak
Perusahaan
7 1 8 7 1 8 6 1 7
Seconded Employees at
Subsidiaries
Department Head 45 12 57 44 12 56 46 9 55
Manajer
21 6 27 26 8 34 22 9 31
Manager
Officer 127 69 196 124 64 188 118 53 171
Staf
75 86 161 67 81 148 70 69 139
Staff
Pelaksana
1 - 1 3 - 3 4 - 4
Support
Jumlah
290 179 469 287 172 459 283 148 431
Total
48 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 51
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Karyawan Berdasarkan Usia
Employee Composition Based on Age Range
2024 2023 2022
Rentang Usia
Age Range Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
21-30 39 57 96 36 58 94 32 50 82
31-40 125 84 209 119 74 193 127 61 188
41-50 85 33 118 80 34 114 68 30 98
≥51 41 5 46 52 6 58 56 7 63
Jumlah
290 179 469 287 172 459 283 148 431
Total
Karyawan Berdasarkan Pendidikan
Employee Composition Based on Educational Level
2024 2023 2022
Tingkat Pendidikan
Educational Level Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
S3
1 - 1 1 - 1 1 - 1
Doctoral
S2
56 15 71 54 14 68 47 14 61
Post Graduate
Sarjana dan sederajat
226 160 386 221 153 374 221 129 350
Graduate and Equivalent
Diploma 5 4 9 7 5 12 9 5 14
SD, SMP, SMA Sederajat
Elementary School, Junior High
2 - 2 4 - 4 5 - 5
School, Senior High School &
Equivalent
Jumlah
290 179 469 287 172 459 283 148 431
Total
Karyawan Berdasarkan Wilayah dan Jenis Kelamin (Orang)
Employees by Region and Gender (Employees)
2024 2023 2022
Status Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
Kantor Pusat
211 143 327 212 136 348 204 116 320
Head Office
Kantor Cabang Sejak 2023, Sejak 2023,
Branch Offices cabang menjadi PoSS cabang menjadi PoSS
43 24 67
Since 2023, Since 2023,
branch offices became branch offices became
Kantor PoSS
72 35 107 68 35 103 30 7 37
PoSS Offices
Anak Perusahaan
7 1 8 7 1 8 6 1 7
Subsidiaries
Jumlah
290 179 469 287 172 459 283 148 431
Total
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 49
Page 52
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Kepemilikan Saham [GRI 2-1]
Share Ownership [GRI 2-1]
Susunan kepemilikan saham Tugu Insurance pada awal dan The following is information regarding Tugu Insurance’s
akhir tahun 2024 berdasarkan catatan yang dibuat oleh share ownership at the beginning and end of 2024 based
Biro Administrasi Efek Perseroan, PT Dantindo Entrycom, on records made by the Company’s Share Registrar,
dapat dilihat sebagai berikut: PT Datindo Entrycom:
2 Januari 2024 31 Desember 2024
Nama Pemegang Saham 2 January 2024 31 December 2024
Name of Shareholder Kepemilikan Saham Kepemilikan Saham
Jumlah Saham Jumlah Saham
Shareholding Shareholding
Total Shares Total Shares
(%) (%)
PT Pertamina (Persero) 2.080.000.000 58,50 2.080.000.000 58,50
UOB Kay Hian Pte. Ltd. 565.040.000 15,89 564.700.000 15,89
Samsung Fire and Marine Insurance
188.234.000 5,29 188.234.000 5,29
Co. Ltd.
Pemegang Saham Lainnya
(di bawah 5%) 722.301.600 20,32 722.641.600 20,32
Other shareholders (under 5%)
Jumlah
3.555.575.600 100,00 3.555.575.600 100,00
Total
Wilayah Operasional [GRI 2-1]
Operational Area [GRI 2-1]
Tugu Insurance beroperasi di Indonesia dan memiliki Tugu Insurance operates in Indonesia and has overseas
wilayah operasi di luar negeri dengan adanya Kantor operating areas with Representative Offices in Hong Kong.
Perwakilan di Hong Kong. Tugu Insurance berkantor pusat Tugu Insurance is headquartered in Jakarta and has
di Jakarta dan mempunyai 31 Point of Sales and Services 31 Point of Sales and Services (PoSS) in major citiesin
(PoSS) di kota-kota besar di Indonesia. Informasi wilayah Indonesia. Information on the Company’s operational area
operasional disajikan sebagaimana dalam tabel berikut: is presented in the following table:
Jaringan Uraian
Network Description
Wilayah Operasi di Indonesia
Operational Areas in Indonesia
Kantor Pusat Wisma Tugu 1 Jalan H.R. Rasuna Said Kav. C8-9, Jakarta 12920 Indonesia
Head Office
PoSS (Point of Sales & 31 PoSS (Points of Sales & Service) yaitu | 31 PoSS (Points of Sales & Service) namely:
Service) Group & Related • Regional 1
Branch Medan, Pekanbaru, Palembang, Lampung, Group & Related, Wisma Tugu I, Kelapa Gading, Cibubur**,
Serpong, Bekasi, Karawang, Serang, Pondok Indah**, Bogor, Jambi, Padang, dan Aceh*
• Regional 2:
Bandung, Cirebon, Semarang, Solo, Yogyakarta, Surabaya, Malang, Denpasar, Makassar, Palu, Balikpapan,
Pontianak, Samarinda, dan Banjarmasin
Wilayah Operasi di Luar Negeri
Operational Area Overseas
Kantor Perwakilan Hong Kong
Representative Offices Hong Kong
*Khusus menangani Asuransi Syariah
*Specifically handling Sharia Insurance
** Per bulan Agustus-Desember 2024, lokasi PoSS Pondok Indah dan Cibubur pindah ke Head Office (Jl. H.R. Rasuna Said Kav C8-9, Jakarta 12920)
** From August to December 2024, the PoSS Pondok Indah and Cibubur location will be relocated to the Head Office (Jl. H.R. Rasuna Said Kav C8-9,
Jakarta 12920)
50 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 53
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 51
Page 54
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Peta Wilayah Operasional
Operational Area Map
Regional 1 3 PALEMBANG POSS 6 WISMA TUGU I POSS
Kompleks Pertamina Jl. H.R. Rasuna Said Kav
1 MEDAN POSS Kenten, Jl. AKBP Cek Agus C8-9, Jakarta 12920
Jl. Palang Merah No. 116 No. 12, 8 Ilir Ilir Timur
Medan 20112 Palembang 30114 7 KELAPA GADING POSS
Telp: +62-61-457 7705 Telp: +62-711-573 3633 Ruko Italian Walk Blok C
+62-61-414 5411 +62-711-573 3376 No. 09, Jl. Boulevard Barat Raya
Fax : 061 - 88817406 Fax : 0711-5733771 No. 1, Kelapa Gading Barat
2 PEKANBARU POSS 4 LAMPUNG POSS 8 CIBUBUR POSS**
Sudirman City Square, Ruko Jl. Jend. Sudirman No. 23 C-D, Mall Cibubur Junction Jl.
No. A-01, Jl. Jend. Sudirman Bandar Lampung, 35111 Jambore No. 1, RT. 8/RW. 7
Pekan Baru, Riau 28111 Telp: 0721-601 1311 Cibubur, Kec. Ciracas
Telp: 0761-865 6207 Kota Jakarta Timur, DKI Jakarta
0761-865 6631 5 GROUP & RELATED POSS 13720 No. Unit: LT2 - 55
Jl. H.R. Rasuna Said Kav
C8-9, Jakarta 12920
52 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 55
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
9 SERPONG POSS Regional 2 10 PALU POSS
Ruko Bolsena Blok A 33 Jl. Towua, Kel. Tatura Selatan
Jl. Gading Serpong Boulevard No. 33 1 BANDUNG POSS Kec. Palu Selatan, Kota Palu
Kab. Tangerang, Banten 15811 Jl. BKR No. 19 A RT. 09/RW. 06 Prov. Sulawesi Tengah
Kel. Cijagra, Kec. Lengkong Bandung
10 BEKASI POSS 40254 11 BALIKPAPAN POSS
Ruko Emerald Summarecon Telp: +62-22-8732 8455, Komplek Pertokoan
Bekasi Blok UF 09, RT. 005/RW. 011 +62-22-7328 0955 Balikpapan Super Block
Marga Mulya, Kota Bekasi 17113 (BSB) Blok E No. 11
2 CIREBON POSS Jl. Jend. Sudirman, Balikpapan
11 KARAWANG POSS Cirebon Super Block Office Park P10 Kalimantan Timur
Grand Taruma, Jl. Dr. Cipto Mangunkusumo No. 26 Telp: 0542-721 9899
Jl. Dharmawangsa II, Blok HW No. 29 Cirebon 45131 Jawa Barat Fax: 0542-7219979
RT. 015 RW. 008, Kel. Sukamakmur
Kec. Telukjambe Timur, Karawang 3 SEMARANG POSS 12 PONTIANAK POSS
Barat 41361 Jl. M.T. Haryono No. 798 B Komplek Perkantoran
Semarang 50124, Jawa Tengah Pontianak Mall
12 SERANG POSS Telp: 024-841-0677, Jl. Teuku Umar Blok C-25
Jl. Jendral Sudirman No. 65 024-841-0678 Telp: 0561 - 8185-627
Sumur Pecung, Kec. Serang
Kota Serang, Banten 42118 4 SOLO POSS 13 SAMARINDA POSS
Sentra Niaga Solo Baru Komplek The Komplek Ruko Grand
13 PONDOK INDAH POSS** Park Mall, Jl. Soekarno Blok A No. 5A Mahakam Jl. Siradj Salman
Jl. Radio Dalam Raya No. 34 Solo Baru Samarinda, Kecamatan
Kebayoran Baru, Jakarta Selatan Samarinda Ulu, Kota Samarinda
Indonesia 5 YOGYAKARTA POSS Kalimantan Timur 75243
Jl. Affandi No. 29 C1 RT. 12 Telp: 0541-7810179
14 BOGOR POSS RW. 5, Mrican, Caturtunggal
Depok, Sleman, Yogyakarta 14 BANJARMASIN POSS
Ruko Casablanca,
Jl. KS Tubun No. 1- 6 Cibuluh Jl. Gatot Subroto Raya No. 113
Kec. Bogor Utara, Kota Bogor 6 SURABAYA POSS Kel. Kebun Bunga, Kec. Banjarmasin
Jawa Barat 16151 Wisma Tugu Darmo Jl. Raya Timur, Kota Banjarmasin, Kalimantan
Darmo No. 64 Surabaya Selatan 70235
15 JAMBI POSS Jawa Timur 60264 Telp: 0511-678-2954
Komplek Ruko Transmart Jambi Telp: 031-566-4470
Blok A 20, Jl. Jend. Sudirman Fax : 031-5664471
Kel. Tambak Sari
Kec. Jambi Selatan 7 MALANG POSS Kantor Perwakilan
Kota Jambi 36139 Ruko Sarangan Representative Offices
Telp: 0741-3603-724 Jl. Sarangan 1E, Lowokwaru
Malang 65141 Hong Kong
16 PADANG POSS Telp: 0341-43877377
Tugu Insurance Company Limited
Jl. Kis Mangunsarkoro No. 3
8 DENPASAR POSS 28/F United Asia Finance Centre 333
Kel. Jati Baru Kec. Padang
Jl. Gatot Subroto No. 335 Lockhart Road, Wanchai
Timur, Kota Padang
Denpasar Bali 80111 Hong Kong
Telp: 0751-8957288
Telp: 0361-909-3160 Telp: +852 282 42939
Fax : +852 282 43070
17 ACEH POSS*
Jl. DR. Mr. H. T. Muhammad 9 MAKASSAR POSS
Hasan, Gampong, Sukadamai Jl. Lamadukelleng Buntu No. 82 * Khusus menangani Asuransi Syariah
Mariso, Kunjung Mae, Makassar * Specifically handles Sharia Insurance
Kec. Lueng Bata, Kota Banda Aceh ** Per bulan Agustus-Desember 2024, lokasi
Sulawesi Selatan 90111 PoSS Pondok Indah dan Cibubur pindah ke
Telp: 021-529-61777 Head Office (Jl. H.R. Rasuna Said Kav C8-9,
Jakarta 12920)
** From August to December 2024, the PoSS
Pondok Indah and Cibubur location will be
relocated to the Head Office (Jl. H.R. Rasuna
Said Kav C8-9, Jakarta 12920)
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 53
Page 56
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Produk, Layanan dan Kegiatan Usaha [OJK C.4]
[GRI 2-6]
Products, Services, and Business Activities [OJK C.4] [GRI 2-6]
Produk
Product
Tugu Insurance terus melakukan terobosan dan inovasi Tugu Insurance relentlessly makes breakthroughs and
untuk memberikan layanan perlindungan terbaik melalui innovations to provide the best protection services
berbagai produk asuransi di segmen korporasi dan retail through various products in corporate and retail segments
(baik konvensional dan syariah) dan juga reasuransi. Saat (conventional and sharia) and reinsurance. Currently, the
ini jumlah produk berizin OJK yang dimiliki perseroan number of OJK licensed products owned by the company is
sekitar 100 produk asuransi. approximately 100 insurance products.
Informasi produk dan jasa secara terperinci juga disajikan Detailed product and service information is also presented
dalam Laporan Tahunan 2024 pada bagian profil in the 2024 Annual Report in the Company Profile chapter.
perusahaan. Namun secara ringkas, produk dan jasa Tugu However, in brief, Tugu Insurance’s products and services
Insurance dapat diuraikan sebagai berikut: can be described as follows:
Asuransi Umum
General Information
Segmentasi Pasar Jenis Asuransi
Market Segmentation Type of Insurance
Korporasi • Asuransi Kebakaran dan Harta Benda | Fire and Property Insurance
Corporate • Asuransi Rekayasa | Engineering Insurance
• Asuransi Pengangkutan | Cargo Insurance
• Asuransi Rangka kapal | Marine Hull Insurance
• Asuransi Kredit dan Penjaminan | Credit and Suretyship Insurance
• Asuransi Tanggung Gugat | Liability Insurance
• Asuransi Energi Offshore dan Onshore | Energy Offshore and Onshore Insurance
• Asuransi Kesehatan | Health Insurance
• Asuransi Aviasi | Aviation Insurance
• Asuransi Satelit | Satellite Insurance
• Asuransi Aneka | Miscellaneous Insurance
• Asuransi Kecelakaan Diri | Personal Accident Insurance
Ritel • Asuransi Kendaraan Bermotor (t ride dan t drive) | Motor Vehicle Insurance (t ride and t drive)
Retail • t downpayment | t downpayment
• t home | t home
• t store | t store
• t foid | t foid
• t dengue | t dengue
• t protect | t protect
• t travella | t travella
• t fracture | t fracture
• t mudik | t mudik
• Asuransi t personal cyber | t personal cyber insurance
• t gas | t gas
• t lube | t lube
Layanan
Services
Untuk mendukung kinerja produk yang ditawarkan kepada To support the performance of its insurance products, Tugu
pelanggan, Tugu Insurance turut memberikan pelayanan Insurance also provides the best service that customers
terbaik yang dapat dijangkau oleh para pelanggan. can reach.
1 2 3
Layanan Layanan Layanan
Management Risiko Pemeriksaan Risiko Penilaian Risiko
Risk Management Risk Valuation Risk Survey/Assesment
54 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 57
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Fasilitas dan layanan pendukung yang dapat dijangkau oleh Supporting facilities and services for the customers are
pelanggan antara lain: as follows:
Call TIA (Tugu Insurance Assistance)
Pelayanan Konsumen tersedia 24 jam 7 hari melalui “Call TIA” 1500 458, WhatsApp
0811 97 900 100 dan email ke calltia@tugu.com. Call TIA selalu terjaga untuk melayani
kebutuhan informasi produk, layanan polis asuransi, lapor klaim, hingga bantuan darurat di
jalan raya.
Customer Service is available 24/7 via “Call TIA” 1500 458, WhatsApp 0811 97 900
100 and email to calltia@tugu. com. Call TIA is always ready to serve product information,
insurance policy services, claim reports, and so on, down to emergency assistance on
the road.
t rex (Tugu Real Experience)
Layanan bantuan 24 jam yang dilengkapi dengan tiga jenis armada yaitu unit kendaraan
derek, unit kendaraan towing dan sepeda motor. Tugu Insurance memberikan penanganan
darurat pertama, dimulai dari kejadian ban bocor, jumper aki, hingga kejadian yang tak
terduga seperti kecelakaan di jalan raya.
A 24-hour support service equipped with three types of fleets, namely towing vehicles and
motorbikes. Tugu Insurance provides first emergency response, starting from a leaky tire,
battery jumper, to unexpected incidents such as road accidents.
Point of Sales & Services (PoSS)
Tugu Insurance memiliki 31 PoSS yang tersebar di seluruh Indonesia untuk dapat
membantu pelanggan di seluruh area. Para pelanggan dapat langsung datang ke PoSS
terdekat dari domisili untuk mendapatkan layanan antara lain mengetahui produk
informasi, melakukan pembelian asuransi sampai dengan pengajuan klaim.
Tugu Insurance has 31 PoSS spread throughout Indonesia to assist customers in all areas.
Customers can come directly to the nearest PoSS from their domicile to obtain services,
including finding out product information, purchasing insurance, and submitting claims.
t friends | t friends
Untuk mempermudah tenaga pemasaran Tugu Insurance baik internal (marketing officer)
maupun eksternal (agent Tugu Insurance) dalam menjual produk Asuransi dari Tugu
Insurance. Aplikasi t friends dapat diunduh melalui Google Play untuk platform Android dan
Apple App Store.
This app provides convenience for Tugu Insurance’s marketing personnel, both internal
(marketing officer) and External (Tugu Insurance agent) to sell insurance products from
Tugu Insurance. The t friends application can be downloaded via Google Play for the
Android platform and the Apple App Store.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 55
Page 58
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Sosial Media | Social Media
Untuk dapat menjangkau seluruh stakeholder dan masyarakat maka kami hadir dalam
berbagai platform Sosial Media (Instagram, Facebook, Twitter, Linkedin, Youtube dan Tiktok)
untuk mengetahui informasi produk dan layanan, serta berbagai informasi terkini Tugu
Insurance. Kunjungi dan ikuti akun sosial media Tugu Insurance melalui:
To be able to reach all stakeholders and the public, we are present on various Social Media
platforms (Instagram, Facebook, Twitter, Linkedin, Youtube and Tiktok), so that they can find
product and service information, as well as the latest information of Tugu Insurance. Visit
and follow Tugu Insurance social media account via:
Instagram: @tuguinsurance | @lifeattugu
Facebook: @tuguinsurance.id
Linkedin: PT Asuransi Tugu Pratama Indonesia Tbk
X: @tuguinsurance
TikTok: @tuguinsurance
Youtube: Tugu Insurance
Pasar yang Dilayani
Market Served
Tugu Insurance senantiasa berkomitmen untuk memberikan pelayanan asuransi umum
yang optimal, tepat guna dan unggul bagi semua level pelanggan yang tersebar di seluruh
penjuru Nusantara. Dalam aktivitas operasionalnya, Tugu Insurance didukung oleh entitas
anak perusahaan ataupun TUGU Group melalui ekstensifikasi bisnis yang inovatif.
Tugu Insurance is constantly committed to affording optimal, efficient, and excellent
general insurance services for all levels of customers spread throughout the archipelago.
In its operational activities, Tugu Insurance is supported by its subsidiaries as well as
TUGU Group through innovative business extensification.
56 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 59
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Keanggotaan Asosiasi [OJK C.5] [GRI 2-28]
Membership in Association [OJK C.5] [GRI 2-28]
Tugu Insurance turut berperan aktif di dalam berbagai Tugu Insurance actively participates in various associations
asosiasi yang relevan dan mendukung kegiatan usaha which are relevant and supportive to its business
Perseroan. Tugu Insurance meyakini dengan keikutsertaan activities. Tugu Insurance believes that its participation
dalam asosiasi-asosiasi tersebut menambah nilai manfaat in the associations will expand network and gain more
jaringan dan informasi berbagai perkembangan yang terkait information on developments related to business
pengelolaan bisnis, serta membantu menyuarakan aspirasi management, and help to express the stakeholders’
para pemangku kepentingan. Daftar asosiasi yang diikuti aspirations. As of the reporting period, Tugu Insurance has
oleh Tugu Insurance sampai dengan periode pelaporan, participated in the following associations:
adalah sebagai berikut:
Nama Asosiasi Status Keanggotaan
Association Name Membership Status
Asosiasi Asuransi Umum Indonesia (AAUI) Anggota & Pengurus
Indonesian General Insurance Association (AAUI) Member & Management
Asosiasi Asuransi Syariah Indonesia (AASI) Anggota & Pengurus
Indonesian Sharia Insurance Association (AASI) Member & Management
Dewan Asuransi Indonesia (DAI) Anggota & Pengurus
Indonesian Insurance Council (DAI) Member & Management
Asosiasi Emiten Indonesia (AEI) Anggota
Indonesian Public Listed Companies Association (AEI) Member
Kamar Dagang & Industri Indonesia (KADIN) Anggota
Indonesian Chamber of Commerce & Industry (KADIN) Member
Anggota
Indonesia Corporate Secretary Association (ICSA)
Member
Indonesia Senior Executive Association (ISEA) Corporate Strategic Partner
PERHUMAS (Perhimpunan Hubungan Masyarakat Indonesia) Anggota
PERHUMAS (Indonesian Public Relations Association) Member
Anggota & Pengurus
PR Society Communication Management
Member & Management
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 57
Page 60
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Perubahan Signifikan [OJK C.6] [GRI 2-6]
Significant Changes [OJK C.6] [GRI 2-6]
Selama periode pelaporan, terdapat perubahan signifikan During the reporting period, there were significant
di Tugu Insurance berupa perubahan komposisi Dewan changes at Tugu Insurance in the form of changes in the
Komisaris dan Jumlah Pemasok. Perubahan tersebut composition of the Board of Commissioners and Number of
antara lain: Suppliers. These changes are in the following table:
1. Pemberhentian dengan hormat Nyonya Dian Masyita 1. Honorable dismissal of Mrs. Dian Masyita effective
terhitung sejak ditutupnya Rapat dengan ucapan terima as of the closing of the Meeting with gratitude
kasih atas segala sumbangan, tenaga dan pikiran yang for all contributions, energy and thoughts given
diberikan selama menjabat sebagai Presiden Komisaris during her term as President Commissioner and
merangkap Komisaris Independen; Independent Commissioner;
2. Pengangkatan kembali Tuan Emil Hakim sebagai 2. Reappointment of Mr. Emil Hakim as Director of Finance
Direktur Keuangan dan Layanan Korporat terhitung and Corporate Services effective as of the closing of
sejak ditutupnya Rapat sampai dengan penutupan the Meeting until the closing of the 3rd (third) Annual
Rapat Umum Pemegang Saham (RUPS) Tahunan ke-3 General Meeting of Shareholders (GMS) at the end
(ketiga) pada akhir 1 (satu) periode masa jabatan of 1 (one) term of office with due observance of the
dimaksud dengan memperhatikan ketentuan Anggaran provisions of the Company’s Articles of Association and
Dasar Perseroan dan peraturan perundang-undangan applicable laws and regulations, without prejudice to
yang berlaku, namun demikian tidak mengurangi hak the GMS right to dismiss the member of the Board of
RUPS untuk memberhentikan anggota Direksi tersebut Directors at any time before the term of office ends;
sewaktu sebelum masa jabatan berakhir;
3. Pengangkatan Tuan Abdul Ghofar sebagai Presiden 3. Appointment of Mr. Abdul Ghofar as President
Komisaris merangkap Komisaris Independen terhitung Commissioner and Independent Commissioner effective
efektif sejak tanggal ditetapkannya Hasil Penilaian from the date of the Fit and Proper Test Results from
Kemampuan dan Kepatutan Otoritas Jasa Keuangan Financial Services Authority (OJK) and ends at the
(OJK) dan berakhir pada penutupan RUPS Tahunan closing of the 3rd (third) Annual GMS at the end of
ke-3 (ketiga) pada akhir 1 (satu) periode masa 1 (one) term of office with due observance of the
jabatan dimaksud dengan memperhatikan ketentuan provisions of the Company’s Articles of Association and
Anggaran Dasar Perseroan dan peraturan perundang- applicable laws and regulations, without prejudice to the
undangan yang berlaku, namun demikian tidak GMS rights to dismiss the Commissioner at any time
mengurangi hak RUPS untuk memberhentikan Anggota before the end of his/her term of office.
Komisaris tersebut sewaktu-waktu sebelum masa
jabatannya berakhir.
Uraian
2024 2023
Description
Perubahan pada Manajemen
Changes in Management
Dewan Komisaris
Board of Commissioners
• Presiden Komisaris dan Komisaris Independen
Abdul Ghofar* Dian Masyita
President Commissioner and Independent Commissioner
• Komisaris Independen
Poerwo Tjahjono Poerwo Tjahjono
Independent Commissioner
• Komisaris Independen
Tajudin Noor Tajudin Noor
Independent Commissioner
58 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 61
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Uraian
2024 2023
Description
• Komisaris
Bagus Agung Rahadiansyah Bagus Agung Rahadiansyah
Commissioner
• Komisaris
Samuel Ramna Samuel Ramna
Commissioner
Perubahan jumlah pemasok
129 89
Change in the total suppliers
*Pengangkatan oleh RUPST Tanggal 29 April 2024 dan telah mendapatkan hasil penilaian kemampuan dan kepatutan dari Otoritas Jasa Keuangan (OJK)
terhitung tanggal 3 Desember 2024.
*Appointment by the GMS dated 29 April 2024 and has received the fit and proper test results from the Financial Services Authority (OJK) as of 3
December 2024.
Rantai Pasokan [GRI 2-6]
Supply Chain [GRI 2-6]
Rantai pasokan adalah pihak ketiga (disebut juga mitra The supply chain is a third party (also known as a business
bisnis) yang karena keahliannya mereka menjalankan partner) who is employed to undertake part of the
sebagian proses bisnis perusahaan. Berikut ini adalah data Company’s business processes due to its expertise. The
jumlah pemasok dan nilai kontrak pekerjaan yang bekerja following is data on total suppliers and the contract values
sama dengan Perusahaan. of cooperation with the Company.
Jumlah Pemasok Barang dan Jasa Nilai Kontrak Pekerjaan (Rupiah)
Lokasi Geografis
Total Goods and Services Suppliers Work Contract Value (Rupiah)
Pemasok
Supplier Location 2024 2023 2022 2024 2023 2022
Nasional (Lokal)
122 93 94 71.890.533.660 85.614.338.007 227.836.724.422
National (Local)
Internasional
7 5 3 1.107.086.219 473.902.342 351.445.260
International
Jumlah
129 98 97 72.997.619.879 86.088.240.349 228.188.169.682
Total
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 59
Page 62
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Inisiatif Eksternal
External Initiatives
Pada tahun 2024, Perseroan mendapatkan berbagai In 2024, the Company obtained many awards from external
penghargaan dari pihak eksternal, antara lain: parties, including:
Best Public Relations in Digitalization Innovation to Reach
Positive Performance Growth (Category General Insurance)
Tanggal Januari 2024
Date January 2024
Nama Acara
Indonesia Public Relation Awards (IPRA) 2024
Name of Event
Diberikan oleh
Warta Ekonomi
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
Best Performance Chief Financial Officer in Optimizing Business Line
Performance to Reach Profitability (Category General Insurance)
Tanggal Januari 2024
Date January 2024
Nama Acara
Indonesia Best CFO Awards 2024
Name of Event
Diberikan oleh
Warta Ekonomi
Awarded By
Penerima Penghargaan Emil Hakim
Award Recipient (Finance & Corporate Service Director of Tugu Insurance)
Best Stock Awards 2024 kategori Sektor Keuangan Mid Cap
Best Stock Awards 2024, Mid Cap Financial Sector Category
Tanggal Januari 2024
Date January 2024
Nama Acara
Best Stock Awards
Name of Event
Diberikan oleh
Investor Trust & Infovesta
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
60 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 63
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Indonesia’s TOP 20 Digital Financial Brands Awards 2024
(E-Customer Service in General Finance Category)
Tanggal Februari 2024
Date February 2024
Nama Acara The 5th Indonesia’s Top 20 Digital Financial
Name of Event Brands Awards 2024
Diberikan oleh
The Iconomics
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
Call Center Car Insurance for Achieving “Excellent” Service Performance
Tanggal Februari 2024
Date February 2024
Nama Acara
Contact Center Service Excellence Award 2024
Name of Event
Diberikan oleh Majalah Marketing bekerjasama dengan Carre CCSL
Awarded By Marketing Magazine in collaboration with Carre CCSL
Penerima Penghargaan
Tugu Insurance
Award Recipient
Indonesia Excellence Good Corporate Governance Ethic in Enhancing
Corporate Positive Performance (Category General Insurance)
Tanggal Maret 2024
Date March 2024
Nama Acara
Indonesia Excellence GCG Awards 2024
Name of Event
Diberikan oleh
Warta Ekonomi
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
Best CEO Awards 2024 (Category General Insurance)
Tanggal Maret 2024
Date March 2024
Nama Acara
The 5th Indonesia CEO Awards
Name of Event
Diberikan oleh
The Iconomics
Awarded By
Penerima Penghargaan
Tatang Nurhidayat (President Director of Tugu Insurance)
Award Recipient
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 61
Page 64
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
The Most Innovative General Insurance for Technology Implementation
to Provide Reliable Service (Category General Insurance)
Tanggal Maret 2024
Date March 2024
Nama Acara
Indonesia Digital Innovation Awards 2024
Name of Event
Diberikan oleh
Warta Ekonomi
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
The Best General Insurance CEO in Digital Brand 2024
Tanggal April 2024
Date April 2024
Nama Acara
13th Digital Brand Awards 2024
Name of Event
Diberikan oleh
Infobank
Awarded By
Penerima Penghargaan
Tatang Nurhidayat (President Director of Tugu Insurance)
Award Recipient
2nd Winner of Best External Market Penetration 2023
Tanggal April 2024
Date April 2024
Nama Acara
Synergy Recharge Expo
Name of Event
Diberikan oleh
Pertamina
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
3rd Winner of Best Value Creation Achievement 2023
Tanggal April 2024
Date April 2024
Nama Acara
Synergy Recharge Expo
Name of Event
Diberikan oleh
Pertamina
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
62 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 65
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Indonesia Best 50 CSR Brand Equity Awards 2024
Tanggal Mei 2024
Date May 2024
Nama Acara
Indonesia 50 Best CSR Awards 2024
Name of Event
Diberikan oleh
The Iconomics
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
Best Leader for Business Development in Providing Insurance Service to
the Broader Segment (Category General Insurance Total Asset Above 5T)
Tanggal Mei 2024
Date May 2024
Nama Acara
Indonesia Financial Top Leader Awards 2024
Name of Event
Diberikan oleh
Warta Ekonomi
Awarded By
Penerima Penghargaan
Tatang Nurhidayat (President Director of Tugu Insurance)
Award Recipient
The Best Sectors Investortrust Companies 2024
(Sektor Keuangan) | (Financial Sector)
Tanggal Mei 2024
Date May 2024
Nama Acara
The Best InvestorTrust Companies 2024
Name of Event
Diberikan oleh
Investor Trust
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
Bisnis Indonesia Awards - Kategori Asuransi 2024
Bisnis Indonesia Awards - Insurance Category 2024
Tanggal Juni 2024
Date June 2024
Nama Acara
Bisnis Indonesia Awards 2024
Name of Event
Diberikan oleh
Bisnis Indonesia
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 63
Page 66
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Indonesia Top 10 SOEs Popular Leader 2024
Tanggal Juni 2024
Date June 2024
Nama Acara
Top 10 SOEs Popular Leaders Awards 2024
Name of Event
Diberikan oleh
The Iconomics
Awarded By
Penerima Penghargaan
Tatang Nurhidayat (President Director of Tugu Insurance)
Award Recipient
Best Brand Popularity in General Insurance Category
Tanggal Juni 2024
Date June 2024
Nama Acara
BUMN Brand Equity Awards 2024
Name of Event
Diberikan oleh
The Iconomics
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
Cedant Terbaik Pertumbuhan Premi Sesi Tahun 2023
Best Cedant, Premium Growth Session 2023
Tanggal Juni 2024
Date June 2024
Nama Acara
Maipark Awards 2024
Name of Event
Diberikan oleh
Maipark
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
Indonesia Best Sharia Business Unit of General Insurance 2024 with
Development of Strategic Collaboration to Strengthen Insurance Marketing &
Distribution Channel (Category Sharia Business Unit of General Insurance)
Tanggal Juli 2024
Date July 2024
Nama Acara
Indonesia Sharia and Halal Top Brand Awards 2024
Name of Event
Diberikan oleh
Warta Ekonomi
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
64 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 67
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Very Good in the HR Excellence Awards 2024
(Category Reward Management & Talent Retention Category)
Tanggal Juli 2024
Date July 2024
Nama Acara
HR Excellence Awards 2024
Name of Event
Diberikan oleh
SWA
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
Best Insurance Kategori Asuransi Umum Aset di atas 5 Triliun
Best Insurance of General Insurance Category for Assets above 5 Trillion
Tanggal Juli 2024
Date July 2024
Nama Acara
Investortrust Best Insurance 2024
Name of Event
Diberikan oleh
Investor Trust
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
The Excellent Performance General Insurance Company
(Gross Premium >IDR 2,5 Million)
Tanggal Juli 2024
Date July 2024
Nama Acara
Infobank 25th Insurance Awards
Name of Event
Diberikan oleh
Infobank
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
The Excellent Performance General Insurance Company in 10
Consecutive Years (2014-2023)
Tanggal Juli 2024
Date July 2024
Nama Acara
Infobank 25th Insurance Awards
Name of Event
Diberikan oleh
Infobank
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 65
Page 68
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Market Leaders Award 2024
Tanggal Juli 2024
Date July 2024
Nama Acara
2024 Insurance Market Leader Awards
Name of Event
Diberikan oleh
Media Asuransi
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
Indonesia Most Acclaimed Company 2024 with Outstanding Provision of Insurance
Product and Digital Service Diversification (Category General Insurance) of
Insurance Product and Digital Service Diversification (Category General Insurance)
Tanggal Juli 2024
Date July 2024
Nama Acara
Indonesia Most Acclaimed Companies (IMACO) Awards 2024
Name of Event
Diberikan oleh
Warta Ekonomi
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
Indonesia Popular Corporate Reputation Awards 2024
(Category General Insurance)
Tanggal Agustus 2024
Date August 2024
Nama Acara
Indonesia Corporate Reputation Awards 2024
Name of Event
Diberikan oleh
The Iconomics
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
Most Popular Brand of the Year 2024
(Category General Insurance)
Tanggal September 2024
Date September 2024
Nama Acara
7 Most Popular Brand of the Year 2024
Name of Event
Diberikan oleh
Jawa Pos
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
66 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 69
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Best General Insurance Sharia Unit (Ekuitas Rp25 Miliar - Rp100 Miliar)
Best General Insurance, Sharia Unit (Equity Rp25 Billion - Rp100 Billion)
Tanggal Oktober 2024
Date October 2024
Nama Acara
Best General Insurance Sharia Unit 2024
Name of Event
Diberikan oleh
Media Asuransi
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
Best General Insurance 2024 (Ekuitas Rp1,5 Triliun ke Atas)
Best General Insurance 2024 (Equity Rp1.5 Trillion and Above)
Tanggal Oktober 2024
Date October 2024
Nama Acara
Best General Insurance 2024
Name of Event
Diberikan oleh
Media Asuransi
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
The Best Sharia General insurance 2024
(Excellent Financial Performance 2023)
Tanggal Oktober 2024
Date October 2024
Nama Acara
Infobank 13th Sharia Awards
Name of Event
Diberikan oleh
Infobank
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
The Best State Owned Enterprise Subsidiary 2024
(Excellent Financial Performance 2023)
Tanggal Oktober 2024
Date October 2024
Nama Acara
The Best SOE
Name of Event
Diberikan oleh
The Asian Post
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 67
Page 70
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
The Best Performing General Insurance 2024 Based on Financial Performance
2021-2023 (General Insurance Category with Premium Gross Above 2,5 Trillion)
Tanggal Oktober 2024
Date October 2024
Nama Acara
Top 20 Financial Institutions 2024
Name of Event
Diberikan oleh
The Finance
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
Best of The Best CFO in Financial Institution 2024
(General Insurance Category with Premium Gross Above 2,5 Trillion)
Tanggal Oktober 2024
Date October 2024
Nama Acara
The Finance Best CFO 2024
Name of Event
Diberikan oleh
The Finance
Awarded By
Penerima Penghargaan Emil Hakim
Award Recipient (Finance & Corporate Service Director of Tugu Insurance)
The Outstanding Achievement in Energy & Corporate Insurance Solutions
Tanggal Oktober 2024
Date October 2024
Nama Acara
CSA Awards 2024
Name of Event
Diberikan oleh
CSA
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
Indonesia Most Reputable Companies 2024 Predicate Very Good
(Category General Insurance)
Tanggal November 2024
Date November 2024
Nama Acara
Indonesia Most Reputable Companies 2024
Name of Event
Diberikan oleh
SWA
Awarded By
Penerima Penghargaan
Tugu Insurance
Award Recipient
68 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 71
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Best Chief Marketing Officer 2024 in Optimizing Market Potential
to Increase Premium Revenue Growth
Tanggal November 2024
Date November 2024
Nama Acara
Indonesia Best CMO Awards 2024
Name of Event
Diberikan oleh
Warta Ekonomi
Awarded By
Penerima Penghargaan Ery Widiatmoko
Award Recipient (Insurance Marketing Director of Tugu Insurance)
Infobank Top 100 CEO
Tanggal November 2024
Date November 2024
Nama Acara
Infobank Top 100 CEO 2024
Name of Event
Diberikan oleh
Infobank
Awarded By
Penerima Penghargaan Tatang Nurhidayat
Award Recipient (President Director of Tugu Insurance)
Infobank The 200 Future Leader 2024
Tanggal November 2024
Date November 2024
Nama Acara
Infobank The 200 Future Leaders Forum 2024
Name of Event
Diberikan oleh
Infobank
Awarded By
Penerima Penghargaan Sudarlin
Award Recipient (Technical Director of Tugu Insurance)
Infobank The 200 Future Leader 2024
Tanggal November 2024
Date November 2024
Nama Acara
Infobank The 200 Future Leaders Forum 2024
Name of Event
Diberikan oleh
Infobank
Awarded By
Penerima Penghargaan Emil Hakim
Award Recipient (Finance & Corporate Service Director of Tugu Insurance)
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 69
Page 72
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
70 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 73
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 71
Page 74
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Tata Kelola Keberlanjutan
Sustainability Governance
Tugu Insurance konsisten menerapkan tata kelola Tugu Insurance consistently implements sustainability
keberlanjutan yang berlandaskan pada prinsip GCG (Good governance based on the principles of GCG (Good
Corporate Governance), prinsip ESG (Environmental, Social, Corporate Governance) and ESG (Environmental, Social,
and Governance) menjaga kepatuhan pada peraturan and Governance), to ensure compliance with applicable
perundangan-undangan dan ketentuan yang berlaku umum laws and regulations, as well as business ethics. The
serta etika bisnis. Penerapan tata kelola keberlanjutan implementation of sustainability governance has driven
telah mendorong Tugu Insurance untuk mengelola Tugu Insurance to manage its business in a sound and
usaha secara sehat dan transparan, serta menciptakan transparent manner, fostering trust among stakeholders.
kepercayaan para pemangku kepentingan.
Praktik GCG di Tugu Insurance mengacu pada berbagai The GCG practices at Tugu Insurance refer to various
ketentuan perundang-undangan seperti Peraturan OJK laws and regulations, such as OJK Regulation No. 73/
No. 73/POJK.05/2016 Tahun 2016 tentang Tata Kelola POJK.05/2016 of 2016 on Good Corporate Governance
Perusahaan yang Baik bagi Perusahaan Perasuransian, for Insurance Companies, Minister of SOEs Regulation
Peraturan Menteri BUMN No. PER-2/MBU/03/2023 No. PER-2/MBU/03/2023 on Governance Guidelines and
tentang Pedoman Tata Kelola Dan Kegiatan Korporasi Significant Corporate Activities for SOEs, as well as General
Signifikan BUMN, serta Pedoman Umum Governansi Guidelines for Indonesian Corporate Governance (PUGKI)
Korporasi Indonesia (PUGKI) yang diterbitkan oleh Komite issued by the National Committee on Governance Policy
Nasional Kebijakan Governansi (KNKG). Sementara, (KNKG). In addition, as an insurance company with a Sharia
sebagai perusahaan asuransi dengan unit usaha Syariah, business unit, Tugu Insurance operates in full compliance
Tugu Insurance beroperasi dengan patuh terhadap with Sharia principles.
prinsip-prinsip Syariah.
72 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 75
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Sebagai bagian dari komitmennya terhadap GCG, Tugu As part of its commitment to GCG, Tugu Insurance
Insurance menjamin kepatuhan terhadap semua undang- is committed to comply with all applicable laws and
undang dan peraturan yang berlaku. Perseroan terus regulations, as well as provisions. The Company
memperbarui pedoman dan prosedur operasi yang continuously updates its operational guidelines and
berlaku sesuai dengan peraturan perundangan, diikuti procedures in accordance with prevailing laws and
oleh sosialisasi dan penerapan yang direncanakan. regulations, followed by planned dissemination and
Secara konsisten, Tugu Insurance berusaha untuk implementation. Consistently, Tugu Insurance strives to
mengintegrasikan prinsip dan praktik keberlanjutan dalam integrate sustainability principles and practices into every
setiap perencanaan dan keputusan yang dibuat, dengan plan and decision made, considering three key elements:
mempertimbangkan tiga elemen penting: manusia, planet, people, planet, and profit.
dan keuntungan.
Struktur Tata Kelola [OJK E.1][GRI 2-9, 2-10, 2-11, 2-12, 2-13, 2-14]
Governance Structure [OJK E.1][GRI 2-9, 2-10, 2-11, 2-12, 2-13, 2-14]
Berdasarkan Undang-Undang No. 40 Tahun 2007 tentang Based on Law No. 40 of 2007 on Limited Liability
Perseroan Terbatas dan Anggaran Dasar, Tugu Insurance Companies and the Articles of Association, Tugu Insurance
memiliki organ utama tata kelola yaitu Rapat Umum has the main governance organs consisting of the General
Pemegang Saham, Dewan Komisaris dan Direksi. Tata Meeting of Shareholders, the Board of Commissioners, and
kelola ini, sekaligus sebagai bentuk penerapan kebijakan the Board of Directors. This governance stands as a form
mengenai pemisahan tugas pengelolaan usaha yang to apply policies on separation of business management
dilaksanakan oleh Direksi (CEO) dan pengawasan yang duties carried out by the Board of Directors (CEO) and
dijalankan oleh Dewan Komisaris (Chairman of the Board). supervision carried out by the Board of Commissioners
Penjelasan singkat organ tata kelola Tugu Insurance (Chairman of the Board). A brief explanation of Tugu
disajikan sebagai berikut: [ESG G-03] Insurance governance organs is presented as follows: [ESG
G-03]
1. Rapat Umum Pemegang Saham 1. General Meeting of Shareholders (GMS)
Rapat Umum Pemegang Saham (RUPS) merupakan The General Meeting of Shareholders (GMS) holds the
pemegang kekuasaan tertinggi di dalam Perseroan highest authority in a Limited Liability Company and
Terbatas dan pemegang segala kewenangan yang tidak possesses all powers not delegated to the Board of
diserahkan kepada Dewan Komisaris dan Direksi dalam Commissioners and the Board of Directors, within the
batas yang telah ditentukan oleh Undang-Undang dan/ limits set by law and/or the Articles of Association.
atau Anggaran Dasar. Sesuai dengan Undang-Undang In accordance with Law No. 40 of 2007 on Limited
No. 40 Tahun 2007 tentang Perseroan Terbatas, Liability Companies, the GMS consists of the Annual
penyelenggaraan RUPS terdiri dari RUPS Tahunan General Meeting of Shareholders (AGMS), which is held
(RUPST) yang diadakan satu kali dalam satu tahun, once a year, and the Extraordinary General Meeting
dan RUPS Luar Biasa (RUPSLB) yang dapat diadakan of Shareholders (EGMS), which may be organized at
sewaktu-waktu atas permintaan salah satu Organ any time upon request from one of the Company’s
Perseroan. governing organs.
Selama periode pelaporan 2024, Tugu Insurance During the 2024 reporting period, Tugu Insurance
mengadakan RUPST sebanyak 1 (satu) kali pada held 1 (one) GMS on 29 April 2024. The GMS was
29 April 2024. Penyelenggaraan RUPS dilakukan conducted in accordance with OJK Regulation No. 15/
sesuai dengan Peraturan OJK No. 15/POJK.04/2020 POJK.04/2020 on the Planning and Implementation of
tentang Rencana dan Penyelenggaraan Rapat Umum General Meetings of Shareholders for Public Companies,
Pemegang Saham Perusahaan Terbuka, Anggaran Dasar, the Articles of Association, and applicable laws and
dan peraturan perundang-undangan yang berlaku. regulations. Based on these provisions, Tugu Insurance
Berdasarkan ketentuan tersebut, Tugu Insurance applies fair and equal treatment to shareholders. [ESG
menerapkan perlakuan yang adil dan setara terhadap G-8]
pemegang saham. [ESG G-8]
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 73
Page 76
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
2. Dewan Komisaris 2. The Board of Commissioners
Dewan Komisaris merupakan Organ Perseroan yang The Board of Commissioners is an organ of the
bertugas untuk melakukan pengawasan dan memberi Company responsible for overseeing and providing
nasihat kepada Direksi atas implementasi rencana advice to the Board of Directors related to the
kerja, strategi bisnis, serta penerapan peraturan dan implementation of work plans, business strategies,
undang-undang yang berlaku sesuai Anggaran Dasar. and compliance with applicable laws and regulations in
Dalam melaksanakan tugasnya, Dewan Komisaris accordance with the Articles of Association. In carrying
dibantu oleh berbagai organ pendukung dan komite, out its duties, the Board of Commissioners is supported
seperti: by various supporting bodies and committees, including:
a. Komite Audit; a. Audit Committee;
b. Komite Pemantau Risiko; b. Risk Monitoring Committee;
c. Komite Nominasi dan Remunerasi; c. Nomination and Remuneration Committee;
d. Komite Tata Kelola Terintegrasi; d. Integrated Governance Committee;
e. Sekretariat Dewan Komisaris. e. Secretary of the Board of Commissioners.
3. Dewan Pengawas Syariah 3. Sharia Supervisory Board
Dewan Pengawas Syariah merupakan bagian dari The Sharia Supervisory Board is part of the Company’s
organ Perseroan yang mempunyai tugas dan fungsi organ that has supervisory duty and function on the
pengawasan terhadap penyelenggaraan usaha Company’s business operations to ensure compliance
Perseroan agar sesuai dengan prinsip syariah. with Sharia principles.
4. Direksi 4. The Board of Directors
Direksi merupakan organ Perseroan yang berwenang The Board of Directors is the Company’s organ
dan bertanggung jawab penuh atas pengurusan authorized and fully responsible for managing the
Perseroan untuk kepentingan Perseroan, sesuai dengan Company in its best interests, in accordance with its
maksud dan tujuan Perseroan serta mewakili Perseroan, vision and objectives, and representing the Company
baik di dalam maupun di luar pengadilan sesuai dengan both in and out of court as stipulated in the Articles
ketentuan anggaran dasar. of Association.
Sementara itu, struktur tata kelola Tugu Insurance dapat The governance structure of Tugu Insurance is presented
disajikan sebagai berikut: [GRI 2-9] as follows: [GRI 2-9]
Struktur Tata Kelola Tugu Insurance
Governance Structure of Tugu Insurance
RUPS
GMS
Dewan Pengawas
Syariah
Dewan Komisaris Direksi
Board of Commissioners Board of Directors
Sharia Supervisory Board
Komite Pemantau
Komite Audit Sekretaris Perusahaan Audit Internal
Risiko
Audit Commitee Corporate Secretary Internal Audit
Risk Monitoring Committee
Komite Nominasi Komite Tata Kelola
Kepatuhan Manajemen Risiko
dan Remunerasi Terintegrasi
Compliance Risk Management
Nomination and Integrated Governance
Remuneration Committee Committee
Fungsi/Unit Lain
Komite-Komite
sebagaimana Struktur
Committees
Sekretaris Dewan Komisaris Organisasi
Secretary of the Board of Other Functions/Units
Commissioners Komite Investasi as in the
Investment Committee Organization Structure
Komite Manajemen Risiko
Risk Management Committee
Komite Pengarah Teknologi
Informasi
Information Technology
Steering Committee
74 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 77
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Menurut anggaran dasar dan peraturan perundang- According to the Articles of Association as well as
undangan, setiap bagian dari struktur tata kelola memiliki applicable laws and regulations, each component of
wewenang dan tanggung jawab yang jelas sesuai dengan the governance structure has clear authorities and
fungsinya. Namun demikian, keduanya mempunyai responsibilities based on its function. However, both share
tanggung jawab untuk memelihara kesinambungan usaha the duty of ensuring the Company’s long-term business
Perseroan dalam jangka panjang. Oleh karena itu, organ sustainability. Therefore, these governance bodies must
tata kelola tersebut harus memiliki kesamaan pandangan have a unified perspective on the Company’s vision,
terhadap visi, misi dan nilai-nilai Perseroan. mission, and values.
Badan Tata Kelola Tertinggi dan Penanggung Jawab Penerapan Keuangan
Berkelanjutan [OJK E.1][GRI 2-9, 2-10, 2-11, 2-12, 2-13, 2-14]
Governance Structure and Party in Charge of Sustainable Finance Implementation
[OJK E.1][GRI 2-9, 2-10, 2-11, 2-12, 2-13, 2-14]
Dewan Komisaris [GRI 2-11] Board of Commissioners [GRI 2-11]
Dewan Komisaris memiliki tugas melakukan pengawasan The Board of Commissioners is responsible for performing
secara umum dan/atau khusus sesuai dengan general and/or specific supervision in accordance with
Anggaran Dasar serta memberikan nasihat kepada the Articles of Association and providing advice to the
Direksi. Dalam pelaksanaan tugasnya, Dewan Komisaris Board of Directors. The Board of Commissioners carries
mempertimbangkan aspek-aspek keberlanjutan, yaitu out its duties by considering sustainability aspects, which
bidang ekonomi, sosial dan lingkungan. Dewan Komisaris are economic, social, and environmental aspects. The
bertanggung jawab secara kolektif untuk melakukan Board of Commissioners collectively oversees and advises
pengawasan dan memberikan nasihat kepada Direksi serta the Board of Directors while ensuring that the Company
memastikan bahwa Perseroan melaksanakan GCG pada implements GCG at all levels of the organization. Each
seluruh tingkatan atau jenjang organisasi. Kedudukan member of the Board of Commissioners, including the
masing-masing anggota Dewan Komisaris termasuk President Commissioner, holds an equal position.
Komisaris Utama adalah setara.
Dalam periode pelaporan ini, jumlah anggota Dewan In this reporting period, as of 31 December 2024, the
Komisaris per 31 Desember 2024 adalah sejumlah 5 number of Board of Commissioners members was five (5),
(lima) orang sebagai berikut: as follows:
Nama Jabatan Dasar Pengangkatan
Name Position Basis of Appointment
Abdul Ghofar* Presiden Komisaris dan Komisaris • Akta No. 78 tanggal 22 Mei 2024, dibuat di hadapan Mala
Independen Mukti,S.H.,LL.M Notaris di Jakarta.
President Commissioner and • Akta No. 81 tanggal 20 Desember 2024, dibuat dihadapan Mala
Independent Commissioner Mukti, S.H., LL.M
• Deed No. 78 dated 22 May 2024, made before Mala Mukti, S.H.,
LL.M, a Notary in Jakarta.
• Deed No. 81 dated 20 December 2024, made before Mala Mukti,
S.H., LL.M.
Bagus Agung Rahadiansyah Komisaris • Akta No. 124 tanggal 23 April 2023 dibuat dihadapan Jose Dima
Commissioner Satria SH., MKn Notaris di Jakarta.
• Akta No. 118 tanggal 25 Juli 2023, Notaris Jose Dima Satria, S.H.,
M.Kn.
• Deed No. 124 dated 23 April 2023, made before Jose Dima Satria
SH., MKn, a Notary in Jakarta.
• Deed No. 118 dated 25 July 2023, Notary Jose Dima Satria, S.H.,
M.Kn.
Samuel Ramna Komisaris • Akta No. 124 tanggal 23 April 2023 dibuat dihadapan Jose Dima
Commissioner Satria SH., MKn Notaris di Jakarta.
• Akta No. 49 tanggal 11 Januari 2024, Notaris Jose Dima Satria, S.H,
M.Kn.
• Deed No. 124 dated 23 April 2023, made before Jose Dima Satria
SH., MKn, a Notary in Jakarta.
• Deed No. 49 dated 11 January 2024, Notary Jose Dima Satria, S.H.,
M.Kn.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 75
Page 78
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Nama Jabatan Dasar Pengangkatan
Name Position Basis of Appointment
Poerwo Tjahjono Komisaris Independen • Akta No. 116 tanggal 22 Juli 2020 dibuat dihadapan Jose Dima
Independent Commissioner Satria SH., MKn Notaris di Jakarta.
• Akta No. 37 tanggal 7 Desember 2020.
• Deed No. 116 dated 22 July 2020, made before Jose Dima Satria
SH., MKn, a Notary in Jakarta.
• Deed No. 37 dated 7 December 2020.
Tajudin Noor** Komisaris Independen • Akta No. 124 tanggal 28 April 2023 dibuat dihadapan Jose Dima
Independent Commissioner Satria SH., MKn Notaris di Jakarta.
• Akta No. 1 tanggal 1 Februari 2024, Notaris Jose Dima Satria, S.H,
M.Kn.
• Deed No. 124 dated 28 April 2023, made before Jose Dima Satria
SH., MKn, a Notary in Jakarta.
• Deed No. 1 dated 1 February 2024, Notary Jose Dima Satria, S.H.,
M.Kn.
*Diangkat oleh RUPST pada tanggal 29 April 2024 dan sudah efektif menjabat sesuai hasil kelulusan fit and proper test dari OJK tanggal 3 Desember 2024
**Diangkat oleh RUPST pada tanggal 28 April 2023 dan sudah efektif menjabat sesuai hasil kelulusan fit and proper test dari OJK tanggal 18 Januari
2024
*Appointed by the GMS on 29 April 2024 and effectively serving following OJK fit and proper test results dated 3 December 2024
**Appointed by the GMS on 28 April 2023 and effectively serving following OJK fit and proper test results dated 18 January 2024
Tugas dan Wewenang Dewan Komisaris [GRI Duties and Authorities of the Board of
2-12, 2-14] Commissioners [GRI 2-12, 2-14]
Dewan Komisaris bertanggung jawab untuk mengawasi The Board of Commissioners is responsible for overseeing
dan menasihati Direksi tentang pengurusan perusahaan. and advising the Board of Directors on the Company’s
Dewan Komisaris juga menasihati direksi tentang management. The Board of Commissioners also provides
pelaksanaan Rencana Jangka Panjang, Rencana Kerja, advice to the Board of Directors on the implementation of
dan Anggaran Perusahaan, serta peraturan perundang- the Long-Term Plan, Work Plan, and the Company Budget,
undangan yang berlaku dan keputusan Rapat Umum as well as compliance with applicable laws and resolutions
Pemegang Saham. Selain itu, Dewan Komisaris juga of the General Meeting of Shareholders. Additionally, the
bertanggung jawab untuk mengawasi penerapan dan Board of Commissioners is responsible for supervising
penyusunan kebijakan GCG di Perseroan. the implementation and formulation of GCG policies within
the Company.
Berdasarkan Anggaran Perseroan, Dewan Komisaris Based on the Company’s Articles of Association, the Board
melaksanakan tugas dan tanggung jawabnya sesuai of Commissioners performs its duties and responsibilities
Anggaran Dasar Perseroan, baik bersama-sama maupun in line with the Company’s Articles of Association,
sendiri-sendiri setiap waktu berwenang dan bertanggung both collectively and individually, and is authorized and
jawab untuk: responsible at all times to:
1. Melihat buku-buku, surat-surat, serta dokumen- 1. Overlook the books, letters, and other documents, as
dokumen lainnya, memeriksa kas untuk keperluan well as inspect the cash for verification purposes and
verifikasi dan lain-lain surat berharga dan memeriksa other securities, and examine the Company’s assets;
kekayaan Perseroan;
2. Memasuki pekarangan, gedung, dan kantor yang 2. Enter the premises, buildings, and offices used by the
dipergunakan oleh Perseroan; Company;
3. Mengetahui segala kebijakan dan tindakan yang telah 3. Understand all policies and actions that have been or
dan akan dijalankan oleh Direksi; will be carried out by the Board of Directors;
4. Meminta Direksi dan/atau pejabat lainnya dibawah 4. Request the Board of Directors and/or other officials
Direksi dengan sepengetahuan Direksi untuk under the Board of Directors, with the Board of
menghadiri rapat Dewan Komisaris. Directors’ approval, to attend Board of Commissioners’
meetings;
5. Meneliti, menelaah, serta menandatangani Rencana 5. Review, assess, and sign the Company’s Long-Term
Jangka Panjang Perseroan (RJPP) dan Rencana Kerja Plan (RJPP) and Work Plan and Budget (RKAP) prepared
dan Anggaran Perseroan (RKAP) yang disiapkan Direksi, by the Board of Directors, in accordance with the
sesuai dengan ketentuan Anggaran Dasar Perseroan; Company’s Articles of Association;
76 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 79
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
6. Memberikan nasihat kepada Direksi dalam 6. Provide advice to the Board of Directors in managing
melaksanakan pengurusan Perseroan; the Company;
7. Mengangkat dan memberhentikan Sekretaris 7. Appoint and dismiss the Secretary of the Board of
Dewan Komisaris; Commissioners;
8. Memberhentikan sementara anggota Direksi sesuai 8. Temporarily suspend members of the Board of
dengan ketentuan Anggaran Dasar Perseroan; Directors in accordance with the Company’s Articles of
Association;
9. Menggunakan tenaga ahli untuk hal tertentu dan dalam 9. Work with experts for specific matters and for a certain
jangka waktu tertentu atas beban Perseroan, jika period at the Company’s expense, if deemed necessary;
dianggap perlu;
10. Melakukan tindakan pengurusan Perseroan dalam 10. Perform managerial actions for the Company under
keadaan tertentu untuk jangka waktu tertentu sesuai certain circumstances and for a specific period,
dengan ketentuan Anggaran Dasar dan peraturan in accordance with the Articles of Association and
perundang-undangan; applicable laws and regulations;
11. Menghadiri Rapat Direksi dan memberikan pandangan- 11. Attend the Board of Directors’ meetings and provide
pandangan terhadap hal-hal yang dibicarakan; insights on matters discussed;
12. Melaksanakan kewenangan pengawasan lainnya 12. Carry out other supervisory authorities as long as they
sepanjang tidak bertentangan dengan peraturan do not contradict laws and regulations, the Articles of
perundang-undangan, Anggaran Dasar, dan/atau Association, and/or resolutions of the General Meeting
keputusan Rapat Umum Pemegang Saham; of Shareholders;
13. Mengikuti perkembangan kegiatan Perseroan, 13. Monitor the Company’s activities, provide opinions
memberikan pendapat dan saran kepada Rapat Umum and recommendations to the General Meeting of
Pemegang Saham; Shareholders;
14. Melaporkan dengan segera kepada Rapat Umum 14. Immediately report to the General Meeting of
Pemegang Saham apabila terjadi gejala menurunnya Shareholders if there is a decline in the Company’s
kinerja Perseroan atau kejadian penting lain yang perlu performance or other significant events requiring
diketahui oleh Rapat Umum Pemegang Saham; disclosure;
15. Meneliti dan menelaah laporan berkala dan Laporan 15. Review and evaluate periodic and Annual Reports
Tahunan yang disiapkan Direksi serta menandatangani prepared by the Board of Directors and sign the Annual
Laporan Tahunan; Report;
16. Memberikan penjelasan, pendapat dan saran kepada 16. Provide explanations, opinions, and recommendations
Rapat Umum Pemegang Saham mengenai Laporan on the Annual Report to the General Meeting of
Tahunan, apabila diminta; Shareholders, if requested;
17. Menyusun program kerja tahunan dan dimasukkan 17. Prepare annual work programs to be included in RKAP;
dalam RKAP;
18. Mengusulkan Akuntan Publik untuk melakukan 18. Propose a Public Accountant to Audit the annual
Audit laporan tahunan kepada Rapat Umum financial statements to the General Meeting of
Pemegang Saham; Shareholders;
19. Melaksanakan wewenang lainnya dalam rangka tugas 19. Carry out other authorities in the scope of supervision
pengawasan dan pemberian nasihat, sepanjang tidak and advisory duties, as long as they do not conflict
bertentangan dengan peraturan perundang-undangan, with applicable laws and regulations, the Articles of
Anggaran Dasar, dan/atau Keputusan Rapat Umum Association, and/or resolutions of the General Meeting
Pemegang Saham. of Shareholders.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 77
Page 80
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Dalam menjalankan tugas dan tanggung jawabnya, Dewan In carrying out its duties and responsibilities, the Board of
Komisaris membentuk Komite-Komite beserta tugas dan Commissioners establishes committees along with their
tanggung jawabnya yaitu: duties and responsibilities:
Organ Dewan Komisaris
Organs of the Board of Commissioners
Organ/Komite
di Bawah Dewan
Komisaris Tugas dan Tanggung Jawab
No
Organ/Committee Duties and Responsibilities
under the Board of
Commissioners
1 Komite Audit Komite Audit telah melakukan telaah atas Laporan Keuangan Perseroan dan Entitas Anak, mengevaluasi
Audit Committee perencanaan dan pelaksanaan audit serta memantau tindak lanjut hasil audit, dan merekomendasikan
penunjukan Kantor Akuntan Publik untuk melakukan audit atas Laporan Keuangan Perseroan dan
Entitas Anak; melakukan penelaahan atas kecukupan usaha manajemen dalam mendesain dan
melaksanakan sistem pengendalian internal yang efektif; melakukan koordinasi dengan internal auditor
dalam pelaksanaan tugasnya; melakukan pemantauan terhadap efektivitas manajemen dalam upaya
penilaian dan pengelolaan risiko serta kepatuhan terhadap peraturan perundang-undangan; melakukan
pemantauan terhadap efektivitas mekanisme pengaduan dari pegawai atau pihak ketiga yang dilakukan
oleh manajemen; serta menjaga kerahasiaan dokumen, data dan informasi perusahaan.
Dalam melaksanakan tugas dan tanggung jawabnya pada tahun 2024, Komite Audit telah mengadakan
43 kali rapat termasuk rapat koordinasi dengan Komite Komisaris lainnya, dan rapat dengan manajemen,
serta mengikuti pelatihan dan seminar dalam rangka pengembangan kompetensinya.
The Audit Committee has reviewed the Financial Statements of the Company and its Subsidiaries,
evaluated the planning and execution of audits, monitored follow-ups on audit results, and recommended
the appointment of a Public Accounting Firm to audit the Company's and its Subsidiaries' Financial
Statements; reviewed the adequacy of management's efforts in designing and implementing an effective
internal control system; coordinated with internal auditors in carrying out the duties; monitored the
effectiveness of management's efforts in risk assessment and management as well as compliance with
laws and regulations; monitored the effectiveness of complaint mechanism for employees or third parties
implemented by management; as well as ensured the confidentiality of the Company’s documents, data,
and information.
In carrying out its duties and responsibilities in 2024, the Audit Committee held 43 meetings, including
coordination meetings with other Board of Commissioners’ Committees and meetings with management,
as well as attended training and seminars for competency development.
2 Komite Pemantau Risiko Komite Pemantau Risiko telah menjalankan tugas untuk membantu Komisaris dalam mengawasi
Risk Monitoring Committee pelaksanaan manajemen risiko agar sesuai dengan kebijakan Perseroan, antara lain dengan mengawasi
agar keberadaan kebijakan manajemen risiko yang disusun oleh Direksi, termasuk toleransi yang diambil
telah memadai dan sesuai dengan kebutuhan Perseroan; mengawasi pengelolaan risiko di Perseroan,
khususnya usaha dan strategi yang dilakukan Direksi; mengawasi agar pelaporan risiko telah disampaikan
kepada Dewan Komisaris sesuai dengan ketentuan dan kebutuhan Dewan Komisaris; memastikan
dipatuhinya prinsip GCG dan Code of Conduct; mengkaji kinerja direktorat-direktorat; dan membina
hubungan profesional dengan Komite lain dan Manajemen.
Dalam melaksanakan tugas dan tanggung jawabnya pada 2024, Komite Pemantau Risiko mengadakan
27 kali rapat termasuk rapat koordinasi dengan Komite Komisaris lainnya, dan rapat dengan manajemen.
Program pengembangan Komite Pemantau Risiko dilaksanakan sejalan dengan program strategis
Perseroan, melalui seminar, workshop, dan pelatihan.
The Risk Monitoring Committee has carried out its duties to assist the Board of Commissioners in
overseeing risk management implementation to ensure alignment with the Company's policies, among
others, by monitoring the risk management policies established by the Board of Directors, including the
risk tolerance levels set whether it is adequate and in accordance with the Company’s needs; overseeing
risk management within the Company, particularly the strategies and initiatives undertaken by the Board
of Directors; ensuring that risk reports are submitted to the Board of Commissioners in accordance
with the stipulated requirements and needs; ensuring compliance with GCG principles and the Code of
Conduct; reviewing the performance of directorates; and maintaining professional relationships with other
committees and management.
In carrying out its duties and responsibilities in 2024, the Risk Monitoring Committee held 27 meetings,
including coordination meetings with other Board of Commissioners’ Committees and meetings with
management. The development program for Risk Monitoring Committee was implemented in line with the
Company's strategic program through seminars, workshops, and training sessions.
78 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 81
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Organ Dewan Komisaris
Organs of the Board of Commissioners
Organ/Komite
di Bawah Dewan
Komisaris Tugas dan Tanggung Jawab
No
Organ/Committee Duties and Responsibilities
under the Board of
Commissioners
3 Komite Nominasi dan Komite Nominasi dan Remunerasi telah membantu Dewan Komisaris untuk melaksanakan fungsi dan
Remunerasi tugasnya terkait Nominasi dan Remunerasi anggota Direksi dan Dewan Komisaris serta nominasi
Nomination and pejabat pada satu tingkat di bawah Direksi. Terkait hal tersebut Komite Nominasi dan Remunerasi antara
Remuneration Committee lain telah melaksanakan pemberian rekomendasi kepada Dewan Komisaris terkait komposisi jabatan
anggota Dewan Komisaris dan Direksi, kebijakan dan kriteria yang dibutuhkan dalam proses Nominasi,
kebijakan evaluasi kinerja anggota Dewan Komisaris dan Direksi. Lebih Lanjut, Komite Nominasi dan
Remunerasi telah membantu Dewan Komisaris melakukan penilaian kinerja berdasarkan tolok ukur yang
telah ditetapkan dan kesesuaian remunerasi yang diterima, memberikan rekomendasi terkait program
pengembangan kompetensi anggota Dewan Komisaris dan Direksi. Pada perubahan struktur organisasi
untuk mencapai tujuan Perseroan, Komite Nominasi dan Remunerasi memberikan pertimbangan terkait
struktur, kebijakan dan besaran Remunerasi untuk mempertahankan tingkat kompetitif Perseroan
terhadap industri asuransi di Indonesia.
Dalam melaksanakan tugas dan tanggung jawabnya pada 2024, Komite Nominasi dan Remunerasi
mengadakan 21 kali rapat. Disamping itu, tugas tambahan yang diberikan kepada anggota Komite juga
telah dilaksanakan sesuai dengan arahan dan hasil rapat internal maupun dengan pihak lain yang terkait
dalam rangka pencapaian program strategis Perseroan.
Related to this, the Nomination and Remuneration Committee has, among others, provided
recommendations to the Board of Commissioners on the composition of the Board of Commissioners
and Board of Directors, policies and criteria required in the Nomination process, performance evaluation
policies for members of the Board of Commissioners and Board of Directors. Furthermore, the Nomination
and Remuneration Committee has assisted the Board of Commissioners in assessing performance based
on established benchmarks and appropriateness of remuneration received, providing recommendations
on the competency development program for members of the Board of Commissioners and Board of
Directors. In changing the organizational structure to achieve the Company’s goals, the Nomination and
Remuneration Committee provides considerations on the remuneration structure, policies, and amount to
maintain the Company’s competitive level against the insurance industry in Indonesia.
In performing its duties and responsibilities in 2024, the Nomination and Remuneration Committee held
21 meetings. Additional tasks assigned to Committee members were also carried out in accordance with
directives and outcomes of internal meetings as well as meetings with relevant parties to support the
achievement of the Company's strategic programs.
4. Sekretaris Dewan Sekretaris Dewan Komisaris telah membantu Dewan Komisaris sebagai koordinator dalam seluruh
Komisaris kegiatan administrasi yang dilaksanakan di Sekretariat Dewan Komisaris; koordinator kegiatan Dewan
Secretary of the Board of Komisaris di Perseroan, seperti rapat, pertemuan dan lain-lain; bersama Komite Dewan Komisaris,
Commissioners menyusun Rencana Kegiatan dan Anggaran (RKA) Dewan Komisaris setiap tahun; bersama Komite Dewan
Komisaris, melakukan analisis RKAP Perseroan, Business Plan Perseroan dan rekomendasinya kepada
Dewan Komisaris; membuat notulis dan membuat summary pada setiap rapat antara Dewan Komisaris
dan Direksi Tugu Insurance; serta tugas-tugas lain yang berhubungan dengan bidang kesekretariatan
Dewan Komisaris.
The Secretary of the Board of Commissioners has assisted the Board of Commissioners as a coordinator
for all administrative activities carried out in the Secretariat of the Board of Commissioners; coordinated
the Board of Commissioners' activities within the Company, such as meetings, discussions, and other
engagements; collaborated with the Board of Commissioners’ Committees to prepare the Board of
Commissioners' Activity and Budget Plan (RKA) annually; worked with the Board of Commissioners’
Committees to analyze the Company’s RKAP, Business Plan, and provide recommendations to the Board
of Commissioners; recorded minutes and prepared summaries for each meeting between the Board of
Commissioners and the Board of Directors of Tugu Insurance; and performed other secretarial duties
related to the Board of Commissioners.
Dewan Pengawas Syariah [GRI 2-11] Sharia Supervisory Board [GRI 2-11]
Dewan Pengawas Syariah (DPS) ditetapkan sesuai The Sharia Supervisory Board (DPS) is established
dengan ketentuan POJK No. 73/POJK.05/2016 (“POJK in accordance with the provision of POJK No. 73/
73/2016”) tentang Tata Kelola Perusahaan yang Baik bagi POJK.05/2016 (“POJK 73/2016”) on Good Corporate
Perusahaan Perasuransian, pasal 35 (1). DPS merupakan Governance for Insurance Companies, Article 35 (1). DPS
bagian dari organ perusahaan yang mempunyai tugas dan is part of the Company’s governing organ responsible for
fungsi pengawasan terhadap penyelenggaraan kegiatan overseeing the Company’s business activities to ensure
usaha Perusahaan agar sesuai dengan Prinsip Syariah, compliance with Sharia Principles, which are Islamic legal
yaitu prinsip hukum Islam dalam kegiatan perasuransian principles in insurance activities based on fatwas issued
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 79
Page 82
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
berdasarkan fatwa yang dikeluarkan oleh lembaga yang by institutions authorized to establish fatwas in the field of
memiliki kewenangan dalam penetapan fatwa di bidang Sharia, as stipulated in Law No. 40 of 2014 on Insurance.
syariah sebagaimana dimaksud dalam Undang-Undang
No. 40 Tahun 2014 tentang Perasuransian.
Susunan anggota DPS Tugu Insurance pada 31 Desember The composition of Tugu Insurance’s Sharia Supervisory
2024, terdiri dari 2 (dua) orang anggota dimana 1 Board (DPS) as of 31 December 2024, which consisted
(satu) orang diantaranya menjabat sebagai Ketua, of 2 (two) members, with 1 (one) of them serving as the
sebagai berikut: Chairman, is as follows:
Komposisi DPS
DPS Composition
Nama Jabatan Dasar Pengangkatan
Name Position Basis of Appointment
Dr. H. Muhammad Maksum SH, MA, MDC Ketua DPS Akta No. 124 tanggal 28 April 2023, Notaris Jose Dima Satria, S.H, M.Kn.
DPS Chair Deed No. 124 dated 28 April 2023, Notary Jose Dima Satria, S.H, M.Kn.
dr. Siti Hannah, M.K.M* Anggota DPS • Akta No. 124 tanggal 28 April 2023, Notaris Jose Dima Satria, S.H, M.Kn.
DPS Member • Akta No. 1 tanggal 1 Februari 2024, Notaris Jose Dima Satria, S.H, M.Kn.
• Deed No. 124 dated 28 April 2023, Notary Jose Dima Satria, S.H, M.Kn.
• Deed No. 1 dated 1 February 2024, Notary Jose Dima Satria, S.H, M.Kn.
*) Efektif sejak tanggal ditetapkannya Hasil Penilaian Kemampuan dan Kepatutan OJK dan bergabung dengan Tugu Insurance sejak 17 Januari 2024.
*) Effective from the date of OJK Fit and Proper Test results and joining Tugu Insurance on 17 January 2024.
Tugas DPS [GRI 2-12, 2-14] DPS Duties [GRI 2-12, 2-14]
DPS memiliki tugas pokok melaksanakan pengawasan DPS has the primary duty of supervising and providing
dan pemberian nasihat dan saran kepada Direksi agar advice and recommendations to the Board of Directors
kegiatan usaha Perseroan sesuai dengan Prinsip Syariah. to ensure that the Company’s business activities comply
Pelaksanaan tugas pengawasan dan pemberian nasihat with Sharia principles. The supervision, advice, and
dan saran tersebut dilakukan terhadap: recommendations are carried out regarding:
1. Kegiatan dalam pengelolaan kekayaan dan kewajiban 1. Activities in managing assets and liabilities, including
baik dana tabarru’, dana tanahud, dana perusahaan, tabarru’ funds, ta’awun funds, the Company funds, and
maupun dana investasi peserta; participants’ investment funds;
2. Produk asuransi syariah yang dipasarkan; 2. Marketed Sharia insurance products;
3. Praktik pemasaran produk asuransi syariah; dan 3. Marketing practices of sharia insurance products; and
4. Kegiatan lainnya. 4. Other related activities.
Direksi [GRI 2-11] Board of Directors [GRI 2-11]
Direksi bertugas dan bertanggung jawab secara kolegial, The Board of Directors has duties and responsibilities
sekalipun dapat bertindak dan mengambil keputusan collegially, although each member may act and make
sesuai pembagian tugas dan wewenangnya, termasuk decisions according to the respective duties and
dalam aspek ekonomi, lingkungan dan sosial. Direksi authorities, including in economic, environmental, and
Perseroan dipimpin oleh seorang Presiden Direktur yang social aspects. The Company’s Board of Directors is led by
bertanggung jawab untuk mengkoordinasikan kegiatan a President Director, who is responsible for coordinating the
Direksi. Direksi berwenang dan bertanggung jawab penuh Board of Directors’ activities. The Board of Directors has
atas pengurusan Perseroan dan mewakili Tugu Insurance full authority and responsibility for managing the Company
baik di dalam maupun di luar pengadilan sesuai dengan and representing Tugu Insurance both in and outside the
ketentuan Anggaran Dasar. Direksi tidak diperkenankan court in accordance with the provisions of the Articles of
untuk merangkap jabatan, dan seluruh anggota Direksi Association. Members of the Board of Directors are not
telah melalui uji kepatutan dan kelayakan yang diadakan allowed to hold concurrent positions, and all members have
oleh Otoritas Jasa Keuangan. undergone a fit and proper test conducted by the Financial
Services Authority.
80 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 83
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Susunan anggota Direksi Tugu Insurance pada 31 The composition of Tugu Insurance’s Board of Directors
Desember 2024, berdasarkan keputusan RUPST terdiri dari as of 31 December 2024, based on the resolutions of the
5 (lima) orang sebagai berikut: Annual General Meeting of Shareholders (RUPST) consisted
of five (5) members as follows:
Komposisi Direksi
Composition of the Board of Directors
Nama Jabatan Dasar Pengangkatan
Name Position Basis of Appointment
Tatang Nurhidayat Presiden Direktur Akta No. 132 tanggal 24 Agustus 2022, dibuat dihadapan Notaris Jose Dima
President Director Satria, S.H, M.Kn. Notaris di Jakarta
Deed No. 132 dated 24 August 2022, made before Notary Jose Dima Satria,
S.H, M.Kn. a notary in Jakarta
Emil Hakim Direktur Keuangan & Layanan Korporat • Akta No. 17 tanggal 10 September 2021, dibuat dihadapan Notaris Jose
Finance & Corporate Service Director Dima Satria, S.H, M.Kn.
• Akta No. 78 tanggal 22 Mei 2024, dibuat di hadapan Mala
Mukti,S.H.,LL.M.*
• Deed No. 17 dated 10 September 2021, made before Notary Jose Dima
Satria, S.H, M.Kn.
• Deed No. 78 dated 22 May 2024, made before Notary Mala
Mukti,S.H.,LL.M.*
Ery Widiatmoko Direktur Pemasaran Asuransi • Akta No. 37 tanggal 7 Desember 2020, dibuat di hadapan Jose Dima
Insurance Marketing Director Satria SH., Mkn Notaris di Jakarta.
• Akta No. 124 tanggal 28 April 2023, dibuat dihadapan Notaris Jose Dima
Satria, S.H, M.Kn. Notaris di Jakarta**
• Deed No. 37 dated 7 December 2020, made before Notary Jose Dima
Satria, S.H, M.Kn. notary in Jakarta**
• Deed No. 124 dated 28 April 2023, made before Notary Jose Dima Satria,
S.H, M.Kn. notary in Jakarta**
Edi Yoga Prasetyo Direktur Kepatuhan dan Manajemen Akta No. 1 tanggal 1 Februari 2024, dibuat dihadapan Notaris Jose Dima
Risiko Satria, S.H, M.Kn. Notaris di Jakarta
Compliance & Risk Management Deed No. 1 dated 1 February 2024, made before Notary Jose Dima Satria,
Director S.H, M.Kn. notary in Jakarta
Sudarlin Direktur Teknik Akta No. 55 tanggal 9 November 2023, dibuat dihadapan Notaris Jose Dima
Technical Director Satria, S.H, M.Kn. Notaris di Jakarta
Deed No. 55 dated 9 November 2023, made before Notary Jose Dima Satria,
S.H, M.Kn. notary in Jakarta
*) Pengangkatan kembali sebagai Direktur Keuangan & Layanan Korporat
**) Pengangkatan kembali sebagai Direktur Pemasaran Asuransi
*) Reappointment as Finance & Corporate Service Director
**) Reappointment as Insurance Marketing Director
Tugas dan Wewenang Direksi [GRI 2-12, 2-14] Duties and Authorities of the Board of Directors [GRI
2-12, 2-14]
Ruang lingkup pekerjaan dan tanggung jawab Direksi The following is the scope of Duties and Responsibilities of
berdasarkan Anggaran Dasar adalah sebagai berikut: the Board of Directors based on the Articles of Association:
1. Direksi bertugas menjalankan segala tindakan yang 1. The Board of Directors is responsible for carrying out
berkaitan dengan pengurusan Perseroan untuk all actions related to the Company’s management in
kepentingan Perseroan dan sesuai dengan maksud the interests of the Company and in accordance with
dan tujuan Perseroan serta mewakili Perseroan baik di its objectives and purposes, as well as representing
dalam maupun di luar pengadilan tentang segala hal the Company both in and out of court in all matters
dan segala kejadian, dengan pembatasan-pembatasan and events, subject to the limitations stipulated in
sebagaimana diatur dalam peraturan perundang- laws and regulations, the Articles of Association, and/
undangan, Anggaran Dasar, dan/atau Keputusan Rapat or resolutions of the General Meeting of Shareholders
Umum Pemegang Saham (“RUPS”). (GMS).
2. Dalam melaksanakan tugas sebagaimana dimaksud 2. In carrying out the duties mentioned in point 1, the
pada poin 1, Maka: Board of Directors is authorized to:
a. Direksi berwenang untuk menetapkan kebijakan a. Establishing management policies of the Company,
kepengurusan Perseroan termasuk namun tidak including but not limited to:
terbatas pada:
• Mengatur penyerahan kekuasaan Direksi • Delegating the authority of the Board of
untuk mewakili Perseroan di dalam dan di luar Directors to represent the Company in and out
Pengadilan kepada seorang atau beberapa orang of court to one or more appointed members of
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 81
Page 84
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
anggota Direksi yang khusus ditunjuk untuk itu the Board of Directors, one or more Company
atau kepada seorang atau beberapa orang pekerja employees individually or jointly, or other persons,
Perseroan baik sendiri-sendiri maupun bersama- including the Head of Branch or representatives
sama atau kepada orang lain dan mengatur domestically and abroad;
penyerahan kekuasaan Direksi untuk mewakili
Perseroan kepada Kepala Cabang atau Kepala
Perwakilan di dalam atau di luar negeri;
• Mengatur ketentuan-ketentuan tentang • Regulating employment provisions, including
kepegawaian Perseroan termasuk penetapan gaji, determining salaries, pensions, retirement
pensiun atau jaminan hari tua dan penghasilan benefits, and other compensation for employees in
lain bagi pekerja Perseroan berdasarkan accordance with applicable laws and regulations,
peraturan perundang-undangan yang berlaku dan as well as GMS resolutions;
keputusan RUPS;
• Mengangkat dan memberhentikan pekerja • Appointing and dismissing employees in
Perseroan berdasarkan peraturan kepegawaian accordance with the Company’s employment
Perseroan dan peraturan perundang-undangan regulations and applicable laws and regulations;
yang berlaku;
• Melakukan segala tindakan dan perbuatan • Undertaking all other actions related to the
lainnya mengenai pengurusan maupun pemilikan management and ownership of the Company’s
kekayaan Perseroan, mengikat Perseroan dengan assets, binding the Company with third parties,
pihak lain dan/atau pihak lain dengan Perseroan, and representing the Company in and out of
serta mewakili Perseroan di dalam dan di luar court in accordance with applicable laws and
Pengadilan tentang segala hal dan segala kejadian regulations, the Articles of Association, and/or
dengan pembatasan-pembatasan sebagaimana GMS resolutions.
diatur dalam peraturan perundang-undangan,
Anggaran Dasar dan/atau Keputusan RUPS.
b. Direksi berkewajiban untuk: b. The Board of Directors is responsible for:
• Mengusahakan dan menjamin terlaksananya • Ensuring and guaranteeing the implementation
usaha dan kegiatan Perseroan sesuai dengan of the Company’s business and activities in
maksud, tujuan, dan kegiatan usahanya; accordance with its objectives, purposes, and
business operations;
• Menyiapkan pada waktunya Rencana Jangka • Preparing the Company’s Long-Term Plan (RJPP),
Panjang Perseroan (“RJPP”), Rencana Kerja dan Work Plan and Budget (RKAP), along with any
Anggaran Perseroan (“RKAP”), dan perubahannya, revisions, and submitting them to the Board of
serta menyampaikannya kepada Dewan Commissioners for approval;
Komisaris untuk mendapatkan persetujuan dari
Dewan Komisaris;
• Memberikan penjelasan kepada Dewan Komisaris • Providing explanations to the Board of
mengenai RJPP dan RKAP; Commissioners regarding RJPP and RKAP;
• Membuat Laporan Tahunan sebagai wujud • Compiling the Annual Report as a form of
pertanggungjawaban pengurusan Perseroan, serta accountability for the Company’s management,
dokumen keuangan Perseroan sebagaimana along with financial documents as required by the
dimaksud dalam Undang-undang tentang law on the Company’s Document;
Dokumen Perusahaan;
• Menyusun Laporan Keuangan berdasarkan • Preparing financial statements in accordance with
Standar Akuntansi Keuangan dan menyerahkan Financial Accounting Standards and submitting
kepada Akuntan Publik untuk diaudit; them to a Public Accountant for auditing;
• Menyampaikan dan memberikan penjelasan • Presenting and explaining the Annual Report,
Laporan Tahunan, termasuk Laporan Keuangan, including the Financial Statements, to the General
kepada Rapat Umum Pemegang Saham (RUPS) Meeting of Shareholders (GMS) for approval
untuk disetujui dan disahkan; and ratification;
• Menyampaikan Neraca, Laporan Laba Rugi, dan • Submitting the Balance Sheet, Profit and Loss
perubahan Direksi dan Dewan Komisaris yang Statement, and changes in the Board of Directors
disahkan oleh Rapat Umum Pemegang Saham and Board of Commissioners, as ratified by the
(RUPS) kepada Menteri yang membidangi Hukum GMS, to the Minister of Law and Human Rights in
dan Hak Asasi Manusia, sesuai dengan ketentuan accordance with laws and regulations;
peraturan perundang-undangan;
• Memelihara dan menyimpan di tempat kedudukan • Maintaining and keeping the Company’s important
Perseroan: Daftar Pemegang Saham, Daftar document of: the Shareholder Register, Special
82 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 85
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Khusus, Risalah Rapat Umum Pemegang Saham, Register, Minutes of the General Meeting of
Risalah Rapat Dewan Komisaris dan Risalah Rapat Shareholders, Minutes of Board of Commissioners
Direksi, Laporan Tahunan dan dokumen keuangan Meetings, Minutes of Board of Directors Meetings,
Perseroan dan, Dokumen Perseroan lainnya; Annual Reports, financial documents, and other
Company documents;
• Menyusun sistem akuntansi sesuai dengan • Preparing an accounting system in compliance
Standar Akuntansi Keuangan dan berdasarkan with Financial Accounting Standards and internal
prinsip-prinsip pengendalian internal, terutama control principles, particularly in the segregation
pemisahan fungsi pengurusan, pencatatan, of management, recording, storage, and
penyimpanan, dan pengawasan; supervision functions;
• Memberikan laporan berkala menurut cara • Providing periodic reports in the manner and
dan waktu sesuai ketentuan yang berlaku, timeframe required by regulations, as well as
serta laporan lainnya setiap kali diminta oleh any additional reports requested by the Board
Dewan Komisaris; of Commissioners;
• Menyiapkan susunan organisasi Perseroan • Preparing the Company’s organizational structure
lengkap dengan perincian dan tugasnya; with detailed roles and responsibilities;
• Memberikan penjelasan tentang segala hal • Providing explanations on any matters
yang ditanyakan atau diminta oleh anggota inquired about or requested by the Board
Dewan Komisaris; of Commissioners;
• Menyusun dan menetapkan struktur • Establishing and determining the Company’s
organisasi Perseroan; organizational structure;
• Menjalankan kewajiban-kewajiban lainnya sesuai • Fulfilling other obligations as stipulated in the
dengan ketentuan yang diatur dalam Anggaran Articles of Association and as determined by the
Dasar ini dan yang ditetapkan oleh Rapat Umum General Meeting of Shareholders in accordance
Pemegang Saham berdasarkan peraturan with applicable laws and regulations.
perundang-undangan.
3. Dalam melaksanakan tugasnya, Direksi wajib 3. In carrying out its duties, the Board of Directors must
mencurahkan tenaga, pikiran, perhatian dan dedicate its energy, thoughts, attention, and full
pengabdiannya secara penuh pada tugas, kewajiban commitment to its responsibilities, obligations, and the
dan pencapaian tujuan Perseroan, dengan itikad achievement of the Company’s objectives, performing
baik dan penuh tanggung jawab menjalankan tugas its duties in good faith and with full responsibility for the
untuk kepentingan dan usaha Perseroan dengan benefit and business of the Company while complying
mengindahkan perundang-undangan yang berlaku; with applicable laws and regulations;
4. Dalam melaksanakan tugasnya, anggota Direksi harus 4. In performing its duties, members of the Board of
mematuhi Anggaran Dasar Perseroan dan peraturan Directors must adhere to the Company’s Articles
perundang-undangan serta wajib melaksanakan of Association and laws and regulations, as well
prinsip-prinsip profesionalisme, efisiensi, transparansi, as must uphold the principles of professionalism,
kemandirian, akuntabilitas, pertanggungjawaban efficiency, transparency, independence, accountability,
serta kewajaran; responsibility, and fairness;
5. Dalam menjalankan tugas dan tanggung jawab atas 5. In carrying out its duties and responsibilities for
pengurusan, Direksi wajib menyelenggarakan RUPS management, the Board of Directors must convene the
Tahunan dan RUPS lainnya sebagaimana diatur dalam Annual GMS and other GMS meetings as regulated by
Peraturan Perundang-Undangan dan Anggaran Dasar. applicable laws and regulations as well as the Articles
of Association.
6. Direksi wajib membentuk komite, dengan 6. The Board of Directors must establish committees in
memperhatikan peraturan perundang-undangan accordance with applicable laws and regulations.
yang berlaku.
7. Dalam hal dibentuk komite sebagaimana dimaksud 7. If committees are established as referred to in point
pada poin 6, Direksi wajib melakukan evaluasi terhadap 6, the Board of Directors must conduct an evaluation
kinerja komite setiap akhir tahun buku. of the committees’ performance at the end of each
financial year.
8. Direksi bersama dengan Dewan Komisaris 8. The Board of Directors, together with the Board of
wajib menyusun: Commissioners, is required to prepare:
• Pedoman yang mengikat setiap anggota Direksi • Guidelines that are binding on each member
dan Dewan Komisaris, sesuai dengan ketentuan of the Board of Directors and the Board of
peraturan perundang-undangan yang berlaku; dan Commissioners, in accordance with applicable
laws and regulations; and
• Kode etik yang berlaku bagi seluruh anggota • A code of conduct applicable to all members
Direksi dan anggota Dewan Komisaris, karyawan/ of the Board of Directors and the Board of
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 83
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01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
pegawai, serta pendukung organ yang dimiliki Commissioners, employees/staff, and supporting
Perseroan, sesuai dengan ketentuan peraturan organs of the Company, in compliance with
perundang-undangan yang berlaku. applicable laws and regulations.
9. Setiap anggota Direksi bertanggung jawab penuh 9. Each member of the Board of Directors is jointly and
secara tanggung renteng atas kerugian Perseroan yang severally responsible for any losses incurred by the
disebabkan oleh kesalahan atau kelalaian anggota Company due to errors or negligence of the Board of
Direksi dalam menjalankan tugasnya. Directors in carrying out its duties.
10. Anggota Direksi tidak dapat dipertanggungjawabkan 10. Members of the Board of Directors cannot be held
atas kerugian Perseroan, apabila dapat membuktikan: liable for the Company’s losses if they can prove that:
• Kerugian tersebut bukan karena kesalahan • The loss is not due to their fault or negligence;
atau kelalaiannya;
• Telah melakukan pengurusan dengan itikad baik, • They have managed the Company in good faith,
penuh tanggung jawab, dan kehati-hatian untuk with full responsibility and due diligence, in the
kepentingan dan sesuai dengan maksud dan best interests of the Company and in accordance
tujuan Perseroan; with its objectives;
• Tidak mempunyai benturan kepentingan baik • They have no direct or indirect conflicts of interest
langsung maupun tidak langsung atas tindakan in the management actions that resulted in the
pengurusan yang mengakibatkan kerugian; dan loss; and
• Telah mengambil tindakan untuk mencegah timbul • They have taken necessary actions to prevent
atau berlanjutnya kerugian tersebut. or mitigate the occurrence or continuation of
such losses.
11. Direksi mewakili Perseroan secara sah dan secara 11. The Board of Directors legally and directly represents
langsung baik di dalam maupun di luar pengadilan the Company, both in and outside the court, in all
tentang segala hal dan dalam segala kejadian, matters and circumstances, binding the Company to
mengikat Perseroan dengan pihak lain dan pihak other parties and other parties to the Company, with
lain dengan Perseroan, dengan pembatasan dengan the limitations as stipulated.
pembatasan sebagaimana ditentukan.
12. Presiden Direktur berhak dan berwenang 12. The President Director has the right and authority to act
bertindak untuk dan atas nama Direksi serta sah for and on behalf of the Board of Directors and legally
mewakili Perseroan. represent the Company.
a. Dalam hal Presiden Direktur tidak hadir atau a. If the President Director is absent or unable to
berhalangan karena sebab apapun juga, maka perform duties for any reason, the President Director
Presiden Direktur melakukan penunjukan kepada shall appoint another member of the Board of
salah seorang anggota Direksi lainnya untuk dan atas Directors to act for and on behalf of the Board of
nama Direksi serta sah mewakili Perseroan. Directors and legally represent the Company.
b. Dalam hal Presiden Direktur tidak melakukan b. If the President Director does not make such an
penunjukan maka salah seorang Direksi berhak appointment, another member of the Board of
dan berwenang bertindak untuk dan atas nama Directors has the right and authority to act for and on
Direksi serta sah mewakili Perseroan berdasarkan behalf of the Board of Directors and legally represent
penunjukan dari Rapat Direksi. the Company based on the appointment from the
Board of Directors’ Meeting.
13. Pembagian tugas dan wewenang setiap anggota 13. The distribution of duties and authority of each member
Direksi ditetapkan oleh RUPS, dalam hal RUPS tidak of the Board of Directors is determined by the GMS.
menetapkan, maka pembagian tugas dan wewenang If not, the distribution of duties and authority of each
setiap anggota Direksi ditetapkan berdasarkan member of the Board of Directors shall be decided
keputusan Rapat Direksi; based on the decision of the Board of Directors’
Meeting;
14. Dalam hal tindakan yang dilakukan oleh anggota Direksi 14. Any actions taken by a member of the Board of
diluar yang diputuskan oleh Rapat Direksi menjadi Directors outside of the decisions of the Board of
tanggung jawab pribadi Direksi yang bersangkutan Directors’ Meeting shall be the personal responsibility
sampai dengan tindakan dimaksud disetujui oleh of the respective member of the Board of Director until
Rapat Direksi; such actions are approved by the Board of Directors’
Meeting;
15. Anggota Direksi tidak berwenang mewakili Perseroan 15. Members of the Board of Directors are not authorized
apabila: to represent the Company if:
a. Terjadi perkara di pengadilan antara Perseroan a. There is an ongoing court case between the Company
dengan anggota Direksi yang bersangkutan; atau and the respective member of the Board of Directors;
or
84 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 87
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
b. Anggota Direksi yang bersangkutan mempunyai b. The respective member of the Board of Directors has
benturan kepentingan dengan Perseroan. a conflict of interest with the Company.
16. Dalam hal terdapat keadaan sebagaimana dimaksud 16. In the event of the circumstances mentioned in
pada poin 15, yang berhak mewakili Perseroan adalah: point 15, the following parties shall have the right to
represent the Company:
a. Anggota Direksi lainnya yang tidak mempunyai a. Other members of the Board of Directors who do not
benturan kepentingan dengan Perseroan; have a conflict of interest with the Company;
b. Dewan Komisaris dalam hal seluruh anggota Direksi b. The Board of Commissioners, if all members of the
mempunyai benturan kepentingan dengan Perseroan; Board of Directors have a conflict of interest with the
atau Company; or
c. Pihak lain yang ditunjuk oleh RUPS dalam hal seluruh c. Another party appointed by the GMS, if all
anggota Direksi atau Dewan Komisaris mempunyai members of the Board of Directors or the Board
benturan kepentingan dengan Perseroan. of Commissioners have a conflict of interest with
the Company.
17. Ketentuan mengenai Tugas dan wewenang Direksi yang 17. Provisions regarding the duties and authorities of the
belum diatur dalam anggaran dasar ini mengacu pada Board of Directors that are not regulated in this Articles
Peraturan OJK di bidang Pasar Modal dan ketentuan of Association shall refer to the OJK Regulations in
serta peraturan perundangan lainnya yang berlaku the Capital Market sector and other applicable laws
and regulations.
Pejabat/Unit Kerja Penanggung Jawab Keberlanjutan Official/Work Unit Responsible for Sustainability
[GRI 2-13] [GRI 2-13]
Sebagai bentuk komitmen Perseroan dalam mendukung As part of the Company’s commitment to supporting
program keuangan berkelanjutan dan pencapaian Tujuan sustainable finance programs, achieving the Sustainable
Pembangunan Berkelanjutan (SDGs) dan kepatuhan Development Goals (SDGs), and complying with OJK
terhadap ketentuan Peraturan OJK No. 51/POJK.03/2017 Regulation No. 51/POJK.03/2017 on the Implementation
tentang Penerapan Keuangan Berkelanjutan bagi Lembaga of Sustainable Finance for Financial Services Institutions,
Jasa Keuangan, Emiten, dan Perusahaan Publik, Tugu Issuers, and Public Companies, Tugu Insurance has
Insurance telah menunjuk pegawai, pejabat, dan/atau appointed employees, officials, and/or a responsible unit
unit kerja yang bertanggungjawab terhadap penerapan for implementing sustainable finance at Tugu Insurance.
keuangan berkelanjutan di Tugu Insurance. Perseroan telah The Company has appointed an official or Corporate
menunjuk pejabat atau unit kerja Corporate Secretary, Secretary unit, specifically the Government, Public
khususnya Government, Public Relations, & Corporate Relations, & Corporate Social Responsibility Department,
Social Responsibility Department, sebagai penanggung as the responsible unit for implementing sustainable
jawab penerapan keuangan berkelanjutan. [E.1] finance. [E.1]
Nominasi dan Pengangkatan Dewan Komisaris dan Direksi [GRI 2-10]
Nomination and Appointment of the Board of Commissioners and the Board of
Directors [GRI 2-10]
Nominasi dan seleksi Dewan Komisaris dan Direksi The nomination and selection of the Board of
dilakukan oleh perusahaan untuk memastikan proses Commissioners and the Board of Directors are conducted
regenerasi kepemimpinan lancar dan konsisten. RUPS by the Company to ensure a smooth and consistent
memiliki wewenang penuh untuk mengangkat dan leadership succession process. The General Meeting
memberhentikan anggota Dewan Komisaris dan Direksi. of Shareholders (GMS) has full authority to appoint and
Hal ini dilakukan dengan mempertimbangkan visi, misi, dismiss members of the Board of Commissioners and
dan rencana strategis Perseroan untuk memastikan the Board of Directors. This process is carried out by
pengambilan keputusan yang efektif, cepat, tepat, dan considering the Company’s vision, mission, and strategic
independen. Dalam pengangkatan Dewan Komisaris, plans to ensure effective, fast, accurate, and independent
kandidat Komisaris dapat dinominasikan oleh pemegang decision-making. For the appointment of the Board
saham pengendali. Komite nominasi dan remunerasi of Commissioners, commissioner candidates may be
kemudian akan membahas profil dan kualifikasi masing- nominated by the Controlling Shareholder. The Nomination
masing kandidat dalam rapat nominasi. Kandidat terpilih and Remuneration Committee will then review the profiles
kemudian akan diangkat dengan persetujuan RUPS. and qualifications of each candidate in a nomination
meeting. The selected candidates will subsequently be
appointed with the GMS approval.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 85
Page 88
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Proses pelaksanaan nominasi Dewan Komisaris dan The nomination process for the Board of Commissioners
Direksi mempertimbangkan berbagai kriteria seperti and the Board of Directors considers various criteria, such
keberagaman, keahlian, pengetahuan dan pengalaman as diversity, expertise, knowledge, and relevant experience
yang sesuai untuk fungsi dan jabatan yang dituju, dilandasi for the intended function and position. This process is
berbagai peraturan perundangan, seperti: based on various laws and regulations, among others:
1. Anggaran Dasar Perseroan; 1. The Company’s Articles of Association;
2. Peraturan Menteri BUMN No. PER-02/ MBU/02/2015 2. Minister of State-Owned Enterprises (SOEs) Regulation
tentang Persyaratan dan Tata Cara Pengangkatan dan No. PER-02/MBU/02/2015 on the Requirements
Pemberhentian Anggota Dewan Komisaris dan Dewan and Procedures for the Appointment and Dismissal of
Pengawas BUMN sebagaimana diubah terakhir dengan Members of the Board of Commissioners and Board of
Peraturan Menteri BUMN No. PER-10/MBU/10/2020 Supervisors of SOEs, as lastly amended by Minister of
(Permen BUMN 10/2020); SOE Regulation No. PER-10/MBU/10/2020 (Permen
BUMN 10/2020);
3. Peraturan Menteri BUMN No. PER-7/MBU/09/2022 3. Minister of SOEs Regulation No. PER-7/MBU/09/2022
tentang Persyaratan, Tata Cara Pengangkatan, dan on the Requirements, Procedures for Appointment, and
Pemberhentian Anggota Direksi BUMN (Permen BUMN Dismissal of Members of the Board of Directors of SOEs
7/2022); dan (Permen BUMN 7/2022); and
4. Peraturan perundang-undangan lain yang berlaku. 4. Other applicable laws and regulations.
Selain itu, proses nominasi tersebut juga mengikuti Moreover, the nomination process also complies
ketentuan Jasa Keuangan No. 27/POJK.03/2016 tanggal with Financial Services Authority Regulation No. 27/
22 Juli 2016 tentang Penilaian Kemampuan dan Kepatutan POJK.03/2016 dated 22 July 2016, on the Fit and Proper
bagi Pihak Utama Lembaga Jasa Keuangan. Dewan Test for Main Parties of Financial Service Institutions.
Komisaris Tugu Insurance yang merupakan Lembaga Jasa The Board of Commissioners of Tugu Insurance, as a
Keuangan wajib memperoleh persetujuan dari Otoritas Financial Service Institution, must obtain approval from
Jasa Keuangan sebelum menjalankan tindakan, tugas the Financial Services Authority (OJK) before carrying
dan fungsinya sebagai anggota Dewan Komisaris. Dalam out its actions, duties, and functions as members of the
rangka memberikan persetujuan tersebut, OJK melakukan Board of Commissioners. To grant this approval, OJK
penilaian kemampuan dan kepatutan (fit and proper test) conducts a fit and proper test to assess the capability
kepada calon anggota Dewan Komisaris. Anggota Dewan and suitability of prospective members of the Board of
Komisaris yang lulus penilaian kemampuan dan kepatutan Commissioners. Members of the Board of Commissioners
(fit and proper test) tanpa catatan dan telah mendapat who pass the fit and proper test without any remarks and
persetujuan dari Otoritas Jasa Keuangan, menunjukkan have received approval from OJK are deemed to have
yang bersangkutan telah memiliki dan memenuhi met the necessary integrity, competence, and financial
persyaratan integritas, kompetensi dan reputasi keuangan reputation requirements.
yang memadai.
Adapun kriteria khusus yang digunakan untuk pemilihan The specific criteria used for the selection and
dan nominasi calon anggota Dewan Komisaris dan nomination of candidates for members the Board of
Direksi, sebagaimana diatur dalam Peraturan Menteri Commissioners and Board of Directors, as stipulated in
BUMN No. PER-3/MBU/03/2023, Bagian Kesatu tentang the Minister of State-Owned Enterprises Regulation No.
Syarat Anggota Direksi BUMN dan Anggota Direksi Anak PER-3/MBU/03/2023, Part One on the Requirements
Perusahaan, dan bagian Kedua tentang Syarat Anggota for Members of the Board of Directors of SOEs and
Dewan Komisaris BUMN dan Anggota Dewan Komisaris Subsidiaries, and Part Two on the Requirements for
Anak Perusahaan, sebagai berikut: [ESG G-06] Members of the Board of Commissioners of SOEs and
Subsidiaries, are as follows: [ESG G-06]
1. Kriteria Calon Direksi. 1. Criteria of Candidates for the Board of Directors
a. Memenuhi syarat materiil yaitu: keahlian, integritas, a. Fulfilling the material requirements, namely:
kepemimpinan, pengalaman, jujur, perilaku yang expertise, integrity, leadership, experience, honesty,
baik, dan dedikasi yang tinggi untuk memajukan dan good conduct, and high dedication to advancing and
mengembangkan perusahaan. developing the company.
b. Memenuhi syarat formal, yaitu: b. Fulfilling the formal requirements, namely:
• Orang perseorangan; • An individual person;
• Mampu melaksanakan perbuatan hukum; • Capable of performing legal acts;
• Tidak pernah dinyatakan pailit dalam waktu 5 • Has never been declared bankrupt within five (5)
(lima) tahun sebelum pengangkatan; years prior to the appointment;
• Tidak pernah menjadi anggota Direksi atau • Has never served as a member of the Board
anggota Dewan Komisaris/Dewan Pengawas yang of Directors or the Board of Commissioners/
dinyatakan bersalah menyebabkan suatu BUMN, Supervisory Board who is found guilty of causing
86 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 89
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Anak Perusahaan dan/atau badan usaha lainnya an SOE, a subsidiary, and/or other business
dinyatakan pailit dalam waktu 5 (lima) tahun entities to be declared bankrupt within 5 (five)
sebelum pengangkatan; dan years prior to the appointment; and
• Tidak pernah dihukum karena melakukan tindak • Has never been convicted of a criminal offense
pidana yang merugikan keuangan Negara, BUMN, that causes financial losses to the state, an SOE,
Anak Perusahaan, badan usaha lainnya dan/atau a subsidiary, other business entities, and/or is
yang berkaitan dengan sektor keuangan dalam related to the financial sector within 5 (five) years
waktu 5 (lima) tahun sebelum pengangkatan. prior to the appointment.
c. Memenuhi syarat lainnya, yaitu: c. Fulfilling other requirements, namely
• Bukan pengurus partai politik, calon anggota • Not a political party official, legislative candidate,
legislatif, dan/atau anggota legislatif pada Dewan and/or member of the legislature in the House of
Perwakilan Rakyat, Dewan Perwakilan Daerah, Representatives (DPR), Regional Representative
Dewan Perwakilan Rakyat Daerah Provinsi, dan Council (DPD), Provincial Regional House of
Dewan Perwakilan Rakyat Daerah Kabupaten/Kota; Representatives (DPRD of Province), or Regency/
Municipal Regional House of Representatives
(DPRD of Regency/City);
• Bukan calon kepala/wakil kepala daerah dan/atau • Not a candidate for regional head/deputy regional
kepala/wakil kepala daerah, termasuk penjabat head and/or currently serving as a regional head/
kepala/wakil kepala daerah; deputy regional head, including acting regional
head/deputy regional head;
• Tidak menjabat sebagai anggota Direksi pada • Has not served as a member of the Board of
BUMN atau Anak Perusahaan yang bersangkutan Directors in the relevant SOE or its subsidiary for 2
selama 2 (dua) periode; (two) consecutive terms of office;
• Tidak sedang menjabat sebagai pejabat pada • Not currently holding a position as an official in
kementerian/lembaga, anggota Dewan Komisaris/ a ministry/institution, a member of the Board of
Dewan Pengawas pada BUMN lain, anggota Direksi Commissioners/Supervisory Board in another
pada BUMN lain, anggota Direksi pada Anak SOE, a member of the Board of Directors in
Perusahaan dan/atau badan usaha lainnya; another SOE, a member of the Board of Directors
in a subsidiary, and/or other business entities;
• Tidak sedang menduduki jabatan yang • Not currently holding a position that, according
berdasarkan peraturan perundang-undangan to applicable laws and regulations, is prohibited
dilarang untuk dirangkap dengan jabatan from being held concurrently with the position of a
anggota Direksi; Board of Directors member;
• Memiliki dedikasi dan menyediakan waktu • Has dedication and is fully committed to carrying
sepenuhnya untuk melakukan tugasnya, yang out their duties, as stated in a written declaration
dinyatakan dengan surat pernyataan dari by the individual;
yang bersangkutan;
• Sehat jasmani dan rohani, yakni tidak sedang • Physically and mentally healthy, meaning not
menderita suatu penyakit yang dapat menghambat suffering from any illness that could hinder the
pelaksanaan tugas sebagai anggota Direksi, yang execution of duties as a Board of Directors
dibuktikan dengan surat keterangan sehat dari member, as proven by a health certificate from a
rumah sakit; dan hospital; and
• Memiliki Nomor Pokok Wajib Pajak (NPWP) dan • Possesses a Taxpayer Identification Number
telah melaksanakan kewajiban membayar pajak (NPWP) and has fulfilled tax payment obligations
selama 2 (dua) tahun terakhir. for the past 2 (two).
2. Kriteria Calon Dewan Komisaris 2. Criteria of Candidates for the Board of Commissioners
a. Memenuhi syarat materiil yaitu: integritas, a. Fulfilling the material requirements, namely: integrity,
dedikasi, memahami masalah-masalah manajemen dedication, understanding of corporate management
perusahaan yang berkaitan dengan salah satu fungsi issues related to one of the management functions,
manajemen, memiliki pengetahuan yang memadai di possessing adequate knowledge in the business
bidang usaha di mana yang bersangkutan dicalonkan, sector for which the individual is nominated, and
dan dapat menyediakan waktu yang cukup untuk being able to allocate sufficient time to carry out
melaksanakan tugasnya. their duties.
b. Memenuhi syarat formal yaitu: b. Fulfilling the formal requirements, namely:
• Orang perseorangan; • An individual person;
• Mampu melaksanakan perbuatan hukum; • Capable of performing legal acts;
• Tidak pernah dinyatakan pailit dalam waktu 5 • Has never been declared bankrupt within 5 (five)
(lima) tahun sebelum pengangkatan; years prior to the appointment;
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 87
Page 90
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
• Tidak pernah menjadi anggota Direksi atau • Has never served as a member of the Board
anggota Dewan Komisaris/Dewan Pengawas yang of Directors or the Board of Commissioners/
dinyatakan bersalah menyebabkan suatu BUMN, Supervisory Board who is found guilty of causing
Anak Perusahaan dan/atau badan usaha lainnya an SOE, a subsidiary, and/or other business
dinyatakan pailit dalam waktu 5 (lima) tahun entities to be declared bankrupt within 5 (five)
sebelum pengangkatan; dan years prior to the appointment; and
• Tidak pernah dihukum karena melakukan tindak • Has never been convicted of a criminal offense
pidana yang merugikan keuangan Negara, BUMN, that caused financial losses to the state, an SOE,
Anak Perusahaan, badan usaha lainnya dan/atau a subsidiary, other business entities, and/or was
yang berkaitan dengan sektor keuangan dalam related to the financial sector within 5 (five) years
waktu 5 (lima) tahun sebelum pengangkatan. prior to the appointment.
c. Memenuhi syarat lainnya, yaitu: c. Fulfilling other requirements, namely:
• Orang perseorangan; • An individual person;
• Mampu melaksanakan perbuatan hukum; • Capable of performing legal acts;
• Tidak pernah dinyatakan pailit dalam waktu 5 • Has never been declared bankrupt within 5 (five)
(lima) tahun sebelum pengangkatan; years prior to the appointment;
• Tidak pernah menjadi anggota Direksi atau • Has never served as a member of the Board
anggota Dewan Komisaris/Dewan Pengawas yang of Directors or the Board of Commissioners/
dinyatakan bersalah menyebabkan suatu BUMN, Supervisory Board who is found guilty of causing
Anak Perusahaan dan/atau badan usaha lainnya an SOE, a subsidiary, and/or other business
dinyatakan pailit dalam waktu 5 (lima) tahun entities to be declared bankrupt within 5 (five)
sebelum pengangkatan; dan years prior to the appointment;
• Tidak pernah dihukum karena melakukan tindak • Has never been convicted of a criminal offense
pidana yang merugikan keuangan Negara, BUMN, that causes financial losses to the state, an SOE,
Anak Perusahaan, badan usaha lainnya dan/atau a subsidiary, other business entities, and/or is
yang berkaitan dengan sektor keuangan dalam related to the financial sector within 5 (five) years
waktu 5 (lima) tahun sebelum pengangkatan. prior to the appointment;
• Bagi bakal calon dari kementerian teknis atau • For candidates from technical ministries or other
instansi pemerintah lain, harus berdasarkan surat government agencies, the nomination must be
usulan dari pimpinan instansi yang bersangkutan; based on a recommendation letter from the head
dan of the respective institution; and
• Bagi bakal calon anggota Dewan Komisaris/Dewan • For prospective members of the Board of
Pengawas yang berasal dari penyelenggara Negara Commissioners/Supervisory Board who are state
harus melaporkan Laporan Harta Kekayaan officials, they must submit the State Officials’
Penyelenggara Negara (LHKPN) selama 2 (dua) Wealth Report (LHKPN) for the last 2 (two) years,
tahun terakhir yang dibuktikan dengan bukti lapor as evidenced by proof of LHKPN submission to the
LHKPN kepada institusi yang berwenang. relevant authority.
Sementara itu, mekanisme nominasi Direksi berasal dari Meanwhile, the nomination mechanism for the Board
usulan pemegang saham pengendali. Atas usulan tersebut, of Directors comes from proposals submitted by the
selanjutnya Dewan Komisaris dan atau Komite Nominasi Controlling Shareholder. Based on these proposals,
dan Remunerasi melakukan kajian/analisis kelayakan the Board of Commissioners and/or the Nomination
dan verifikasi profil usulan calon Direksi. Dari Hasil kajian and Remuneration Committee conducts a feasibility
tersebut, selanjutnya Dewan Komisaris merekomendasikan assessment/analysis and profile verification of the
calon Direksi kepada RUPS untuk mendapatkan proposed candidates for the Board of Directors.
persetujuan. Berdasarkan rekomendasi Dewan Komisaris, Following this assessment, the Board of Commissioners
RUPS dapat memberikan persetujuan dan pengangkatan recommends the candidates to the GMS for approval.
Direksi yang baru. Based on the Board of Commissioners’ recommendation,
the GMS may grant approval and appoint the new members
of the Board of Directors.
88 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 91
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Bagan Mekanisme Nominasi dan Pengangkatan Dewan Komisaris dan Direksi
Chart of Nomination Mechanism and Appointment of the Board of Commissioners and the Board of Directors
Direkomendasikan
oleh Dewan Komisaris
Diusulkan oleh atau Komite Nominasi Diangkat dengan
Pemegang Saham dan Remunerasi Persetujuan RUPS
Proposed by the Recommended by the Board Appointed with GMS
Shareholders of Commissioners or the Approval
Nomination and
Remuneration Committee
Keberagaman Manajemen dan Independensi [ESG G-01]
Management Diversity and Independency [ESG G-01]
Komposisi Anggota Dewan Komisaris dan Direksi telah The composition of the Board of Commissioners and
memenuhi kebutuhan Perseroan, masing-masing anggota Board of Directors has met the Company’s needs. Each
Komisaris memiliki pendidikan, pengalaman, dan member of the Board of Commissioners has education,
kompetensi yang sesuai dengan kebutuhan Perseroan. experience, and competencies in line with the Company’s
Komposisi juga mempertimbangkan aspek keberagaman needs. The composition also considers aspects of diversity
dan independensi. and independency.
Tabel Keberagaman Manajemen dan Independensi
Table of Management Diversity and Independence
Tipe Manajemen Laki-laki Perempuan Jumlah Pihak Independen
Type of Management Male Female Number of Independent Parties
Dewan Komisaris
5 - 3
Board of Commissioner
Direksi
5 - -
Board of Director
Kehadiran Dewan Komisaris dan Direksi dalam Rapat Dewan [ESG G-02]
Attendance of the Board of Commissioners and Board of Directors in Board Meetings
[ESG G-02]
Rapat dewan merupakan forum bagi anggota Dewan Board meetings are a forum for members of the Board of
Komisaris dan Direksi untuk membahas perkembangan Commissioners and Board of Directors to discuss business
usaha dalam semua aspek manajerial. Pelaksanaan rapat developments in all managerial aspects. The meetings are
mengacu pada Anggaran Dasar untuk rapat internal Dewan held by referring to the Articles of Association for Board
Komisaris, rapat internal Direksi dan rapat gabungan of Commissioners’ internal meetings, Board of Directors’
Dewan Komisaris bersama Direksi. internal meetings, and joint meetings of the Board of
Commissioners and Board of Directors.
Tabel Kehadiran Dewan Komisaris dan Direksi dalam Rapat Dewan 2024 [ESG G-02]
Table of Attendance of Board of Commissioners and Board of Directors in Board Meetings 2024 [ESG G-02]
Persentase Tingkat
Nama Jumlah Rapat Jumlah Kehadiran
Kehadiran
Name Total Meetings Total Attendance
Attendance Rate in %
Dewan Komisaris
Board of Commissioners
Dian Masyita 1) 3 3 100%
Abdul Ghofar 2)
1 1 100%
Bagus Agung Rahadiansyah 10 10 100%
Samuel Ramna 10 8 80%
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 89
Page 92
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Tabel Kehadiran Dewan Komisaris dan Direksi dalam Rapat Dewan 2024 [ESG G-02]
Table of Attendance of Board of Commissioners and Board of Directors in Board Meetings 2024 [ESG G-02]
Persentase Tingkat
Nama Jumlah Rapat Jumlah Kehadiran
Kehadiran
Name Total Meetings Total Attendance
Attendance Rate in %
Poerwo Tjahjono 10 10 100%
Tajudin Noor 3)
10 10 100%
Direksi
Board of Directors
Tatang Nurhidayat 10 10 100%
Emil Hakim 10 9 90%
Ery Widiatmoko 10 10 100%
Edi Yoga Prasetyo 10 10 100%
Sudarlin 10 10 100%
1)
Sudah tidak menjabat sejak ditutupnya RUPST tanggal 29 April 2024
1)
No longer serving since the closing of the Annual General Meeting of Shareholders (AGMS) on 29 April 2024
2)
Diangkat oleh RUPST pada tanggal 29 April 2024 dan sudah efektif menjabat sesuai hasil kelulusan fit and proper test dari OJK tanggal
3 Desember 2024
2)
Appointed by the AGMS on 29 April 2024, and officially assumed office following the fit and proper test approval from OJK on 3 December 2024
3)
Diangkat oleh RUPST pada tanggal 28 April 2023 dan sudah efektif menjabat sesuai hasil kelulusan fit and proper test dari OJK tanggal 18 Januari 2024
3)
Appointed by the AGMS on 28 April 2023, and officially assumed office following the fit and proper test approval from OJK on 18 January 2024
Evaluasi Kinerja dan Remunerasi Dewan Komisaris dan Direksi
[GRI 2-18] [ESG G-04]
Performance Evaluation and Remuneration for the Board of Commissioners and Board
of Directors [GRI 2-18] [ESG G-04]
Tugu Insurance melakukan evaluasi dan penilaian Tugu Insurance evaluates and assesses the performance
terhadap kinerja Dewan Komisaris dan Direksi of the Board of Commissioners and the Board of Directors
melalui self-assessment yang kemudian dilaporkan through a self-assessment process, which is then reported
dan dipertanggungjawabkan dalam RUPS. Penilaian and accounted for in the GMS. The assessment of the
pelaksanaan tugas Dewan Komisaris dan Direksi Board of Commissioners’ and Board of Directors’ duties
mengacu pada Pedoman Induk Perseroan dan Peraturan refers to Parent Company Guidline and OJK Regulation No.
OJK No. 73/POJK.05/2016 tentang Tata Kelola 73/POJK.05/2016 on Good Corporate Governance for
Perusahaan yang Baik bagi Perusahaan Perasuransian. Insurance Companies. Thus, the Board of Commissioners
Untuk itu, Dewan Komisaris dan Direksi masing-masing and the Board of Directors are each assessed based on
memperoleh penilaian atas kinerja yang dicapai dalam the performance in implementing various programs and
mengimplementasikan berbagai program dan inisiatif initiatives outlined in the strategic plan, including corporate
yang tertuang dalam rencana strategis mencakup rencana and business plans, in line with the Company’s vision,
korporasi dan rencana bisnis selaras dengan visi, misi, mission, strategy, and values.
strategi dan nilai-nilai perusahaan.
Dasar Penilaian Dewan Komisaris [GRI 2-18] Basis of Board of Commissioners’ Performance
Assessment [GRI 2-18]
Secara umum, penilaian kinerja anggota Dewan Generally, the performance assessment of the Board of
Komisaris berdasarkan pelaksanaan tugas dan kewajiban Commissioners’ members is based on the implementation
sebagaimana tercantum dalam peraturan perundang- of their duties and responsibilities as stipulated in
undangan yang berlaku, Anggaran Dasar Perusahaan, applicable laws and regulations, the Company’s Articles
dan amanat pemegang saham. Penilaian kinerja Dewan of Association, and the mandate of shareholders. The
Komisaris dilakukan berdasarkan pencapaian Key performance assessment of the Board of Commissioners
Performance Indicators (KPI) dan memperhatikan AKHLAK is conducted based on the achievement of Key
(Amanah, Kompeten, Harmonis, Loyal, Adaptif, dan Performance Indicators (KPI) while also considering the
Kolaboratif) behavior survey. AKHLAK (Amanah, Kompeten, Harmonis, Loyal, Adaptif, and
Kolaboratif) behavior survey.
Penilaian kinerja Dewan Komisaris secara individu The individual performance assessment of the Board of
dilakukan berdasarkan tolak ukur yang telah disepakati Commissioners is conducted based on benchmarks agreed
oleh masing-masing anggota Dewan Komisaris. Aspek yang upon by each member. The aspects assessed in the Board
90 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 93
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
dinilai dalam KPI Dewan Komisaris tahun 2024 adalah of Commissioners’ KPI for 2024 included planning, task
aspek perencanaan, aspek pelaksanaan tugas, aspek execution, reporting, and dynamic aspects.
pelaporan, dan aspek dinamis.
Dasar Penilaian Kinerja Direksi [GRI 2-18] Basis for Board of Directors’ Performance
Assessment [GRI 2-18]
Direksi memiliki target kinerja yang disesuaikan dengan The Board of Directors has performance targets, which are
tugas dan tanggung jawab masing-masing anggota Direksi adjusted to the duties and responsibilities of each member,
termasuk pengelolaan kepatuhan, pengendalian risiko including compliance management, risk control, and
dan sumber daya manusia. Hasil penilaian kinerja Direksi human resources management. The Board of Directors’
menjadi bahan pertimbangan dalam meningkatkan performance assessment results serve as a consideration
efektivitas kinerja Direksi dan disampaikan dalam bentuk for enhancing the effectiveness and are presented as an
pertanggungjawaban pelaksanaan tugas dan tanggung accountability report on the implementation of duties and
jawab pada saat RUPS Tahunan. responsibilities during the Annual GMS.
Proses penilaian kinerja melibatkan Komite Nominasi The performance assessment process involves the
dan Remunerasi dalam memberikan masukan kepada Nomination and Remuneration Committee, which provides
Dewan Komisaris untuk mengusulkan kembali anggota input to the Board of Commissioners regarding the
Dewan Komisaris dan Direksi kepada RUPS serta reappointment of members of the Board of Commissioners
sebagai bahan pertimbangan untuk menyusun struktur and the Board of Directors to the GMS and serves as a
remunerasi. Dalam melakukan penilaian atas kinerja basis for structuring remuneration. In assessing the Board
Direksi, Dewan Komisaris mempertimbangkan beberapa of Directors’ performance, the Board of Commissioners
aspek sebagai dasar penilaian, termasuk faktor eksternal considers several aspects as the basis for assessment,
yaitu kondisi perekonomian dan industri perasuransian. including external factors such as economic conditions
Dewan Komisaris memberikan penilaian terhadap kinerja and the insurance industry. The Board of Commissioners
Direksi yang meliputi tinjauan perekonomian dan industri, assesses the Board of Directors’ performance based on
pencapaian Key Performance Indicators (KPI), pelaksanaan an economic and industry overview, achievement of Key
kebijakan strategis perkreditan, teknologi informasi, Performance Indicators (KPI), implementation of strategic
Sumber Daya Manusia (SDM) dan kinerja Entitas Anak credit policies, information technology, human resources
dengan tetap memperhatikan faktor eksternal. (HR), and subsidiaries’ performance, while also considering
external factors.
Kebijakan Remunerasi [GRI 2-19, 2-20] Remuneration Policy [GRI 2-19, 2-20]
Penetapan remunerasi bagi Dewan Komisaris dan The determination of remuneration for the Board of
Direksi mengacu pada ketentuan Peraturan OJK No. 73/ Commissioners and the Board of Directors refers to the
POJK.05/2016 tentang Tata Kelola Perusahaan yang Baik provisions of OJK Regulation No. 73/POJK.05/2016 on
bagi Perusahaan Perasuransian. Penetapan remunerasi Good Corporate Governance for Insurance Companies.
dan fasilitas lainnya bagi Dewan Komisaris dan Direksi The determination of remuneration and other facilities for
berdasarkan keputusan Pemegang Saham sebagaimana the Board of Commissioners and the Board of Directors is
ditetapkan dalam Rapat Umum Pemegang Saham based on the resolution of the Shareholders as adopted
dengan memperhatikan hasil kajian yang dilakukan oleh in the General Meeting of Shareholders by considering the
Perusahaan. assessment conducted by the Company.
Kriteria Penetapan Remunerasi Dewan Komisaris Criteria for Determining Remuneration for the
dan Direksi Board of Commissioners and the Board of
Directors
Penetapan struktur dan besaran remunerasi untuk Dewan The determination of remuneration structure and amount
Komisaris dan Direksi mempertimbangkan berbagai kajian for the Board of Commissioners and the Board of Directors
sebagai berikut: considers the following aspects:
1. Ketentuan dan Perundang-Undangan yang berlaku; 1. Applicable laws and regulations;
2. Ketentuan yang berlaku pada PT Pertamina (Persero); 2. Provisions applicable to PT Pertamina (Persero);
3. Kinerja Perseroan; 3. The Company’s performance;
4. Kewajaran dengan Industri Perasuransian; 4. Fairness with the insurance industry;
5. Regulasi yang terkait dengan remunerasi 5. Other regulations related to remuneration, such as the
lainnya misalnya Upah Minimum dan Minimum Wage and the Manpower Law.
Undang-Undang Ketenagakerjaan.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 91
Page 94
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Kegiatan pengkajian ulang atas Kebijakan Remunerasi The Remuneration Policy is reviewed annually, including a
dilakukan setiap tahun termasuk kaji ulang dilakukan untuk review of the remuneration for the Board of Commissioners,
remunerasi Dewan Komisaris, Direksi dan Pegawai. the Board of Directors, and employees.
Prosedur Pengusulan Hingga Penetapan Procedure to Propose and Determine
Remunerasi Remuneration
Prosedur pengusulan hingga penetapan remunerasi Dewan The procedure for proposing and determining the
Komisaris dan Direksi Tugu Insurance dilakukan melalui remuneration for the Board of Commissioners and the
tahapan sebagaimana bagan berikut: Board of Directors of Tugu Insurance follows the stages
1. Komite Nominasi dan Remunerasi melakukan outlined in the following diagram:
penyusunan dan evaluasi terhadap struktur, kebijakan 1. The Nomination and Remuneration Committee prepares
dan besaran remunerasi Dewan Komisaris sesuai and evaluates the remuneration structure, policy, and
dengan peraturan perundangan yang berlaku. Struktur amount for the Board of Commissioners in accordance
Remunerasi tersebut dapat berupa gaji, honorarium, with applicable laws and regulations. The remuneration
insentif dan/atau tunjangan yang bersifat tetap dan/ structure may include salaries, honorariums, incentives,
atau variabel; and/or allowances, whether fixed and/or variable;
2. Berdasarkan hasil evaluasi tersebut Komite Nominasi 2. Based on the evaluation results, the Nomination and
dan Remunerasi akan memberikan rekomendasi kepada Remuneration Committee will provide recommendations
Dewan Komisaris mengenai struktur remunerasi, to the Board of Commissioners on the remuneration
kebijakan remunerasi dan besaran remunerasi Dewan structure, policy, and amount for the Board of
Komisaris dan Direksi; Commissioners and the Board of Directors;
3. Dewan Komisaris akan menyampaikan usulan mengenai 3. The Board of Commissioners will submit a proposal
honorarium bagi Dewan Komisaris dan Direksi serta on honorarium for the Board of Commissioners and
tantiem bagi Dewan Komisaris dan Direksi kepada the Board of Directors, as well as bonus for the Board
Pemegang Saham untuk mendapat persetujuan RUPS. of Commissioners and the Board of Directors, to the
Shareholders for the GMS approval.
Bagan Prosedur Penetapan Remunerasi Dewan Komisaris dan Direksi
Chart of Procedure for Determining Remuneration for the Board of Commissioners and Board of Directors
Komite Nominasi & Dewan Komisaris Struktur & besaran
Remunerasi menyampaikan menyampaikan usulan remunerasi Dewan Komisaris
rekomendasi mengenai struktur & besaran diagendakan, dibahas, dan
struktur & besaran remunerasi Dewan Komisaris diputuskan dalam RUPS
remunerasi Dewan Komisaris kepada pemegang saham
kepada Dewan Komisaris dalam RUPS The structure and amount of
remuneration for the Board of
The Nomination & The Board of Commissioners Commissioners is scheduled,
Remuneration Committee submits the Proposed discussed and decided at the
submits recommendations Structure & Amount of GMS
regarding the structure & Remuneration for the
amount of remuneration of the Board of Commissioners to
Board of Commissioners to Shareholders at the GMS
the Board of Commissioners
01 02 03
92 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 95
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Remunerasi Dewan Komisaris dan Direksi Tahun Remuneration for the Board of Commissioners
2024 and the Board of Directors in 2024
Dewan Komisaris dan Direksi telah menerima besaran The Board of Commissioners and Board of Directors
remunerasi berdasarkan persetujuan Rapat Umum received the remuneration amount based on the approval
Pemegang Saham Perseroan. Realisasi remunerasi of the Company’s General Meeting of Shareholders.
anggota Dewan Komisaris dan Direksi serta komponennya The realization of remuneration for members of the
pada tahun 2024 disajikan dalam Laporan Tahunan 2024. Board of Commissioners and Board of Directors, along
with its components in 2024, is presented in the 2024
Annual Report.
Pengembangan Kompetensi Terkait Keuangan Berkelanjutan [OJK E.2][GRI 2-17]
[ESG G-05]
Development of Competencies Related to Sustainable Finance [OJK E.2][GRI 2-17]
[ESG G-05]
Peningkatan Kapabilitas Dewan Komisaris dan Capability Building of the Board of
DPS [ESG G-05] Commissioners and DPS [ESG G-05]
Perseroan menyelenggarakan program pengenalan bagi The Company organizes an orientation program for newly
Anggota Dewan Komisaris dan DPS yang baru. Anggota appointed members of the Board of Commissioners and
Dewan Komisaris dan DPS juga mendapatkan program Sharia Supervisory Board (DPS). Members of the Board of
pelatihan atau peningkatan kapabilitas setiap tahun sesuai Commissioners and DPS also receive annual training or
kebutuhan untuk meningkatkan kinerja pengawasan. capability enhancement programs as needed to improve
supervisory performance.
Kebijakan program pengenalan dan pelatihan bagi Anggota The policy on orientation and training programs for
Dewan Komisaris dan DPS sebagaimana diatur dalam members of the Board of Commissioners and DPS, as
Board Manual adalah sebagai berikut: outlined in the Board Manual, is as follows:
1. Untuk Anggota Dewan Komisaris yang baru diangkat, 1. Newly appointed members of the Board of
wajib diberikan program pengenalan mengenai kondisi Commissioners must be provided with an orientation
Perseroan secara umum. program on the Company’s general conditions.
2. Penanggung jawab program pengenalan adalah 2. The Corporate Secretary or an official performing
Sekretaris Perusahaan atau pejabat yang menjalankan the Corporate Secretary function is responsible for
fungsi sebagai Sekretaris Perusahaan. organizing the orientation program.
3. Program pengenalan meliputi: 3. The orientation program includes:
a. Pelaksanaan prinsip-prinsip Good Corporate a. Implementation of Good Corporate Governance
Governance di Perseroan; principles within the Company;
b. Keterangan mengenai tugas, tanggung jawab, dan b. Explanation of the duties, responsibilities, and
hak Dewan Komisaris dan Direksi serta hal lain rights of the Board of Commissioners and Board of
yang dilarang berdasarkan ketentuan dan Peraturan Directors, as well as prohibited actions based on
Perundangan yang Berlaku; applicable laws and regulations;
c. Gambaran mengenai Perseroan berkaitan dengan c. Overview of the Company, including its objectives,
tujuan, sifat, dan lingkup kegiatan, kinerja keuangan nature, and scope of activities, financial and
dan operasi, strategi, rencana usaha jangka pendek operational performance, strategies, short-term and
dan jangka panjang, risiko, pengendalian internal dan long-term business plans, risks, internal control, and
masalah-masalah strategis lainnya; other strategic issues;
d. Keterangan berkaitan dengan kewenangan yang d. Information on delegated authority, internal and
didelegasikan, audit Internal dan eksternal, external audits, internal control systems and policies,
sistem dan kebijakan pengendalian Internal serta as well as the Audit Committee;
Komite Audit.
e. Program pengenalan dapat berupa presentasi, e. The orientation program may be in the form of
pertemuan, kunjungan ke fasilitas Perseroan, presentations, meetings, visits to the Company’s
kunjungan ke kantor-kantor cabang, pengkajian facilities, visits to branch offices, reviews of Company
dokumen Perseroan atau program lainnya yang documents, or other programs deemed appropriate
dianggap sesuai dengan kebutuhan. based on requirements.
Pada tahun 2024 telah dilakukan program pengenalan In 2024, an orientation program was conducted for the
untuk Anggota Dewan Komisaris yang baru yaitu Bapak newly appointed member of the Board of Commissioners,
Abdul Ghofar. Mr. Abdul Ghofar.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 93
Page 96
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Board Manual mengatur kebijakan tentang program The Board Manual regulates the policy on competency
peningkatan kompetensi bagi Dewan Komisaris development programs for the Board of Commissioners as
sebagai berikut: follows:
1. Program peningkatan kompetensi dilaksanakan dalam 1. The competency development program is implemented
rangka meningkatkan efektivitas kerja Dewan Komisaris; to enhance the Board of Commissioners’ performance
effectiveness;
2. Rencana untuk melaksanakan program peningkatan 2. Plans for implementing the competency development
kompetensi harus dimasukkan dalam rencana kerja dan program must be included in the Board of
anggaran Dewan Komisaris; Commissioners’ work plan and budget;
3. Anggota Dewan Komisaris yang bersangkutan 3. The respective member of the Board of Commissioners
bertanggung jawab untuk membuat laporan tentang is responsible for preparing a report on the attended
pelaksanaan program peningkatan kompetensi; competency development program;
4. Laporan tersebut disampaikan kepada 4. The report must be submitted to the Board
Dewan Komisaris. of Commissioners.
Program-program pelatihan atau peningkatan kapabilitas The training or capability enhancement programs attended
yang diikuti anggota Dewan Komisaris dan DPS selama by members of the Board of Commissioners and Sharia
tahun 2024, disajikan dalam Laporan Tahunan Tugu Supervisory Board (DPS) throughout 2024 are presented in
Insurance 2024. the 2024 Annual Report of Tugu Insurance.
Peningkatan Kapabilitas Direksi [ESG S-05] Board of Directors’ Capability Improvement [ESG
S-05]
Tugu Insurance menyelenggarakan program peningkatan Tugu Insurance organizes capability and competency
kapabilitas dan kompetensi bagi Anggota Direksi bertujuan improvement programs for the Board of Directors’
untuk memperbaharui informasi tentang perkembangan members to update information on the latest developments
terkini terkait core business perasuransian dan peraturan related to the insurance core business and applicable laws
perundang-undangan yang berlaku. and regulations.
Ketentuan-ketentuan tentang program peningkatan The provisions on competency enhancement program for
kompetensi bagi Direksi adalah sebagai berikut: the Board of Directors are as follows:
1. Program peningkatan kompetensi dilaksanakan dalam 1. The competency improvement program is implemented
rangka meningkatkan efektivitas kerja Direksi; to increase the Board of Directors’ performance
effectiveness;
2. Rencana untuk melaksanakan program peningkatan 2. The plan for organizing competency improvement
kompetensi harus dimasukkan dalam rencana kerja dan program must be included in the Board of Directors’
anggaran Direksi; work plan and budget;
3. Anggota Direksi yang bersangkutan harus membuat 3. The respective member of the Board of Directors must
laporan tentang pelaksanaan Program Peningkatan prepare a report on the Competency Improvement
Kompetensi dan disampaikan kepada Direksi. Program attebded and submit it to the Board
of Directors.
Program-program pelatihan dan peningkatan kapabilitas The training and capacity-building programs attended by the
yang diikuti Anggota Direksi selama tahun 2024, disajikan Board of Directors in 2024 are presented in the the 2024
dalam Laporan Tahunan Tugu Insurance 2024. Annual Report of Tugu Insurance.
Pengembangan Kompetensi Pejabat/Unit Competency Development of Officer/Work Unit
Kerja Penanggung Jawab Penerapan Keuangan in Charge of Sustainable Finance Implementation
Keberlanjutan
Sepanjang tahun 2024, Pejabat/Unit Kerja Penanggung Throughout 2024, the Sustainability Officer/Unit
Jawab Keberlanjutan telah mengikuti program pelatihan participated in the following training or competency
atau pengembangan kompetensi sebagai berikut: development programs:
94 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 97
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Materi Pengembangan
Nama Jabatan Kompetensi Pelatihan Penyelenggara Tanggal
Name Position Training Competency Development Organizer Date
Subject
Abdul Ghofar Presiden Komisaris dan QRGP WDA Juni 2024
Komisaris Independen June 2024
President Commissioner
and Independent
Commissioner
Bagus Agung Komisaris Analisa Laporan Keuangan Perusahaan WDA Maret 2024
Rahadiansyah Commissioner Asuransi Berbasis Psak 74 dan March 2024
Dampaknya Bagi Perkembangan Industri
Asuransi
Analysis of Insurance Company's Financial
Statements Based on PSAK 74 and Its
Impact on Insurance Industry Development
Samuel Ramna Komisaris Analisa Laporan Keuangan Perusahaan WDA Maret 2024
Commissioner Asuransi Berbasis Psak 74 dan March 2024
Dampaknya Bagi Perkembangan Industri
Asuransi
Analysis of Insurance Company's Financial
Statements Based on PSAK 74 and Its
Impact on Insurance Industry Development
Seeing The Unseen Enemies: Crucial CRMS 22 November
Role of Whistleblowers in Detecting and 2024
Preventing Cyberfraud 22 November
2024
Konferensi Internasional Risk Beyond CRMS November 2024
2024 November 2024
Risk Beyond 2024 International
Conference
Tajudin Noor Komisaris Independen Fundamentals on Anti Fraud Risk IRMAPA Mei 2024
Independent Management May 2024
Commissioner Mengintegrasikan Manajemen Kepatuhan: CRMS Juni 2024
Implementasi POJK 22/2023 Dari Teori Ke June 2024
Aksi: Kasus Perlindungan Konsumen
Integrating Compliance Management:
Implementation of POJK 22/2023 from
Theory to Action: Consumer Protection
Case
Konferensi Internasional Risk Beyond LSP MKS Desember 2024
2024 December 2024
Risk Beyond 2024 International
Conference
Poerwo Tjahjono Komisaris Independen Mengintegrasikan Manajemen Kepatuhan: CRMS Juni 2024
Independent Implementasi POJK 22/2023 dari Teori Ke June 2024
Commissioner Aksi: Kasus Perlindungan Konsumen
Integrating Compliance Management:
Implementation of POJK 22/2023 from
Theory to Action: Consumer Protection
Case
Tatang Nurhidayat Presiden Direktur Sosialisasi Anti Fraud & Whistleblowing Tugu Institute X 16 Juli 2024
President Director System Internal Audit Group 16 July 2024
Anti-Fraud & Whistleblowing System
Socialization
Desi Adhariani Anggota Komite Seeing The Unseen Enemies: Crucial CRMS November 2024
Pemantau Risiko Role of Whistleblowers in Detecting and November 2024
Member of Risk Preventing Cyberfraud
Monitoring Committee
Herty Lidiyani Tiwow Government, Public Measuring Social Return on Investment CECT Sustainability September
Relation, & CSR Dept. 2024
Head September
2024
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 95
Page 98
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Penilaian Risiko atas Penerapan Keuangan Berkelanjutan [OJK E.3]
Risk Assessment on Sustainable Finance Implementation [OJK E.3]
Penilaian risiko merupakan proses identifikasi risiko- Risk assessment is the process of identifying risks that
risiko yang dapat terjadi untuk kemudian dilakukan may occur and then analyzing (measuring) them and
analisis (pengukuran) serta diberi atribut (kriteria) sesuai assigning attributes (criteria) according to the analysis
hasil analisis yang dilakukan sehingga kemudian dapat results, and thus, an evaluation can be carried out on the
dilakukan evaluasi tentang tingkat prioritas perlakuan priority level of treatment for these risks.
terhadap risiko-risiko tersebut.
Penerapan manajemen risiko merupakan proses The risk management is applied in a continuous and
berkesinambungan dan berkelanjutan untuk mengantisipasi ongoing manner to anticipate external and internal factors
faktor eksternal dan internal yang menimbulkan that cause uncertainty in achieving the Company’s goals.
ketidakpastian dalam mencapai tujuan Perusahaan. Risk Management is part of Good Corporate Governance
Manajemen Risiko merupakan bagian dari Good Corporate (GCG), which is the basis for managing risks at all Company
Governance (GCG) yang menjadi dasar dalam pengelolaan levels, aiming to achieve and improve performance. All
risiko-risiko di semua tingkatan Perusahaan dalam rangka organization levels are responsible for dealing with risk
pencapaian dan peningkatan kinerja. Pengelolaan risiko management, starting from the Board of Commissioners,
yang dihadapi Perusahaan menjadi tanggung jawab seluruh Sharia Supervisory Board, Board of Directors, Senior
lapisan organisasi mulai dari Dewan Komisaris, Dewan Management, and all levels of Employees.
Pengawas Syariah, Direksi, Manajemen Senior dan seluruh
lapisan Karyawan.
Kerangka Penerapan Manajemen Risiko Risk Management Implementation Framework
Tugu Insurance telah memiliki dan menerapkan sistem Tugu Insurance already has and applies a risk management
manajemen risiko yang tertuang dalam Pedoman system as outlined in the Company’s Risk Management
Manajemen Risiko Perseroan. Kebijakan Pedoman tersebut Guidelines. The Guidelines policy is continuously adjusted
terus disesuaikan selaras dengan strategi bisnis, struktur in line with business strategy, organizational structure,
organisasi, ketentuan Internal dan eksternal, karakteristik internal and external provisions, characteristics and
dan kompleksitas kegiatan usaha Perusahaan serta complexity of the Company’s business and is adaptive
adaptif terhadap perubahan, penerapan manajemen to change. The implementation of risk management
risiko mengacu kepada standar SNI ISO 31000:2018 refers to SNI ISO 31000:2018 standard (Risk-Based
(Manajemen Risiko Berbasis Risiko) yang terdiri dari Risk Management), which consists of risk management
prinsip, kerangka kerja dan proses Manajemen Risiko. principles, frameworks, and processes.
Pelaksanaan manajemen risiko melibatkan seluruh unsur The implementation of risk management involves all
dalam organisasi mulai dari manajemen hingga seluruh elements within the organization, from management to
karyawan. Seluruh unsur tersebut berperan aktif dalam operational employees. All these elements play an active
konteks sistem pengendalian Model Tiga Lini “Three role in the context of the Three Lines Model control system
Lines Model” dengan prinsip pencegahan, deteksi, dan with the principles of prevention, detection, and direction,
pengarahan, dengan penjelasan sebagai berikut: with the following explanation:
Lini-1: First Line of Defense Line-1: First Line of Defense
Merupakan unit kerja pemilik risiko yang melaksanakan This is a risk owner work unit that carries out business
fungsi bisnis serta unit kerja operasional dan pendukung functions as well as operational and business support. In
bisnis. Dalam menjalankan aktivitas sehari-hari, unit carrying out daily activities, this work unit deals directly
kerja ini berhadapan langsung dengan berbagai jenis dan with various types and potential risks. All functions in
kemungkinan risiko. Seluruh fungsi pada lini pertama the first line are responsible for identifying and managing
bertanggung jawab untuk mengidentifikasi dan mengelola risks associated with each product, activity, process, and
risiko yang terkait dengan setiap produk, kegiatan, proses system that is running, and are expected to have high risk
dan sistem yang dijalankan, serta diharapkan memiliki awareness to manage risks effectively.
kesadaran risiko yang tinggi untuk mengelola risiko
dengan efektif.
Lini-2: Second Line of Defense Line-2: Second Line of Defense
dilaksanakan oleh unit kerja Manajemen Risiko dan unit This is carried out by the Risk Management work unit
kerja Kepatuhan. Unit kerja di lini kedua bertanggung and Compliance work unit. The work unit in the second
jawab untuk mengembangkan strategi Manajemen Risiko, line is responsible for developing a Risk Management
memelihara dan mengembangkan secara berkelanjutan strategy, maintaining, and continuously developing a risk
96 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 99
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
kerangka pengelolaan risiko, serta memberikan management framework, and providing input and direction
masukan dan arahan kepada unit kerja bisnis dan unit to business and supporting work units on risk management
kerja pendukung mengenai proses pengelolaan risiko, process, risk measurement, and reporting.
pengukuran risiko dan pelaporan.
Lini-3: Third Line of Defense Line-3: Third Line of Defense
Merupakan unit internal audit berfungsi sebagai unit This is an internal audit unit that functions as an
independen yang melaksanakan audit berbasis risiko dan independent unit performing risk-based audits and
memberikan nilai tambah kepada lini pertama dan kedua, providing added value to the first and second lines,
untuk memastikan bahwa seluruh elemen Perusahaan ensuring that all Company elements have carried out their
telah melaksanakan fungsi dan tanggung jawabnya dengan functions and responsibilities properly, including ensuring
baik, termasuk memastikan kesesuaian dengan kebijakan compliance with the Company’s management policies and
manajemen Perusahaan dan regulasi yang berlaku. applicable regulations.
Selain Kebijakan Manajemen Risiko, Tugu Insurance juga In addition to the Risk Management Policy, Tugu Insurance
membentuk Unit Kerja Manajemen Risiko di bawah Direktur has also established a Risk Management Unit under the
Kepatuhan dan Manajemen Risiko untuk melaksanakan Director of Compliance and Risk Management to carry out
pengelolaan risiko. Unit Kerja Manajemen Risiko risk management activities. The Risk Management Unit
merupakan unit kerja yang independen dari unit bisnis dan operates independently from the Company’s business
unit operasional Perseroan, dan memiliki tanggung jawab and operational units and has the main responsibility
utama untuk memastikan proses penerapan manajemen of ensuring that the risk management implementation
risiko telah berjalan efektif di Perseroan. process runs effectively within the Company.
Pilar Penerapan Manajemen Risiko Pillars of Risk Management Implementation
Penerapan manajemen Risiko Perseroan mencakup hal-hal The implementation of the Company’s risk management
sebagai berikut: includes the following aspects:
1. Pengawasan Aktif Direksi, Dewan Komisaris, dan Dewan 1. Active Supervision by the Board of Directors, Board of
Pengawas Syariah. Ketiganya bertanggung jawab atas Commissioners, and Sharia Supervisory Board. These
efektivitas penerapan Manajemen Risiko di Perseroan. three entities are responsible for the effectiveness
Oleh karena itu, Direksi, Dewan Komisaris dan Dewan of risk management implementation within the
Pengawas Syariah diharuskan untuk: Company. Therefore, the Board of Directors, Board of
Commissioners, and Sharia Supervisory Board are
required to:
a. Mengetahui informasi risiko, jenis risiko dan tingkat a. Know about risk information, types of risks, and risk
risiko yang melekat pada kegiatan usaha Perseroan; levels inherent in the Company’s business activities;
b. Memberikan arahan yang jelas dalam penerapan b. Provide clear guidance on the implementation of risk
manajemen risiko; management;
c. Melakukan pengawasan dan mitigasi risiko c. Actively monitor and mitigate risks;
secara aktif;
d. Mengembangkan budaya manajemen risiko d. Develop a strong risk management culture within the
Perseroan; Company;
e. Memastikan struktur organisasi yang memadai e. Ensure an adequate organizational structure along
beserta tugas dan tanggung jawab masing-masing, with clear roles and responsibilities to support the
untuk mendukung penerapan Manajemen Risiko effective implementation of risk management;
yang efektif;
f. Memastikan kecukupan kuantitas dan kualitas f. Ensure the adequacy of human resources quantity
sumber daya manusia untuk penerapan manajemen and quality for effective implementation of
risiko secara efektif. risk management.
Dalam pelaksanaan penerapan manajemen risiko, In implementing risk management, active supervision
pengawasan aktif oleh Direksi, Dewan Komisaris dan from the Board of Directors, Board of Commissioners,
Dewan Pengawas Syariah dilaksanakan melalui: and Sharia Supervisory Board is carried out through:
a. Pelaksanaan rapat Komite Pemantau Risiko a. Organizing Risk Monitoring Committee’s regular
secara berkala; meetings;
b. Pelaksanaan rapat Komite Manajemen Risiko b. Organizing Risk Management Committee’s
secara berkala; regular meetings;
c. Pelaksanaan Rapat Dewan Pengawas Syariah secara c. Organizing Sharia Supervisory Board’s regular
berkala dan mengawasi pemenuhan prinsip syariah meetings and overseeing the fulfillment of Sharia
atas produk, aktivitas unit usaha Syariah Perusahaan principles for the Company’s Sharia business unit
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 97
Page 100
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
agar sesuai dengan fatwa Dewan Syariah Nasional- products and activities in accordance with the fatwas
Majelis Ulama Indonesia; of National Sharia Board-Indonesian Ulema Council;
d. Menetapkan, monitoring dan review atas pelaksanaan d. Regularly establishing, monitoring, and reviewing the
mitigasi Top Risk Register on Going Business implementation of mitigation for the Company’s Top
Perseroan secara berkala; Risk Register on Going Business;
e. Monitoring dan review atas Early Warning System/Key e. Regularly monitoring and reviewing the Company’s
Risk Indicator Perseroan secara berkala; Early Warning System/Key Risk Indicators;
f. Pelaporan hasil assessment profil risiko terintegrasi f. Regularly reporting the integrated risk profile
yang disampaikan secara berkala; assessment results;
g. Pelaporan hasil self assessment Tingkat Kesehatan g. Annually reporting the Company’s self-assessment
Perseroan (tata kelola yang baik, profil risiko, results on financial soundness (including good
rentabilitas dan permodalan) secara tahunan; governance, risk profile, profitability, and capital
adequacy);
h. Mengembangkan budaya sadar risiko (risk awareness) h. Developing a risk awareness culture through
melalui sosialisasi, training dan campaign flyer dissemination, training, and risk management
manajemen risiko; campaign flyers;
i. Mengadakan pertemuan antara Unit Kerja i. Organizing meetings between the Risk Management
Manajemen Risiko dengan Komite Pemantau Risiko; Unit and the Risk Monitoring Committee;
j. Mengikutsertakan pegawai dalam training, seminar, j. Enrolling employees in training, seminars, workshops,
workshop, maupun sertifikasi profesi; and professional certification programs.
2. Kecukupan kebijakan, prosedur dan penetapan limit 2. Adequacy of policies, procedures, and determination of
risiko risk limit
Penerapan Manajemen Risiko yang efektif harus The Risk Management System implemented by Tugu
didukung dengan kerangka yang mencakup kebijakan Insurance consists of risk management policies,
dan prosedur Manajemen Risiko serta limit risiko procedures, and clearly defines risk limits in alignment
yang ditetapkan secara jelas sejalan dengan visi, with the Company’s vision, mission, and business
misi dan strategi bisnis Perseroan. Penyusunan strategy. The formulation of these risk management
kebijakan dan prosedur Manajemen Risiko dilakukan policies and procedures considers various factors,
dengan memperhatikan antara lain karakteristik dan including the business characteristics and complexity,
kompleksitas kegiatan bisnis, tingkat risiko yang akan risk appetite and risk tolerance, risk profile, and
diambil, toleransi risiko, profil risiko serta ketentuan applicable regulatory requirements. The Company
regulator yang berlaku. Kecukupan kebijakan, prosedur, continuously enhances, refines, and updates its risk
dan penetapan limit risiko ditentukan melalui: management policies and procedures to align with
business developments and regulatory provisions.
a. Perseroan memiliki Pedoman Manajemen Risiko a. The Company has a Risk Management Guideline
yang mencakup prinsip Manajemen Risiko, kerangka that includes Risk Management principles, the
Manajemen Risiko, penerapan Manajemen Risiko, Risk Management framework, Risk Management
wewenang dan tanggung jawab, serta kebijakan implementation, authorities and responsibilities, as
Manajemen Risiko; well as Risk Management policies;
b. Menetapkan dan melakukan kaji ulang Risk Appetite b. Establishing and reviewing the Risk Appetite
Statement serta pelaporan Key Risk Indicator/ Statement and reports the Key Risk Indicator/
Early Warning System Perseroan setiap bulannya Early Warning System on a monthly basis to ensure
untuk mengelola risiko agar tetap berada dalam that risks remain within the acceptable tolerance
batasan toleransi risiko, serta memberikan limits, as well as providing reasonable assurance
keyakinan yang memadai dalam rangka pencapaian for achieving the Company’s goals and objectives.
tujuan dan sasaran Perseroan. Perseroan secara The Company continuously enhances, refines,
berkelanjutan melengkapi, menyempurnakan, dan and updates its Risk Management policies and
mengkinikan kebijakan dan prosedur Manajemen procedures to align with business developments and
Risiko agar sesuai dengan perkembangan usaha dan regulatory requirements.
ketentuan regulator.
3. Kecukupan proses identifikasi, pengukuran, 3. Adequacy of risk identification, measurement,
pengendalian dan pemantauan risiko serta sistem control, and monitoring processes, as well as the risk
informasi manajemen risiko management information system
Perseroan mendesain arsitektur manajemen risiko The Company designs its risk management
dengan menggunakan SNI ISO 31000:2018 (penerapan architecture based on SNI ISO 31000:2018 (risk-
manajemen risiko berbasis risiko) mulai dari prinsip based risk management implementation), covering
yang digunakan, framework dan standar proses the principles used, framework, and risk management
manajemen risiko. process standards.
98 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 101
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Pelaksanaan proses manajemen risiko Perseroan The Company’s risk management process is carried out
dilakukan sebagai berikut: as follows:
a. Identifikasi Risiko a. Risk Identification
• Identifikasi risiko yang melekat pada kegiatan • Identification of risks inherent in each work unit’s
unit kerja dilakukan oleh masing-masing pemilik activities is carried out by the respective risk
risiko (risk owner) berkoordinasi dengan masing- owners in coordination with the risk champions
masing risk champion dari masing-masing unit of each unit. This aims to encourage work units
kerja dengan tujuan untuk mendorong unit kerja to identify risks inherent in their functions and
mengidentifikasi risiko yang melekat pada fungsi implement risk mitigation measures;
masing-masing dan melakukan mitigasi atas risiko
yang dihadapinya;
• Menggunakan metode yang dapat berlaku untuk • Using a methodology applicable to all Company
seluruh aktivitas Perseroan; dan activities;
• Hasil profil risiko dari setiap fungsi/unit kerja • The risk profile results from each function/unit are
didokumentasikan sebagai risk register. documented as a risk register.
b. Pengukuran Risiko b. Risk Measurement
• Sistem pengukuran risiko digunakan untuk • The risk measurement system is used to assess
mengukur exposure risiko Perseroan sebagai the Company’s risk exposure as a reference
acuan untuk melakukan pengendalian. Pengukuran for implementing control measures. Risk
risiko dilakukan secara berkala terhadap aktivitas measurement is conducted regularly on the
bisnis dan operasional Perseroan; Company’s business and operational activities;
• Setiap fungsi/unit kerja melakukan pengukuran • Each function/unit measures every risk in the risk
setiap risiko di dalam risk register on Going register on Going Business, quantitatively and
Business baik yang bersifat kuantitatif maupun qualitatively, by referring to past trends, estimating
kualitatif dengan mengacu pada kecenderungan the Company’s potential losses, and using
yang terjadi di masa lalu dan estimasi potensi appropriate assumptions to support accuracy
kerugian Perusahaan serta asumsi yang sesuai and fairness.
untuk mendukung akurasi dan kewajaran.
c. Pengendalian Risiko c. Risk Management
Pengendalian risiko dilakukan oleh Perseroan antara Risk management is carried out by the Company
lain dengan cara mekanisme lindung nilai, dan through mechanisms such as hedging and risk
metode mitigasi risiko. mitigation methods.
d. Pemantauan Risiko d. Risk Monitoring
• Perseroan melakukan pemantauan terhadap • The Company monitors the amount of risk
besarnya exposure risiko, toleransi risiko exposure, risk tolerance, and stress testing results
dan hasil stress testing secara berkala dan regularly and continuously by comparing emerging
berkesinambungan dengan membandingkan risks with the predetermined risk limits;
risiko yang muncul dengan limit risiko yang telah
ditetapkan; dan
• Pemantauan pelaksanaan mitigasi Risk Register • The monitoring of Risk Register mitigation
setiap fungsi/unit kerja disajikan dalam laporan implementation for each function/unit is presented
berkala setiap bulannya disertai dengan evidence in a monthly report, accompanied by evidence of
pelaksanaan mitigasi. mitigation actions.
e. Sistem Informasi Manajemen Risiko e. Risk Management Information System
Perseroan telah memiliki Sistem Informasi The Company has a web application-based Risk
Manajemen Risiko berbasis Aplikasi Web sebagai Management Information System as part of its
tindak lanjut pengembangan infrastruktur sistem efforts to develop risk management information
informasi manajemen risiko. Aplikasi tersebut adalah system infrastructure. This application, known as
Tugu Enterprise Risk Management System (T-ERMS) Tugu Enterprise Risk Management System (T-ERMS),
yang merupakan sebuah sistem untuk mendukung is designed to support the administrative aspects
kegiatan administratif pengelolaan risiko mulai dari of risk management, including risk identification,
proses identifikasi risiko, analisis risiko, monitoring risk analysis, risk monitoring, and risk reporting,
risiko sampai dengan penyampaian laporan risiko enabling these processes to be carried out easily
yang dapat dilakukan secara mudah dan cepat. and efficiently.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 99
Page 102
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Perseroan telah memiliki sistem informasi manajemen The Company has a risk management information
risiko yang antara lain diwujudkan dalam bentuk system which, among others, is realized in the form of
penyampaian Laporan sebagai berikut: the submission of reports as follows:
a. Pelaporan hasil assessment profil risiko perusahaan a. Regular report of the Company’s risk profile
secara berkala; assessment results;
b. Pelaporan Tingkat Kesehatan Perseroan b. Report of the Company’s Risk-Based Financial
berbasis Risiko; Soundness Level;
c. Pelaporan Monitoring pelaksanaan mitigasi Top Risk c. Monitoring report on the mitigation of Top Risk
Register on going business; Register on going business;
d. Pelaporan Penyediaan Modal Minimum; d. Minimum Capital Requirement Report;
e. Pelaporan Pemantauan Risk Appetite Statement, Early e. Monitoring report on Risk Appetite Statement and
Warning System (Key Risk Indicator); Early Warning System (Key Risk Indicators);
f. Review limit risiko (rule rating) dalam penilaian faktor f. Regular review of risk limits (rule rating) in assessing
tingkat Kesehatan, yang mencakup Profil Risiko, financial soundness level, including Risk Profile,
Rentabilitas dan permodalan serta penetapan Profitability, and Capital, as well as determining Risk
Risk Appetite dan Risk Tolerance Perusahaan Appetite and Risk Tolerance;
secara berkala;
g. Pencatatan dan pemutakhiran database untuk g. Recording and updating the database for potential
potensial dan aktual kerugian Perusahaan; and actual Company losses;
h. Uji pengendalian internal terhadap mitigasi risiko h. Internal control testing for planned risk mitigation;
yang telah direncanakan;
i. Rencana tindak lanjut manajemen. i. Management action plans for follow-up measures.
4. Sistem Pengendalian Internal yang Menyeluruh 4. Comprehensive Internal Control System
Penerapan sistem pengendalian internal yang handal The implementation of a reliable and effective internal
dan efektif menjadi tanggung jawab dari seluruh satuan control system is the responsibility of all operational units,
kerja operasional dan satuan kerja pendukung serta support units, and internal audit unit. Tugu Insurance
satuan kerja audit intern. Tugu Insurance melaksanakan adopts an internal control system in risk management by
sistem pengendalian internal dalam penerapan implementing Internal Control over Financial Reporting
manajemen risiko dengan menerapkan Internal Control (ICoFR), which serves as a Risk Control Self-Assessment
over Financial Reporting (ICoFR) yang merupakan Risk (RCSA) in the financial reporting process to prevent and
Control Self Assessment (RCSA) pada proses pelaporan detect material misstatements in a timely manner.
keuangan untuk dapat mencegah dan mendeteksi salah
saji material secara tepat waktu.
Manajemen Keberlangsungan Usaha Business Continuity Management
Perseroan telah memiliki Kebijakan Manajemen The Company has established a Business Continuity
Keberlangsungan Usaha (Business Continuity Management) Management (BCM) Policy aimed at ensuring emergency
yang bertujuan untuk meyakinkan tanggap darurat, usaha response, business continuity, and recovery processes
keberlangsungan, proses pemulihan pada kegiatan proses for the Company’s business operations proceed as
bisnis Perusahaan berjalan sesuai dengan perencanaan planned when facing potential hazards, disasters, other
dalam menghadapi potensi bahaya, bencana (disaster), abnormal conditions, or force majeure events that may
serta kondisi di luar normal lainnya atau keadaan disrupt operations.
kahar (force majeure) yang berpotensi mengganggu
kegiatan operasional.
Secara spesifik tujuan manajemen keberlangsungan usaha The specific objectives of the Company’s business
Perusahaan adalah sebagai berikut: continuity management are as follows:
1. Memastikan perusahaan dapat terus beroperasi dengan 1. Ensure that the Company can continue operating
efektif selama terjadi gangguan dan selama masa effectively during disruptions and throughout the
pemulihan terhadap gangguan yang timbul; recovery period;
2. Melindungi pemangku kepentingan, reputasi 2. Protect stakeholders, reputation, and business
dan kelangsungan bisnis dari dampak gangguan continuity from the impact of disruptions on the
terhadap perusahaan; Company;
3. Memastikan dampak gangguan tidak menginterupsi 3. Ensure that disruptions do not interfere with the
strategi perusahaan dalam mencapai tujuan; Company’s strategy in achieving its objectives;
4. Mengidentifikasikan sumber daya yang dibutuhkan untuk 4. Identify the resources required for business continuity;
keberlangsungan bisnis;
5. Menyusun strategi pemulihan yang tepat; 5. Develop appropriate recovery strategies;
100 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 103
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
6. Memastikan sumber daya yang dimiliki 6. Ensure that the Company’s resources can be reallocated
perusahaan dapat dikelola kembali demi berjalannya to resume business as usual;
business as usual;
7. Meningkatkan kesadaran kepada pegawai akan 7. Improve employee awareness of the importance of
pentingnya keberlangsungan bisnis perusahaan. business continuity.
Kebijakan Anti Korupsi dan Gratifikasi [ESG G-7] Anti-corruption and Gratification Policy [ESG
G-7]
Tugu Insurance telah memiliki kebijakan anti korupsi Tugu Insurance has established an anti-corruption and
dan gratifikasi. Di lingkungan Perseroan, mendefinisikan gratification policy. Within the Company, gratification is
gratifikasi mencakup pemberian atau penerimaan hadiah, defined as the giving or receiving of gifts, souvenirs,
cinderamata, dan hiburan atau hiburan kepada Insan Tugu and entertainment by or for Tugu Insurance personnel.
Insurance. Hal ini berlaku baik di dalam negeri maupun This policy applies both domestically and internationally,
di luar negeri, dan baik dilakukan dengan maupun tanpa whether conducted through electronic means or otherwise.
sarana elektronik. Mengingat sifatnya, gratifikasi menjadi Considering its nature, gratification is a particular concern
salah satu perhatian khusus Perseroan karena dapat for the Company, as it may lead to bribery or corruption,
menyebabkan tindak pidana suap atau korupsi yang dapat which could jeopardize the Company’s existence.
membahayakan keberadaan perusahaan.
Pedoman Gratifikasi Gratification Guidelines
Tugu Insurance telah menyediakan panduan yang jelas bagi Tugu Insurance has provided clear guidelines for all
seluruh Insan Tugu Insurance dalam mensikapi gratifikasi Tugu Insurance personnel in addressing gratification to
sehingga menghindari peluang terjadinya tindak pidana prevent bribery risk. These guidelines are outlined in
suap. Panduan tersebut tertuang dalam Surat Keputusan Board of Directors’ Decision Letter No. 018/SKD/TPI/
Direksi No. 018/SKD/TPI/VII/2014 yang ditetapkan pada VII/2014, issued on 1 July 2014, which was later refined
1 Juli 2014, yang telah disempurnakan dan dimutakhirkan and updated through Guideline No. A-008/9100/2017
dengan Pedoman No. A-008/9100/2017 Revisi Ke-1 (1st Revision) dated 5 December 2017, and enforced
tanggal 5 Desember 2017, yang diberlakukan melalui through SKD No. 011/SKD/CSG/TPI/II/2018 dated 7
SKD No. 011/SKD/CSG/TPI/II/2018 tanggal 7 Februari February 2018, on the Gratification Guidelines of PT Tugu
2018 mengenai Pedoman Gratifikasi PT Tugu Pratama Pratama Indonesia and it was revitalized through SKD
Indonesia dan telah dilakukan revitalisasi melalui SKD SKD No. 65/SKD/06/ERL-ATPI/VIII/2021, stipulated on
No. 65/SKD/06/ERL-ATPI/VIII/2021 ditetapkan tanggal 31 August 2021 on Gratification Control Guidelines No.
31 Agustus 2021 mengenai Pedoman Pengendalian A-001/6500/2021 Revision 2 dated 19 July 2021, as
Gratifikasi No. A-001/6500/2021 Revisi ke-2 tertanggal lastly revitalized under the Gratification Control Guidelines
19 Juli 2021, terakhir dilakukan revitalisasi dengan No. A-006/6440/2024 Revision 3 dated 3 July 2024.
Pedoman Pengendalian Gratifikasi No. A-006/6440/2024 These guidelines aim to foster an awareness-driven and
Revisi Ke-3 tertanggal 3 Juli 2024. Pedoman ini bertujuan controlled organizational environment in handling gratuities,
membentuk lingkungan organisasi yang sadar dan ensuring transparency and accountability in daily business
terkendali dalam penanganan praktik Gratifikasi untuk and operational activities.
mewujudkan prinsip keterbukaan dan akuntabilitas dalam
menjalankan kegiatan operasional dan bisnis sehari-hari.
Strategi Anti-Fraud dan Whistleblowing System Anti-Fraud Strategy and Whistleblowing System
(WBS) (WBS)
Tugu Insurance mengimplementasikan strategi anti-fraud, In addition to its anti-corruption and gratification policy,
yang didukung dengan Whistleblowing System (WBS). Tugu Insurance implements an anti-fraud strategy,
Strategi anti-fraud disusun berdasarkan Surat Edaran supported by a Whistleblowing System (WBS). The anti-
Otoritas Jasa Keuangan No. 46/SEOJK.05/2017 tentang fraud strategy is formulated based on Financial Services
Pengendalian Fraud, Penerapan Strategi Anti-Fraud, dan Authority (OJK) Circular No. 46/SEOJK.05/2017 on
Laporan Strategi Anti-Fraud bagi Perusahaan Asuransi, Fraud Control, Implementation of Anti-Fraud Strategies,
Perusahaan Asuransi Syariah, Perusahaan Reasuransi, and Reporting of Anti-Fraud Strategies for Insurance
Perusahaan Reasuransi Syariah, atau Unit Syariah. Strategi Companies, Sharia Insurance Companies, Reinsurance
Anti-Fraud meliputi: Companies, Sharia Reinsurance Companies, or Sharia
Units. The Anti-Fraud Strategy includes:
1. Pencegahan; 1. Prevention;
2. Deteksi; 2. Detection;
3. Investigasi, pelaporan, dan sanksi; dan 3. Investigation, reporting, and sanctions; and
4. Pemantauan, evaluasi dan tindak lanjut. 4. Monitoring, evaluation, and follow-up.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 101
Page 104
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Dalam hal deteksi, Perseroan telah menyediakan kanal- In terms of detection, the Company has a WBS channel
kanal WBS (WBS channels) untuk penyampaian pengaduan for lodging complaints on alleged violations that occur
atas dugaan pelanggaran yang terjadi di lingkungan Tugu within Tugu Insurance. These violations include violations
Insurance. Pelanggaran tersebut termasuk pelanggaran of the code of conduct, corporate governance, and fraud
atas kode etik, pelanggaran atas tata Kelola perusahaan, allegations. The WBS channels are:
serta dugaan adanya tindakan kecurangan (fraud). Kanal-
kanal WBS tersebut yaitu:
Clean 1 Clean 2
Email clean1@tugu.com clean2@tugu.com
Surat Ke | To: Direksi PT Asuransi Tugu Pratama Indonesia Tbk | Ke | To: Dewan Komisaris PT Asuransi Tugu Pratama Indonesia
Letter Board of Directors of PT Asuransi Tugu Pratama Indonesia Tbk Tbk | Board of Commissioners of PT Asuransi Tugu Pratama
Up: Tim Penanganan Pelaporan Pelanggaran Indonesia Tbk
Attn.: Whistleblowing Handling Team Up: Tim Penanganan Pelaporan Pelanggaran
Attn.: Whistleblowing Handling Team
Website https://tugu.com/aduan-laporan?type=1&lang=id https://tugu.com/aduan-laporan?type=2&lang=id
Pelaporan Tim penanganan Apabila hasil Direksi/
melalui email Pelaporan penelaahan Dewan Komisaris
clean1@tugu.com dan Pelanggaran menunjukan adanya menindaklanjuti
clean2@tugu.com menelaah laporan indikasi pelanggaran, pelaporan pelanggaran
atau surat ke Direksi/ yang masuk. yang memerlukan
pelaporan disampaikan
Dewan Komisaris. pendalaman lebih lanjut
The Whistleblowing ke Direksi/
melalui Komite Audit
Reporting via email handling team reviews the Dewan Komisaris.
untuk dilakukan audit
through clean1@tugu.com incoming reports
If the review results in an khusus/investigasi.
and clean2@tugu.com, or
indication of violation, the
letter addressed to the Follow-up on violations
report is submitted to the
Board of Directors/Board reporting that required
Board of Directors/ Board
of Commissioners. deeper investigation by
of Commissioners.
the Board of Directors/
Board of Commissioners
through special audits/
investigations carried out by
the Audit Committee.
1 2 3 4
Diteruskan ke
Penyelesaian
Pengaduan Masuk Diterima oleh PIC User Terkait
Pengaduan
Complaint Sent Received by PIC Forwarded to Related
Complaint Sent
User
Kanal clean1 digunakan apabila terlapor adalah pekerja The clean1 channel is used if the reported party is a
Perseroan selain Dewan Komisaris dan Direksi, sementara Company employee other than the Board of Commissioners
kanal clean2 digunakan apabila terlapor adalah Direksi, and Board of Directors, while the clean2 channel is used
Dewan Komisaris, dan organ Pendukung Dewan Komisaris. if the reported party is the Board of Directors, Board of
Selain itu, laporan juga dapat disampaikan ke kanal WBS Commissioners, and Supporting organs of the Board of
Pertamina, yaitu: Commissioners. Reports can also be lodged to Pertamina
WBS channel, as follows:
102 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 105
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Website: https://pertaminaclean.tipoffs.info Website: https://pertaminaclean.tipoffs.info
E-mail: pertaminaclean@tipoffs.com.sg E-mail: pertaminaclean@tipoffs.com.sg
Whatsapp: +62 811-1067-9111 WhatsApp: +62 811-1067-9111
Call Center: 135 ext. 5 atau 021-23507051 Call Center: 135 ext. 5 or 021-23507051
Faksimili: (021) 381 5912 Facsimile: (021) 381 5912
Surat: Tip-offs Anonymous Mail: Tip-offs Anonymous
Pertamina Clean P.O. Box 2600 JKP 10026 Pertamina Clean P.O. Box 2600 JKP 10026
Kebijakan tersebut juga didukung dengan upaya The policy is also supported by efforts to increase fraud
peningkatan awareness atas pencegahan fraud diantaranya prevention awareness, including by disseminating WBS to
melalui sosialisasi WBS kepada seluruh pekerja di all workers within Tugu Group, by installing WBS banners at
lingkungan Tugu Group melalui pemasangan banner WBS di locations in Wisma Tugu I, and by implementing Anti-Fraud
lokasi-lokasi di Wisma Tugu I serta pelaksanaan sosialisasi & WBS dissemination to all workers in Tugu Group.
Anti-Fraud & WBS kepada seluruh pekerja di Tugu Group.
Ruang lingkup pelaporan yang dapat ditindaklanjuti adalah: The reporting scopes that can be followed up are:
1. Korupsi, 1. Corruption,
2. Suap, 2. Bribery,
3. Gratifikasi, 3. Gratification,
4. Benturan kepentingan, 4. Conflict of interest,
5. Pencurian, 5. Theft,
6. Kecurangan, serta 6. Fraud, and
7. Pelanggaran hukum dan peraturan Perusahaan. 7. Violation of laws and Company regulations.
Laporan WBS akan diterima dan ditelaah lebih lanjut oleh The WBS report will be received and further reviewed
Tim Penanganan Pelaporan Pelanggaran Tugu Insurance. by Tugu Insurance Whistleblowing Handling Team. The
Tim Penanganan Pelaporan Pelanggaran akan melakukan Whistleblowing Handling Team will follow up the complaint
tindak lanjut laporan pengaduan sesuai dengan mekanisme report in accordance with the applicable mechanism.
yang berlaku.
Setiap Karyawan Tugu Insurance berkewajiban melaporkan All Tugu Insurance employees must report suspected
dugaan pelanggaran melalui kanal WBS yang tersedia violations through the available WBS channel. The
sebagai. Pelapor akan dilindungi kerahasiaan identitasnya, whistleblower’s identity will be protected, and every report
dan setiap pelaporan dimungkinkan untuk dilakukan can be made anonymously.
secara anonim.
Selain berfungsi sebagai pengaduan dugaan pelanggaran, In addition to functioning as a report of alleged violations,
WBS dapat memberikan masukan bagi manajemen untuk WBS can provide input for management to make internal
melakukan perbaikan internal. [GRI 2-26] improvements. [GRI 2-26]
Kepatuhan terhadap Hukum dan Peraturan Compliance with Laws and Regulations
Komitmen Tugu Insurance dalam mengelola bisnis Tugu Insurance’s commitment to managing the insurance
perasuransian yang baik, tercermin dalam kepatuhan business responsibly is reflected in its compliance
Perseroan terhadap hukum dan peraturan yang berlaku, with applicable laws and regulations, safeguarding the
mengawal pencapaian target kinerja perusahaan, menjaga achievement of corporate performance targets, maintaining
kepercayaan pemangku kepentingan dan memenuhi stakeholder trust, and meeting shareholder expectations.
harapan pemegang saham. Selama tahun 2024, tidak Throughout 2024, there were no violations or non-
terdapat pelanggaran dan ketidakpatuhan Perseroan compliance by the Company with applicable laws and
terhadap hukum dan peraturan perundangan yang berlaku. regulations. [GRI 2-27]
[GRI 2-27]
Dalam rangka memastikan terpenuhi kepatuhan terhadap To ensure compliance with applicable laws, Tugu Insurance
hukum yang berlaku, Tugu Insurance menerbitkan dan has issued and enforced various policies governing
memberlakukan berbagai kebijakan yang mengatur responsible business conduct, business practices that
tentang perilaku bisnis yang bertanggung jawab, perilaku respect human rights, and operational policies for business
bisnis yang menghormati hak asasi manusia dan relationships with stakeholders. [GRI 2-23]
kebijakan operasional hubungan bisnis dengan pemangku
kepentingan. [GRI 2-23]
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 103
Page 106
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Kebijakan yang telah ditetapkan berlaku bagi seluruh The established policies apply to all members of Tugu
insan Tugu Insurance baik Dewan Komisaris, Direksi, Insurance, including the Board of Commissioners, Board
organ pendukung tata kelola maupun karyawan. Perseroan of Directors, governance support organs, and employees.
menunjuk penanggung jawab penerapan kebijakan di The Company appoints responsible parties at various
berbagai level struktur perusahaan sesuai dengan tingkat levels of the Company structure in accordance with
kewenangan yang dimiliki. Proses pelaksanaan komitmen their respective levels of authority. The implementation
dimulai dari integrasi komitmen ke dalam strategi, process begins with the integration of commitments into
kebijakan operasional, standar dan prosedur operasional. the Company’s strategy, operational policies, standards,
Selanjutnya, Perseroan melakukan sosialisasi dan and procedures. Subsequently, Tugu Insurance conducts
pelatihan komitmen kebijakan kepada seluruh karyawan. awareness campaigns and training on policy commitments
Secara berkala, Perseroan melakukan evaluasi atas for all employees. The Company also conducts regular
penerapan komitmen kebijakan untuk perbaikan kedepan, evaluations of policy implementation to drive continuous
termasuk dampak yang ditimbulkan. [GRI 2-24, 2-25] improvements, including assessing the impacts of these
policies. [GRI 2-24, 2-25]
Selanjutnya itu, Perseroan menyediakan saluran/ Furthermore, the Company provides channels/mechanisms
mekanisme pengaduan/saran masukan dari pemangku for complaints and feedback from stakeholders to gather
kepentingan untuk mendapatkan hasil masukan dan input and suggestions for improving business management.
saran perbaikan bagi peningkatan pengelolaan usaha dan These include suggestion boxes, a whistleblowing system,
yang lebih baik, seperti: kotak saran, media pengaduan and other communication channels. [GRI 2-26]
pelanggaran (whistleblowing system) dan saluran lainnya.
[GRI 2-26]
Hubungan dengan Pemangku Kepentingan [OJK E.4] [GRI 2-29]
Relations with Stakeholders [OJK E.4] [GRI 2-29]
Tugu Insurance melakukan identifikasi pemangku Tugu Insurance identifies stakeholder to establish an
kepentingan. Kegiatan identifikasi tersebut membantu effective communication approach and respond to
Perseroan menetapkan pendekatan komunikasi yang tepat stakeholder expectations based on relevant topics. This
dan merespon harapan pemangku kepentingan sesuai process is deemed to foster a harmonious reciprocal
dengan topik yang relevan. Hal ini diyakini berdampak relationship between the Company’s interests and
terhadap hubungan timbal balik yang harmonis antara stakeholder needs. Through this analysis, the Company
kepentingan Perseroan dan kebutuhan pemangku has identified and categorized key stakeholders into the
kepentingan. Dari proses analisis tersebut, Perseroan following main groups: 1) Customers; 2) Shareholders; 3)
telah mengidentifikasi berbagai pemangku kepentingan Employees; Government and Regulators; and 5) Community
dan mengelompokkannya ke dalam kelompok pemangku and Environment.
kepentingan utama, yakni: 1) Pelanggan; 2) Pemegang
Saham; 3) Pekerja; 4) Pemerintah dan Regulator; dan 5)
Masyarakat dan Lingkungan.
Tabel berikut ini menjelaskan hubungan dan interaksi The following table describes the relationship and
dengan para pemangku kepentingan: interactions with stakeholders:
104 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 107
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Metode
Pemangku Pelibatan/ Frekuensi
Basis Penetapan
Komunikasi Topik
Kepentingan Basis of Pertemuan
Involvement/ Topics
Stakeholders Determination Meeting Frequency
Communication
Method
Pelanggan • Ketergantungan • Website dan • Sesuai kebutuhan • Kemudahaan akses informasi & Jaringan
Customers • Pengaruh Customer Service • 1 (satu) tahun • Kecepatan dan kemudahan proses klaim
• Dependency • Survei Kepuasan sekali • Kejelasan benefit produk
• Influence Pelanggan • According to needs • Ketersediaan fitur & platform aplikasi/layanan
• Website and • Once every one • Kecepatan dan kemudahan pembelian
Customer years asuransi
• Service • Ketersediaan fasilitas layanan penunjang
Customer • Ease of access to information & networks
Satisfaction • Speed and ease of claim process
Survey • Clarity of product benefits
• Availability of app/service features & platform
• Speed and ease of purchasing insurance
• Availability of supporting service facilities
Pemegang Saham • Perwakilan • Pelaporan • Setiap kuartal, • Kinerja perusahaan
Shareholders • Pengaruh Kinerja Semesteran, • Ketersediaan informasi yang up to date
• Representative • RUPS Tahunan • Keterbukaan informasi
• Influence • Performance • 1 (satu) kali • Company performance
Reporting setahun • Availability of up-to-date information
• GMS • Quarterly, • Information disclosure
Semesterly, Annually
• 1 (one) time a year
Pekerja • Ketergantungan • Media internal Sesuai kebutuhan • Penilaian Kinerja
Employee • Pengaruh • Kotak aspirasi As needed • Penghargaan dan apresiasi atas kinerja
• Dependency pekerja • Partisipasi pekerja terhadap kebijakan/
• Influence • Internal media layanan
• Worker’s • Pengembangan kompetensi
aspiration box • Kesetaraan gender
• Kesehatan, keselamatan kerja
• Performance assessment
• Awads and appreciation for performance
• Employee participation in policies/services
• Competency development
• Gender equality
• Occupational health and safety
Pemerintah dan • Perwakilan • Pelaporan Sesuai kebutuhan Kepatuhan peraturan
Regulator • Pengaruh Kinerja As needed Regulatory compliance
Government and • Representative • Kepatuhan
Regulator • Influence terhadap
peraturan
perundangan
• Performance
reporting
• Compliance
with laws and
regulations
Masyarakat dan • Ketergantungan Program Bakti Tugu Sesuai kebutuhan • Bakti Tugu Pilar Lingkungan Hidup
Lingkungan • Pengaruh Bakti Tugu Program As needed • Bakti Tugu Pilar Pendidikan dan Literasi
Community and • Dependency Keuangan
Environment • Influece • Bakti Tugu Pilar Kesehatan dan Keselamatan
• Bakti Tugu Pilar Pemberdayaan Masyarakat
• Bakti Tugu Environmental Pillar
• Bakti Tugu Education and Financial Literacy
Pillar
• Bakti Tugu Health and Safety Pillar
• Bakti Tugu Community Empowerment Pillar
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 105
Page 108
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Permasalahan dan Pengaruhnya Terhadap Penerapan Keuangan Berkelanjutan [OJK E. 5]
Issues and Their Effects on Sustainable Finance Implementation [OJK E.5]
Tugu Insurance terus berupaya memberikan kontribusi Tugu Insurance strives to contribute to sustainability
terhadap program keberlanjutan (ESG) dan pencapaian programs (ESG) and the achievement of Sustainable
Tujuan Pembangunan Berkelanjutan (SDGs). Hal ini juga Development Goals (SDGs) as part of its responsibility
sebagai tanggung jawab Perseroan terhadap keberlanjutan for a sustainable future. However, its implementation
masa depan. Namun demikian, dalam pelaksanaannya is not without challenges and obstacles. Based on the
tidak dapat dilepaskan dari kendala dan hambatan. identification results, several issues in carrying out
Berdasarkan hasil identifikasi, terdapat permasalahan sustainable activities are among others:
yang dihadapi dalam penerapan kegiatan berkelanjutan
antara lain:
1. Penerapan kegiatan keuangan berkelanjutan guna 1. Implementation of sustainable finance activities to
pemahaman karyawan; enhance employee understanding;
2. Pengimplementasian kegiatan keuangan berkelanjutan 2. Implementation of sustainable finance activities
untuk karyawan; for employees;
3. Tingkat/indeks literasi keuangan dan 3. National financial literacy and inclusion index levels.
inklusi nasional.
Terhadap permasalahan-permasalahan tersebut, Perseroan To address these issues, the Company has made the
telah mengupayakan penyelesaian terbaik sehingga best possible efforts to ensure that they do not impact or
tidak berdampak atau berpengaruh terhadap penerapan interfere with the implementation of sustainable finance
kegiatan keuangan berkelanjutan. Upaya-upaya yang telah activities. The efforts formulated and undertaken by the
dirumuskan dan dilakukan perseroan antara lain: Company include:
1. Target utama perseroan ialah proses internalisasi 1. The Company’s main target is the internalization
konsep dan praktik Keuangan berkelanjutan melalui of sustainable finance concepts and practices by
penyebarluasan pengetahuan dan kesadaran akan disseminating knowledge and raising awareness of
pentingnya penerapan Keuangan Berkelanjutan kepada the importance of sustainable finance implementation
seluruh karyawan perusahaan; among all employees;
2. Aktif berpartisipas dan mengikutsertakan 2. Actively participating in and involving employees in
karyawan dalam berbagai pelatihan terkait various training programs related to sustainable finance;
Keuangan Berkelanjutan;
3. Aktif berpartisipasi dalam memberikan literasi dan 3. Actively participating in providing financial literacy and
inklusi keuangan kepada masyarakat umum. inclusion to the public.
Kegiatan Membangun Budaya Keberlanjutan [OJK F.1]
Activities to Build Sustainable Culture [OJK F.1]
Menjaga Etika dan Integritas [ESG G-7] Maintaining Ethics and Integrity [ESG G-7]
Setiap Insan Tugu Insurance wajib untuk mematuhi stándar Every member of Tugu Insurance is required to comply
etika dan budaya integritas yang telah ditetapkan oleh with the ethical standards and integrity culture established
Perseroan. Kode etik Tugu Insurance tertuang dalam by the Company. Tugu Insurance’s Code of Conduct is
suatu pedoman berdasarkan Surat Keputusan Direksi outlined in a guideline based on the Board of Directors’
Tugu Insurance No. 03/SKD/CSG- TPI/I/2009 tanggal 15 Decision Letter (SKD) No. 03/SKD/CSG-TPI/I/2009 dated
Januari 2009 dan telah dimutakhirkan dengan Pedoman 15 January 2009, which was later updated with Guideline
No. A-003/9100/2017 Revisi Ke-1 Tanggal 5 Desember No. A-003/9100/2017, 1st Revision, dated 5 December
2017 yang diberlakukan dengan SKD No. 007/SKD/ 2017, and enacted through SKD No. 007/SKD/CSG/TPI/
CSG/TPI/II/2018 Tanggal 7 Februari 2018 tentang II/2018 dated 7 February 2018, on the Issuance of Code
Penerbitan Pedoman Sistematika Etika Usaha dan Tata of Conduct (CoC) of Tugu Insurance. It was further revised
Perilaku (Code of Conducts atau CoC) Tugu Insurance. through Guideline No. A-003/6500/2021, 2nd Revision,
Kemudian diperbaharui kembali melalui Pedoman No. enacted under SKD No. 67/SKD/06/ERL-ATPI/IX/2021 on
A-003/6500/2021 Revisi Ke-2 yang diberlakukan the Amendment of CoC Guidelines.
dengan SKD No. 67/SKD/06/ERL-ATPI/IX/2021 tentang
Perubahan Pedoman CoC.
Pedoman ini menjadi panduan bagi setiap Insan Tugu This guideline serves as a reference for every member
Insurance dalam menjalankan tugas dan tanggung of Tugu Insurance in carrying out the duties and
jawabnya guna mencapai visi, misi dan tujuan Perseroan. responsibilities to achieve the Company’s vision, mission,
Dalam pelaksanaan perwujudan komitmen penerapan and objectives. As part of the commitment to implementing
106 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 109
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Pedoman Perilaku ini, Insan Tugu Insurance diwajibkan this Code of Conduct, all members of Tugu Insurance
untuk menandatangani pernyataan kepatuhan dan are required to sign a statement of compliance and
integritas terhadap CoC. Perseroan telah menjelaskan integrity with the CoC. The Company has provided an
perihal etika dan integritas secara mendalam di dalam in-depth explanation of ethics and integrity in the 2024
Laporan Tahunan 2024. Annual Report.
Perseroan juga melakukan penegakan dan sanksi The Company also enforces and imposes sanctions for
terhadap pelanggaran kode etik sebagai upaya mendukung violations of the code of conduct as part of its efforts
efektivitas penerapan tata kelola Perseroan dengan to support the effective implementation of corporate
sarana pelaporan dalam Whistleblowing System (WBS). governance through a reporting mechanism within the
Hal ini bertujuan untuk melakukan deteksi dini di internal Whistleblowing System (WBS). This aims to enable early
perusahaan. Mekanisme pelaporan pelanggaran kode etik detection within the Company. The mechanism for reporting
sebagaimana diatur dalam WBS. violations of the code of conduct is regulated under
the WBS.
Membangun Budaya Keberlanjutan Building A Sustainability Culture
Tugu Insurance terus melakukan kegiatan internalisasi Tugu Insurance consistently instills corporate culture
budaya perusahaan untuk membentuk karakter Insan Tugu to create responsible and integrity-driven individuals
Insurance yang bertanggung jawab dan berintegritas dalam in managing the Company based on GCG principles
mengelola perusahaan sesuai prinsip-prinsip GCG dan and ethical standards in order to fulfill the rights of
beretika, sehingga mampu memenuhi hak-hak pemangku stakeholders and shareholders. Tugu Insurance develops
kepentingan dan pemegang saham. Tugu Insurance and reinforces the code of conduct aligned with its core
menetapkan dan mensosialisasikan kode etik sesuai values to promote a sustainable corporate culture.
dengan nilai-nilai Perseroan dalam rangka membangun
budaya keberlanjutan.
Perseroan telah melakukan beberapa program dalam The Company has implemented several programs to
rangka membangun budaya Perseroan sesuai dengan kode develop its corporate culture in accordance with the code
etik. Berikut beberapa program yang dilaksanakan selama of conduct. The following were some of the programs
tahun 2024, yaitu: carried out in 2024:
Nama Seminar Tanggal Pelaksanaan
No
Name of Seminar Date
1. Sosialisasi Compliance Group Management Information System 14 Juni 2024
Compliance Group Management Information System socialization 14 June 2024
2. Sosialisasi Anti-Fraud dan Whistleblowing System 16 Juli 2024
Socialization of Anti-Fraud and Whistleblowing System 16 July 2024
3. Pelatihan Pelindungan Data Pribadi 10-11 Desember 2024
Personal Data Protection Training 10-11 December 2024
Konflik Kepentingan [ESG G-9] Conflict of Interest [ESG G-9]
Dengan Pedoman Etika Usaha dan Tata Perilaku, Tugu With the Business Ethics and Code of Conduct Guidelines,
Insurance memberikan panduan bagi insan Tugu Insurance Tugu Insurance provides guidance for Tugu Insurance
termasuk Dewan Komisaris dan Direksi untuk menghindari personnel, including the Board of Commissioners and
potensi konflik kepentingan. Kode Etik Tugu Insurance Board of Directors to avoid potential conflicts of interest.
tertuang dalam Pedoman Sistematika Etika Usaha dan The Company’s Code of Conduct is outlined in the Code of
Tata Perilaku yang disahkan berdasarkan Surat Keputusan Conduct, which was ratified under the Board of Directors’
Direksi (SKD) PT Tugu Pratama Indonesia No. 03/SKD/ Decision Letter (SKD) of PT Tugu Pratama Indonesia No.
CSG-TPI/I/2009 tanggal 15 Januari 2009, dan telah 03/SKD/CSG-TPI/I/2009 on 15 January 2009. It was later
dimutakhirkan pada Revisi Ke-2 Tanggal 25 Agustus 2021 updated in the Second Revision on 25 August 2021, and
yang diberlakukan dengan SKD No. 67/SKD/06/ERL-ATPI/ enacted through SKD No. 67/SKD/06/ERL-ATPI/IX/2021
IX/20121 Tanggal 28 September 2021 tentang Perubahan dated 28 September 2021, on amendments to the Code of
Pedoman Sistematika Etika Usaha dan Tata Perilaku (Code Conduct (CoC) of PT Asuransi Tugu Pratama Indonesia Tbk.
of Conduct atau CoC) PT Asuransi Tugu Pratama Indonesia
Tbk.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 107
Page 110
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Pedoman Sistematika Etika Usaha dan Tata Perilaku The Code of Conduct regulates conflicts of interest and
telah mengatur mengenai konflik kepentingan dan abuse of position. Additionally, the Company has issued
penyalahgunaan jabatan. Selain itu, Perseroan juga telah the Conflict of Interest (COI) Guidelines, ratified under
menerbitkan Pedoman Konflik Kepentingan/Conflict of the Board of Directors’ Decision Letter (SKD) of PT Tugu
Interest (COI) yang disahkan berdasarkan Surat Keputusan Pratama Indonesia No. 010/SKD/CSG/TPI/II/2018 dated
Direksi (SKD) PT Tugu Pratama Indonesia No. 010/SKD/ 7 February 2018. These guidelines were later updated in
CSG/TPI/II/2018 tanggal 7 Februari 2018 dan telah the Second Revision on 28 December 2021, and enacted
dimutakhirkan pada Revisi Ke-2 tanggal 28 Desember through SKD No. 71/SKD/06/ERL-ATPI/XII/2021 on
2021 yang diberlakukan dengan SKD No. 71/SKD/06/ Amendments to the Conflict of Interest (COI) Guidelines
ERL-ATPI/XII/2021 tentang Perubahan Pedoman Konflik of PT Asuransi Tugu Pratama Indonesia Tbk and lastly, the
Kepentingan/Conflict of Interest (COI) PT Asuransi Tugu Company issued the Guidelines for Preventing Conflict of
Pratama Indonesia Tbk dan terakhir Perseroan menerbitkan Interest Violations No. A-001/TCE0030000/2024 Revision
Pedoman Pencegahan Pelanggaran konflik Kepentingan 0 on 23 September 2024.
No. A-001/TCE0030000/2024 Revisi 0 pada 23
September 2024.
Sesuai pedoman, Perseroan telah menjelaskan pembagian In accordance with the guidelines, the Company has
tegas antara kepentingan pribadi dan kepentingan clearly defined the distinction between personal and
korporasi serta menghindari situasi apa pun yang dapat corporate interests and efforts to avoid any situation
mengakibatkan atau dianggap sebagai konflik kepentingan that may result in or be perceived as a conflict of interest
antara kepentingan korporasi dan pribadi. Hal ini berlaku between corporate and personal interests. This applies
untuk semua anggota Direksi dan Dewan Komisaris. to all members of the Board of Directors and Board of
Hubungan afiliasi antara anggota Direksi, Dewan Komisaris, Commissioners. The affiliation between members of
dan pemegang saham pengendali dijelaskan dalam the Board of Directors, Board of Commissioners, and
Laporan Tahunan. [GRI 2-15] Controlling Shareholders is disclosed in the Annual Report.
[GRI 2-15]
Upaya untuk mencegah dan menghindari adanya konflik The Company’s efforts to prevent and avoid conflicts
kepentingan yang dilakukan oleh Perseroan antara lain; of interest include raising awareness through various
memberikan beragam program awareness, menyediakan programs, providing consultation and communication
ruang konsultasi dan komunikasi, serta mendorong dan channels, and facilitating mechanisms for reporting
menyediakan sarana komunikasi (mekanisme pengaduan) potential conflicts of interest. The Company offers multiple
terkait permasalahan yang dianggap berpotensi terjadi communication channels, including the Whistleblowing
konflik kepentingan. Saluran komunikasi yang disediakan System (WBS), customer complaint channels, internal
Perseroan berupa Saluran Pengaduan Pelanggaran (WBS), communication platforms such as coordination meetings,
saluran keluhan pelanggan, saluran komunikasi internal official channels like email, and others. [GRI 2-16]
seperti rapat-rapat koordinasi, saluran resmi lainnya seperti
email dan lain-lain. [GRI 2-16]
108 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 111
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 109
Page 112
110 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 113
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 111
Page 114
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Kinerja Keberlanjutan - Aspek Ekonomi
Sustainability Performance - Economic Aspect
Tugu Insurance memiliki kinerja ekonomi yang baik dan Tugu Insurance has strong economic performance and is
berkomitmen untuk mengoptimalkan nilai perusahaan committed to optimizing the Company’s value sustainably.
secara berkelanjutan.
The Company strives to support the country’s economic
Perusahaan berupaya untuk mendukung pertumbuhan growth and sustainable development goals. As part of
ekonomi negara dan tujuan pembangunan berkelanjutan. the insurance industry, Tugu Insurance contributes to
Sebagai bagian dari industri asuransi, Tugu Insurance the economy by collecting large long-term funds that
membantu perekonomian negara dengan menghimpun will be used to develop and drive economic activities.
dana jangka panjang yang besar, yang kemudian digunakan Through taxes paid to the government and dividends
untuk pembangunan dan penggerak ekonomi. Melalui paid to shareholders, Tugu Insurance plays a crucial
pajak yang dibayarkan kepada pemerintah dan dividen yang role in supporting infrastructure development in various
dibayarkan kepada para pemegang saham, Tugu Insurance regions, promoting business growth, and enhancing the
memainkan peran penting dalam membantu pembangunan country’s economy.
infrastruktur di berbagai wilayah, mendorong pertumbuhan
bisnis, dan meningkatkan ekonomi negara.
Untuk itu, Perseroan memastikan pertumbuhan kinerja Therefore, the Company ensures measurable performance
yang terukur, dengan menetapkan target dan strategi growth by setting targets and achievement strategies. The
pencapaian. Rencana Kerja dan Anggaran Perusahaan 2024 Company Work Plan and Budget (RKAP) and Key
(RKAP) 2024 dan Key Performance Indicators (KPI) Performance Indicators (KPI) refer to the Company’s Long-
mengacu pada Rencana Jangka Panjang Perusahaan Term Plan (RJPP), vision, mission, and objectives. In order
(RJPP), visi, misi, dan tujuan perusahaan. Untuk to ensure business sustainability, the Company involves
memastikan keberlanjutan bisnis, perusahaan melibatkan all work units and employees. The Company focuses on
seluruh unit kerja dan karyawannya. Perseroan berfokus strategic initiative programs to enhance productivity and
pada program inisiatif strategis untuk meningkatkan performance recovery. [GRI 3-3]
produktivitas dan pemulihan kinerja. [GRI 3-3]
Perseroan juga memantau dan menilai realisasi The Company also monitors and evaluates the realization
pencapaian target dan pelaksanaan strategi secara of target achievements and the implementation of
berkala, baik bulanan, triwulanan, semesteran, dan strategies periodically, including monthly, quarterly, semi-
tahunan. Penilaian ini dilakukan berjenjang dari unit kerja annually, and annually. This assessment is conducted in
hingga level direktorat, dan hasilnya digunakan untuk stages, from work unit to directorate level, and the results
menilai kinerja Perseroan dan memperbaiki strategi di are used to evaluate the Company’s performance and
masa mendatang. improve strategies for the future.
Pentingnya kinerja ekonomi dan keuangan bagi The importance of economic and financial performance
keberlanjutan usaha Tugu Insurance, maka topik tersebut for Tugu Insurance’s business sustainability is reflected in
diungkapkan pada periode pelaporan 2024 mencakup the 2024 reporting period, covering topics such as direct
topik ekonomi langsung yang dihasilkan dan didistribusikan economic value generated and distributed (GRI 201-1),
(GRI 201-1), implikasi finansial dan risiko perubahan iklim financial implications and climate change risks (GRI 201-2),
(GRI 201-2), kewajiban imbalan pasti dan program pensiun defined benefit obligations and other pension programs
lainnya (GRI 201-3) dan bantuan finansial yang diterima (GRI 201-3), and financial assistance received from the
dari pemerintah (GRI 201-4). government (GRI 201-4).
112 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 115
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Kinerja laporan laba rugi dan Penghasilan Komprehensif lain Konsolidasian (dalam jutaan Rupiah)
Performance of consolidated statement of profit or loss and other comprehensive income (in millions of Rupiah)
Keterangan
2024 2023 2022
Description
Pendapatan Asuransi dan Reasuransi
Insurance and Reinsurance Revenues
Pendapatan Premi
3.763.679 3.079.932 2.844.925
Premium Income
Premi Bruto
8.536.878 7.709.524 6.705.580
Gross Premium
Premi Reasuransi dan Retrosesi
(4.754.995) (4.368.028) (3.518.923)
Reinsurance and Retrocession Premium
Perubahan Premi yang Belum Merupakan Pendapatan dan Liabilitas
Manfaat Polis Masa Depan
(314.400) (711.845) (74.293)
Changes in Unearned Premium Reserves and Liabilities for Future Policy
Benefits
Perubahan Aset Reasuransi atas Premi yang Belum Merupakan Pendapatan
dan Liabilitas Manfaat Polis Masa Depan
296.196 450.281 (267.439)
Changes in Reinsurance Assets of Unearned Premium Reserves and
Liabilities for Future Policy Benefits
Pendapatan (Beban) Komisi Neto
(793.420) (470.368) (502.133)
Commission (Expense) Income Net
Total Pendapatan Underwriting
2.970.259 2.609.564 2.342.792
Total Underwriting Revenues
Pendapatan Investasi
443.287 579.830 352.391
Investment Income
Pendapatan Usaha Lainnya
519.850 402.091 398.710
Other Operating Revenues
Total Pendapatan
3.933.396 3.591.485 3.093.893
Total Revenues
Total Beban Klaim Neto
(2.047.670) (1.911.033) (1.672.348)
Total Net Claim Expenses
Beban Usaha
(760.121) (812.221) (771.136)
Operating Expenses
Beban Usaha Lainnya
(309.633) (298.264) (258.769)
Other Operating Expenses
Pendapatan (Beban) Lain-lain Neto
106.043 1.054.601 108.510
Other Income (Expenses), Net
Total Beban
(3.011.381) (1.966.917) (2.593.744)
Total Expenses
Laba Sebelum Beban Pajak Final dan Pajak Penghasilan
933.381 1.632.331 517.197
Income Before Final Tax and Income Tax Expenses
(Beban) Manfaat Pajak Penghasilan
(113.589) (278.069) (91.596)
Income Tax (Expense) Benefit
Laba Tahun Berjalan
750.513 1.302.101 395.105
Income for the Year
Total Penghasilan Komprehensif Lain Setelah Pajak
(83.564) 50.021 131.354
Other Comprehensive Income After Tax
Total Penghasilan Komprehensif Tahun Berjalan
666.949 1.352.122 526.459
Total Comprehensive Income for the Year
Laba Tahun Berjalan yang dapat Diatribusikan kepada:
Income for the Year Attributable to:
Pemilik Entitas Induk
700.854 1.322.394 347.151
Equity Holders of the Parent Entity
Kepentingan Non-Pengendali
49.658 (20.293) 47.955
Non-Controlling Interest
Total Penghasilan Komprehensif Tahun Berjalan yang dapat Diatribusikan kepada:
Total Comprehensive Income for the Year Attributable to:
Pemilik Entitas Induk
627.455 1.372.505 482.800
Equity Holder of the Parent Entity
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 113
Page 116
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Kinerja laporan laba rugi dan Penghasilan Komprehensif lain Konsolidasian (dalam jutaan Rupiah)
Performance of consolidated statement of profit or loss and other comprehensive income (in millions of Rupiah)
Keterangan
2024 2023 2022
Description
Kepentingan Non-Pengendali
39.495 (20.382) 43.659
Non-Controlling Interest
Laba Per Saham yang dapat Diatribusikan kepada Pemilik Entitas Induk
(Nilai Penuh) Dasar dan Dilusian
197 372 195
Earnings Per Share Attributable to Equity Holders of the Parent Entity
(Full Amount) Basic and Diluted
Perbandingan Target dan Kinerja Produksi, Pendapatan dan Laba Rugi [OJK F.2]
Comparison of Targets and Performance of Production, Revenue, and Profit and Loss
[OJK F.2]
Realisasi premi bruto tahun 2024 mencapai Rp8,5 triliun, The realization of gross premium for 2024 reached IDR8.5
atau 110,8% dari target awal. Pencapaian ini didukung oleh trillion, or 110.8% of the initial target. This achievement
peningkatan pendapatan premi bruto dari berbagai industri, was supported by an increase in gross premium income
termasuk pengangkutan, asuransi kebakaran, rekayasa, from various industries, including marine cargo, fire
offshore, penerbangan, dan rangka kapal, berkontribusi insurance, engineering, offshore, aviation, and marine hull,
pada pencapaian ini. all of which contributed to this result.
Sementara pendapatan pada tahun 2024 mencapai Meanwhile, revenue in 2024 reached IDR3.7 trillion, or
Rp3,7 triliun, atau sebesar 103,4% dari target pendapatan 103.4% of the revenue target set at beginning of the year.
awal tahun. Laba tahun berjalan pada tahun 2024 The income for the year in 2024 reached IDR751 billion,
mencapai 751 miliar, atau sebesar 70% dari target laba or 70% of the income for the year target for the previous
tahun berjalan pada tahun sebelumnya. Pencapaian ini year. This achievement was influenced by an increase in
dipengaruhi oleh peningkatan pendapatan underwriting, underwriting income, investments, and other revenues.
investasi, dan pendapatan lainnya.
Tabel Perbandingan Target dan Realisasi Investasi Pada Proyek Berwawasan Lingkungan (dalam Jutaan Rupiah)
Table of Comparison of Target and Realization of Investment in Environmentally Friendly Projects (in Millions of Rupiah)
2024 2023 2022
Uraian
Description Realisasi Realisasi Realisasi
Target Target Target
Realization Realization Realization
Produksi - Premi Bruto
7.707.639 8.536.878 7.005.256 7.709.524 6.476.477 6.705.580
Production - Gross Premiums
Pendapatan
3.852.585 3.933.396 3.444.828 3.591.485 3.111.023 3.093.893
Income
Laba Tahun Berjalan
1.068.885 750.513 1.130.173 1.302.101 295.960 395.105
Income for the Year
Perbandingan Target dan atau Proyek yang Sejalan dengan Keuangan Berkelanjutan
pada Instrumen Keuangan [OJK F.3]
Comparison of Targets and/or Projects in Line with Sustainable Finance in Financial
Instruments [OJK F.3]
Tugu Insurance melakukan peninjauan secara berkala Tugu Insurance conducts periodic reviews of various
terhadap berbagai kebijakan internal dalam memberikan internal policies in providing insurance, by considering
asuransi, dengan mempertimbangkan aspek Lingkungan, the Environmental, Social, and Governance (ESG) aspects
Sosial, dan Tata Kelola (LST) sesuai dengan peraturan in accordance with applicable laws and regulations. The
perundang-undangan yang berlaku. Perseroan menyediakan Company offers insurance for various businesses related
asuransi untuk berbagai bisnis yang berhubungan dengan to the environment and society, as well as products that
lingkungan dan sosial, serta produk yang sesuai dengan align with the Sustainable Business Activity Category
Kategori Kegiatan Usaha Berkelanjutan (KKUB) Asuransi (KKUB). The Company’s electric vehicle insurance product
mobil listrik Perusahaan lebih ramah lingkungan sehingga is more environmentally friendly, thus supporting the
mendukung penerapan keuangan berkelanjutan. implementation of sustainable finance.
114 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 117
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Pada tahun 2024, kinerja premi asuransi mobil listrik In 2024, the performance of electric vehicle insurance
sebesar Rp6,76 miliar atau mencapai dari target yang premiums reached IDR6.76 billion or of the targeted goal.
direncanakan. Tugu Insurance berkomitmen untuk Tugu Insurance is committed to developing products with
mengembangkan produk yang memiliki manfaat sosial, social benefits, including a digital-based driving application
termasuk aplikasi berkendara berbasis digital yang menilai that assesses safe driving behavior for each driver. This
perilaku berkendara yang aman bagi setiap pengemudi. application product motivates drivers to be more cautious,
Produk aplikasi ini memotivasi pengemudi untuk lebih helping Tugu Insurance to maintain the safety and health of
berhati-hati, sehingga membantu Tugu Insurance menjaga Indonesia’s human resources. The launch of this digital-
keselamatan dan kesehatan sumber daya manusia based application was also an innovation that answered
Indonesia. Peluncuran aplikasi berbasis digital ini juga the growing need of the community, which was increasingly
merupakan inovasi yang menjawab kebutuhan masyarakat shifting to digital solutions.
yang saat ini mulai beralih ke digital.
Tabel Perbandingan Target dan Realisasi Investasi Pada Proyek Berwawasan Lingkungan (dalam Jutaan Rupiah)
Table of Comparison of Target and Realization of Investment in Environmentally Friendly Projects (in Millions of Rupiah)
2024 2023 2022
Uraian
Description Realisasi Realisasi Realisasi
Realization Realization Realization
Asuransi Mobil Listrik
6.765 2.500 804
Electric Vehicle Insurance
Nilai Ekonomi Langsung Dihasilkan dan Didistribusikan [GRI 201-1]
Direct Economic Value Generated and Distributed [GRI 201-1]
Perseroan memperoleh nilai ekonomi langsung dari The Company generates direct economic value from its
pendapatan usaha. Dengan menghasilkan nilai ekonomi operating revenue. By generating direct economic value,
langsung, Tugu Insurance dapat menghasilkan nilai Tugu Insurance can create economic value to be distributed
ekonomi untuk didistribusikan kepada para pemangku to stakeholders as the Company’s contribution to enhance
kepentingan. Nilai ekonomi ini didistribusikan sebagai economic growth and the welfare of stakeholders, such
bentuk kontribusi Perseroan untuk meningkatkan as payments to insureds, reinsurers, suppliers, and
pertumbuhan ekonomi dan kesejahteraan para pemangku employees. Furthermore, the economic value retained is
kepentingan, seperti pembayaran kepada tertanggung, the difference between the economic value generated less
reasuradur, pemasok, dan karyawan. Selanjutnya, the economic value distributed.
nilai ekonomi yang ditahan adalah selisih antara
nilai ekonomi yang dihasilkan dikurangi nilai ekonomi
yang didistribusikan.
Nilai ekonomi langsung yang dihasilkan pada tahun 2024 The direct economic value generated in 2024 reached
mencapai Rp3,93 triliun, naik 9,5% dibandingkan nilai IDR3.93 trillion, an increase of 9.5% compared to IDR3.59
ekonomi langsung tahun 2023 sebesar Rp3,59 triliun. trillion in 2023. Meanwhile, the economic value distributed
Sedangkan nilai ekonomi yang didistribusikan pada tahun in 2024 reached IDR9.9 trillion, an increase of 26.7%
2024 mencapai Rp9,9 triliun, naik 26,7% dibandingkan compared to IDR7.85 trillion in 2023.
nilai ekonomi yang didistribusikan pada tahun 2023
sebesar Rp7,85 triliun.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 115
Page 118
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Tabel Nilai ekonomi langsung dihasilkan dan didistribusikan (dalam Jutaan Rupiah)
Table of Direct Economic Value Generated and Distributed (in Millions of Rupiah)
Uraian
2024 2023 2022
Description
Pendapatan
3.933.396 3.591.485 3.093.893
Revenue
Nilai Ekonomi yang Dihasilkan
3.933.396 3.591.485 3.093.893
Economic Value Generated
Pembayaran kepada tertanggung, reasuradur, pemasok dan karyawan
(9.087.432) (7.303.260) (7.084.256)
Payments to insureds, reinsurers, suppliers, and employees
Pembayaran dividen kepada Pemegang Saham
(438.258) (244.362) (131.890)
Dividend payments to Shareholders
Pembayaran pajak kepada Pemerintah
(204.329) (180.268) (56.397)
Tax Payments to the Government
Pembayaran Bunga
(21.835) (5.279) (8.933)
Interest Payment
Pembayaran pinjaman diterima
(148,655) (71.486) (24.791)
Payment of Borrowings
Pembayaran utang sewa pembiayaan konsumen dan sewa pembiayaan
(19.224) (23.102) (90.339)
Payment of Consumer Finance and Lease Payable
Pembayaran liabilitas sewa
(6.080) (3.440) (4.808)
Payment of Lease Liabilities
Investasi bagi Masyarakat
(2.082) (3.653) (771)
Investment for Society
Nilai Ekonomi yang Didistribusikan
(9.777.307) (7.834.850) (7.402.185)
Economic Value Distributed
Nilai Ekonomi Ditahan
(5.843.911) (4.243.339) (4.308.292)
Economic Value Retained
Risiko Perubahan Iklim [GRI 201-2]
Climate Change Risk [GRI 201-2]
Risiko keuangan terkait iklim adalah risiko yang timbul Climate-related financial risk is the risk arising from
dari perubahan iklim dan dapat berdampak pada sistem climate change, which can impact the financial system
keuangan dan stabilitas ekonomi. Risiko ini termasuk and economic stability. This risk falls under the category
dalam kategori emerging risk yang terdiri dari risiko of emerging risks, including physical risks and transition
fisik dan risiko transisi. Efek ini terutama terjadi pada risks. The effects primarily affect consumers who lose
konsumen yang kehilangan usaha atau mengalami their businesses or face economic difficulties due to the
kesulitan ekonomi sebagai akibat dari dampak perubahan impacts of climate change, making it difficult for them
iklim, yang membuat mereka tidak dapat membayar to pay premiums. In addition, there is also the failure
premi. Selain itu, kegagalan perusahaan reasuransi dalam of reinsurance companies to meet their obligations to
memenuhi kewajiban kepada pemegang polis, serta policyholders, as well as the failure of other parties to fulfill
kegagalan pihak lain dalam memenuhi kewajiban kepada their obligations to the Company.
Perseroan.
Oleh karena itu, sangat penting bagi Tugu Insurance untuk Therefore, it is important for Tugu Insurance to assess the
dapat mengevaluasi risiko perubahan iklim yang dihadapi climate change risks faced by consumers to consider the
oleh konsumen untuk mempertimbangkan dampak risiko potential impacts on the Company, especially regarding the
yang akan dihadapi oleh perusahaan pada pinjaman yang loans provided to achieve sustainable finance.
diberikan untuk mencapai keuangan berkelanjutan.
Tugu Insurance mengimplementasikan strategi untuk Tugu Insurance implements strategies to promote
mendorong asuransi berkelanjutan dan melakukan sustainable insurance and strengthen ESG governance. In
penguatan tata kelola LST. Untuk mencapai tujuan ini, order to achieve this goal, Tugu Insurance appoints officials
Tugu Insurance menunjuk pejabat dan unit kerja Corporate and Corporate Secretary, specifically the Government,
Secretary, khususnya Government, Public Relations Public Relations & Corporate Social Responsibility
& Corporate Social Responsibility Department, yang Department, which is responsible for the implementation of
bertanggung jawab atas penerapan keuangan berkelanjutan sustainable finance under the supervision of the President
di bawah pengawasan Direktur Utama. Tugu Insurance Director. Tugu Insurance recognizes the need for a risk
menyadari perlunya kajian analisis risiko akibat perubahan analysis study on the impact of climate change on the
116 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 119
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
iklim terhadap keberlanjutan operasional Perseroan. Pada Company’s operations sustainability. In 2024, the Company
tahun 2024, Perseroan mengevaluasi bahwa perubahan evaluated that climate change did not have a significant
iklim tidak memiliki dampak risiko langsung yang signifikan direct risk impact on the Company’s performance. However,
terhadap kinerja perusahaan. Namun demikian, Perseroan the Company allocates funds to mitigate the impact of
mengalokasikan dana penanggulangan dampak perubahan climate change due to emissions through planting 10,950
iklim karena emisi melalui kegiatan penanaman 10.950 trees amounting to IDR581 million for 2024. [GRI 3-3,
pohon sebesar Rp581 juta untuk tahun 2024. [GRI 3-3, 201-2]
201-2]
Kewajiban Program Pensiun
Pension Plan Obligations
Tugu Insurance memenuhi kewajiban program pensiun Tugu Insurance fulfills its pension program obligations by
dengan mematuhi Undang-Undang No. 6 Tahun 2023, yang complying with Law No. 6 of 2023, in Lieu of Law (Perpu)
menetapkan Peraturan Pemerintah Pengganti Undang- No. 2 of 2022 on Job Creation. To fulfill these rights,
Undang (Perpu) No. 2 Tahun 2022 tentang Cipta Kerja. the Company provides pension programs to employees
Untuk memenuhi hak tersebut, Perseroan menyediakan who have reached retirement age. The post-employment
program pensiun kepada pekerja yang telah memasuki programs include those required by Law No. 40 of 2004
masa pensiun. Program pascakerja meliputi program yang on the National Social Security System, Government
diwajibkan oleh UU No. 40 Tahun 2004 tentang Sistem Regulation (PP) No. 45 of 2015 on Pension Benefits, and
Jaminan Sosial Nasional, PP No. 45 tahun 2015 tentang Government Regulation No. 46 of 2015, as amended by
Jaminan Pensiun, dan PP No. 46 tahun 2015 dengan No. 60 of 2015 on Old Age Security, which is managed by
perubahannya No. 60 tahun 2015 tentang Jaminan Hari BPJS Employment.
Tua, yang diselenggarakan oleh BPJS Ketenagakerjaan.
Selain itu, Perseroan juga memberikan uang pensiun Moreover, the Company provides pension funds along with
ditambah uang asuransi pensiun sesuai dengan ketentuan pension insurance in line with the provisions of Collective
Perjanjian Kerja Bersama (PKB), dan pekerja yang berhenti Labor Agreement (PKB), and employees who resign before
sebelum usia pensiun normal akan mendapatkan manfaat reaching the normal retirement age will receive proportional
proporsional sesuai dengan ketentuan Perjanjian Kerja benefits according to the terms of the Collective Labor
Bersama. Peraturan perundang-undangan yang berlaku Agreement. The applicable laws and regulations, as well as
dan kesepakatan antara Perseroan dan Serikat Pekerja di the agreements between the Company and the Labor Union
dalam PKB mengatur evaluasi dan perubahan kebijakan in PKB, regulate the evaluation and changes to the pension
program jaminan pensiun. [GRI 3-3] program policy. [GRI 3-3]
Tabel Kewajiban program pensiun (dalam Jutaan Rupiah) [GRI 201-3]
Table of Pension Plan Liabilities (in Millions of Rupiah) [GRI 201-3]
Uraian
2024 2023 2022
Description
Uang Pensiun
23.845 14.543 24.644
Pension
Jumlah Peserta Program Pensiun 28 orang 30 orang 19 orang
Total Pension Program Participants 28 people 30 people 19 people
Bantuan Finansial dari Pemerintah
Financial Assistance from the Government
Dalam pengelolaan usaha, Perseroan tidak mendapat In its business management, the Company does not
bantuan finansial dari pemerintah seperti pembebasan receive financial assistance from the government, such
pajak dan kredit pajak, subsidi, hibah investasi, insentif as tax exemptions and tax credit, subsidies, investment
finansial dan sebagainya. Sementara itu, sebagai anak grants, financial incentives, and others. Meanwhile,
perusahaan BUMN, keterkaitan pemerintah dalam struktur as a subsidiary of a state-owned enterprise (SOE), the
kepemilikan saham Tugu Insurance melalui PT Pertamina government’s involvement in Tugu Insurance’s share
(Persero) sebanyak 58,50%. [GRI 3-3, 201-4] ownership structure through PT Pertamina (Persero) is
58.50%. [GRI 3-3, 201-4]
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 117
Page 120
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Kinerja Keberlanjutan - Aspek Lingkungan
Sustainability Performance - Environmental Aspects
Tanggung jawab untuk menjaga The responsibility to preserve nature
kelestarian alam dan lingkungan and the environment is an obligation
merupakan kewajiban setiap individu, for every individual, group, and
kelompok dan organisasi termasuk organization, including business
entitas bisnis. Pengelolaan usaha entities. Business management must
harus memberikan perhatian be attentive to and responsible for
dan bertanggung jawab terhadap the environmental ecosystem. The
ekosistem lingkungan hidup. Konsep sustainable development concept has
pembangunan berkelanjutan telah helped to balance economic, social,
membantu mencapai keseimbangan and environmental aspects.
antara aspek ekonomi, sosial, dan
lingkungan.
Konsep keberlanjutan mendorong The sustainability concept supports
pertumbuhan ekonomi yang economic growth ensuring that
memastikan bahwa pembangunan development can meet the needs
dapat memenuhi kebutuhan generasi of present generation without
sekarang tanpa mengorbankan compromising future generations.
generasi mendatang. Hal ini sejalan This is in line with the increasing
dengan peningkatan kesadaran pelaku awareness among business actors
bisnis tentang risiko yang terkait regarding the risks associated with
dengan dampak perubahan iklim pada the impact of climate change on
keberlangsungan bisnis. business sustainability.
Mengingat pentingnya peran Considering the crucial role of
perusahaan dalam kelestarian companies in environmental
lingkungan hidup, maka topik conservation, the topic of sustainable
pengelolaan usaha berkelanjutan business management of biodiversity
keanekaragaman hayati (GRI 304) (GRI 304) needs to be included in
perlu untuk disampaikan dalam this report.
laporan ini.
118 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Meski bergerak di bidang industri asuransi yang tidak Although engaged in the insurance industry, which is not
langsung berkaitan dengan isu-isu lingkungan, Tugu directly related to environmental issues, Tugu Insurance
Insurance menganggap penting terlibat aktif dalam considers it important to actively involve in environmental
menjaga kelestarian lingkungan hidup bersama pemerintah conservation alongside the government and other societal
dan komponen masyarakat lainnya. Perseroan menerapkan components. The Company applies sustainability policies
kebijakan dan praktik keberlanjutan dalam rangka and practices as part of its contribution to environmental
kontribusi terhadap menjaga kelestarian lingkungan dan preservation and the achievement of the Sustainable
pencapaian Tujuan Pembangunan Berkelanjutan (TPB/ Development Goals (SDGs).
SDG’s).
Penerapan kebijakan keberlanjutan di lingkungan Tugu Sustainability policy within Tugu Insurance is applied as
Insurance menjadi bagian dari kebijakan dan strategi an integral part of the Company’s Social and Evironmental
program TJSL (Tanggung Jawab Sosial dan Lingkungan) Responsibility (TJSL) or Corporate Social Responsibility
atau CSR (Corporate Social Responsibility), yang ditetapkan (CSR) programs, which are stipulated in the Board
dengan Surat Keputusan Direksi No. 01/SKD/06/ERL- of Directors’ Decision Letter No. 01/SKD/06/ERL-
ATPI/I/2022 tanggal 6 Januari 2022 tentang Penerbitan ATPI/I/2022 dated 6 January 2022, on the Issuance
Pedoman Tanggung Jawab Sosial dan Lingkungan of Corporate Social and Environmental Responsibility
Perusahaan No. A-001/7100/2021. Tujuan kebijakan dan Guidelines No. A-001/7100/2021. The objectives of this
strategi TJSL ini adalah: [GRI 3-3] TJSL policy and strategy are: [GRI 3-3]
1. Mewujudkan tanggung jawab sosial dan etika 1. Realizing corporate social and ethical responsibility
perusahaan dalam rangka berperan serta meningkatkan to contribute to improving the quality of life for
kualitas kehidupan masyarakat dan lingkungan; communities and the environment;
2. Memperkuat merek produk perusahaan dan 2. Strengthening the Company’s product brand and
menciptakan nilai kompetitif di tengah persaingan creating competitive value amid the insurance industry
industri asuransi; competition;
3. Memperkuat positivitas citra dan reputasi Perusahaan; 3. Strengthening the Company’s positive image and
reputation;
4. Meminimalisir dampak negatif Perusahaan; 4. Minimizing the Company’s negative impact;
5. Membantu mengelola risiko Perusahaan dan mengurangi 5. Helping to manage the Company’s risks and reducing
pengeluaran akibat risiko atau konflik yang timbul dari expenses resulting from risks or conflicts arising from
jalannya Perusahaan; business operations;
6. Memberikan kesempatan bagi masyarakat untuk 6. Providing opportunities for communities to grow, both in
berkembang, baik secara pengetahuan maupun terms of knowledge and economic well-being;
tingkat ekonomi;
7. Memberdayakan masyarakat dengan memberikan 7. Empowering communities by providing skills training to
pelatihan keterampilan agar mampu menjadi individu enable them to become independent individuals.
yang mandiri.
Tugu Insurance telah menugaskan pelaksanaan TJSL Tugu Insurance has assigned the Corporate Secretary,
di Tugu Insurance kepada Corporate Secretary melalui through the function of Government, PR & CSR Department,
fungsi Government, PR & CSR Departement dan dapat to carry out TJSL programs in coordination with, or with
berkoordinasi dengan maupun diperbantukan oleh group assistance from, working groups or other relevant parties
kerja atau pihak terkait lainnya jika dibutuhkan dan as needed, subject to approval by the Board of Directors.
disetujui oleh Direksi.
Tugu Insurance terus melakukan evaluasi dan pemantauan Tugu Insurance constantly evaluates and monitors the
atas pelaksanaan kegiatan TJSL. Pelaporan atas kegiatan implementation of TJSL activities. Reports on TJSL
TJSL diterbitkan dalam laporan tahunan dan laporan activities are published annually in the annual report and
keberlanjutan setiap tahun. Pemantauan dan evaluasi sustainability report. Regular monitoring and evaluation
dilakukan secara berkala terhadap kegiatan TJSL agar are conducted to ensure that ongoing or completed
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 119
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01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
program yang sedang atau sudah dijalankan tepat sesuai programs align with their intended targets. Additionally, the
dengan sasarannya. Selain itu, hasil pemantauan dan monitoring and evaluation results serve as input for the
evaluasi menjadi bahan masukan perbaikan bagi Perseroan Company to improve and determine TJSL programs for the
untuk penentuan program TJSL pada periode berikutnya. next period. [GRI 3-3]
[GRI 3-3]
Biaya Pengelolaan Lingkungan Hidup [OJK F.4]
Environmental Management Cost [OJK F.4]
Perseroan telah melaksanakan program TJSL yang The Company has carried out TJSL programs under Bakti
tergabung dalam Bakti Tugu (Bersatu Aksi Kepedulian Tugu TUGU (Bersatu Aksi Kepedulian Tugu Insurance) for
Insurance). Dengan Bakti Tugu Pilar Lingkungan Hidup, environmental pillar. Through Bakti Tugu Environmental
Tugu Insurance telah melakukan beberapa kegiatan dan Pillar, Tugu Insurance has carried out several activities and
mengalokasikan dana untuk lingkungan hidup dengan allocated funds for environmental initiatives, with total
realisasi pengeluaran biaya sebesar Rp581 juta. realized expenditures amounting to IDR581 million.
Penggunaan Material [OJK F.5]
Use of Materials [OJK F.5]
Sebagaimana umumnya perusahaan, Tugu Insurance As with many companies, Tugu Insurance uses office
menggunakan bahan material berupa Alat Tulis Kertas supplies, including paper, for administrative purposes such
(ATK) untuk kebutuhan administrasi perkantoran. as printing insurance policies, brochures to promote the
Penggunaan kertas antara lain untuk mencetak polis importance of insurance, correspondence, and various
asuransi, brosur untuk mengampanyekan pentingnya office administration needs.
asuransi, surat-menyurat dan berbagai keperluan
administrasi di kantor.
Pada periode pelaporan, penggunaan material kertas In the reporting period, paper consumption at the head
di kantor pusat mencapai 2.619 rim. Tugu Insurance office reached 2,619 reams. Tugu Insurance recognized
menyadari penggunaan kertas juga berkontribusi secara that paper consumption also indirectly contributed to the
tidak langsung terhadap pemanfaatan jumlah pohon yang number of trees cut down for processing into pulp or paper.
ditebang untuk diolah menjadi pulp atau bubur kertas.
Oleh karena itu, Perseroan menerapkan program Therefore, the Company applies a paper usage reduction
penghematan pemakaian kertas. Tugu Insurance terus program. Tugu Insurance continues to promote the 3R
melakukan program 3R (Reduce, Reuse, Recycle) dan (Reduce, Reuse, Recycle) program and efficiency measures
penghematan dengan menerapkan konsep paperless by adopting a paperless administration concept, where
administration dimana berbagai dokumen dan peraturan various documents and company regulations are sent and
perusahaan dikirim dan disimpan secara elektronik. stored electronically.
Penggunaan Energi [OJK F.6, F.7][ESG E-03]
Energy Use [OJK F.6, F.7][ESG E-03]
Tugu Insurance menjalankan operasional usaha dengan Tugu Insurance conducts its business operations using
menggunakan energi yang bersumber dari listrik dan energy sourced from electricity and fuel (BBM). The
Bahan Bakar Minyak (BBM). Konsumsi energi dalam Tugu Company’s energy consumption primarily consists of
Insurance yang terutama berupa pemakaian listrik untuk electricity usage for office activities, while energy use
kegiatan perkantoran. Sementara penggunaan energi outside the organization refers to fuel for transportation. In
di luar organisasi berupa BBM yang digunakan untuk the reporting period, energy consumption from operational
transportasi. Pada periode pelaporan, penggunaan energi vehicle fuel at the head office was 1,447 Gigajoules (Gj).
yang bersumber dari BBM kendaraan operasional kantor
pusat sebanyak 1.447 Gigajoule (Gj).
120 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Tabel Penggunaan BBM Kantor Pusat
Table of Fuel Usage in the Head Office
Jenis BBM Satuan
2024 2023 2022
Types of Fuel Unit
Premium
1. Pertamax Turbo Liter
20.368 19.217 1.201
Litre
2. Pertamax Liter
20.230 23.891 21.937
Litre
Total Premium Liter
40.598 43.108 23.138
Litre
Solar
Diesel Fuel
1. Pertamina Dex Liter
2.978 4.942 2.954
Litre
Total Konsumsi Energi BBM
Gigajoule * 1.447 1.600 870
Total Fuel Consumption
*) Pedoman Penyelenggaraan Inventarisasi Gas Rumah Kaca Nasional - KLH 2012 (ref: IPCC 2006), 1 liter BBM = 0,033 Gigajoule (Gj) (premium) dan
0,036 Gj (solar)
*) Guidelines for Implementing National Greenhouse Gas Inventories - KLH 2012 (ref: IPCC 2006), 1 liter of fuel = 0.033 Gigajoule (Gj) (premium) and
0.036 Gj (diesel)
Selain penggunaan energi dari BBM, Perseroan juga In addition to energy use from fuel (BBM), the Company
memanfaatkan energi yang berasal dari konsumsi listrik. also utilizes energy from electricity consumption. The entire
Seluruh pasokan listrik berasal dari PLN yang tercatat electricity supply comes from PLN and is recorded based
berdasarkan penghitungan sesuai jumlah pembelian on direct purchase calculations. The data on electricity
langsung. Penyajian data pemakaian listrik hanya usage is presented only for the Head Office area.
mencakup di area Kantor Pusat.
Tabel Penggunaan Listrik Kantor Pusat
Table of Electricity Usage in the Head Office
Uraian Satuan
2024 2023 2022
Description Unit
Total Konsumsi Listrik
kWh 274.533 252.116 261.112
Total Electricity Consumption
Total Konsumsi Energi Listrik
Gj 988 907 940
Total Electrical Energy Consumption
Perhitungan Emisi GRK dari pemakaian kWh listrik berdasarkan ketentuan dari Dirjen Kelistrikan Kementerian ESDM (2017), 1 kWh=0,0036 Gigajoule
Calculation of GHG emissions from the use of kWh of electricity based on provisions from the Director General of Electricity, Ministry of Energy and Mineral
Resources (2017), 1 kWh = 0.0036 Gigajoule
Tabel Konsumsi Energi Kantor Pusat
Table of Energy Usage in the Head Office
Uraian Satuan
2024 2023 2022
Description Unit
Konsumsi Energi BBM
Gj 1.447 1.600 870
Fuel Consumption
Konsumsi Energi Listrik
Gj 988 907 940
Electrical Energy Consumption
Total Konsumsi Energi
Gj 2.435 2.507 1.810
Total Energy Consumption
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 121
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01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Intensitas Energi
Energy Intensity
Penghitungan intensitas energi berdasarkan jumlah The calculation of energy intensity is based on the total
penggunaan energi di dalam dan di luar organisasi yang energy consumption inside and outside the organization,
bersumber dari BBM dan listrik. Nilai yang lebih rendah sourced from fuel and electricity. A lower value indicates
menunjukkan penggunaan energi yang lebih sedikit. lower energy usage. This value is determined by comparing
Nilai ini didasarkan pada jumlah listrik yang dikonsumsi the amount of electricity consumed with the total
dibandingkan dengan dibandingkan dengan total produksi production in the form of gross premiums. In the reporting
berupa premi bruto. Pada tahun yang dilaporkan, intensitas year, electricity energy intensity was 0.29 GJ/billion Rupiah.
energi listrik sebesar 0,29 Gj/miliar Rupiah.
Tabel Intensitas Energi Kantor Pusat
Table of Energy Intensity in the Head Office
Uraian Satuan
2024 2023 2022
Description Unit
Konsumsi Listrik
kWh 274.533 252.116 261.112
Electricity Consumption
Luas Bangunan
m2 7.697 8.468 8.468
Building Area
Intensitas Listrik
kWh/m2 35,67 29,77 30,84
Electricity Intensity
Total Konsumsi Energi BBM dan Listrik
Gj 2.435 2.507 1.810
Total Fuel and Electricity Energi Consumption
Produksi (Premi Bruto) Miliar Rupiah
8.537 7.710 6.706
Production (Gross Premium) Billion Rupiah
Intensitas Energi Gj/Miliar Rupiah
0,29 0,33 0,27
Energy Intensity Gj/Billion Rupiah
Penggunaan energi listrik di Kantor Pusat Tugu Insurance Based on the IKE Standard Value Table for Government
dengan ruangan ber-AC pada periode pelaporan Office Buildings, electricity consumption at Tugu Insurance’s
berdasarkan Tabel Nilai IKE Standard Bangunan Gedung Head Office, which included air-conditioned rooms, during
Perkantoran Pemerintah, tercapai 32,42 kWh/m2/tahun the reporting period reached 32.42 kWh/m²/year, or under
atau termasuk kategori Sangat Efisien. the “Highly Efficient” category.
Tabel Nilai IKE Standard di Bangunan Gedung Perkantoran Pemerintah Berdasarkan Permen ESDM No. 13/2012
Table of IKE Standard Values in Government Office Buildings Based on Minister of Energy and Mineral Resources Regulation No. 13/2012
Ber-AC Tanpa AC
AC Without AC
Kriteria
Criteria kWh/m2/bulan kWh/m2/tahun* kWh/m2/bulan kWh/m2/tahun*
kWh/m2/month kWh/m2/year* kWh/m2/month kWh/m2/year*
Sangat Efisien
<8,5 <120 <3,4 <40,8
Very Efficient
Efisien
8,5-14 120-168 3,4-5,6 40,8-67,2
Efficient
Cukup Efisien
14-18,5 168-222 5,6-7,4 67,2-88,8
Quite Efficient
Boros
>18,5 >222 >7,4 >88,8
Not Efficient
Sumber: Jurnal Teknik Mesin (JTM): Vol. 06, Edisi Spesial 2017 | Source: Journal of Mechanical Engineering (JTM): Vol. 06, Special Edition 2017
*konversi dalam setahun | *conversion within a year
122 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Penggunaan Air [OJK F.8][ESG E-04]
Water Use [OJK F.8][ESG E-04]
Penggunaan air di Tugu Insurance pada umumnya untuk Tugu Insurance primarily uses water for office needs, such
kepentingan kantor seperti kebutuhan sanitasi dan as sanitation and office household requirements. The
rumah tangga kantor. Perseroan menggunakan air untuk Company’s operational water supply comes from PDAM.
kebutuhan operasional bersumber dari dari PDAM. During the reporting period, water consumption reached
Pemakaian air selama periode pelaporan mencapai 6,93 6.93 megaliters. This water usage decreased significantly
mega liter. Pemakaian air ini menurun signifikan dari tahun from that of the previous year due to the appeal to save
sebelumnya karena adanya himbauan penghematan air di water in Tugu Insurance’s office environment.
lingkungan perkantoran Tugu Insurance.
Tabel Pemakaian Air di Kantor Pusat
Table of Water Use in the Head Office
Sumber Satuan
2024 2023 2022
Source Unit
PDAM
M3 6.928 27.064 22.894
State Water Company
Jumlah pemakaian air M3 6.928 27.064 22.894
Number of water use
Liter (L)
6.928.000 27.064.000 22.894.000
Litre (L)
Mega Liter (ML)
6,93 27,06 22,89
Mega Litre (ML)
Keanekaragaman Hayati [OJK F.9, F.10][GRI 304-1][ESG E-06, E-07]
Biodiversity [OJK F.9, F.10][GRI 304-1][ESG E-06, E-07]
Perlunya kesadaran bersama untuk menjaga keseimbangan Shared awareness is necessary to maintain a balance
antara profitabilitas perusahaan dengan upaya between corporate profitability and environmental
melestarikan lingkungan. Tugu Insurance menyadari conservation efforts. Tugu Insurance recognizes its role
perannya untuk memberikan dampak positif terhadap in making a positive environmental impact by promoting
lingkungan dengan cara mendorong investasi yang berpihak investments that support sustainable business activities
pada kegiatan usaha berkelanjutan yang memperhatikan with a focus on environmental preservation.
pelestarian lingkungan.
Tugu Insurance juga melakukan beragam upaya untuk Tugu Insurance also organizes various initiatives to
meminimalkan dampak negatif operasional usaha terhadap minimize the negative environmental impact of its business
lingkungan, dengan menetapkan berbagai kebijakan dan operations by implementing sustainability policies and
inisiatif keberlanjutan yang di lingkungan kerja pada kantor initiatives in the workplace at its head office and branch
pusat dan kantor-kantor cabang. Kebijakan dan inisiatif offices. These policies and initiatives are part of the
tersebut sebagai bagian komitmen Perseroan untuk Company’s commitment to supporting the achievement of
mendukung pencapaian target Net Zero Emission dan Net Zero Emission target and reducing GHG emissions,
mengurangi emisi GRK, komitmen tersebut, antara lain: these commitments are among others: [ESG E-06, E-O7]
[ESG E-06, E-O7]
1. Penghematan energi, dengan cara mengurangi penggunaan listrik di kantor 1 2
Energy savings by reducing the use of electricity in the office
2. Penghematan penggunaan bahan bakar
Efficient use of fuel
3. Anjuran untuk menerapkan gaya hidup go green kepada seluruh pekerja
Prompts to adopt a go green lifestyle for all employees
4. Penghematan penggunaan kertas dengan mengoptimalkan pemanfaatan teknologi 3 4
online untuk mengurangi dokumen tertulis dan cara-cara kerja manual
Reducing paper usage by optimising the use of online technology to reduce written
documents and manual labour
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 123
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01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Tugu Insurance juga menerapkan pendekatan dan prinsip Tugu Insurance also applies precautionary approaches
pencegahan ketika mengevaluasi portofolio asuransi yang and principles when evaluating its environmentally
memiliki kaitan dengan lingkungan hidup. Hal ini sebagai related insurance portfolios. This reflects the Company’s
bentuk komitmen Perseroan menjaga kelestarian alam dan commitment to preserving nature and implementing
melaksanakan program keuangan berkelanjutan. sustainable finance programs.
Sementara secara lokasi operasional, Tugu Insurance In terms of operational location, Tugu Insurance is
tidak berada di kawasan lindung atau kawasan dengan not situated in protected areas or areas with high
keanekaragaman hayati tinggi di luar kawasan hutan biodiversity outside protected forest areas. Therefore,
lindung. Dengan demikian, tidak terdapat dampak there is no significant impact from insurance operations
signifikan dari pengoperasian kegiatan perasuransian on biodiversity, including protected animal and plant
terhadap keanekaragaman hayati, jenis-jenis hewan dan species. As a result, there are no IUCN Red List species or
tumbuhan yang dilindungi. Oleh karena itu, tidak terdapat nationally protected species whose habitats are affected by
spesies Daftar Merah IUCN dan spesies daftar konservasi the Company’s operations, based on extinction risk levels.
nasional dengan habitat dalam wilayah yang terkena efek [GRI 304-1, 304-2, 304-3, 304-4]
operasi Perseroan, berdasarkan tingkat risiko kepunahan.
[GRI 304-1, 304-2, 304-3, 304-4]
Namun, Pada periode pelaporan, Perseroan telah During the reporting period, the Company carried
melakukan kegiatan berkaitan dengan keanekaragaman out biodiversity-related activities through Bakti Tugu
hayati melalui program Bakti Tugu Pilar Lingkungan Hidup Environmental Pillar program in the form of planting a total
berupa penanaman pohon sebanyak 10.950 pohon. of 10,950 trees. However, no habitats were specifically
Sementara itu, tidak terdapat habitat yang secara khusus protected or restored.
dilindungi atau direstorasi dalam program kegiatan
tersebut.
Emisi [OJK F.11, F.12][ESG E-01, E-02]
Emissions [OJK F.11, F.12][ESG E-01, E-02]
Kegiatan operasional Perseroan berpotensi dan The Company’s operations have the potential and
berkontribusi dalam menghasilkan emisi GRK melalui contribute to greenhouse gas (GHG) emissions through
penggunaan energi listrik, dan Bahan Bakar Minyak (BBM). electricity and fuel (BBM) consumption. The generated
Emisi GRK yang dihasilkan meliputi: emisi GRK cakupan 1, GHG emissions include Scope 1, Scope 2, and Scope 3
emisi GRK cakupan 2, dan emisi GRK cakupan 3. GHG emissions.
Emisi GRK cakupan 1 berasal dari penggunaan bahan Scope 1 GHG emissions come from the use of fuel
bakar minyak (premium) kendaraan operasional Perseroan. (premium) for the Company’s operational vehicles. Scope
Emisi GRK cakupan 2 bersumber dari penggunaan listrik di 2 GHG emissions come from electricity consumption in
gedung kantor. office buildings.
Metode penghitungan emisi GRK Cakupan 1 (BBM) yang The calculation method for Scope 1 GHG emissions (fuel)
dipakai di Indonesia dan negara-negara non-Annex 1 used in Indonesia and non-Annex 1 countries (developing
(negara berkembang) adalah Tier-1, yaitu berdasarkan countries) follows the Tier-1 approach, which is based on
data konsumsi energi dikalikan faktor emisi default IPCC energy consumption data multiplied by the default emission
(Intergovernmental Panel on Climate Change/Panel Antar factor from IPCC (Intergovernmental Panel on Climate
pemerintah tentang Perubahan Iklim). Pada periode Change). During the 2024 reporting period, Scope 1 GHG
pelaporan tahun 2024, jumlah emisi GRK cakupan 1 (BBM) emissions (fuel) amounted to 100,274 kgCO2eq.
sebesar 100.274 kgCO2eq.
Tabel Emisi GRK Cakupan 1 (BBM)
Table of GHG Emission Scope 1 (Fuel)
Jenis BBM Satuan
2024 2023 2022
Types of Fuel Unit
Konsumsi Energi BBM - Premium Liter
40.598 43.108 23.138
Fuel Consumption - Premium Litre
Konsumsi Energi BBM - Solar Liter
2.978 4.942 2.954
Fuel Consumption - Diesel Litre
124 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 127
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Tabel Emisi GRK Cakupan 1 (BBM)
Table of GHG Emission Scope 1 (Fuel)
Jenis BBM Satuan
2024 2023 2022
Types of Fuel Unit
Konsumsi Energi BBM - Premium
Tj 1,45 1,42 0,76
Fuel Consumption - Premium
Konsumsi Energi BBM - Solar
Tj 0,11 0,18 0,11
Fuel Consumption - Diesel
Faktor Emisi Default IPCC*
Default Emission Factor IPCC*
- Premium kgC02/Tj 69.300 69.300 69.300
- Solar
kgC02/Tj 74.100 74.100 74.100
Diesel
Emisi GRK Cakupan 1 (BBM)
kgC02eq 100.274 111.767 60.794
GHG Emission Scope 1 (Fuel)
*) Pedoman Penyelenggaraan Inventarisasi Gas Rumah Kaca Nasional - Kementerian Lingkungan Hidup 2012 (ref: IPCC 2006)
*) Guidelines for Implementing National Greenhouse Gas Inventories - Ministry of the Environment 2012 (ref: IPCC 2006)
Sementara metode penghitungan emisi GRK cakupan 2 Meanwhile, the calculation method for Scope 2 GHG
(listrik) mengacu pada panduan perhitungan emisi GRK emissions (electricity) refers to the GHG emission
dari pemakaian kWh listrik berdasarkan ketentuan dari calculation guidelines for electricity consumption (kWh)
Dirjen Kelistrikan Kementerian ESDM (2017). Pada periode based on the Directorate General of Electricity, Ministry of
pelaporan tahun 2024, jumlah emisi GRK cakupan 2 Energy and Mineral Resources (ESDM) (2017). During the
(listrik) sebesar 256.414 kgCO2eq. 2024 reporting period, Scope 2 GHG emissions (electricity)
amounted to 256,414 kgCO2eq.
Tabel Emisi GRK Cakupan 2 (Listrik)
Table of GHG Emission Scope 2 (Electricity)
Jenis BBM Satuan
2024 2023 2022
Types of Fuel Unit
Konsumsi Listrik
kWh 274.533 252.116 261.112
Electricity Consumption
Faktor Emisi Default*
kgC02/kWh 0,934 0,934 0,934
Default Emission Factor*
Emisi GRK Cakupan 2
kgC02eq 256.414 235.476 243.879
GHG Emission Scope 2
*) Perhitungan Emisi GRK dari pemakaian kWh listrik berdasarkan ketentuan dari Dirjen Kelistrikan Kementerian ESDM (2017)
*) Calculation of GHG emissions from the use of kWh of electricity based on provisions from the Director General of Electricity, Ministry of Energy and
Mineral Resources (2017)
Adapun penghitungan emisi GRK cakupan 3 berdasarkan Furthermore, the calculation of Scope 3 GHG emissions is
perjalanan dinas menggunakan pesawat udara dengan based on business travel using airplanes, following ICAO
standar ICAO (International Civil Aviation Organization). (International Civil Aviation Organization) standards. During
Selama periode pelaporan, penggunaan pesawat untuk the reporting period, air travel for business trips generated
perjalanan dinas telah berdampak terhadap pengeluaran emissions of 17,519 kgCO2eq.
emisi sebanyak 17.519 kgCO2eq.
Tabel Emisi GRK Cakupan 3 (Perjalanan Dinas Pesawat)
Table of GHG Emission Scope 3 (Aircraft Trips)
Satuan
Uraian 2024 2023 2022
Unit
Dewan Komisaris
kgC02eq - - -
Dewan Komisaris
Direksi
kgC02eq 17.519 35.625 6.116
Direksi
Total
kgC02eq 17.519 35.625 6.116
Total
*) Perjalanan Dinas Direksi dengan Pesawat Terbang, sedangkan Dewan Komisaris belum dilakukan penghitungan
**) ICAO Calculator (https://applications.icao.int/icec)
*) Board of Directors’ official travel by plane, no calculation yet for the Board of Commissioners
**) ICAO Calculator (https://applications.icao.int/icec)
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 125
Page 128
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Tabel Emisi GRK [ESG E-01]
Table of GHG Emission [ESG E-01]
Sumber Emisi Satuan
2024 2023 2022
Sources of Emission Unit
Kategori 1: Emisi GRK Langsung dan Pembuangan
Category 1: Direct GHG Emissions and Disposal
Emisi Langsung dari Pembakaran Stasioner (Generator Set, Boiler,
Tungku Pembakaran)
tCO2eq - - -
Direct Emissions from Stationary Combustion (Generator Sets,
Boilers, Furnaces)
Emisi Langsung dari Pembakaran Bergerak (Kendaraan Bermotor)
tCO2eq 100,27 111,77 60,79
Direct Emissions from Mobile Combustion (Motor Vehicles)
Emisi Langsung dari Proses Pengolahan (Asap Proses Produksi)
Direct Emissions from Processing Processes (Smoke from Production tCO2eq - - -
Processes)
Emisi Fugitive Langsung (Pelepasan Gas Tidak Sengaja Akibat
Kebocoran) tCO2eq - - -
Direct Fugitive Emissions (Accidental Gas Releases Due to Leaks)
Emisi Langsung dari Land Use, Land Use Change and Forestry
(LULUCF)
tCO2eq - - -
Direct Emissions from Land Use, Land Use Change, and Forestry
(LULUCF)
Total Emisi Langsung (Scope 1)
tCO2eq 100,27 111,77 60,79
Total Direct Emissions (Scope 1)
Kategori 2: Emisi GRK Tidak Langsung dari Energi yang Diimpor/Dibeli
Category 2: Indirect GHG Emissions from Imported/Purchased Energy
Emisi Tidak Langsung dari Konsumsi Listrik yang Diimpor/Dibeli
Indirect Emissions from Consumption of Imported/Purchased tCO2eq 256,41 235,48 243,88
Electricity
Emisi Tidak Langsung dari Konsumsi Jaringan Energi yang Diimpor/
Dibeli (Di luar Listrik)
tCO2eq - - -
Indirect Emissions from Consumption of Imported/Purchased Energy
Networks (Excluding Electricity)
Total Emisi Tidak Langsung (Scope 2)
tCO2eq 256,41 235,48 243,88
Total Indirect Emissions (Scope 2)
Kategori 3: Emisi GRK Tidak Langsung dari Transportasi
Category 3: Indirect GHG Emissions from Transportation
Transportasi dan Distribusi Hulu
tCO2eq - - -
Upstream Transportation and Distribution
Perjalanan Dinas
tCO2eq 17,52 35,63 6,12
Business Travel
Transportasi dari Klien dan Pengunjung
tCO2eq - - -
Transportation from Clients and Visitors
Transportasi dan Distribusi Hilir
tCO2eq - - -
Downstream Transportation and Distribution
Perjalanan Karyawan
tCO2eq - - -
Employee Travel
Total Emisi Tidak Langsung dari Transportasi
tCO2eq 17,52 35,63 6,12
Total Indirect Emissions from Transportation
Kategori 4: Emisi GRK Tidak Langsung dari Produk yang Digunakan oleh Perusahaan
Category 4: Indirect GHG Emissions from Products Used by the Company
Kegiatan yang Berhubungan dengan Energi yang Tidak Termasuk
dalam Emisi Langsung dan Emisi Energi Tidak Langsung (Di luar
Scope 1 dan Scope 2) tCO2eq - - -
Energy-Related Activities not Included in Direct Emissions and Indirect
Energy Emissions (Outside Scope 1 and Scope 2)
Pembelian Barang dan Jasa (Barang dan Bahan Mentah/Produk
Berwujud dan Jasa/Produk Tidak Berwujud)
tCO2eq - - -
Purchase of Goods and Services (Tangible Goods and Raw Materials/
Products and Intangible Services/Products)
Capital Equipment/Goods (Computer, Printer, Bangunan, Mesin dan
Perlengkapan)
tCO2eq - - -
Capital Equipment/Goods (Computers, Printers, Buildings, Machinery,
and Equipment)
126 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 129
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Tabel Emisi GRK [ESG E-01]
Table of GHG Emission [ESG E-01]
Sumber Emisi Satuan
2024 2023 2022
Sources of Emission Unit
Limbah Yang Dihasilkan dalam Kegiatan Operasional (Limbah dan Air
Imbah) tCO2eq - - -
Waste Generated from Operational Activities (Waste and Wastewater)
Aset Sewaan Hulu (Mobil Sewaan, Mesin Sewaan)
tCO2eq - - -
Upstream Leased Assets (Rented Cars, Leased Machinery)
Total Emisi Tidak Langsung dari Produk Yang Digunakan
tCO2eq - - -
Total Indirect Emissions from Products Used
Kategori 5: Emisi GRK Tidak Langsung yang Terkait dengan Penggunaan Produk dari Perusahaan
Category 5: Indirect GHG Emissions Related to the Use of the Company's Products
Investasi (Emisi Scope 1 dan 2, yang Masuk Investasi pada Tahun
Pelaporan yang Belum Termasuk dalam Scope 1 dan 2)
Investment (Scope 1 and 2 Emissions, Which Are Included in tCO2eq - - -
Investments in The Reporting Year That Are Not Included in Scope 1
and 2)
Penggunaan Produk yang Dijual (Oleh Konsumen)
tCO2eq - - -
Use of Products Sold (By Consumers)
Pembuangan Akhir Masa Pakai Produk yang Dijual (Oleh Konsumen di
Akhir Masa Hidup Produk atau Setelah Menjadi Limbah)
tCO2eq - - -
End-of-Life Disposal of Products Sold (By Consumers at The End of
The Product's Life or After it Has Become Waste)
Waralaba Hilir (Scope 1 dan 2 Dari Pengoperasian Waralaba)
tCO2eq - - -
Downstream Franchises (Scope 1 and 2 from Operating Franchises)
Aset Sewaan Hilir (Scope 1 dan 2 dari Pengoperasian Aset Sebagai
Lessor)
tCO2eq - - -
Downstream Leased Assets (Scope 1 and 2 from Operating Assets
as a Lessor)
Pengolahan Produk yang Dijual (Pemrosesan Produk oleh Konsumen,
Untuk Produk Intermediary)
tCO2eq - - -
Processing of Products Sold (Product Processing by Consumers, for
Intermediary Products)
Total Emisi Tidak Langsung dari Penggunaan Produk
tCO2eq - - -
Total Indirect Emissions from Product Use
Kategori 6: Emisi GRK Tidak Langsung dari Sumber Lainnya
Category 6: Indirect GHG Emissions from Other Sources
Emisi atau Pembuangan Tidak Langsung Lainnya (Emisi yang Tidak
Bisa Dilaporkan Pada Kategori Lainnya)
tCO2eq - - -
Other Indirect Emissions or Disposals (Emissions That Cannot be
Reported in Other Categories)
Total Emisi Tidak Langsung dari Sumber Lainnya
tCO2eq - - -
Total Indirect Emissions from Other Sources
Total Emisi Tidak Langsung (Scope 3)
tCO2eq 17,52 35,63 6,12
Total Indirect Emissions (Scope 3)
Total Emisi GRK (Scope 1 dan 2)
tCO2eq 356,69 347,24 304,67
Total GHG Emissions (Scope 1 and 2)
Total Emisi GRK (Scope 1, 2 dan 3)
tCO2eq 374,21 382,87 310,79
Total GHG Emissions (Scope 1, 2 and 3)
Offsets/Credits (Klaim untuk Menghindari Emisi GRK atau Peningkatan Removal GRK dari Atmosfer
Offsets/Credits (Claims for Avoided GHG Emissions or Enhanced GHG Removal from The Atmosphere)
Pembelian Renewable Energy Certificate (REC) (Kwh)
kWh - - -
Purchase Of Renewable Energy Certificates (RECS) (Kwh
Berdasarkan data emisi tersebut diatas, penghitungan Based on the emission data above, the calculation of
intensitas emisi dilakukan dengan menjumlahkan emisi emission intensity is carried out by summing Scope 1 GHG
GRK cakupan 1 (BBM), emisi GRK cakupan 2 (listrik) dan emissions (fuel), Scope 2 GHG emissions (electricity),
emisi GRK cakupan 3 (perjalanan dinas dengan pesawat) and Scope 3 GHG emissions (business air travel) to be
dibandingkan dengan jumlah produksi premi bruto. compared with the total of gross premium production.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 127
Page 130
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Intensitas emisi selama periode pelaporan sebanyak 0,04 The emission intensity during the reporting period
tCO2eq/miliar Rupiah. amounted to 0.04 tCO2eq/billion Rupiah.
Tabel Intensitas Emisi GRK [ESG E-02]
Table of GHG Emission Intensity [ESG E-02]
Jenis BBM Satuan
2024 2023 2022
Types of Fuel Unit
Emisi GRK Cakupan 1
kgC02eq 100.274 111.767 60.794
GHG Emission Scope 1
Emisi GRK Cakupan 2
kgC02eq 256.414 235.476 243.879
GHG Emission Scope 2
Emisi GRK Cakupan 3
kgC02eq 17.519 35.625 6.116
GHG Emission Scope 3
Total Emisi GRK
kgC02eq 374.206 382.868 310.789
Total GHG Emission
tC02eq 374,21 382,87 310,79
Jumlah Produksi (Premi Bruto) Miliar Rupiah
8.537 7.710 6.706
Total Production (Gross Premium) Billion Rupiah
Pendapatan Miliar Rupiah
3.933 3.591 3.094
Revenues Billion Rupiah
Intensitas Emisi GRK Berdasarkan Produksi tC02eq/miliar Rp
0,04 0,05 0,05
GHG Emission Intensity by production tC02eq/billion IDR
Intensitas Emisi GRK Berdasarkan Pendapatan tC02eq/miliar Rp
0,10 0,11 0,10
GHG Emission Intensity by revenue tC02eq/billion IDR
Pengelolaan Limbah dan Efluen [OJK F.13, F .14, F.15][ESG E-05]
Waste and Effluent Management [OJK F.13, F.14, F.15][ESG E-05]
Dengan mengurangi jumlah limbah yang dihasilkan oleh By reducing the amount of waste from its operations, Tugu
operasinya, Tugu Insurance berusaha untuk turut serta Insurance strives to participate in efforts to preserve the
menjaga lingkungan. Limbah yang paling umum dalam environment. The most common type of waste in business
kegiatan usaha adalah limbah domestik atau limbah padat activities is domestic waste, which is disposed of by third
yang diserahkan oleh pihak ketiga, seperti pengelola parties, such as building management or other certified
gedung atau pihak lain yang telah disertifikasi. Tahun entities. In 2024, non-B3 solid waste generated from
2024, limbah padat non B3 yang dihasilkan dari Gedung Wisma Tugu Building, Tugu Insurance Head Office, reached
Wisma Tugu Kantor Pusat Tugu Insurance mencapai 78,83 78.83 tons, and all such waste was handed over to a party
ton, dan seluruhnya diserahkan kepada pihak ketiga (Dinas (Environmental Service (DLH) of DKI Jakarta). [ESG E-05]
Lingkungan Hidup (DLH) DKI Jakarta). [ESG E-05]
Tugu Insurance tidak menghasilkan limbah B3 dalam Tugu Insurance did not generate a significant amount
jumlah yang signifikan dan tidak melakukan pengolahan of hazardous and toxic waste (B3) and did not conduct
limbah secara mandiri, karena itu Perseroan tidak independent waste processing. Therefore, the Company did
mencantumkan jumlah limbah dan mekanisme not include waste volume and management mechanisms in
pengelolaannya dalam laporan ini. this report.
Pengaduan Terkait Lingkungan Hidup [OJK F.16]
Complaints Related to the Environment [OJK F.16]
Tugu Insurance memastikan kepatuhan terhadap undang- Tugu Insurance ensures compliance with laws in all
undang dalam setiap aspek, termasuk lingkungan. Untuk aspects, including environmental regulations. To support
mendukung komitmen tersebut, perlu pelibatan pemangku this commitment, stakeholder involvement is necessary
kepentingan memberikan masukan dan pemantauan. to provide input and monitoring. The Company provides
Perseroan telah menyediakan sarana pengaduan atau complaint and feedback channels through Tugu Insurance
penyampaian kritik masukan kepada Tugu Insurance Assistant (Call TIA) 1500458 and the Whistleblowing
melalui Tugu Insurance Assistant (Call TIA) 1500458 dan System (WBS). During the reporting period, the Company
saluran Whistleblowing System (WBS). Selama periode did not receive complaints regarding violations of
pelaporan, tidak terdapat pengaduan atas pelanggaran environmental regulations.
terhadap peraturan lingkungan.
128 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 131
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Kinerja Keberlanjutan - Aspek Sosial
Sustainability Performance - Social Aspects
Keberlanjutan usaha sangat dipengaruhi oleh partisipasi Business sustainability is highly influenced by the
dan keterlibatan karyawan, masyarakat dan konsumen participation and involvement of employees, communities,
sebagai bagian proses bisnis perusahaan. Oleh karena and consumers as integral parts of the Company’s
itu, perusahaan perlu menerapkan prinsip-prinsip business processes. Therefore, the Company needs
keberlanjutan yang menyeimbangkan dimensi ekonomi, to implement sustainability principles that balance
sosial dan lingkungan dalam 5P yaitu 1) People (manusia), economic, social, and environmental dimensions
2) Planet (bumi), 3) Prosperity (kemakmuran), 4) Peace through the 5Ps: 1) People, 2) Planet, 3) Prosperity, 4)
(perdamaian), dan 5) Partnership (kerja sama). Lebih Peace, and 5) Partnership. Furthermore, the Company
lanjut, perusahaan memerlukan pendekatan yang tepat requires an appropriate approach to manage issues
untuk mengelola isu atau topik pada aspek sosial related to social, labor, and consumer aspects, ensuring
kemasyarakatan, ketenagakerjaan dan konsumen, contributions to both performance achievements and
sehingga berkontribusi terhadap pencapaian kinerja dan long-term sustainability.
keberlanjutan perusahaan.
Tugu Insurance telah memberikan perhatian serius Tugu Insurance has paid serious attention to sustainability
isu-isu keberlanjutan pada aspek sosial dan menjadi issues in the social aspect and considered them in the
pertimbangan dalam pengambilan keputusan dalam decision-making of the Company’s all operational lines.
keseluruhan lini operasional perusahaan. Berkaitan dengan In relation to these issues, Tugu Insurance reports its
topik/isu tersebut, Tugu Insurance melaporkan kinerja sustainability performance in the social aspect, which
keberlanjutan terkait dengan aspek sosial mencakup covers the Company’s corporate social responsibility
inisiatif dan program-program tanggung jawab sosial initiatives and programs in the areas of labor, community,
Perseroan di bidang ketenagakerjaan, kemasyarakatan, dan and consumer products and services.
produk dan pelayanan konsumen.
Secara berkala, Perseroan juga mengevaluasi proses bisnis The Company also periodically evaluates its business
dan pelaksanaan tanggung jawab perusahaan agar tepat processes and corporate responsibility implementation to
sasaran dan memenuhi kebutuhan pemangku kepentingan ensure they are well-targeted, meet stakeholder needs, and
serta mendorong pertumbuhan ekonomi nasional. contribute to national economic growth.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 129
Page 132
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
KETENAGAKERJAAN
EMPLOYMENT
Tenaga kerja menjadi salah satu modal dalam The workforce is one of the key assets in the production
memproduksi barang dan jasa, serta faktor penting bagi of goods and services and a crucial factor for business
keberlanjutan usaha. Tugu Insurance memberikan fokus sustainability. Tugu Insurance focuses on human resource
perhatian dalam pengelolaan SDM dan ketenagakerjaan and labor management, including the implementation of
seperti penerapan kesehatan dan keselamatan kerja occupational health and safety (GRI 403), continuous
(GRI 403), peningkatan kapabilitas karyawan secara development of employee capability, enhanced employee
berkelanjutan, peningkatan pelatihan karyawan agar training to align with current needs and conditions (GRI
sesuai dengan kebutuhan dan kondisi saat ini (GRI 404), 404), improved employee productivity, and alignment
peningkatan produktivitas karyawan, dan penyelarasan between work performance and compensation.
antara prestasi kerja dengan kompensasi.
Tugu Insurance telah menunjuk Human Capital & Services Tugu Insurance has appointed the Human Capital &
Group (HCS Group) sebagai unit yang bertindak mengelola Services Group (HCS Group) as the unit responsible
ketenagakerjaan dan bertanggung jawab langsung kepada for managing labor affairs and reporting directly to the
Direktur Keuangan dan Jasa Korporat. Pentingnya SDM Director of Finance and Corporate Services. Recognizing
berkualitas bagi operasional Perseroan, Tugu Insurance the importance of high-quality human resources for the
telah menerapkan konsep Competency Based Human Company’s operations, Tugu Insurance has implemented
Resource Management (CBHRM). Melalui konsep ini, the Competency-Based Human Resource Management
Perseroan menjadikan dimensi kompetensi yang konsisten (CBHRM) concept. Through this approach, the Company
sebagai acuan dalam menjalankan seluruh proses consistently applies competency dimensions as a
pengelolaan SDM, mulai dari perekrutan, penempatan, reference in all HR management processes, including
pengembangan, dan seterusnya. [GRI 3-3] recruitment, placement, development, and so on. [GRI 3-3]
Kesetaraan Kesempatan Kerja [OJK F.18] Equal Employment Opportunities [OJK F.18]
Tugu Insurance menerapkan prinsip kesetaraan dan Tugu Insurance adopts the principles of equality and equal
kesempatan kerja dalam manajemen ketenagakerjaan. employment opportunities in its workforce management.
Kebijakan ini sebagai bagian dari komitmen Perseroan This policy is part of the Company’s commitment to
untuk melindungi hak asasi manusia dengan memberi protecting human rights by providing equal employment
kesempatan yang sama dalam bekerja, tanpa diskriminasi opportunities, without discrimination as stipulated in
sebagaimana diatur dalam Perjanjian Kerja Bersama (PKB). Collective Labor Agreement (PKB). The Company does not
Perseoan tidak membedakan gender, ras, agama, suku dan differentiate based on gender, race, religion, ethnicity, or
golongan, dalam seluruh tingkatan dan jajaran karyawan social group at any level of employees and management,
serta manajemen baik dalam penerimaan karyawan whether in recruitment, remuneration systems, or job
maupun sistem remunerasi dan jabatan. Sepanjang tahun positions. Throughout 2024, there were no incidents of
2024, tidak terdapat insiden diskriminasi dan pelanggaran discrimination or human rights violations at Tugu Insurance.
hak asasi manusia dalam Tugu Insurance. [ESG S-07, S-08, [ESG S-07, S-08, S-09]
S-09]
Prinsip kesetaraan dan kesempatan yang sama juga The principles of equality and equal opportunities are
diterapkan dalam hal rekrutmen karyawan, pengisian also applied in employee recruitment, career progression,
jenjang jabatan, sistem remunerasi, pengembangan remuneration systems, competency development, and
kompetensi dan penilaian kinerja. Selain itu, jaminan performance assessments. In addition, healthcare benefits
kesehatan diberlakukan secara sama, di mana tanggungan are provided equally, ensuring that female employees’
karyawan perempuan diakui sama dengan karyawan laki- dependents receive the same recognition as those of
laki. male employees.
Karyawan Berdasarkan Kesetaraan Gender 2024 [ESG S-01]
Employees By Gender Equality 2024 [ESG S-01]
Pria Wanita
Jabatan (Level Organisasi) Male Female Jumlah
Position (Organization Level) Pegawai Persentase (%) Pegawai Persentase (%) Total
Employee Percentage (%) Employee Percentage (%)
Executive Level (Deputi Direktur)
1 0,34 1 0,56 2
Executive Level (Deputy Director)
130 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 133
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Karyawan Berdasarkan Kesetaraan Gender 2024 [ESG S-01]
Employees By Gender Equality 2024 [ESG S-01]
Pria Wanita
Jabatan (Level Organisasi) Male Female Jumlah
Position (Organization Level) Pegawai Persentase (%) Pegawai Persentase (%) Total
Employee Percentage (%) Employee Percentage (%)
Senior Level (Group Head & VP, Pekerja
Perbantuan di Anak Perusahaan, Department
Head) 65 22,41 17 9,50 82
Senior Level (Group Head & VP, Subsidiary
Seconded, Department Head)
Mid Level (Manajer, Officer)
148 51,03 75 41,90 223
Mid Level (Manager, Officer)
Entry Level (Staff, Pelaksana)
76 26,21 86 48,04 162
Entry Level (Staff, Implementor)
Jumlah
290 100,00 179 100,00 469
Total
Karyawan Berdasarkan Level, Gender dan kelompok Umur 2024 [ESG S-02]
Employees by Level, Gender, and Age Group 2024 [ESG S-02]
Entry-Level Mid-Level Senior-Level Executive Level
Rentang Usia Jumlah
Age Range Pria Wanita Pria Wanita Pria Wanita Pria Wanita Total
Male Female Male Female Male Female Male Female
18-25 10 20 1 1 - - - - 32
26-35 37 56 40 33 3 - - - 169
36-45 24 10 75 27 29 11 - - 176
46-55 3 - 21 14 18 6 1 1 64
>55 2 - 11 - 15 - - - 28
Jumlah
76 86 148 75 65 17 1 1 469
Total
Tabel Jumlah Kejadian Pelanggaran Hak Asasi Manusia 2024 [ESG S-07]
Table of Total Human Rights Violations Incidents 2024 [ESG S-07]
Uraian Kejadian Pelanggaran
Description Violation Incidents
Jumlah pelanggaran hak asasi manusia
0
Total human rights violations
Tenaga Kerja Anak dan Tenaga Kerja Paksa [OJK Child Labor and Forced Labor [OJK F.19]
F.19]
Tugu Insurance memastikan praktik manajemen Tugu Insurance ensures that its labor management
ketenagakerjaan patuh dan memenuhi ketentuan peraturan practices comply with and adhere to applicable laws
perundang-undangan yang berlaku. Hal ini diperkuat and regulations. This commitment is reinforced by the
dengan komitmen Perseroan memberikan perlindungan Company’s dedication to protecting employees from forced
terhadap tenaga kerja dari praktik kerja paksa dan labor practices and working beyond designated hours. The
pelaksanaan pekerjaan di luar jam kerja. Perseroan Company employs workers in accordance with Law No. 13
mempekerjakan karyawan sesuai Undang-undang No. 13 of 2003 on Manpower, setting the minimum employment
Tahun 2003 tentang Ketenagakerjaan, dengan batas usia age at 18 years. The agreed working hours are 8 (eight)
minimal karyawan 18 tahun, sedangkan jam kerja yang hours per day and 40 (forty) hours per week, based on a
disepakati adalah 8 (delapan) jam 1 (satu) hari dan 40 five-day workweek.
(empat puluh) jam 1 (satu) minggu untuk 5 (lima) hari kerja
dalam 1 (satu) minggu.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 131
Page 134
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Perseroan tidak mempekerjakan tenaga kerja di bawah The Company does not employ workers under the minimum
batas usia minimal sesuai ketentuan atau usia anak-anak age limit according to the provisions or the age of children
di lingkungan perusahaan, sebagaimana diatur dalam within the Company, as stipulated in Collective Labor
Perjanjian Kerja Bersama (PKB). Sekaligus, Tugu Insurance Agreement (PKB). Additionally, Tugu Insurance sets a strict
juga menerapkan kebijakan larangan kerja paksa. Dengan policy prohibiting forced labor. With the implementation of
penerapan kebijakan tersebut, selama tahun pelaporan this policy, there were no reported cases of child labor or
2024, tidak terdapat temuan kasus karyawan anak dan forced labor within the Company during the 2024 reporting
kerja paksa di Perseroan. [ESG S-10] year. [ESG S-10]
Upah Minimum Regional [OJK F.20][GRI 2-21] Regional Minimum Wage [OJK F.20][GRI 2-21]
Remunerasi yang adil dan berbasis kinerja dapat Fair and performance-based remuneration can enhance
meningkatkan produktivitas karyawan. Namun, peningkatan employee productivity. However, the increase in
remunerasi yang tidak diimbangi dengan peningkatan remuneration that is not accompanied by the improvement
motivasi dan kepuasan kerja dapat menyebabkan of motivation and job satisfaction may lead to a decline in
penurunan kinerja karyawan. employee performance.
Berkaitan dengan hal tersebut, Tugu Insurance menerapkan Related to this, Tugu Insurance implements a competitive
sistem remunerasi yang kompetitif dalam setiap jenjang remuneration system at every job level, including entry-level
jabatan, termasuk pada entry level. Berdasarkan dengan positions. In accordance with applicable regulations, the
ketentuan perundang-undangan yang berlaku, Perseroan Company provides remuneration for the lowest employee
memberikan remunerasi kepada karyawan golongan tier above the minimum wage set by the government.
terendah diatas UMR yang ditetapkan oleh Pemerintah.
Perbandingan remunerasi karyawan terendah terhadap The comparison of the lowest employee remuneration
UMR disajikan pada tabel berikut: against the minimum wage is presented in the
following table:
Tabel Remunerasi Karyawan Terendah dan UMR 2024
Table of Lowest Employee Remuneration and Regional Minimum Wage 2024
Imbal Jasa
Kantor UMR (Rp) Karyawan Tingkat
Provinsi Rasio
No Regional Minimum Terendah (Rp)
Office Province Ratio
Wage (Rp) Lowest Level
Employees’ Fees (Rp)
Kantor Pusat & Cabang Kelapa Gading
1. DKI Jakarta 5.067.381 5.466.597 1.1 : 1
Kelapa Gading Head and Branch office
Cabang Bandung & Cirebon Jawa Barat
2. 4.209.309 5.718.054 1.4 : 1
Bandung & Cirebon Branch Office West Java
Cabang Semarang Jawa Tengah
3. 3.243.969 6.962.800 2.1 : 1
Semarang Branch Office Central Java
Cabang Surabaya Jawa Timur
4. 4.725.479 6.899.300 1.5 : 1
Surabaya Branch Office East Java
Cabang Balikpapan Kalimantan Timur
5. 3.475.595 5.000.000 1.4 : 1
Balikpapan Branch Office East Kalimantan
Cabang Makassar Sulawesi Selatan
6. 3.657.527 6.244.800 1.7 : 1
Makassar Branch Office South Sulawesi
Cabang Lampung
7. Lampung 3.103.631 4.163.200 1.3 : 1
Lampung Branch Office
Cabang Medan Sumatera Utara
8. 2.809.915 6.310.236 2.2 : 1
Medan Branch Office North Sumatera
Cabang Palembang Sumatera Selatan
9. 3.677.591 4.069.406 1.1 : 1
Palembang Branch Office South Sumatera
Cabang Denpasar
10. Bali 3.096.823 5.568.822 1.8 : 1
Denpasar Branch Office
Cabang Pekanbaru
11. Riau 3.451.584 3.880.930 1.1 : 1
Pekanbaru Branch Office
132 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 135
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Selain pemenuhan remunerasi berupa gaji, Perseroan In addition to salary-based remuneration, the Company
juga memberikan kompensasi total tahunan mencakup also provides an annual total compensation package
bonus, pemberian saham, pemberian opsi, kompensasi including bonuses, stock grants, option grants, non-equity
program insentif nonekuitas, perubahan nilai pensiun, incentive program compensation, changes in pension
dan nonqualified deferred compensation earning value, and nonqualified deferred compensation earnings
(pendapatan kompensasi yang ditangguhkan dan belum (compensation income that is deferred and not yet
dapat diperhitungkan sebagai pendapatan) yang diberikan recognized as revenue) granted over a one-year period. This
selama satu tahun. Kebijakan kompensasi tersebut, compensation policy considers the following factors:
mempertimbangkan semua hal berikut:
1. Gaji pokok, yang merupakan jumlah kompensasi tunai 1. Basic salary, which is a fixed (non-variable), short-term,
tetap (non variabel), jangka pendek, dan terjamin; and guaranteed amount of cash compensation;
2. Kompensasi tunai total, yang merupakan jumlah 2. Total cash compensation, which includes basic salary,
gaji pokok dan tunjangan uang tunai, bonus, komisi, cash allowances, bonuses, commissions, profit-sharing
pembagian laba tunai, dan bentuk lain dari variabel in cash, and other forms of variable cash payments;
pembayaran tunai;
3. Kompensasi langsung, yang merupakan jumlah total 3. Direct compensation, which is the total amount of cash
kompensasi tunai dan total nilai wajar semua insentif compensation and the fair value of all annual long-
jangka panjang tahunan (seperti pemberian opsi saham, term incentives (such as stock option grants, restricted
saham atau unit saham terbatas, saham atau unit stock or stock units, performance stock or stock units,
saham kinerja, saham phantom, hak apresiasi saham, phantom stock, stock appreciation rights, and long-term
dan penghargaan tunai jangka panjang). cash awards).
Secara rasio, kompensasi total tahunan yang berlaku di In term of ratio, the total annual compensation
Perseroan tahun 2024 mencapai 772,92%. implemented by the Company in 2024 reached 772.92%.
Perputaran Karyawan [ESG S-03] Employee Turnover [ESG S-03]
Selain melakukan penerimaan karyawan baru di tahun In addition to recruiting new employees in 2024, Tugu
2024, Tugu Insurance juga melakukan pemberhentian Insurance also terminated employment in 2024 with
hubungan kerja di tahun 2024 dengan tingkat pergantian an employee turnover rate of 11.3%. The termination of
pegawai 11,3%. Adapun pemberhentian hubungan kerja employment was carried out for various reasons, such as
dilakukan dengan berbagai sebab, seperti pensiun normal, normal retirement, death, resignation, and other reasons.
meninggal dunia, mengundurkan diri, hingga sebab lainnya.
Tabel Tingkat Pergantian Pegawai 2024
Table of Employee Turnover Rate in 2024
Jumlah Pegawai Persentase Pegawai
Uraian (dalam tahun pelaporan*) (dalam tahun pelaporan)
Description Number of Employees Percentage of Employees
(in reporting year*) (in reporting year)
Jumlah pegawai resign/pemutusan hubungan kerja
53 11,3%
Number of employees who resigned/were terminated
Jumlah pegawai baru/pengganti
63 13,4%
Number of new employees/replacements
*) Jumlah pegawai dalam tahun pelaporan 2024 sebanyak 469 orang
*) The number of employees in the reporting year 2024 was 469 people
Pegawai Sementara [ESG S-04] Temporary Employees [ESG S-04]
Karwayan Tugu Insurance terdiri dari tenaga kerja dengan Tugu Insurance employees consist of workers with
status kepegawaian yaitu: pekerja waktu tidak tertentu employment status, namely: indefinite-term workers
(pekerja tetap), pekerja waktu tertentu (pekerja kontrak), (permanent workers), fixed-term workers (contract workers),
pekerja perbantuan PT Pertamina (Persero), dan pekerja PT Pertamina (Persero) seconded workers, and permanent
tetap yang diperbantukan di entitas anak. Pada periode workers seconded to subsidiaries. In the 2024 reporting
pelaporan tahun 2024, terdapat pegawai yang dipegang period, there were 175 employees held or managed by
atau dikelola oleh kontraktor/konsultan sebanyak 175 contractors/consultants (27.17%).
karyawan (27,17%).
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 133
Page 136
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Tabel Jumlah Karyawan Sementara 2024
Table of Total Temporary Employees in 2024
Jumlah Karyawan Persentase Karyawan
Uraian (dalam tahun pelaporan) (dalam tahun pelaporan)
Description Number of Employees Percentage of Employees (in
(in reporting year) reporting year)
Jumlah Karyawan perusahaan yang dipegang oleh kontraktor dan/atau
konsultan. 175 27,17%
Number of company employees held by contractors and/or consultants.
Lingkungan Kerja yang Layak dan Aman [OJK Decent and Safe Working Environment [OJK
F.21] F.21]
Lingkungan kerja yang baik dapat meningkatkan kinerja A good work environment can increase employee
karyawan, sedangkan lingkungan kerja yang buruk dapat performance, while a poor work environment can decrease
menurunkan kinerja karyawan. Perseroan berkomitmen it. The Company is committed to providing a competitive,
untuk menyediakan lingkungan kerja yang kompetitif, safe, and comfortable workplace in accordance with
aman dan nyaman sesuai kaidah Keselamatan dan Occupational Health and Safety (OHS) principles, thereby
Kesehatan Kerja (K3), sehingga dapat berdampak pada contributing to improved employee performance. This
peningkatan performa dan kinerja karyawan. Komitmen commitment aligns with the provisions of the Minister of
ini, sejalan dengan ketentuan dalam Peraturan Menteri Manpower Regulation No. 5 of 2018, which mandates the
Ketenagakerjaan No. 5 Tahun 2018 yang menyaratkan availability of sanitation facilities and hygiene infrastructure
tersedianya fasilitas kebersihan dan sarana hygiene di in a clean and healthy workplace, as well as OHS personnel
tempat kerja yang bersih sehat, personil K3 yang memiliki with the necessary competence and authority in workplace
kompetensi dan kewenangan K3 di bidang lingkungan safety. Therefore, in this reporting period, OHS issues were
kerja. Oleh karena itu, pada periode pelaporan ini, isu K3 a key topic related to occupational safety and health (GRI
menjadi topik yang perlu untuk disampaikan berkaitan 403).
dengan keselamatan dan kesehatan kerja (GRI 403).
Perseroan terus melakukan berbagai upaya untuk The Company consistently makes various efforts to create
mewujudkan lingkungan kerja yang aman dan sehat, a safe and healthy work environment, including by ensuring
antara lain dengan memastikan setiap prosedur dan that every procedure and work instruction is carried out
tahapan kerja dilaksanakan sesuai aturan dan pedoman in line with the rules and guidelines of the Occupational
Sistem Manajemen Keselamatan dan Kesehatan Kerja Health and Safety Management System (OHSMS). This
(SMK3). Hal ini berlaku bagi seluruh pihak yang terlibat applies to all parties involved in the Company’s operations
dalam operasional dan rantai bisnis Perseroan, termasuk and business chain, including employees, management,
karyawan, manajemen, mitra kerja, hingga konsumen business partners, and consumers or customers.
atau pelanggan.
Perseroan melakukan berbagai upaya untuk mewujudkan The Company took various efforts to create a safe and
lingkungan kerja yang aman dan sehat, salah satunya healthy work environment, one of which was ensuring
dengan memastikan terlaksananya setiap prosedur that every procedure and work phase was carried out in
dan tahapan kerja sesuai aturan dan pedoman Sistem accordance with the regulations and guidelines of the
Manajemen Keselamatan dan Kesehatan Kerja (SMK3) Occupational Safety and Health Management System
sebagaimana diatur dalam Surat Keputusan Direksi No. (SMK3) guidelines as regulated in the Board of Directors’
15/SKD/05/LEC-ATPI/VIII/2023. Hal itu berlaku untuk Decision No. 15/SKD/05/LEC-ATPI/VIII/2023. This applied
semua pihak yang terlibat dalam operasional dan mata to all parties involved in the Company’s operations and
rantai Perseroan, mulai dari karyawan, manajemen, mitra supply chain, including employees, management, business
kerja, hingga konsumen/pelanggan. [ESG S-11] partners, and consumers/customers. [ESG S-11]
Pemantauan dan evaluasi atas penerapan SMK3 dilakukan OHSMS implementation is continuously monitored and
secara berkelanjutan oleh fungsi HSSE & Operation. Fungsi evaluated by the HSSE & Operation function. HSSE
HSSE & Operation melakukan pemantauan pelaksanaan & Operation function monitored OHS implementation,
K3, fasilitas kerja terkait kebutuhan K3, dan monitoring workplace facilities related to OHS requirements, and
tingkat kecelakaan kerja. Hasil evaluasi dilaporkan kepada occupational accident rates. The evaluation results were
manajemen untuk perbaikan pelaksanaan K3 pada periode reported to management to improve OHS implementation
berikutnya. [GRI 3-3] for the next period. [GRI 3-3]
134 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 137
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Sistem Manajemen Keselamatan dan Kesehatan Occupational Safety and Health Management
Kerja [GRI 403-1] System [GRI 403-1]
Tugu Insurance telah menerapkan Sistem Manajemen Tugu Insurance applies an Occupational Health and Safety
Keselamatan dan Kesehatan kerja (SMK3) untuk Management System (OHSMS) to ensure occupational
memastikan keselamatan kerja di lingkungan perusahaan. safety within the Company. The implementation of OHSMS
Penerapan SMK3 mengacu pada ketentuan Peraturan refers to the provisions of Government Regulation No. 50
Pemerintah No. 50 Tahun 2012 tentang Penerapan Sistem of 2012 on the Implementation of Occupational Health and
Manajemen Keselamatan dan Kesehatan Kerja dan Safety Management System and Minister of Manpower
Peraturan Menteri Ketenagakerjaan No. 5 Tahun 2018 Regulation No. 5 of 2018 on Occupational Health and
tentang K3 Lingkungan Kerja. Safety in the Workplace.
Untuk itu, Tugu Insurance telah membentuk tim khusus To support this, Tugu Insurance has established a
yaitu Tim Health, Safety, Security & Environment (HSSE) dedicated team, the Health, Safety, Security & Environment
yang ditetapkan dengan Surat Keputusan Direksi No. 011/ (HSSE) Team, which was established through the Board of
SKD/CSG/TPI/V/2017 tanggal 24 Mei 2017. Ruang Directors’ Decision Letter No. 011/SKD/CSG/TPI/V/2017
lingkup Tim HSSE adalah sebagai berikut: [ESG S-11] dated 24 May 2017. The scope of the HSSE Team’s
workforce is as follows: [ESG S-11]
1. Membuat program kerja Keselamatan dan Kesehatan 1. Developing an Occupational Health and Safety (OHS)
Kerja (K3) dan perencanaan implementasinya; work program and planning its implementation;
2. Melaksanakan dan memastikan pelaksanaan program 2. Implementing and ensuring the eexecution of OHS
K3 serta HSSE sesuai ketentuan, pedoman, dan and HSSE programs in accordance with applicable
peraturan perundangan yang berlaku; provisions, guidelines, laws and regulations;
3. Melakukan promosi/kampanye HSSE dan safety 3. Conducting HSSE promotions/campaigns and safety
communication (safety meeting dan rambu-rambu HSSE) communication (safety meetings and HSSE signage)
kepada karyawan; for employees;
4. Memberikan laporan atas pelaksanaan kegiatan HSSE. 4. Providing reports on the implementation of
HSSE activities.
Pelayanan Kesehatan dan Keselamatan Kerja Occupational Health and Safety Services
Pelayanan kesehatan dan keselamatan kerja merupakan Occupational health and safety services are an integral
cakupan dari penerapan SMK3. Tugu Insurance part of the OHSMS implementation. Tugu Insurance
memberikan perhatian terhadap pentingnya kesehatan emphasizes the importance of employee health and safety
dan keselamatan karyawan dengan melakukan identifikasi by conducting hazard identification, risk assessments,
bahaya, penilaian risiko dan investigasi insiden kecelakaan and occupational accident investigations. Considering its
kerja. Dengan pentingnya hal tersebut, semua karyawan significance, all employees, without exception, are included
tanpa terkecuali menjadi obyek yang tercakup dalam in the occupational health and safety management system.
sistem manajemen keselamatan dan Kesehatan kerja. All employees are entitled to health benefits according to
Semua karyawan berhak mendapatkan manfaat kesehatan their respective grades, such as inpatient and outpatient
sesuai dengan tingkatan (grade) masing-masing, dalam coverage for employees and their families. Meanwhile,
bentuk jaminan rawat inap dan rawat jalan bagi karyawan additional outpatient benefits provided are for glasses,
dan keluarga. Sementara itu, manfaat tambahan yang dental care, and maternity costs including childbirth and
diberikan adalah untuk kacamata, perawatan gigi, jaminan miscarriage. [GRI 403-2, 403-3]
biaya persalinan termasuk melahirkan dan keguguran.
[GRI 403-2, 403-3]
Perseroan juga menyediakan layanan dokter bagi karyawan The Company also provides medical services for employees
dan pemberian fasilitas Medical Check-Up. Fasilitas ini and offers Medical Check-Up (MCU) facilities. These
bertujuan memberikan kesempatan kepada karyawan facilities aim to give employees the opportunity to consult
untuk berkonsultasi dan berkomunikasi tentang kesehatan and communicate about their personal health. During
personal. Pada periode pelaporan, tidak terdapat the reporting period, no occupational diseases were
penyakit yang diakibatkan oleh pekerjaan. Perseroan juga recorded. Additionally, the Company provides a platform
menyediakan sarana bagi karyawan untuk berpartisipasi for employees to participate and communicate regarding
dan berkomunikasi terkait isu perbaikan dalam improvements in creating a workplace that meets health
menciptakan lingkungan yang memenuhi Kesehatan dan and safety standards. [GRI 403-4, 403-6, 403-10]
keselamatan kerja. [GRI 403-4, 403-6, 403-10]
Lebih lanjut, Tugu Insurance menggunakan gedung dengan Furthermore, Tugu Insurance occupies buildings that meet
standar keselamatan tertinggi. Setiap Gedung dilengkapi the highest safety standards. Each building is equipped
dengan perangkat keselamatan seperti Sprinkler otomatis, with safety devices such as automatic sprinklers, hydrant
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 135
Page 138
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Instalasi Hidran, Alat Pemadam Api Ringan (APAR), alat installations, fire extinguishers (APAR), smoke detectors,
pendeteksi asap, tangga darurat dan Peralatan Pertolongan emergency staircases, and first aid equipment. The
Pertama (First Aids). Perseroan melakukan pemeriksaan Company conducts regular inspections to support the
secara rutin untuk mendukung efektifitas penggunaan effective use of these safety devices. [GRI 403-7]
perangkat keselamatan. [GRI 403-7]
Upaya pencegahan dan mitigasi atas risiko keselamatan Prevention and mitigation efforts on occupational health
dan kesehatan kerja dilakukan seperti: pelatihan bagi and safety risks are carried out through various measures,
karyawan mengenai keselamatan dan kesehatan kerja, such as employee training on occupational health and
pelatihan pengoperasian perangkat keselamatan serta safety, training on the operation of safety equipment,
menunjuk penanggung jawab pengelola K3. Secara umum, and the appointment of responsible personnel for OHS
jenis pekerjaan di Perseroan tidak memiliki risiko fatalitas management. Generally, the types of jobs within the
dan konsekuensi tinggi. Oleh karena itu, pada periode Company do not pose fatal risks or high consequences.
pelaporan juga tidak terdapat insiden berupa kecelakaan Therefore, during the reporting period, no occupational
kerja. Dukungan kebijakan yang relevan dengan K3 lainnya, accidents occurred. As part of its support for other relevant
Tugu Insurance telah mengikutsertakan semua karyawan OHS policies, Tugu Insurance has enrolled all employees
(100%) pada program BPJS Ketenagakerjaan dan BPJS (100%) in BPJS Employment and BPJS Health programs.
Kesehatan. [GRI 403-5, 403-7, 403-8, 403-9] [GRI 403-5, 403-7, 403-8, 403-9]
Tabel Jumlah Kecelakaan Kerja 2024 [ESG S-06]
Table of Total Occupational Accidents in 2024 [ESG S-06]
Persentase Kecelakaan Kerja Serius yang Berakibat
Frekuensi Kecelakaan Kerja dari Total Pegawai
Cedera dan Fatal dari Total Pegawai
Frequency of Occupational Accidents from Total Employees
Frequency of Occupational Accidents from Total Employees
0 0%
Pelatihan dan Pengembangan [OJK F.22] Training and Development [OJK F.22]
Pelatihan dan pengembangan kompetensi karyawan Employee training and competency development are crucial
merupakan faktor penting yang dapat meningkatkan factors in enhancing the Company’s performance. Proper
kinerja perusahaan. Pelatihan dan kompetensi yang baik training and skills development help employees work more
dapat membantu karyawan bekerja lebih efisien dan efficiently and effectively, leading to high-quality products
efektif, sehingga menghasilkan produk atau layanan yang or services. Tugu Insurance believes that strategic policies
berkualitas. Tugu Insurance menyakini kebijakan strategis aimed at improving employee capacity and capabilities
dalam meningkatkan kapasitas dan kapabilitas karyawan will provide substansial contribution to the Company’s
yang pada akhirnya memberi kontribusi substansial bagi progress. The Company places great emphasis on training
kemajuan Perseroan. Perseroan memberikan perhatian and competency development by providing professional
serius dengan mengadakan pelatihan dan pengembangan training, certifications, and initiatives to boost employee
kompetensi, seperti pelatihan profesional, sertifikasi, serta motivation. As a result, employee development was a key
peningkatan motivasi karyawan. Hal ini juga menjadikan topic during the reporting period, particularly concerning
isu karyawan yang perlu untuk dikemukakan pada training and education. [GRI 404]
periode pelaporan terutama terkait dengan pelatihan dan
pendidikan. [GRI 404]
Tugu Insurance memberi kesempatan kepada seluruh insan Tugu Insurance provides opportunities for all employees
Perseroan untuk melanjutkan pendidikan, mendapatkan to pursue further education, receive promotions, develop
promosi, mengembangkan karir dan memperoleh berbagai their careers, and obtain various other rights outlined
hak lainnya yang tercantum dalam Perjanjian Kerja Bersama in the Collective Labor Agreement (PKB) in accordance
(PKB) sesuai peraturan dan perundangan yang berlaku. with applicable laws and regulations. This initiative also
Hal ini juga bertujuan untuk meningkatkan kepuasan dan aimed at improving employee satisfaction and loyalty to
loyalitas karyawan pada Perseroan. the Company.
Secara berkala, Perseroan mengevaluasi berbagai program The Company periodically evaluates various ongoing
pelatihan dan pengembangan kompetensi karyawan yang employee training and competency development programs
sudah berjalan untuk perbaikan bagi perencanaan periode to improve planning for the next period. Through this
berikutnya. Melalui mekanisme seperti itu, Perseroan mechanism, the Company is optimistic about fostering
optimistis bisa menghadirkan karyawan andal, memiliki skilled employees with strong capacity, dedication, and
kapasitas, dedikasi dan loyalitas sehingga bisa menjadi loyalty, enabling them to become the backbone of the
tulang punggung perusahaan. [GRI 3-3] Company. [GRI 3-3]
136 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 139
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Rata-rata Jam Pelatihan Per Tahun Per Karyawan Average Annual Training Hours per Employee
Tugu Insurance telah mengikutsertakan karyawan pada Tugu Insurance enrolls its employees in various types of
beragam jenis pelatihan untuk memenuhi kebutuhan training programs to meet human resource competency
kompetensi SDM. Pelaksanaan pelatihan dilakukan needs. Training sessions are conducted either in-person or
dengan model tatap muka atau virtual sesuai dengan virtually, depending on the circumstances. In 2024, a total
kondisi. Selama tahun 2024, terdapat penyelenggaraan of 250 training and education programs were organized,
pendidikan dan pelatihan sebanyak 250 program, dengan involving 464 employees, with an average of 53.96
jumlah peserta sebanyak 464 karyawan dan rata-rata jam training hours per employee. The training and competency
pelatihan mencapai 53,96 jam per karyawan. Pelatihan dan development covered knowledge and skills relevant to each
pengembangan kompetensi mencakup pengetahuan dan work unit’s needs, as well as sustainable finance topics,
keterampilan sesuai dengan kebutuhan unit kerja masing- including environmental, economic, social, and governance
masing, dan topik keuangan keberlanjutan yang meliputi aspects. [GRI 404-1]
topik-topik lingkungan, ekonomi, sosial, dan tata kelola.
[GRI 404-1]
Tabel rata-rata pelatihan 2024
Table of training average 2024
Rata-Rata Pelatihan per
Keterangan Jumlah Karyawan Jam Pelatihan
karyawan
Description Number of Employee Training Hours
Average Training per Employee
Jenis Kelamin
Gender
Laki-laki
285 7.245 25,42
Male
Perempuan
179 5.201 28,54
Female
Jumlah
464 12.446 53,96
Total
Kategori
Category
Tetap
351 9.362 26,67
Permanent
Kontrak
113 3.084 27,29
Contractual
Jumlah
464 12.446 53,96
Total
Tabel Pelatihan dan Pengembangan Pegawai 2024 [ESG S-05]
Table of Employee Training and Development in 2024 [ESG S-05]
Jumlah Pegawai yang Ikut dalam Persentase Jumlah Pegawai yang Ikut
Rata-rata Jam Pelatihan per Pegawai Pelatihan (Orang) Pelatihan
Average Training Hours per Employee Number of Employees Participating in Percentage of Total Employees
Training (Person) Participating in Training
53,96 jam/pegawai | hour/employee 464 98,93%
Program Keterampilan Karyawan dan Program Employee Skills Program and Transition
Bantuan Peralihan Assistance Program
Pemberian bantuan alih daya untuk karyawan pensiun The provision of transition assistance for retired employees
diatur dalam Pasal 56 PP 35/2021, bahwa karyawan is regulated under Article 56 of Government Regulation
yang pensiun berhak mendapatkan uang pesangon, uang No. 35/2021, stating that retired employees are entitled
penghargaan masa kerja, dan uang penggantian hak. to severance pay, long-service appreciation money, and
Bantuan tersebut bertujuan membantu karyawan untuk compensation for rights. This assistance aims to help
memiliki kemandirian finansial di masa tua. employees achieve financial independence in their
retirement years.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 137
Page 140
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Menindaklanjuti hal tersebut, Perseroan memberikan In response to this, the Company provides appreciation
apresiasi dan penghargaan kepada para karyawan yang and recognition to employees who have dedicated
telah mendedikasikan dirinya hingga menjelang masa themselves until nearing retirement by offering various
pensiun dengan beragam pelatihan sebagai bekal dan training programs as preparation for their retirement.
persiapan pensiun. Ketentuan usia pensiun Tugu Insurance The retirement age at Tugu Insurance is set at 55 years,
adalah 55 tahun sesuai peraturan perundangan-undangan. in accordance with applicable laws and regulations.
Adapun, jenis program pelatihan dan bantuan yang Meanwhile, the types of training programs and assistance
diberikan untuk meningkatkan keterampilan karyawan provided to enhance employees’ skills include training
meliputi Pelatihan dengan cakupan materi antara lain: [GRI covering the following subjects: [GRI 404-2]
404-2]
1. Pengelolaan keuangan di masa purna bakti; 1. Financial management during retirement;
2. Mengelola kesehatan di masa purna bakti; 2. Managing health during retirement;
3. Mengelola psikologis di masa purna bakti. 3. Managing Psychology during retirement.
Penilaian Kinerja Karyawan Employee Performance Assessment
Penilaian kinerja merupakan elemen penting dalam Performance assessment is an important element in
kerangkan Human Capital Management yang bertujuan the Human Capital Management framework that aims to
untuk mengukur, mengevaluasi, dan meningkatkan kinerja measure, evaluate, and improve employee performance
karyawan terhadap target Perusahaan. Penilaian kinerja against the Company’s targets. Performance assessment is
juga berguna untuk mendorong hubungan yang kuat antara also useful for encouraging a strong relationship between
kinerja individu dengan capaian perusahaan, dengan individual performance and company achievements,
memastikan kinerja karyawan memiliki kontribusi yang kuat by ensuring that employee performance has a strong
terhadap pencapaian target strategis Perusahaan. contribution to achieving the Company’s strategic targets.
Sistem penilaian kinerja di Tugu Insurance merupakan The performance assessment system at Tugu Insurance is
proses tahunan yang terdiri atas tahap perencanaan, an annual process consisting of planning, implementation,
pelaksanaan, dan penilaian akhir. Keseluruhan proses ini and final assessment stages. This entire process aims
bertujuan untuk mengukur kinerja karyawan melalui KPI to measure employee performance through KPI (Key
(Key Performance Indicator) yang terdiri atas komponen Performance Indicator), consisting of Balanced Score Card
Balanced Score Card (BSC) serta indikator lainnya (BSC) components and other specified indicators.
yang ditentukan.
Pada tahun 2024, penyusunan KPI individual didasarkan In 2024, individual KPIs are prepared based on the
pada cascading dari KPI Direksi secara kolegial dalam collegial cascading of the Board of Directors’ KPIs within
Lingkup AP Services PT Pertamina (Persero), Rencana Kerja the scope of PT Pertamina (Persero) AP Services, the
dan Anggaran Perusahaan (RKAP) dan hasil Planning Cycle. Company’s Work Plan and Budget (RKAP), and the Planning
Pada akhir tahun, karyawan melakukan penilaian secara Cycle results. At the end of the year, employees conduct
self assessment sesuai dengan KPI dan indikator kinerja a self-assessment in accordance with the KPIs and other
lainnya yang telah disepakati pada tahap perencanaan, performance indicators agreed upon at the planning
dan dilanjutkan dengan penilaian akhir berdasar standar stage, and then, followed by a final assessment based
yang telah ditentukan. Perusahaan berkomitmen untuk on predetermined standards. The Company is committed
melakukan penilaian kerja secara menyeluruh sebagai to conducting a comprehensive work assessment as
bagian dari langkah strategis untuk memetakan kebutuhan part of a strategic step to map out Human Resources
pengembangan Sumber Daya Manusia (SDM) sebagai (HR) development needs as a basis for sustainable HR
dasar perencanaan SDM yang berkelanjutan dan selaras planning in line with the Company’s vision. Based on the
dengan visi Perusahaan. Berdasarkan hasil penilaian assessment results, all employees (100%) receive regular
tersebut, semua karyawan (100%) mendapatkan performance and career development reviews. [GRI 404-3]
peninjauan rutin kinerja dan pengembangan karir.
[GRI 404-3]
Perjanjian Perundingan Kolektif [GRI 2-30] Collective Bargaining Agreement [GRI 2-30]
Hubungan industrial menciptakan kerja sama yang Industrial relations create healthy and harmonious
sehat dan harmonis antara manajemen perusahaan dan cooperation between company management and
karyawan. Hubungan ini diwujudkan dalam perjanjian employees. This relationship is formalized through
perundingan kolektif yang dikenal dengan Perjanjian Kerja collective bargaining agreements, known as the Collective
Bersama (PKB). Labor Agreement (PKB).
138 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 141
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Perseroan memerhatikan setiap hak dasar para The Company respects the fundamental rights of its
karyawannya, sesuai prinsip-prinsip persamaan, keadilan employees, adhering to the principles of equality, fairness,
dan kehormatan. Tugu Insurance menjunjung tinggi and dignity. Tugu Insurance upholds human rights within
penerapan HAM dalam perusahaan, diantaranya kebebasan the Company, including the freedom of association through
berserikat melalui wadah serikat karyawan sebagai sarana employee unions as a means to build industrial relations
membangun hubungan industrial dengan manajemen. with management.
Serikat Karyawan Tugu Insurance telah resmi tercatat Tugu Insurance Workers Union has been officially registered
di Dinas Tenaga Kerja dengan Nomor Bukti Pencatatan: with the Department of Manpower under Registration
04/V/P/III/2001, tanggal pencatatan 8 Maret 2001. Certificate No. 04/V/P/III/2001, The PKB Negotiation
Tim Perunding PKB Periode 2024-2026 pada tahun Team for the 2024-2026 period completed the Collective
2024 telah menyelesaikan perundingan Perjanjian Kerja Labor Agreement negotiations in 2024. The negotiations
Bersama. Hasil perundingan adalah ditandai dengan resulted in the signing of the Collective Labor Agreement
penandatanganan Perjanjian Kerja Bersama tanggal on 11 November 2022, by both parties, which are the
11 November 2024 oleh kedua pihak yaitu pihak Management and Workers Union, has been approved
Manajemen dengan pihak Serikat Karyawan dan telah by the Ministry of Manpower under the Decree of the
disahkan oleh Kementerian Ketenagakerjaan melalui Director General of Industrial Relations and Social
Surat Keputusan Direktur Jenderal Pembinaan Hubungan Security for Workers No. Kep. 4/HI.00.01/00.0000.
Industrial dan Jaminan Sosial Tenaga Kerja No. Kep. 4/ 250107016/P-1/I/2025 dated 24 January 2025.
HI.00.01/00.0000.250107016/P-1/I/2025 pada tanggal
24 Januari 2025.
MASYARAKAT
COMMUNITY
Perusahaan dan masyarakat memiliki hubungan yang erat, The Company and the community have a close relationship,
di mana perusahaan berperan dalam memberdayakan where the Company plays a role in empowering the
masyarakat, sedangkan masyarakat juga dapat terdampak community, while the community can also be affected
atau menjadi objek dari kegiatan perusahaan. Sebagai by or become the object of the Company’s activities. As
penerima manfaat produk atau layanan Perseroan, beneficiaries of the Company’s products or services,
masyarakat berpengaruh dalam pencapaian kinerja the community influences business performance and
dan keberlanjutan usaha. Disisi lain, hadirnya produk sustainability. On the other hand, the presence of
asuransi bertujuan membantu kebutuhan masyarakat insurance products aims to meet the community needs
melalui penyediaan instrumen/fasilitas keuangan. Dengan by providing financial instruments/facilities. Thus, the
demikian, bisnis asuransi berperan turut mengemban insurance business plays a role in sharing risks to ease
risiko untuk meringankan beban masyarakat. Selain dari community burden. Beyond its business aspects, Tugu
aspek usaha, Tugu Insurance juga berpartisipasi aktif Insurance also actively participates in improving the quality
dalam peningkatan kualitas hidup dan pemberdayaan of life and empowering community’s economy through its
ekonomi masyarakat melalui program tanggung jawab corporate social responsibility programs. Tugu Insurance
sosialnya. Keberadaan Tugu Insurance sangat diharapkan is expected to provide the widest possible benefits to
memberikan manfaat yang seluas-luasnya bagi masyarakat, the community while also contributing to the Company’s
di samping turut meningkatkan pertumbuhan kinerja performance growth.
Perseroan.
Oleh karena pentingnya hubungan timbal balik antara Considering the importance of reciprocal relationship
masyarakat dan Perseroan, maka Tugu Insurance between the community and the Company, Tugu Insurance
menjadikan isu masyarakat (GRI 413) sebagai topik yang identified community-related issues (GRI 413) as a key
perlu untuk diungkapkan pada periode pelaporan. topic to be disclosed in the reporting period.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 139
Page 142
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Hubungan timbal balik dalam pengelolaan bisnis dan The reciprocal relationship in business management and
peran Perseroan terhadap masyarakat dituangkan the Company’s role in the community was outlined in the
dalam Surat Keputusan Direksi No. 01/SKD/06/ERL- Board of Directors’ Decision Letter No. 01/SKD/06/ERL-
ATPI/I/2022 tanggal 6 Januari 2022 tentang Penerbitan ATPI/I/2022 6 January 2022, on the Issuance of Corporate
Pedoman Tanggung Jawab Sosial dan Lingkungan Social and Environmental Responsibility Guidelines No.
Perusahaan No. A-001/7100/2021. Dalam rangka A-001/7100/2021. To ensure the effectiveness of this
efektifitas kebijakan ini, Perseroan menunjuk Corporate policy, the Company appointed the Corporate Secretary
Secretary Group yang membawahi fungsi Government, Group, which oversees the Government, PR & CSR
PR & CSR Department untuk bertanggung jawab terhadap Department, to be responsible for the implementation
pelaksanaan strategi dan pengembangan program CSR of strategies and development of CSR programs within
di lingkungan Tugu Insurance, sebagaimana diatur dalam Tugu Insurance, as stipulated in the Corporate Secretary
Pedoman Pengelolaan Corporate Secretary No. A14-001/ Management Guidelines No. A14-001/N00000/2020-S9,
N00000/2020-S9, dan Tata Kerja Organisasi Pelaksanaan the Organizational Work Procedures for Corporate Social
Tanggung Jawab Sosial dan Lingkungan Perusahaan No. and Environmental Responsibility Implementation No.
B-001/7100/2022, serta struktur organisasi TJSL sesuai B-001/7100/2022, and the TJSL organizational structure
Surat Keputusan Direksi No. 169/SKD/04/HCM-OPR/ as per the Board of Directors’ Decision Letter No. 169/
ATPI/2023. Adapun struktur organisasi TJSL dapat dilihat SKD/04/HCM-OPR/ATPI/2023 as follows: [GRI 3-3] [ESG
sebagai berikut: [GRI 3-3] [ESG S-12] S-12]
Presiden Direktur
President Director
Sekretaris Perusahaan
Corporate Secretary
Government, PR & CSR Department
Tugu Insurance juga telah menyusun sebuah “road map” Tugu Insurance has also formulated a “roadmap” or
atau rencana jangka panjang sebagai panduan untuk long-term plan as a guide for building a well-directed and
membangun strategi yang terarah dan berkesinambungan. sustainable strategy. This enables the Company to ensure
Dengan demikian, Perusahaan dapat memastikan effective achievement of CSR goals with a maximum impact
pencapaian tujuan CSR yang efektif dan berdampak on the community. [GRI 3-3]
maksimal kepada masyarakat. [GRI 3-3]
140 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 143
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Visi, Misi dan Strategi TJSL TJSL’s Vision, Mission, and Strategy
Menjadi Perusahaan Asuransi Umum
Visi
VISION
yang memiliki kepedulian sosial tinggi
terhadap masyarakat dan lingkungan
dalam upaya menunjang pertumbuhan
ekonomi nasional berkelanjutan.
Become a General Insurance Company with a high
level of social awareness toward the community and
the environment in an effort to support sustainable
national economic growth.
• Melaksanakan komitmen • Implement corporate
Misi
korporat atas Corporate Social commitment to Corporate Social
Responsibility (CSR)/Tanggung Responsibility (CSR)/Social and
Jawab Sosial dan Lingkungan Environmental Responsibility
yang akan memberikan which will provide added value to
MISSIONS nilai tambah kepada semua
pemangku kepentingan
all stakeholders to support the
Company’s sustainable growth;
(Stakeholders) untuk mendukung
pertumbuhan perusahaan
secara berkesinambungan;
• Melaksanakan tanggung • Carry out corporate responsibility
jawab korporat dan kepedulian as well as social and
sosial serta lingkungan untuk environmental awareness
sebuah peran serta aktif dalam to actively contribute to the
pembangunan masyarakat sustainable development of
Indonesia yang berkelanjutan; Indonesian society;
• Membangun hubungan yang • Build harmonious and
harmonis dan kondusif dengan conducive relationships with
semua pemangku kepentingan all stakeholders to support
(stakeholders) untuk mendukung the achievement of corporate
pencapaian tujuan korporasi objectives, particularly in
terutama dalam membangun enhancing corporate image
citra dan reputasi korporasi. and reputation.
Untuk mewujudkan visi dan misi TJSL tersebut, Perseroan To realize the TJSL vision and mission, the Company has
merumuskan arahan strategis pada pelaksanaan program formulated strategic directives for the implementation of
TJSL yaitu sebagai berikut: the TJSL program as follows:
1. Memberikan kontribusi pada pilar-pilar Bakti Tugu, yang 1. Contributing to Bakti Tugu pillars, which focus on health
berfokus pada bidang kesehatan dan keselamatan, and safety, environment, financial education and literacy,
lingkungan hidup, pendidikan dan literasi keuangan, as well as community empowerment;
serta pemberdayaan masyarakat;
2. Memprioritaskan penerima manfaat atau kontribusi 2. Prioritizing beneficiaries or contributions in areas closest
di sekitar wilayah terdekat operasional Perseroan dan to the Company’s and shareholders’ operations, or
shareholders, ataupun yang berkaitan langsung dengan those directly affected by the Company’s activities,
dampak aktivitas Perseroan, para valued clients maupun valued clients, and key business partners;
mitra bisnis terbaik Perusahaan;
3. Meningkatkan reputasi positif Tugu Insurance, efisiensi 3. Enhancing Tugu Insurance’s positive reputation,
dan pertumbuhan usaha. efficiency, and business growth.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 141
Page 144
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Sebagai sarana perbaikan dan evaluasi terhadap To enhance and evaluate program implementation, the
pelaksanaan program, Perseroan melakukan penilaian/ Company assesses community conditions and needs,
assessment terkait keadaan dan kebutuhan masyarakat, ensuring that all Tugu Insurance CSR initiatives are
sehingga seluruh program CSR Tugu Insurance dapat effectively targeted and maximize their benefits to society.
tepat sasaran dan optimal memberikan nilai manfaat
bagi masyarakat.
Dampak Operasi terhadap Masyarakat [OJK F.23] Impact of Operations on Society [OJK F.23][GRI
[GRI 413-1, 413-2] 413-1, 413-2]
Sebagai perusahaan yang bergerak di industri asuransi, As a company operating in insurance industry, the business
pengelolaan usaha tidak menimbulkan dampak negatif operations do not have a negative impact on society. On
kepada masyarakat. Justru sebaliknya, kehadiran produk the contrary, the presence of Tugu Insurance’s insurance
asuransi dan kegiatan CSR Tugu Insurance memberikan products and CSR activities brings positive effects on
dampak positif bagi perekonomian negara, membantu the national economy, helping to enhance economic
meningkatkan produktivitas ekonomi, mendukung productivity, support economic growth, and provide
pertumbuhan ekonomi, dan menyediakan sumber dana funding sources for investment. In addition to insurance
untuk investasi. Selain produk layanan asuransi, Perseroan services, the Company demonstrates its commitment to
memberikan perhatian dan kepedulian kepada masyarakat society through CSR initiatives under Bakti Tugu (Bersatu
dalam program CSR dengan kegiatan Bakti Tugu (Bersatu Aksi Kepedulian Tugu Insurance/ United Action for Tugu
Aksi Kepedulian Tugu Insurance) meliputi 4 (empat) pilar Insurance) program, which is based on four pillars:
yaitu: 1) Kesehatan dan keselamatan; 2) Lingkungan hidup; 1) Health and safety; 2) Environment; 3) Community
3) Pemberdayaan masyarakat; dan 4) Pendidikan dan Empowerment; and 4) Financial education and literacy.
literasi keuangan. Selain itu, Perseroan juga melakukan Additionally, the Company extends support in the fields of
bantuan dibidang sosial, keagamaan, dan seni budaya. social welfare, religion, and arts and culture.
Jumlah anggaran dana yang tersalurkan melalui program The total budget funds distributed through Bakti Tugu
Bakti Tugu sebesar Rp2,56 miliar yang bersumber dari program amounted to IDR2.56 billion, taken from
anggaran CSR sebesar Rp1,44 miliar dan anggaran HCM CSR budget of IDR1.44 billion and HCM budget of
sebesar Rp1,13 miliar. IDR1.13 billion.
Pilar Kesehatan dan Keselamatan [GRI 203-2] Health and Safety Pillar [GRI 203-2]
Selama periode pelaporan, Tugu Insurance menyediakan During the reporting period, Tugu Insurance provided health
program kesehatan bagi masyarakat. Perseroan telah programs for the community. The Company allocated
mengeluarkan dana untuk kegiatan pilar kesehatan dan IDR464 million for health and safety pillar activities,
keselamatan sebesar Rp464 juta. Program kesehatan including construction of clean water facilities in Gunung
tersebut antara lain, pembangunan fasilitas air bersih di Kidul, Yogyakarta; Jumbara in collaboration with the
Gunung Kidul Yogyakarta, Jumbara bersama PMI Jakarta Indonesian Red Cross (PMI) of Central Jakarta; assistance
Pusat, bantuan teman disabilitas Tuna Ganda, ambulans for individuals with multiple disabilities of Tuna Ganda;
gratis Tugu Insurance, pemberian kaki palsu kepada Tuna free Tugu Insurance ambulance service; prosthetic limb
Daksa, bioskop bisik: Spill the Screen, donor darah dan donations for individuals with physical disabilities of Tuna
bantuan untuk teman disabilitas YPLB Nusantara. Daksa; Bioskop Bisik: Spill the Screen; blood donation; and
support for disabled individuals of YPLB Nusantara.
Sementara itu, untuk membantu penurunan tingkat Meanwhile, to help reduce traffic accident rates, Tugu
kecelakaan lalu lintas, Tugu Insurance menyelenggarakan Insurance organized Cerdas Berkendara (Smart Riding)
program sosialisasi Cerdas Berkendara bersama awareness program in collaboration with motorcycle rider
komunitas pengendara motor dalam kegiatan communities through NgabubuRide event. The following
NgabubuRide. Berikut ini adalah kegiatan yang dilakukan activities were carried out under the Health & Safety Pillar:
dalam Pilar Kesehatan & Keselamatan:
142 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 145
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Tabel Program Pilar Kesehatan & Keselamatan 2024
Table of Health and Safety Pillar Program 2024
Kegiatan Waktu Pelaksanaan
Activities Implementation Time
Pembangunan Fasilitas Air Bersih di Gunung Kidul, Yogyakarta Maret 2024
Construction of Clean Water Facility in Gunung Kidul, Yogyakarta March 2024
Sosialisasi Cerdas Berkendara bersama komunitas pengendara motor dalam kegiatan
NgabubuRide April 2024
Dissemination of 'Cerdas Berkendara' program with motorcycle rider communities in April 2024
NgabubuRide activity
Jumbara bersama PMI Jakarta Pusat Juni 2024
Jumbara with the Indonesian Red Cross (PMI) of Central Jakarta June 2024
Bantuan kesehatan untuk disabilitas Tuna Ganda Oktober 2024
Support for people with multiple disabilities of Tuna Ganda October 2024
Ambulans Gratis Tugu Insurance Oktober 2024
Tugu Insurance Free Ambulance October 2024
Pemberian Kaki Palsu kepada Tuna Daksa Oktober 2024
Prosthetic limb donations for individuals with physical disabilities of Tuna Daksa October 2024
Bantuan paket kesehatan & alat bantu jalan dalam kegiatan Bioskop Bisik: Spill the Screen
November 2024
Health packages & walking aids for activities Bioskop Bisik: Spill the Screen
Donor Darah
November 2024
Blood Donation
Bantuan untuk teman disabilitas YPLB Nusantara Desember 2024
Support for disabled individuals of YPLB Nusantara December 2024
Pilar Lingkungan Hidup Environmental Pillar
Tugu Insurance memberikan dukungan terhadap berbagai Tugu Insurance supports various activities for sustainable
aktivitas untuk pelestarian lingkungan yang berkelanjutan, environmental conservation and undertakes initiatives to
serta melakukan kegiatan-kegiatan guna berkontribusi contribute to addressing climate change and its impacts.
dalam mengatasi perubahan iklim beserta dampaknya. The Company allocated IDR581 million for environmental
Perseroan telah mengeluarkan dana untuk kegiatan pilar pillar activities. Among the initiatives carried out were
lingkungan hidup sebesar Rp581 juta. Di antara kegiatan forest conservation efforts such as mangrove planting, the
yang dilakukan adalah berupa pelestarian hutan seperti development of green open spaces, and participation in
penanaman mangrove, pembangunan ruang terbuka hijau, research and development for hybrid power plants.
partisipasi pada research and development Pembangkit
Listrik Tenaga Hibrida.
Berikut ini adalah kegiatan yang dilakukan dalam Pilar The following activities were carried out under the
Lingkungan Hidup: Environmental Pillar:
Tabel Program Pilar Lingkungan Hidup 2024
Table of Environment Pillar Program 2024
Kegiatan Waktu Pelaksanaan
Activities Implementation Date
Pembangunan Kawasan Hutan Mangrove di Indramayu Februari 2024
Development of Mangrove Forest Area in Indramayu February 2024
Penanaman Mangrove dalam kegiatan Pengabdian Kepada Masyarakat (PKM) STMA Trisakti Juli 2024
Mangrove Planting in the Community Service (PKM) of STMA Trisakti July 2024
Penanaman Mangrove dalam kegiatan BAF Eco Move Mei 2024
Mangrove Planting in BAF Eco Move activity May 2024
Waste Management Program Bank Sampah Emas 06, Jakarta Barat Oktober 2024
Waste Management Program of Bank Sampah Emas 06, West Jakarta October 2024
Pembangunan Ruang Terbuka Hijau di PTU Rawa Bunga Oktober 2024
Development of Green Open Space at PTU Rawa Bunga October 2024
Pameran ESG IHC September 2024
ESG IHC Exhibition September 2024
Penanaman Pohon dalam kegiatan Tugu Green Journey November 2024
Tree Planting in Tugu Green Journey activity November 2024
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 143
Page 146
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Tabel Program Pilar Lingkungan Hidup 2024
Table of Environment Pillar Program 2024
Kegiatan Waktu Pelaksanaan
Activities Implementation Date
Penanaman Pohon di Purwakarta, Jawa Barat November 2024
Tree Planting in Purwakarta, West Java November 2024
Research and development Pembangkit Listrik Tenaga Hibrida dalam kegiatan Pengabdian
Masyarakat PLTH Reducation Project Desember 2024
Research and Development of Hybrid Power Plants during the Community Service activities of December 2024
PLTH Reducation Project
Edukasi lingkungan hidup dalam kegiatan Young Explorer di Pulau Riau Desember 2024
Environmental education in Young Explorer activity on Riau Island December 2024
Pilar Pemberdayaan Masyarakat [GRI 203-1, 203-2] Community Empowerment Pillar [GRI 203-1, 203-2]
Tugu Insurance turut berperan aktif dalam tercapainya Tugu Insurance actively contributes to achieving high-
pertumbuhan ekonomi berkualitas melalui kegiatan quality economic growth through community empowerment
pemberdayaan masyarakat seperti pelatihan bagi petani initiatives, such as training for farmers in mangrove
di kawasan hutan mangrove, pemberdayaan disabilitas, forest areas, disability empowerment programs, and
pelatihan pengelolaan sampah organik. Perseroan telah organic waste management training. The Company
mengeluarkan dana untuk kegiatan pilar pemberdayaan allocated IDR243 million for community empowerment
masyarakat sebesar Rp243 juta. pillar activities.
Kegiatan yang dilakukan dalam Pilar Pemberdayaan The activities carried out under the Community
Masyarakat disajikan dalam tabel berikut: Empowerment Pillar are presented in the following table:
Tabel Program Pilar Pemberdayaan Masyarakat 2024
Table of Community Empowerment Pillar Program 2024
Kegiatan Waktu Pelaksanaan
Activities Implementation Date
Pelatihan Petani Kawasan Hutan Mangrove, Indramayu Februari 2024
Training for Farmers in Mangrove Forest Area, Indramayu February 2024
Pelatihan Pengelolaan Sampah Organik dalam kegiatan Waste Management Program Bank
Sampah Emas 06, Jakarta Barat Oktober 2024
Training of Organic Waste Management in Waste Management Program of Bank Sampah Emas October 2024
06, West Jakarta
Bantuan perlengkapan kelompok seni rebana Hadroh Gunungkidul November 2024
Assistance with equipment for Gunungkidul Hadroh Rebana Arts Group November 2024
Pemberdayaan Petani dalam kegiatan Tugu Green Journey November 2024
Farmer empowerment through Tugu Green Journey activities November 2024
Pemberdayaan Disabilitas dalam kegiatan Playdate with Specials dan Bioskop Bisik November 2024
Disability Empowerment Program in Playdate with Specials and ‘Bioskop Bisik’ activities November 2024
Pilar Pendidikan dan Literasi Keuangan [GRI 203-2] Financial Education and Literacy Pillar [GRI 203-2]
Tugu Insurance mendukung peningkatan kualitas Tugu Insurance supports the improvement of inclusive
pendidikan yang inklusif dan merata serta meningkatkan and equitable education quality while enhancing learning
kesempatan belajar untuk masyarakat. Kegiatan ini opportunities for the community. These initiatives involve
melibatkan kalangan kampus dan sekolah. Perseroan telah universities and schools. The Company allocated IDR804
mengeluarkan dana untuk kegiatan pilar Pendidikan dan million for activities under the Financial Education and
literasi keuangan sebesar Rp804 juta. Selain itu, Perseroan Literacy pillar. Moreover, the Company actively promotes
juga aktif dalam melakukan inklusivitas karyawan melalui employee inclusivity through education and training
pendidikan dan training untuk pengembangan kapasitas programs aimed at capacity development, facilitated by the
karyawan melalui fungsi Human Capital Management. Human Capital Management function.
Berikut ini adalah kegiatan yang dilakukan dalam The following activities were carried out under the Financial
Pilar Pendidikan: Education and Literacy Pillar:
144 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 147
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Tabel Program Pilar Pendidikan dan Literasi Keuangan 2024
Table of Financial Education and Literacy Pillar Program 2024
Kegiatan Waktu Pelaksanaan
Activities Implementation Date
Beasiswa Argacitra untuk 5 mahasiswa selama 12 bulan Februari 2024
Argacitra Scholarship for 5 university students for 12 months February 2024
Beasiswa dalam program Bekerja dan Belajar Maret-Desember 2024
Scholarship for the Working and Learning Program March-December 2024
Relokasi Perpustakaan dan Literasi Keuangan SMAN 1 Sumedang April 2024
Relocation of Library and Financial Literacy of SMAN 1 Sumedang April 2024
Webinar Literasi Keuangan untuk Mahasiswa penerima beasiswa KSE di Indonesia Tahap 2 dan
September dan Oktober 2024
3
September and October 2024
Financial Literacy Webinar for KSE Scholarsip recipient students in Indonesia phase 2 and 3
Funday of Personal Literacy SMAN 12 Surabaya Oktober 2024
Funday of Personal Literacy of State High-Scholl/SMAN 12 Surabaya October 2024
Literasi Keuangan dalam kegiatan IPB Business Fest Oktober 2024
Financial Literacy at IPB Business Fest activity October 2024
Literasi Keuangan dalam kegiatan IPB Ideanation Oktober 2024
Financial Literacy at IPB Ideanation activity October 2024
Oktober 2024
Professional Goes to Campus: Universitas Sriwijaya
October 2024
Oktober 2024
Professional Goes to Campus: Universitas Pertamina Job Fair
October 2024
Bantuan Sosial, Keagamaan, dan Seni Budaya Social, Religious, and Cultural Arts Assistance
Selain program “Bakti Tugu”, Perseroan juga melakukan In addition to “Bakti Tugu” program, the Company also
bantuan di bidang sosial, keagamaan, dan seni budaya. provides assistance in social, religious, and arts and
Selama Kegiatan yang dilakukan berupa pemberian culture sectors. During Ramadan and Eid al-Fitr 1445 H,
bantuan Bakti Sosial Ramadhan dan Idul Fitri 1445 H, dan the Company organized Social Service Aid and Orphan
Santunan Anak Yatim pada Buka Puasa Bersama 1445 H. Donations during the 1445 H Iftar Gathering.
Selain itu, Perseroan memberikan Bantuan kegiatan ISEA Furthermore, the Company provided assistance for ISEA
Story Telling Series 4 untuk Dana Sosial, program perbaikan Story Telling Series 4 for social funds, Al Washiyyah
Sarana dan Prasarana Belajar Al Washiyyah, sumbangan Learning Facilities and Infrastructure Improvement Program,
Pembangunan Yayasan Madinatussalam Asri, dan donasi a donation for the construction of Madinatussalam Asri
Umrah Abi Ikram, serta program Rumah Tahfiz Al-Fatahaiin, Foundation, and Umrah donation for Abi Ikram, as well as
Bengkulu. support for Al-Fatahaiin Tahfiz House program in Bengkulu.
Berikut kegiatan yang dilaksanakan selama tahun 2024: The following are the activities carried out
throughout 2024:
Tabel Program Bantuan Sosial, Keagamaan, dan Seni Budaya 2024 [GRI 203-1]
Table of Social, Religious, and Cultural Arts Assistance Programs 2024 [GRI 203-1]
Kegiatan Waktu Pelaksanaan
Activities Implementation Date
Program Rumah Tahfiz Al-Fatahaiin, Bengkulu Februari 2024
Al-Fatahaiin Tahfiz House program, Bengkulu February 2024
Bakti Sosial Ramadhan 1445 H Maret 2024
Ramadan 1445 H Social Charity March 2024
Partisipasi Kegiatan Seminar Perubahan Iklim Maret 2024
Participation in Climate Change Seminar March 2024
Berbagi Berkah Ramadhan bersama Forum Jurnalis Berbagi Maret 2024
Sharing the Blessings of Ramadan with Forum Jurnalis Berbagi March 2024
Santunan anak yatim dalam acara Buka Puasa Bersama 1445 H Maret 2024
Orphan Assistance Program the 1445 H Iftar Gathering March 2024
Bantuan untuk Lembaga Pendidikan Tahfidz PP Al Washiyyah Mei 2024
Assistance for Tahfidz Education Institution PP Al Washiyyah May 2024
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 145
Page 148
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Tabel Program Bantuan Sosial, Keagamaan, dan Seni Budaya 2024 [GRI 203-1]
Table of Social, Religious, and Cultural Arts Assistance Programs 2024 [GRI 203-1]
Kegiatan Waktu Pelaksanaan
Activities Implementation Date
Bakti Sosial Idul Adha 1445 H Juni 2024
Eid al-Adha 1445 H Social Charity June 2024
Pentas Seni Pancawarna SMAN 81 Juli 2024
Pancawarna Arts Performance at SMAN 81 July 2024
Wakaf Al-Qur’an Oktober 2024
Holy Qoran Endowment October 2024
Bantuan kegiatan ISEA Story Telling Series 4 untuk Dana Sosial Desember 2024
Support for ISEA Story Telling Series 4 for Social Funds December 2024
Perbaikan Sarana dan Prasarana Belajar Lembaga Pendidikan Tahfidz Desember 2024
Improvement of Learning Facilities and Infrastructure at Tahfidz Educational Institution December 2024
Sumbangan Pembangunan Yayasan Madinatussalam Asri Desember 2024
Donation for the Development of Madinatussalam Asri Foundation December 2024
Donasi Umrah untuk masyarakat kurang mampu Desember 2024
Umrah donation for underprivileged people December 2024
Pelaksanaan TJSL terhadap SDGs [OJK F.25] Implementation of TJSL towards SDGs [OJK F.25]
Pelaksanaan program kegiatan Tanggung Jawab Sosial dan The implementation of Social and Environmental
Lingkungan (TJSL) bertujuan untuk mendukung pencapaian Responsibility (TJSL) program aims to support the
Tujuan Pembangunan Berkelanjutan (TPB). Program achievement of the Sustainable Development Goals
Tanggung Jawab Sosial dan Lingkungan yang berkaitan (SDGs). The Social and Environmental Responsibility
dengan proses bisnis, diharapkan juga memberikan nilai program, which is related to business processes, is
tambah bagi masyarakat dan lingkungan. also expected to provide added value for society and
the environment.
Selama periode pelaporan tahun 2024, dengan berbagai During the 2024 reporting period, through various Bakti
kegiatan Bakti Tugu, Perseroan telah berhasil melibatkan Tugu activities, the Company successfully involved and
dan memberikan manfaat kepada lebih dari 9.000 orang provided benefits to more than 9,000 people from various
dari berbagai kelompok masyarakat. Tugu Insurance juga community groups. Tugu Insurance also allocated TJSL
telah merealisasikan dana TJSL, yaitu sebesar Rp1,44 funds, amounting to IDR1.44 billion managed by the
miliar yang dikelola oleh fungsi Government, PR & CSR, Government, PR & CSR function, and IDR1.13 billion
serta Rp1,13 miliar yang dikelola oleh fungsi Human managed by the Human Capital Management function.
Capital Management. Dengan demikian, total realisasi Thus, the total fund allocation realization reached
dana adalah Rp2,56 miliar. IDR2.56 billion.
Kegiatan TJSL terhadap TPB [GRI 413-1]
TJSL Activities on SDGs [GRI 413-1]
Realisasi Dana
TPB Jenis Kegiatan Capaian
No Funds Realized
SDGs Types of Activities Achievement
(Rp/IDR)
1 • TPB 1 Tanpa Kemiskinan Pilar Bakti untuk Realisasi penyaluran dana melalui Penerima manfaat kegiatan
• TPB 3 Kesehatan yang Baik Kesehatan dan fungsi Government, PR & CSR sebesar sebanyak 2.198 orang/
Kesejahteraan Keselamatan Rp315,69 juta sedangkan realisasi peserta.
• SDG 1 No Poverty Pillars of Service for penyaluran dana melalui fungsi Human The beneficiaries of the
• SDG 3 Healthy and Prosperous Health and Safety Capital Management sebesar Rp148,22 activity were 2,198 people/
Life juta sehingga total realisasi dana yang participants
dikeluarkan oleh perseroan adalah
sebesar Rp463,91 juta.
The realization of fund distribution through
the Government, PR & CSR function
amounted to IDR315.69 million, while the
realization of fund distribution through
the Human Capital Management function
reached IDR148.22 million. Thus, the
total fund realization disbursed by the
Company amounted to IDR463.91 million.
146 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 149
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Kegiatan TJSL terhadap TPB [GRI 413-1]
TJSL Activities on SDGs [GRI 413-1]
Realisasi Dana
TPB Jenis Kegiatan Capaian
No Funds Realized
SDGs Types of Activities Achievement
(Rp/IDR)
2 • TPB 6 Air Bersih dan Sanitasi Pilar Bakti untuk Realisasi penyaluran dana oleh perseroan Bibit pohon sebanyak
Layak Lingkungan Hidup melalui fungsi Government, PR & CSR 10.950 telah ditanamkan.
• TPB 11 Kota dan Permukiman Pillars of Service for sebesar Rp380,85 juta sedangkan Planting a total of 10,950
Berkelanjutan the Environment realisasi penyaluran dana melalui fungsi tree seeds.
• TPB 13 Penanganan Perubahan Human Capital Management sebesar
Iklim Rp200,00 juta. Total realisasi dana
• TPB 14 Ekosistem Lautan yang dikeluarkan oleh perseroan adalah
• TPB 15 Ekosistem Daratan sebesar Rp580,85 juta.
• SDG 6 Clean Water and The realization of fund distribution by the
Sanitation Company through the Government, PR &
• SDG 11 Sustainable Cities and CSR function amounted to IDR380.85
Communities million, while the realization of fund
• SDG 13 Climate Action distribution through the Human Capital
• SDG 14 Life Below Water Management function reached IDR200.00
• SDG 15 Life on Land million. Thus, the total fund realization
disbursed by the Company amounted to
IDR580.85 million.
3 • TPB 1 Tanpa Kemiskinan Pilar Bakti untuk Realisasi penyaluran dana oleh perseroan Penerima manfaat kegiatan
• TPB 2 Tanpa Kelaparan Pemberdayaan melalui fungsi Government, PR & CSR sebanyak 205 orang/
• TPB 8 Pekerjaan Layak dan Masyarakat sebesar Rp105,34 juta, sedangkan peserta.
Pertumbuhan Ekonomi Pillars of Service realisasi penyaluran dana melalui fungsi The beneficiaries of the
• TPB 10 Berkurangnya for Community Human Capital Management sebesar activity were 205 people/
Kesenjangan Empowerment Rp137,29 juta sehingga total realisasi participants.
• SDG 1 No Poverty dana yang dikeluarkan oleh perseroan
• SDG 2 Zero Hunger adalah sebesar Rp242,63 juta.
• SDG 8 Decent Work and The realization of fund distribution by the
Economic Growth Company through the Government, PR &
• SDG 10 Reduced Inequalities CSR function amounted to IDR105.34
million, while the realization of fund
distribution through the Human Capital
Management function reached IDR137.29
million. Thus, the total fund realization
disbursed by the Company amounted to
IDR242.63 million.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 147
Page 150
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Kegiatan TJSL terhadap TPB [GRI 413-1]
TJSL Activities on SDGs [GRI 413-1]
Realisasi Dana
TPB Jenis Kegiatan Capaian
No Funds Realized
SDGs Types of Activities Achievement
(Rp/IDR)
4 • TPB 4 Pendidikan Berkualitas Pilar Bakti Untuk Realisasi penyaluran dana melalui Penerima manfaat kegiatan
• TPB 5 Kesetaraan Gender Pendidikan dan fungsi Government, PR & CSR sebesar sebanyak 3.554 orang/
• TPB 8 Pekerjaan Layak dan Literasi Keuangan Rp291,54 juta sedangkan realisasi peserta.
Pertumbuhan Ekonomi Pillar of Service for penyaluran dana melalui fungsi Human The beneficiaries of the
• TPB 10 Berkurangnya Financial Education Capital Management sebesar Rp512,21 activity were 3,554 people/
Kesenjangan and Literacy juta, sehingga total realisasi dana yang participants.
• SDG 4 Quality Education dikeluarkan oleh perseroan adalah
• SDG 5 Gender Equality sebesar Rp803,75 juta.
• SDG 8 Decent Work and The realization of fund distribution through
Economic Growth the Government, PR & CSR function
• SDG 10 Reduced Inequalities amounted to IDR291.54 million, while the
• Life on Land realization of fund distribution through
the Human Capital Management function
reached IDR512.21 million. Thus, the
total fund realization disbursed by the
Company amounted to IDR803.75 million.
5 • TPB 1 Tanpa Kemiskinan Bantuan Sosial, Realisasi penyaluran dana melalui Penerima manfaat kegiatan
• TPB 2 Tanpa Kelaparan Keagamaan, dan Seni fungsi Government, PR & CSR sebesar sebanyak 3.156 orang/
• SDG 1 No Poverty Budaya Rp343,52 juta, sedangkan realisasi peserta.
• SDG 2 Zero Hunger Social, Religious, penyaluran dana melalui fungsi Human The beneficiaries of the
and Cultural Arts Capital Management sebesar Rp128,00 activity were 3,156 people/
Assistance juta, sehingga total realisasi dana yang participants.
dikeluarkan oleh perseroan adalah
sebesar Rp471,52 juta.
The realization of fund distribution through
the Government, PR & CSR function
amounted to IDR343.52 million, while the
realization of fund distribution through
the Human Capital Management function
reached IDR128.00 million. Thus, the
total fund realization disbursed by the
Company amounted to IDR471.52 million.
6 TBP 16 Perdamaian, Keadilan, dan Audit SMAP Realisasi penyaluran dana melalui fungsi
Kelembagaan yang Kuat Surveillance Compliance & Quality Assurance sebesar
SDG 16 Peace, Justice, and Strong SMAP Surveillance Rp133,42 juta.
Institutions Audit The realization of fund distribution through
the Compliance & Quality Assurance
function amounted to IDR133.42 million.
148 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 151
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Kegiatan TJSL terhadap TPB [GRI 413-1]
TJSL Activities on SDGs [GRI 413-1]
Realisasi Dana
TPB Jenis Kegiatan Capaian
No Funds Realized
SDGs Types of Activities Achievement
(Rp/IDR)
Realisasi penyaluran dana melalui Penerima manfaat kegiatan
fungsi Government, PR & CSR sebesar sebanyak 9,750 orang/
Rp1,44 miliar, realisasi penyaluran peserta.
dana melalui fungsi Human Capital
Management sebesar Rp1,13 miliar, dan Penanaman sebanyak
Realisasi penyaluran dana melalui fungsi 10.950 bibit pohon.
Compliance & Quality Assurance sebesar
Rp133,42 juta. Sehingga total realisasi The beneficiaries of the
dana yang dikeluarkan oleh perseroan activity were 9,750 people/
adalah sebesar RP2,69 miliar. participants.
Capaian Realisasi TJSL
The realization of fund distribution through
TJSL’s Realization Achievements
the Government, PR & CSR function Planting of 10,950 tree
amounted to IDR1.44 billion, while the seedlings
realization of fund distribution through
the Human Capital Management function
amounted to IDR1.13 billion, and the
realization of fund distribution through the
Compliance & Quality Assurance function
amounted to IDR133.42 million. Thus,
the total realized funds disbursed by the
Company amounted to IDR2.69 billion.
Mekanisme dan Jumlah Pengaduan Masyarakat Mechanism and Number of Public Complaint
[OJK F.24] [OJK F.24]
Untuk meningkatkan kepercayaan publik dan citra In order to enhance public trust and foster a positive
positif perusahaan, Tugu Insurance memastikan bahwa corporate image, Tugu Insurance ensures that any reported
pengaduan atas pelanggaran yang telah diterima akan violations are promptly addressed. The Company provides
ditangani secepatnya. Perseroan menyediakan saluran/ channels and platforms to accommodate reports of
wadah untuk menampung pelaporan dugaan kecurangan, suspected fraud, violations of the code of conduct, and
pelanggaran atas terhadap kode etik, tata kelola corporate governance whether from internal stakeholders,
perusahaan, baik dari internal Perusahaan, konsumen customers, or the general public.
maupun masyarakat umum.
Masyarakat dan Insan Tugu Insurance dapat melakukan The public and Tugu Insurance personnel can report
pelaporan atas dugaan pelanggaran peraturan atau suspected regulatory violations or fraudulent activities
kecurangan melalui saluran Whistle Blowing System (WBS). through the Whistle Blowing System (WBS). In 2024,
Selama tahun 2024, terdapat pengaduan yang diterima the Company received complaints through the WBS
oleh Perusahaan melalui saluran WBS dan seluruh channel, all of which had been followed up. All Tugu
pengaduan yang diterima telah ditindaklanjuti. Segenap Insurance personnel continuously uphold the WBS as
Insan Tugu Insurance senantiasa menjadikan WBS sebagai a key control and mitigation function against risks and
salah satu fungsi kontrol dan mitigasi terhadap risiko dan potential violations.
potensi pelanggaran.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 149
Page 152
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
TANGGUNG JAWAB TERHADAP KONSUMEN DAN PENGEMBANGAN PRODUK
RESPONSIBILITY FOR THE CUSTOMERS AND PRODUCT DEVELOPMENT
Tugu Insurance sangat memperhatikan kualitas produk Tugu Insurance seriously pays attention to the quality of
dan layanan asuransi untuk menjaga kepuasan pelanggan its insurance products and services to maintain customer
dan kepercayaan masyarakat. Bersama itu, Tugu Insurance satisfaction and public trust. Thus, Tugu Insurance
terus meningkatkan kinerja dengan mengoptimalkan continues to enhance its performance by optimizing
produk dan layanan untuk memenuhi kebutuhan serta products and services to meet customer needs and
meningkatkan loyalitas pelanggan. Selain itu, Perseroan increase loyalty. Additionally, the Company develops
mengembangkan produk dan layanan berbasis aplikasi application or web-based products and services to provide
atau web untuk memberikan kemudahan dan kenyamanan convenience and ease for customers.
bagi pelanggan.
Pembaharuan aplikasi layanan bertujuan untuk membuat The service application updates aim to simplify customer
transaksi pelanggan lebih mudah dengan fitur berbasis web transactions with web-based features that are easily
yang mudah diakses melalui ponsel. Sementara, sesuai accessible via mobile phones. Meanwhile, in line with the
dengan strategi bisnis perusahaan, Tugu Insurance secara Company’s business strategy, Tugu Insurance is gradually
bertahap melakukan penyesuaian jaringan kantor cabang adjusting its branch office and sales office network.
dan kantor penjualan.
Komitmen untuk Memberikan Layanan atas Commitment to Providing Services for Equal
Produk dan/atau Jasa yang Setara kepada Products and/or Services to Consumers [OJK
Konsumen [OJK F.17] F.17]
Tugu Insurance memastikan terpenuhinya layanan atas Tugu Insurance ensures fulfillment of equal products and/
produk dan/atau jasa yang setara kepada konsumen or services standards for consumers by providing clear
dengan memberikan informasi yang jelas mengenai produk information on its insurance products and services in
dan layanan asuransi dalam bentuk Ringkasan Informasi the form of a Product and Service Information Summary
Produk dan Layanan (RIPLAY). Hal ini sejalan dengan (RIPLAY). This is in line with OJK Regulation No. 6/
ketentuan Peraturan OJK No. 6 /POJK.07/2022 tentang POJK.07/2022 on Consumer and Community Protection
Perlindungan Konsumen dan Masyarakat di Sektor Jasa in the Financial Services Sector, which requires financial
Keuangan. Ketentuan ini mewajibkan kepada pelaku usaha service providers to grant equal access to all consumers
jasa keuangan untuk memberikan akses yang setara according to their classification.
kepada setiap konsumen sesuai klasifikasinya.
Selain itu, Perseroan telah memiliki program yang terkait Furthermore, the Company has implemented programs
dengan berbagai aktivitas maupun penyediaan materi related to various activities and the provision of detailed
informasi mengenai seluruh produk dan layanan yang material information on all its products and services.
dimiliki secara terperinci.
Perseroan juga mempunyai Pedoman Sistematika Etika The Company also has a Systematic Guideline for Business
Usaha dan Tata Perilaku (Code of Conduct atau CoC) Ethics and Code of Conduct (Code of Conduct or CoC) in
sesuai Surat Keputusan Direksi No. 67/SKD/06/ERL- accordance with the Board of Directors’ Decision No. 67/
ATPI/IX/2021, yang antara lain mengatur tentang Etika SKD/06/ERL-ATPI/IX/2021, which include provisions on
Perseroan dengan pelanggan, yaitu: corporate ethics in dealing with customers, as follows:
150 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
1
Memberikan informasi maupun
iklan/promosi secara sehat, fair,
jujur dan tidak menyesatkan, serta
diterima oleh norma masyarakat.
Affording information and
advertisements/promotions in a healty,
fair and authentic manner which is not
deemed misleading and is acceptable
to the norms of society
2 3
Memberikan pelayanan Memelihara reputasi atau
terbaik bagi pelanggan. Etika Perseroan kepercayaan pelanggan
Providing service dengan pelanggan serta menjaga informasi/
for the customers at its best Company’s Ethics kerahasiaan pelanggan.
with customers Maintaining a good reputation
and the trust of our customers
and also conserving
customers’ information/
confidentiality
Pelaksanaan layanan atas produk dan/atau jasa yang The provision of equal services for products and/or
setara kepada pelanggan mengacu pada Standard services to customers refers to the applicable Standard
Operational Procedure (SOP) yang berlaku. Untuk itu, Tugu Operating Procedure (SOP). As such, Tugu Insurance
Insurance menyiapkan SDM yang berkompeten dengan prepares competent human resources equipped with
dibekali ketrampilan handling pelanggan dan pengetahuan customer handling skills and knowledge of insurance
produk dan layanan asuransi. Selain itu, Tugu Insurance products and services. Moreover, Tugu Insurance
menerapkan kebijakan standar layanan minimum dan enforces a minimum service standard policy and applies
memberlakukan ketentuan kualitas layanan sebagai bagian service quality requirements as part of the performance
dari penilaian kinerja mereka (Key Performance Indicator/ assessment (Key Performance Indicator/KPI).
KPI).
Menjaga Mutu Sesuai Regulasi dan Standar [OJK Maintaining Quality According to Regulations
F.27] [OJK F.28] and Standards [OJK F.27][OJK F.28]
Upaya yang dilakukan dalam menjaga mutu layanan, Tugu As an effort to maintain service quality, Tugu Insurance
Insurance memberlakukan penerapan standar manajemen implements quality management standards.
mutu.
Beragam strategi yang dilakukan Tugu Insurance untuk Various strategies are carried out by Tugu Insurance to
menjaga kualitas layanan produk dan jasa yang prima, yang ensure excellent product quality and services, as outlined
tertuang dalam 5 (lima) Pilar Strategi: in the 5 (five) Strategic Pillars:
1. Growth of Business; 1. Growth of Business;
2. Corporate Action by Reinvestment; 2. Corporate Action by Reinvestment;
3. Asset Transformation; 3. Asset Transformation;
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 151
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01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
4. People Transformation; 4. People Transformation;
5. Process Transformation & Risk Management. 5. Process Transformation & Risk Management.
Selain kelima pilar strategi tersebut diatas, Tugu Insurance In addition to the five pillars of the strategy above, Tugu
menyediakan layanan informasi dan pengaduan sebagai Insurance provides an information and complaint service
wujud keterbukaan Perusahaan terhadap kritik dan saran as a demonstration of the Company’s transparency in
dari seluruh pemangku kepentingan. Hal ini diperkuat accepting feedback and suggestions from all stakeholders.
dengan terbitnya Peraturan Direksi No. A/006/9100/2016 This commitment is reinforced by the issuance of the
rev-0 tentang Pedoman Pengaduan Pelanggan Tugu Board of Directors Regulation No. A/006/9100/2016 rev-0
Insurance. Pusat layanan informasi dan pengaduan dapat on Tugu Insurance’s Customer Complaint Guidelines. The
diakses melalui Call TIA (Tugu Insurance Assistance) information and complaint service center can be accessed
Pelayanan Pelanggan Tersedia 24 jam 7 hari melalui “Call through Call TIA (Tugu Insurance Assistance). Customer
TIA” 1500 458, via WhatsApp 0811 97 900 100 dan service is available 24/7 via Call TIA at 1500 458,
email ke calltia@tugu.com. Saat semua terlelap, Call TIA WhatsApp at 0811 97 900 100, and email at calltia@tugu.
selalu terjaga untuk melayani kebutuhan informasi produk, com. While others sleep, Call TIA remains vigilant, ready to
layanan polis asuransi, lapor klaim, hingga bantuan darurat assist with product information, insurance policy services,
di jalan raya. claim reporting, and even emergency roadside assistance.
Tugu Insurance juga memberikan akses kepada para Tugu Insurance enables customers to reach the Company
pelanggan untuk menulis e-mail yang ditujukan kepada directly via email at calltia@tugu.com. Any inquiries,
Perusahaan melalui calltia@tugu.com. Seluruh pertanyaan, complaints, or feedback from customers and stakeholders
keluhan ataupun masukan dari pelanggan serta pemangku regarding Tugu Insurance’s products and services will be
kepentingan lainnya yang berhubungan dengan produk promptly handled through these communication channels.
dan layanan Tugu Insurance akan dilayani dengan segera
melalui jalur-jalur tersebut.
Tahapan dari mulai penerimaan pengaduan hingga The stages from receiving a complaint to its resolution are
penyelesaian pengaduan adalah sebagai berikut: as follows:
1 2 3 4
Diteruskan ke
Penyelesaian
Pengaduan Masuk Diterima oleh PIC User Terkait
Pengaduan
Complaint Sent Received by PIC Forwarded to Related
Complaint Sent
User
Kemudahaan Akses Informasi & Jaringan Ease of Access to Information and Network
Dengan perkembangan teknologi digital, Tugu Insurance As digital technology continues to evolve, Tugu Insurance
memastikan terpenuhinya kemudahaan akses informasi ensures seamless virtual access to information through a
secara virtual melalui layanan informasi yang lengkap comprehensive website with real-time updates. Additionally,
dalam laman/website dengan pemutakhiran informasi the Company provides direct or face-to-face information
secara real-time. Selain itu, Perseroan menyediakan access through its network of branch offices and
dukungan kemudahaan akses informasi secara langsung representatives in various cities.
atau tatap muka melalui jaringan infrastruktur kantor
cabang dan perwakilan yang tersedia di beberapa kota.
Tugu Insurance juga melakukan perluasan jaringan dan Tugu Insurance is also expanding its network and
akses dengan kantor pusat di DKI Jakarta dan 14 Kantor accessibility with its headquarters in DKI Jakarta and 14
Cabang di kota-kota besar Indonesia, serta dilengkapi branch offices in major cities across Indonesia. This is
dengan beberapa gerai untuk aktivitas Point of Sales & further supported by several outlets for Point of Sales &
Services (PoSS) yaitu t shop di beberapa titik strategis Services (PoSS), known as t shop, located at strategic
di Indonesia. points throughout Indonesia.
152 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Jaringan ini menjadi bagian dari strategi Tugu Insurance This network is part of Tugu Insurance’s strategy to
dalam menjangkau segmen pelanggan yang lebih luas. reach a broader customer segment. Meanwhile, to
Sementara untuk melanjutkan penetrasi ke market retail, further penetrate the retail market, the Company focuses
Perseroan fokus pada beberapa upaya strategis seperti: on several strategic initiatives, such as developing
pengembangan kerja sama baru dengan dealer multibrand new partnerships with multibrand dealers and leasing
dan leasing yang memiliki portofolio bisnis yang baik companies with strong business portfolios for two-wheel
untuk kendaraan roda dua dan roda empat, membangun and four-wheel vehicles, establishing new energetic agents
agen-agen baru yang enerjik dan fokus pada bisnis retail, dedicated to the retail business, and collaborating with
menjalin kerjasama dengan partner digital. digital partners.
Tugu Insurance juga memperkuat sarana infrastruktur Tugu Insurance also strengthens its infrastructure, including
seperti cabang dan t shop di berbagai kota di Indonesia, branch offices and t shop locations in various cities across
pelayanan Emergency Road Assistance (ERA) yang lebih Indonesia, as well as services such as Emergency Road
dikenal dengan t rex, website, social media, t friends, dan Assistance (ERA), known as t rex, website, social media,
contact center agar kami dapat memberikan pelayanan and applications such as and t friends, along with the
yang terbaik bagi para pelanggan mulai dari proses contact center, to ensure the Company can deliver the
penutupan asuransi hingga klaim. best service to customers, from insurance policy issuance
process to claim handling.
Distribusi dan Jaringan Distribution and Network
Kemudahan akses juga sangat didukung dengan Easy access is also strongly supported by the Company’s
ketersediaan distribusi dan jaringan yang dimiliki oleh extensive distribution network, which includes:
Perseroan yaitu:
1. Memanfaatkan jaringan distribusi retail Pertamina 1. Leveraging Pertamina’s retail distribution network as
sebagai Pusat Penjualan (Point of Sales/PoSS) Tugu Tugu Insurance’s Point of Sales (PoSS)
Insurance
Terus memperluas jaringan distribusi Tugu Insurance Tugu Insurance continues to expand its distribution
dengan memanfaatkan jaringan distribusi retail network by utilizing Pertamina’s retail distribution
pertamina (SPBU) dan pembangunan cabang dan point channels (gas stations) and establishing both physical
of services baik secara fisik ataupun virtual. and virtual branches and points of service.
2. Mengembangkan saluran distribusi virtual 2. Developing virtual distribution channels
Tugu Insurance terus meningkatkan kehadirannya Tugu Insurance consistently enhances its presence to
agar semakin mudah dijangkau oleh masyarakat become more accessible to a wider audience through
luas melalui bauran saluran distribusi mulai dari a mix of distribution channels, including traditional
cabang konvensional, Pusat Penjualan (Point of Sales/ branches, Points of Sales (PoSS), service agents, and
PoSS) and Service Agent hingga saluran distribusi various digital-based distribution platforms. Additionally,
lainnya berbasiskan digital. Produk unggulan asuransi Tugu Insurance’s leading retail insurance products are
ritel Tugu Insurance juga telah tersedia di berbagai now available on multiple digital marketplaces.
digital marketplaces.
3. Mengembangkan sistem keagenan antara agen korporat 3. Developing an agency system, integrating corporate and
dengan agen ritel retail agents
Dalam rangka pengembangan segmen usaha ritel, In order to expand the retail business segment and
dan kaitannya dengan strategi jalur distribusi dan strengthen its distribution and network strategy, Tugu
network, sampai dengan saat ini Tugu Insurance Insurance has established 2 (two) Regional Offices
telah memiliki jaringan 2 (dua) Kantor Regional dan and 30 Points of Sales (PoSS), known as t shop,
30 Kantor Penjualan (PoSS) atau disebut t shop yang across Indonesia. With its extensive experience, Tugu
tersebar di seluruh Indonesia. Dengan pengalamannya Insurance continues to earn the trust of both the public
Tugu Insurance terus dipercaya oleh masyarakat and the government in managing risks associated
dan Pemerintah dalam mengelola risiko atas aset/ with corporate and retail assets or interests. In risk
kepentingannya baik yang bersifat korporasi maupun management, particularly for mega-risk insurance
ritel. Dalam pengelolaan risiko ini, terutama untuk risiko coverage, the Company is supported by leading
pertanggungan yang bersifat mega risk, perusahaan reinsurance companies from both domestic and
mendapat dukungan dari berbagai perusahaan international markets.
reasuransi terkemuka baik dari dalam maupun
luar negeri.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 153
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01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Keunggulan Layanan dan Operasional Service and Operation Excellence
Tugu Insurance melanjutkan pembangunan sistem Tugu Insurance consistently develops an integrated
pelayanan yang terintegrasi baik untuk bisnis korporasi service system for both corporate and retail businesses,
maupun retail, mendirikan call center, melakukan re- establishes a call center, and carries out re-branding
branding dan kampanye jenama (brand campaign) sehingga and brand campaigns to enhance its brand image and
akan meningkatkan citra dan kesadaran akan jenama recognition. The Company also continuously improves the
(brand image & recognition) Tugu Insurance. Perseroan Call Center TIA (Tugu Insurance Assistance) as part of
juga terus menyempurnakan Call Center TIA (Tugu its efforts to grow the business and enhance customer
Insurance Assistance) sebagai upaya peningkatan bisnis service units. In processing claims, particularly third-
bagi perusahaan dan unit pelayanan pelanggan. Dalam party loss compensation, Tugu Insurance ensures a
penyelesaian klaim berupa pembayaran kerugian kepada fast and efficient claims settlement in accordance with
pihak ketiga, Tugu Insurance menyelesaikan klaim secara applicable procedures.
cepat sesuai prosedur yang berlaku.
Ketersediaan Fitur & Platform Aplikasi/Layanan Availability of Application/Service Features &
Platform
Tugu Insurance telah menyediakan informasi detail Tugu Insurance provides detailed information about its
mengenai produk dan layanan termasuk fitur dan platform products and services, including features and application
aplikasi melalui media antara lain: website Perseroan, platforms, through various channels such as the Company’s
customer service di kantor cabang, kantor perwakilan dan website, customer service at branch offices, representative
PoSS (Point of Sales & Service). offices, and Points of Sales & Services (PoSS).
Program Literasi dan Inklusi Keuangan Financial Literacy and Inclusion Program
Melalui program literasi dan inklusi keuangan terhadap Through financial literacy and inclusion programs
produk dan layanan asuransi umum, Tugu Insurance focused on general insurance products and services,
terus memberikan pendidikan kepada masyarakat dan Tugu Insurance consistently educates the public and
pelanggannya. Untuk pengetahuan seputar produk dan its customers. To enhance knowledge about insurance
layanan asuransi, Perseroan menyediakan marketing kit/ products and services, the Company provides marketing
promotional tools seperti situs web perusahaan (www.tugu. kits/promotional tools such as the corporate website (www.
com), profil perusahaan, multimedia, brosur dan leaflet tugu.com), company profile, multimedia materials, product
produk, iklan perusahaan, dan sumber informasi lainnya. brochures and leaflets, corporate advertisements, and
Selain itu, Tugu Insurance menyelenggarakan kegiatan other informational resources. Additionally, Tugu Insurance
seperti bentuk courtesy/client visit & gathering, sosialisasi organizes various activities such as courtesy/client visits &
polis asuransi, training/workshop asuransi. gatherings, insurance policy dissemination, and insurance
training/workshops.
Tugu Insurance juga melakukan promosi yang menjadi Tugu Insurance also conducts promotions as indirect
sarana sosialisasi secara tidak langsung kepada dissemination activities to customers. This soft promotion
pelanggan. Soft promotion ini pun dilakukan untuk terus strategy is organized to continuously enhance customer
meningkatkan brand awareness pelanggan terhadap brand awareness of Tugu Insurance’s products. Additionally,
produk yang Tugu Insurance miliki. Tugu Insurance telah Tugu Insurance equips its employees, particularly those
membekali para pekerja, terutama di bidang pemasaran, in marketing, with in-depth knowledge of its products
dengan pengetahuan tentang produk dan jasa. Pembekalan and services. This training is mandatory and follows the
ini wajib diikuti sesuai dengan ketentuan yang berlaku di Company’s established guidelines, ensuring that employees
Perusahaan, dengan tujuan para pekerja dapat memberikan can provide detailed explanations to customers.
penjelasan secara rinci kepada para pelanggan.
Inovasi dan Pengembangan [OJK F.26] Innovation and Development [OJK F.26]
Tugu Insurance menyediakan solusi keuangan bagi Tugu Insurance provides financial solutions to meet
kebutuhan masyarakat dengan produk asuransi yang public needs through innovative insurance products. This
inovatif. Hal ini sejalan dengan komitmen Perseroan aligns with the Company’s commitment to implementing
dalam mengimplementasikan inisiatif keberlanjutan sustainability initiatives, as outlined in the Sustainable
yang dirumuskan dalam RAKB (Rencana Aksi Keuangan Finance Action Plan (RAKB) in accordance with POJK
Berkelanjutan) sesuai dengan POJK 51/2017, di mana 51/2017, which includes the development of financial
salah satunya mencakup pengembangan produk/jasa products and services. Furthermore, the Company engages
keuangan. Lebih lanjut, Perseroan melakukan beragam in various activities to initiate and develop a sustainable
aktivitas dalam rangka inisiasi dan pengembangan financial product and service portfolio.
portofolio produk dana dan jasa keuangan berkelanjutan.
154 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Perseroan juga memastikan setiap inovasi dan The Company also ensures that every innovation and
pengembangan produk dan layanan telah memenuhi product or service development complies with the
regulasi yang berlaku di Indonesia. Selama tahun 2024, applicable regulations in Indonesia. Throughout 2024,
inovasi dan pengembangan yang telah dilakukan Perseroan the innovations and developments carried out by the
antara lain: Company included:
Asuransi Konvensional Conventional Insurance
1. Tugu Pilot Loss of Licence Insurance; 1. Tugu Pilot Loss of Licence Insurance;
2. Tugu Aviation Hull and Spares War Allied Perils 2. Tugu Aviation Hull and Spares War Allied
Insurance; Perils Insurance;
3. Asuransi Tugu Aviation Excess War, Hi-Jacking and Other 3. Tugu Insurance Aviation Excess War, Hi-Jacking and
Perlis Third Party Liability (EXCESS-AVN52E); Other Perlis Third Party Liability (EXCESS-AVN52E);
4. Asuransi Gempa Bumi TUGU; 4. TUGU Earthquake Insurance;
5. Tugu Seller’s Warranty and Indemnity Insurance; 5. Tugu Seller’s Warranty and Indemnity Insurance;
6. Tugu Buyer’s Warranty and Indemnity Insurance; 6. Tugu Buyer’s Warranty and Indemnity Insurance;
7. Tugu London Standard Drilling Barge Form Insurance; 7. Tugu London Standard Drilling Barge Form Insurance;
8. Tugu Marine and Offshore Equipment Insurance; 8. Tugu Marine and Offshore Equipment Insurance;
9. Tugu Airport Owner and Operator Liability Insurance; 9. Tugu Airport Owner and Operator Liability Insurance;
10. Tugu Heavy Equipment Insurance; 10. Tugu Heavy Equipment Insurance;
11. Tugu Aviation Refuelling Legal Liability Insurance. 11. Tugu Aviation Refuelling Legal Liability Insurance.
Asuransi Sharia Sharia Insurance
1. Asuransi Mikro t micro sharía; 1. t micro sharia microinsurance;
2. Asuransi Perjalanan t travella sharía; 2. t travella sharia travel Insurance;
3. Asuransi Gempa Bumi Sharia; 3. Sharia Earthquake Insurance;
4. Asuransi t Medical Malpractice Sharia. 4. t Medical Malpractice Sharia Insurance.
Evaluasi Produk/Layanan dan Mitigasi Product/Service Evaluation and Impact
Penanggulangan Dampaknya [OJK F.27, F.28, Mitigation [OJK F.27, F.28, F.29]
F.29]
Tugu Insurance melakukan review dan evaluasi sebagai Tugu Insurance conducts reviews and evaluations as
salah satu bentuk pengelolaan/mitigasi risiko terhadap part of its risk management/mitigation measures for the
penerbitan produk dan layanan baru. Prosedur review dan issuance of new products and services. The review and
evaluasi dijalankan untuk memastikan proses peluncuran evaluation procedures are implemented to ensure that the
produk telah diterapkan sesuai dengan pengajuan usulan product launch process aligns with the approved product/
produk/layanan yang disetujui manajemen. Untuk itu, service proposals submitted to management. Therefore,
unit kerja yang meluncurkan produk atau layanan baru the business units responsible for launching new products
wajib melaksanakan review dan evaluasi dan memastikan or services are required to conduct reviews and evaluations
seluruh produk dan layanan baru telah ditinjau dan to ensure that all new products and services have been
dievaluasi keamanannya bagi pelanggan. Selama tahun assessed for their safety and suitability for customers.
2024, tidak terdapat produk dan layanan yang ditarik Throughout 2024, no products or services were recalled.
kembali penggunaannya.
Survei Kepuasan Pelanggan [OJK F.30] Customer Satisfaction Survey [OJK F.30]
Tugu Insurance melakukan survei kepuasan pelanggan Tugu Insurance regularly conducts customer satisfaction
secara berkala agar mendapatkan input bagi perbaikan surveys to gather feedback for improving service quality
kualitas layanan menuju Product and Service Excellence. and achieving Product and Service Excellence. During
Pada periode pelaporan, Tugu Insurance mengukur tingkat the reporting period, Tugu Insurance assessed customer
kepuasan pelanggan di seluruh lini yang melibatkan satisfaction levels across all business lines, involving
berbagai segmen pelanggan. various customer segments.
Secara berkala, Tugu Insurance mengadakan Survei The Company also periodically organized the Customer
Loyalitas dan Kepuasan Pelanggan (Customer Loyalty & Loyalty & Customer Satisfaction Survey (CSLS).
Customer Satisfaction Survey/CSLS).
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 155
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01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Survei loyalitas pelanggan mengukur retensi di mana The customer loyalty survey measures customer retention,
pelanggan melakukan pembelian ulang suatu produk assessing whether customers continue repurchasing
tertentu saat ini, daripada memilih jenama pesaing sebagai a specific product instead of choosing a competitor’s
gantinya atau mempergunakan layanan mereka saat ini brand or opting for alternative services. Customer loyalty
daripada memilih layanan yang lainnya. Loyalitas pelanggan also includes attitude aspects, reflecting customers’
termasuk sikap di mana penilaian dan persepsi pelanggan assessments and perceptions of a product, service,
tentang suatu produk, layanan, relasi, pengalaman, relationship, experience, expectations, or corporate
harapan, ataupun jenama korporat (corporate brand) yang brand, which influence repeat purchases and willingness
terkait dengan pembelian berulang hingga kesediaan to provide referrals to others. Meanwhile, the Customer
memberikan referensi terhadap pihak lainnya. Adapun Satisfaction Survey serves as a parameter to measure
Survei Kepuasan Pelanggan merupakan parameter level customer satisfaction levels with the products and services
kepuasan pelanggan terhadap produk maupun layanan received. It also measures the gap between customer
yang diterima, serta untuk mengukur perbandingan antara expectations and their actual experience.
harapan terhadap persepsi pengalaman yang dirasakan.
Hasil pengukuran dari Indeks Kepuasan dan Loyalitas The assessment results of the Customer Satisfaction &
Pelanggan (Customer Satisfaction & Loyalty Index/ Loyalty Index (CSLI) 2024 was 4.42, while the Net Promoter
CSLI) 2024 sebesar 4,42 sedangkan skor Net Promoter Score was 4.57.
mencapai 4,57.
Tabel Survei Kepuasan Pelanggan 2024 [OJK F.30]
Table of Customer Satisfaction Survey 2024 [OJK F.30]
Keterangan Realisasi
Target
Description Realization
Customer Satisfaction Index 4,3 4,42
Customer Loyalty Index 4,3 4,41
Customer Satisfaction & Loyalty Index 4,3 4,415
Net Promotor Score 4,3 4,57
156 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Verifikasi Tertulis dari Pihak Independen (G.1)
Independent Party Written Verification (G.1)
Tugu Insurance belum menugaskan pihak independen dari Tugu Insurance has not appointed an external independent
eksternal untuk melakukan jasa assurance atas Laporan party to provide assurance service for the 2024
Keberlanjutan 2024. Namun demikian, untuk memastikan Sustainability Report. Nevertheless, to ensure the quality
kualitas pelaporan, secara mandiri tim internal melakukan of reporting, an independent internal team has done a
cross-check kesesuaian pengungkapan informasi dengan cross-check to confirm information disclosure with the
ketentuan pada POJK-51/2017 dan persyaratan pelaporan provisions of POJK-51/2017 and the GRI Standard 2021 of
GRI Standard 2021. reporting requirements.
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 157
Page 160
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Lembar Umpan Balik (G.2)
Feedback Sheet (G.2)
Kami mohon kesediaan para pemangku kepentingan untuk We would like to ask all stakeholders to kindly provide
memberikan umpan balik setelah membaca Laporan feedback after reading this sustainability report by sending
Keberlanjutan ini dengan mengirim email atau mengirim email or send this form by fax or mail.
formulir ini melalui fax atau pos.
Profil Anda | Your Profile
Nama (bila berkenan) | Name (if you please) :
Institusi/Perusahaan | Institution/Company :
Email :
Telp/Hp | Phone/Mobile :
Golongan Pemangku Kepentingan | Stakeholders Group
Pemerintah | Government Media
LSM | NGO Akademik | Academic
Perusahaan | Corporate Lain-lain, mohon sebutkan :
Masyarakat | Community Others, please state :
Mohon pilih jawaban yang paling sesuai | Please choose the most appropriate answer
1. Laporan ini bermanfaat bagi Anda:
This report is useful to you:
Sangat Tidak Setuju Tidak Setuju Netral Setuju Sangat Setuju
Strongly Disagree Disagree Neutral Agree Strongly Agree
2. Laporan ini menggambarkan kinerja Perusahaan dalam pembangunan keberlanjutan:
This report describes the Company’s performance in sustainability development:
Sangat Tidak Setuju Tidak Setuju Netral Setuju Sangat Setuju
Strongly Disagree Disagree Neutral Agree Strongly Agree
3. Laporan ini mudah dimengerti:
This report is easy to understand:
Sangat Tidak Setuju Tidak Setuju Netral Setuju Sangat Setuju
Strongly Disagree Disagree Neutral Agree Strongly Agree
4. Laporan ini menarik:
This report is interesting:
Sangat Tidak Setuju Tidak Setuju Netral Setuju Sangat Setuju
Strongly Disagree Disagree Neutral Agree Strongly Agree
158 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 161
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
5. Laporan ini meningkatkan kepercayaan Anda pada keberlanjutan Perusahaan:
This report increases your trust in the Company’s sustainability:
Sangat Tidak Setuju Tidak Setuju Netral Setuju Sangat Setuju
Strongly Disagree Disagree Neutral Agree Strongly Agree
Mohon berkenan mengisi | Please complete the below statements
1. Bagian laporan mana yang paling berguna bagi Anda:
Which part of this report is most useful to you:
2. Bagian laporan mana yang kurang berguna bagi Anda:
Which part of this report is less useful to you:
3. Bagian laporan mana yang paling menarik bagi Anda:
Which part of this report is less useful to you:
4. Bagian laporan mana yang kurang menarik bagi Anda:
Which part of this report is less interesting to you:
5. Mohon berikan saran/usul/komentar Anda atas laporan ini:
Please give us your advice/suggestions/comments on this report:
Terima kasih atas partisipasi Anda. Mohon agar formulir ini dikirimkan kembali kepada:
Thank you for your participation. Kindly send this form to:
PT Asuransi Tugu Pratama Indonesia Tbk
Wisma Tugu 1 CALL TIA - HOTLINE 24 JAM: 1500 458
Jalan H.R. Rasuna Said Kav. C8-9 WA: 0811 97 900 100
Jakarta 12920 Indonesia Email: calltia@tugu.com
Telp: 021-529 61777 (hunting) Website: www.tugu.com
Fax: 021-529 61555; 021-529 62555
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 159
Page 162
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Surat Pernyataan Dewan Komisaris
Statement Letter of Board of Commissioners
Kami yang bertanda tangan di bawah ini menyatakan The undersigned below acknowledge that all information
bahwa semua informasi dalam Laporan Keberlanjutan contained in the 2024 Sustainability Report of PT Asuransi
PT Asuransi Tugu Pratama Indonesia Tbk Tahun 2024 telah Tugu Pratama Indonesia Tbk, has been presented as a
dimuat secara lengkap dan bertanggung jawab penuh atas whole and therefore are accountable for the validity of the
kebenaran isi Laporan Keberlanjutan Perusahaan tersebut. Company’s Sustainability Report.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is made truthfully.
Jakarta, 27 Maret 2025
Jakarta, 27 March 2025
Dewan Komisaris
Board of Commissioners
Abdul Ghofar
Presiden Komisaris & Komisaris Independen
President Commissioner & Independent Commissioner
Bagus Agung Rahadiansyah Samuel Ramna
Komisaris Komisaris
Commissioner Commissioner
Poerwo Tjahjono Tajudin Noor
Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner
160 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 163
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Surat Pernyataan Direksi
Statement Letter of Board of Directors
Kami yang bertanda tangan di bawah ini menyatakan The undersigned below acknowledge that all information
bahwa semua informasi dalam Laporan Keberlanjutan contained in the 2024 Sustainability Report of PT Asuransi
PT Asuransi Tugu Pratama Indonesia Tbk Tahun 2024 telah Tugu Pratama Indonesia Tbk, has been presented as a
dimuat secara lengkap dan bertanggung jawab penuh atas whole and therefore are accountable for the validity of the
kebenaran isi Laporan Keberlanjutan Perusahaan tersebut. Company’s Sustainability Report.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is made truthfully.
Jakarta, 27 Maret 2025
Jakarta, 27 March 2025
Direksi
Board of Directors
Tatang Nurhidayat
Presiden Direktur
President Director
Emil Hakim Ery Widiatmoko
Direktur Keuangan & Layanan Korporat Direktur Pemasaran Asuransi
Finance & Corporate Service Director Insurance Marketing Director
Edi Yoga Prasetyo Sudarlin
Direktur Kepatuhan & Manajemen Risiko Direktur Teknik
Compliance & Risk Management Director Technical Director
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 161
Page 164
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Tanggapan Terhadap Umpan Balik (G.3)
Comments on Feedbacks (G.3)
Selama tahun 2024, Tugu Insurance tidak menerima Tugu Insurance throughout 2024 did not receive any
tanggapan dan umpan balik terhadap Laporan response or feedback on the 2023 Sustainability Report.
Keberlanjutan Tahun 2023. Namun demikian, Perseroan Yet, the Company constantly strives to improve the content
berkomitmen untuk menyempurnakan isi laporan tahun of the 2024 with reference to its sustainability performance
2024 sesuai dengan kinerja keberlanjutan selama during the reporting year.
tahun pelaporan.
Referensi Peraturan POJK No. 51/
POJK.03/2017 & Surat Edaran OJK No. 16/
SEOJK.04/2021 (G.4)
Reference to POJK Regulation No. 51/POJK.03/2017 & OJK
Circular No. 16/SEOJK.04/2021 (G.4)
Uraian Halaman
No
Description Page
STRATEGI KEBERLANJUTAN
4
SUSTAINABILITY STRATEGIES
A.1. Visi dan Misi dalam Implementasi Strategi Berkelanjutan
4
A.1. Vision and Mission in the Implementation of the Sustainability Strategy
A
A.2. Pengelolaan Risiko dan Hasil yang Ingin Dicapai
6
A.2. Risk Management and Expected Results
A.3. Strategi Keberlanjutan dan Hasil yang Ingin Dicapai
8
A.3. Sustainability Strategy and Expected Results
IKHTISAR KINERJA ASPEK KEBERLANJUTAN
14
PERFORMANCE OVERVIEW OF SUSTAINABILITY ASPECTS
B.1. Aspek Ekonomi
16
B.1. Economical Aspect
B
B.2. Aspek Lingkungan Hidup
17
B.2 Environmental Aspect
B.3. Aspek Sosial
18
B.3. Social Aspect
162 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 165
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Uraian Halaman
No
Description Page
PROFIL PERUSAHAAN
40
COMPANY PROFILE
C.1. Visi, Misi, dan Nilai Keberlanjutan
45
C.1. Vision, Mission, and Sustainability Values
C.2 Alamat dan Sejarah Singkat Perusahaan
42
C.2. Company Address and Short History
C.3. Skala Usaha
C 47
C.3 Business Scale
C.4. Produk, Layanan dan Kegiatan Usaha
54
C.4. Products, Services, and Business Activities
C.5. Keanggotaan Asosiasi
57
C.5. Association Membership
C.6. Perubahan Signifikan
58
C.6. Significant Changes
PENJELASAN DIREKSI
20
DIRECTORS’ EXPLANATIONS
D.1. Kebijakan Merespon Tantangan Dalam Strategi Keberlanjutan
23
D.1. Policies to Respond to Challenges in Sustainability Strategies
D
D.2. Penerapan Keuangan Berkelanjutan
25
D.2. Implementation of Sustainable Finance
D.3. Strategi Pencapaian Target
28
D.3. Target Achievement Strategy
TATA KELOLA KEBERLANJUTAN
70
SUSTAINABILITY GOVERNANCE
E.1. Penanggung Jawab Penerapan Keuangan Berkelanjutan
73, 75
E.1. Person-in-Charge for the Implementation of Sustainable Finance
E.2. Pengembangan Kompetensi Keuangan Berkelanjutan
93
E.2. Sustainable Finance Competency Development
E
E.3. Penilaian Risiko atas Penerapan Keuangan Berkelanjutan
96
E.3. Risk Assessment on the Implementation of Sustainable Finance
E.4. Hubungan dengan Pemangku Kepentingan
104
E.4. Stakeholder Relations
E.5. Permasalahan Terhadap Penerapan Keuangan Berkelanjutan
106
E.5. Problems with the Implementation of Sustainable Finance
KINERJA KEBERLANJUTAN
110
SUSTAINABILITY PERFORMANCE
F.1. Kegiatan Membangun Budaya Keberlanjutan
106
F.1. Activities to Build a Culture of Sustainability
Kinerja Ekonomi
112
Economic Performance
F F.2. Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau Investasi, Pendapatan dan Laba
Rugi.
114
F.2. Comparison of Production Target and Performance, Portfolio, Financing Target, or Investment, Income and Profit and
Loss.
F.3. Perbandingan Target dan atau Proyek yang Sejalan dengan Keuangan Berkelanjutan. Kinerja Portofolio, Target
Pembiayaan, atau Investasi pada Instrumen Keuangan
114
F.3. Comparison of Targets and/or Projects That Are In Line with Sustainable Finance. Portfolio Performance, Target
Financing, or Investment in Financial Instruments
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 163
Page 166
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Uraian Halaman
No
Description Page
Kinerja Lingkungan Hidup
118
Environmental Performance
Aspek Umum
General Aspects
F.4. Biaya Lingkungan Hidup
120
F.4. Environmental Cost
Aspek Material
Material Aspects
F.5. Penggunaan Material yang Ramah Lingkungan
120
F.5. Use of Environmentally Friendly Materials
Aspek Energi
Energy Aspects
F.6. Jumlah dan Intensitas Energi yang Digunakan
120
F.6. Amount and Intensity of Energy Used
F.7. Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan
120
F.7. Efforts and Achievements of Energy Efficiency and Use of Renewable Energy
Aspek Air
Water Aspects
F.8. Penggunaan Air
123
F.8. Water usage
Aspek Keanekaragaman Hayati
Biodiversity Aspects
F
F.9. Dampak Wilayah Operasi Terhadap Daerah Konservasi/Keanekaragaman Hayati
123
F.9. Impact of Operational Area on Conservation/Biodiversity Area
F.10. Usaha Konservasi Keanekaragaman Hayati
123
F.10. Biodiversity Conservation Efforts
Aspek Emisi
Emission Aspects
F.11. Jumlah dan Intensitas Emisi
124
F.11. Emission Amount and Intensity
F.12. Upaya dan Pencapaian Pengurangan Emisi
124
F.12. Emission Reduction Efforts and Achievements
Aspek Limbah dan Efluen
Waste and Effluent Aspects
F.13. Jumlah Limbah dan Efluen
128
F.13. Amount of Waste and Effluent
F.14. Mekanisme Pengelolaan Limbah dan Efluen
128
F.14. Waste and Effluent Management Mechanism
F.15. Tumpahan yang Terjadi (jika ada)
128
F.15. Spills that Occur (if any)
Aspek Pengaduan Terkait Lingkungan Hidup
Complaints Related to the Environment Aspects
F.16. Jumlah dan Materi Pengaduan Lingkungan Hidup
128
F.16. Number and Material of Environmental Complaints
164 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 167
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Uraian Halaman
No
Description Page
Kinerja Sosial
Social Performance
F.17. Komitmen untuk Memberikan Layanan atas Produk dan/atau Jasa yang Setara kepada Konsumen
150
F.17. Commitment to Providing Services for Equal Products and/or Services to Consumers
Aspek Ketenagakerjaan
Employment Aspects
F.18. Kesetaraan Kesempatan Kerja
130
F.18. Equal Employment Opportunity
F.19. Tenaga Kerja Anak dan Tenaga Kerja Paksa
131
F.19. Child Labor and Forced Labor
F.20. Upah Minimum Regional
132
F.20. Regional minimum wage
F.21. Lingkungan Kerja yang Layak dan Aman
134
F.21. Decent and Safe Work Environment
F.22. Pelatihan dan Pengembangan
136
F.22. Training and development
Aspek Masyarakat
Community Aspects
F
F.23. Dampak Operasi terhadap masyarakat Sekitar
142
F.23. Impact of Operations on the Surrounding Community
F.24. Mekanisme dan Jumlah Pengaduan Masyarakat
149
F.24. Mechanism and Number of Public Complaints
F.25. TJSL terhadap SDGs
146
F.25. CSR against SDGs
Tanggung Jawab Pengembangan Produk
Product Development Responsibilities
F.26. Inovasi dan Pengembangan
154
F.26. Innovation and Development
F.27. Jumlah dan Persentase Evaluasi Produk yang Dievaluasi
155
F.27. Number and Percentage of Product Evaluations Evaluated
F.28. Dampak Produk dan Mitigasi Penanggulangan
155
F.28. Product Impact and Mitigation Countermeasures
F.29. Jumlah produk yang ditarik Kembali
155
F.29. Number of recalled products
F.30. Survei Kepuasan Pelanggan
155
F.30. Customer satisfaction survey
Lain-lain
Others
G.1. Verifikasi Tertulis dari Pihak Independen (jika ada)
157
G.1. Written Verification from an Independent Party (if any)
G.2. Lembar Umpan Balik
G 158
G.2. Feedback Sheet
G.3. Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan Tahun Sebelumnya
162
G.3. Feedback on Previous Year's Sustainability Report Feedback
G.4. Daftar Pengungkapan Sesuai Peraturan Otoritas Jasa Keuangan Nomor 51/POJK.03/2017
162
G.4. List of Disclosures According to Financial Services Authority Regulation Number 51/POJK.03/2017
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 165
Page 168
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Indeks GRI Standards 2021 (102-55)
GRI Standards 2021 (102-55)
Pernyataan penggunaan PT Asuransi Tugu Pratama Indonesia Tbk telah melaporkan sesuai dengan Standar GRI
Statement of Use untuk periode 1 Januari 2024-31 Desember 2024
PT Asuransi Tugu Pratama Indonesia Tbk has reported the information with reference to
the GRI Standards for the period 1 January 2024-31 December 2024
GRI 1 yang digunakan GRI 1: Landasan 2021
GRI 1 used GRI 1: Foundation 2021
Standar Sektor GRI yang berlaku Asuransi (Standar sektor belum tersedia)
Applicable GRI Sector Standards Insurance (Sector standards not yet available)
Yang Tidak Dicantumkan No. Rujukan
Standar Items Not Listed Standar
GRI/ Sektor GRI
Pengungkapan Lokasi Persyaratan Yang
Sumber Lain Number Of
Disclosure Location Tidak Dicantumkan Alasan Penjelasan
GRI Standard GRI Sector
/Other Source Requirements Not Reasons Explanation Standard
Listed Reference
Pengungkapan umum
General disclosure
GRI 2: Organisasi dan praktik pelaporan
Pengungkapan Organization and reporting practice
Umum 2021 2-1 Rincian organisasi
General 42, 50
2-1 Organization details
disclosure
2021 2-2 Entitas yang dimasukkan
dalam pelaporan
keberlanjutan organisasi
33
2-2 Entities included in the
organization's sustainability
reporting
2-3 Periode, frekuensi, dan
titik kontak pelaporan
32, 38
2-3 Reporting period,
frequency and touchpoints
2-4 Penyajian kembali
informasi
34
2-4 Restatement of
information
2-5 Penjaminan eksternal
38
2-5 External guarantee
Aktivitas dan pekerja
Activities and worker
2-6 Aktivitas, rantai nilai, dan
hubungan bisnis lainnya
42, 47, 54,
2-6 Activities, value
59
chains and other business
relationships
2-7 Tenaga kerja
48
2-7 Workforce
2-8 Pekerja yang bukan
pekerja langsung
48
2-8 Workers who are not
direct workers
166 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 169
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Yang Tidak Dicantumkan No. Rujukan
Standar Items Not Listed Standar
GRI/ Sektor GRI
Pengungkapan Lokasi Persyaratan Yang
Sumber Lain Number Of
Disclosure Location Tidak Dicantumkan Alasan Penjelasan
GRI Standard GRI Sector
/Other Source Requirements Not Reasons Explanation Standard
Listed Reference
Tata Kelola
Governance
2-9 Struktur dan komposisi
tata Kelola
73
2-9 Governance structure
and composition
2-10 Pencalonan dan
pemilihan badan tata kelola
tertinggi
85
2-10 Nomination and
election of the highest
governance body
2-11 Ketua badan tata kelola
tertinggi
75, 79
2-11 Chair of the highest
governance body
2-12 Peran badan tata kelola
tertinggi dalam mengawasi
manajemen dampak
2-12 The role of the 76
highest governance body
in overseeing impact
management
2-13 Delegasi tanggung
jawab untuk mengelola
dampak
85
2-13 Delegation of
responsibility for managing
impacts
2-14 Peran badan tata kelola
tertinggi dalam pelaporan
keberlanjutan
76
2-14 The role of the
highest governance body in
sustainability reporting
2-15 Konflik kepentingan
108
2-15 Conflict of interest
2-16 Komunikasi masalah
penting
108
2-16 Communication of
important matter
2-17 Pengetahuan kolektif
badan tata kelola tertinggi
93
2-17 Collective knowledge of
the highest governance body
2-18 Evaluasi kinerja badan
tata kelola tertinggi
2-18 Evaluation of the 90, 91
performance of the highest
governance body
2-19 Kebijakan remunerasi
91
2-19 Remuneration policy
2-20 Proses untuk
menentukan remunerasi
91
2-20 Process for determining
remuneration
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 167
Page 170
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Yang Tidak Dicantumkan No. Rujukan
Standar Items Not Listed Standar
GRI/ Sektor GRI
Pengungkapan Lokasi Persyaratan Yang
Sumber Lain Number Of
Disclosure Location Tidak Dicantumkan Alasan Penjelasan
GRI Standard GRI Sector
/Other Source Requirements Not Reasons Explanation Standard
Listed Reference
2-21 Rasio kompensasi total
tahunan
132
2-21 Annual total
compensation ratio
Strategi, kebijakan, dan praktik
Strategy, policy and practice
2-22 Pernyataan tentang
strategi pembangunan
berkelanjutan
8
2-22 Statement on
sustainable development
strategy
2-23 Komitmen kebijakan
4, 103
2-23 Poilcy commitment
2-24 Menanamkan
komitmen kebijakan
8, 104
2-24 Embed policy
commitment
2-25 Proses untuk
memperbaiki dampak negatif
6, 10, 104
2-25 Process for correcting
negative impacts
2-26 Mekanisme untuk
mencari nasihat dan
mengemukakan masalah
103
2-26 Mechanisms for
seeking advice and raising
concerns
2-27 Kepatuhan terhadap
hukum dan peraturan
103
2-27 Compliance with laws
and regulations
2-28 Asosiasi keanggotaan
2-28 Membership 57
association
Keterlibatan pemangku kepentingan
Stakeholders Involvement
2-29 Pendekatan untuk
keterlibatan pemangku
kepentingan 104
2-29 Approaches to
stakeholder engagement
2-30 Perjanjian perundingan
kolektif
138
2-30 Collective bargaining
agreement
Pengungkapan Topik material
Disclosure of Material Topics
GRI 3: Topik 3-1 Proses untuk
GRI 3: Topics menentukan topik material
34
3-1 Process for determining
material topics
Material 2021 3-2 Daftar topik material
36
3-2 List of material topics
168 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 171
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Yang Tidak Dicantumkan No. Rujukan
Standar Items Not Listed Standar
GRI/ Sektor GRI
Pengungkapan Lokasi Persyaratan Yang
Sumber Lain Number Of
Disclosure Location Tidak Dicantumkan Alasan Penjelasan
GRI Standard GRI Sector
/Other Source Requirements Not Reasons Explanation Standard
Listed Reference
Topik material Aspek Ekonomi
Material Topics Economy Aspects
GRI 3: Topik 3-3 Manajemen topik
Material 2021 material
112, 140
GRI 3: Material 3-3 Material topic
Topics 2021 management
GRI 201 Kinerja Ekonomi 2016
2016 Economic Performance
201-1 Nilai ekonomi
langsung dihasilkan dan
didistribusikan 115
201-1 Direct economic value
generated and distributed
201-2 Implikasi keuangan
dan risiko serta peluang lain
akibat perubahan iklim
201-2 Financial implications 116
and other risks and
opportunities resulting from
climate change
201-3 Kewajiban program
imbalan pasti dan program
pensiun lainnya
117
201-3 Obligations of defined
benefit plans and other
pension plans
201-4 Bantuan keuangan
yang diterima dari
pemerintah
117
201-4 Financial assistance
received from the
government
GRI 203 Dampak Ekonomi Tidak Langsung 2016
2016 Indirect Economic Impact
203-1 Investasi infrastruktur
dan dukungan layanan
203-1 Infrastructure 144, 146
investments and service
support
203-2 Dampak ekonomi
tidak langsung yang
signifikan 142, 144
203-2 Significant indirect
economic impact
Topik material Aspek Lingkungan
Material topics Environmental Aspects
GRI 3: Topik 3-3 Manajemen topik
Material 2021 material
119
GRI 3: Material 3-3 Material topic
Topics 2021 management
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 169
Page 172
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Yang Tidak Dicantumkan No. Rujukan
Standar Items Not Listed Standar
GRI/ Sektor GRI
Pengungkapan Lokasi Persyaratan Yang
Sumber Lain Number Of
Disclosure Location Tidak Dicantumkan Alasan Penjelasan
GRI Standard GRI Sector
/Other Source Requirements Not Reasons Explanation Standard
Listed Reference
GRI 304 Keanekaragaman Hayati 2016
Biodiversity 2016
304-1 Lokasi operasi yang
dimiliki, disewa, dikelola,
atau berdekatan dengan,
kawasan lindung dan
kawasan dengan nilai
keanekaragaman hayati
tinggi di luar kawasan
123, 124
lindung
304-1 Operational locations
owned, leased, managed,
or adjacent to, protected
areas and areas of high
biodiversity outside
protected areas
304-2 Dampak signifikan
dari kegiatan, produk, dan
jasa pada keanekaragaman
hayati 124
304-2 Significant impacts
of activities, products and
services on biodiversity
304-3 Habitat yang dilindungi
atau direstorasi 124
Protected or restored habitat
304-4 Spesies Daftar Merah
IUCN dan spesies daftar
konservasi nasional dengan
habitat dalam wilayah yang
terkena efek operasi 124
304-4 IUCN Red List species
and national conservation
list species with habitats in
areas affected by operations
Topik material Aspek Sosial
Material topics Social Aspects
GRI 3: Topik 3-3 Manajemen topik
Material 2021 material
134
GRI 3: Material 3-3 Material topic
Topics 2021 management
GRI 403 Kesehatan dan Keselamatan Kerja 2018
Occupational Health and Safety 2018
403-1 Sistem manajemen
kesehatan dan keselamatan
kerja
135
403-1 Occupational health
and safety management
system
403-2 Identifikasi bahaya,
penilaian risiko, dan
investigasi insiden
135
403-2 Hazard identification,
risk assessment, and
incident investigation
403-3 Layanan kesehatan
kerja
135
403-3 Occupational health
services
170 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 173
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
Yang Tidak Dicantumkan No. Rujukan
Standar Items Not Listed Standar
GRI/ Sektor GRI
Pengungkapan Lokasi Persyaratan Yang
Sumber Lain Number Of
Disclosure Location Tidak Dicantumkan Alasan Penjelasan
GRI Standard GRI Sector
/Other Source Requirements Not Reasons Explanation Standard
Listed Reference
403-4 Partisipasi, konsultasi,
dan komunikasi pekerja
tentang keselamatan dan
kesehatan kerja
403-4 Worker participation, 135
consultation and
communication regarding
occupational safety and
health
403-5 Pelatihan bagi pekerja
mengenai keselamatan dan
kesehatan kerja
138
403-5 Training for workers
regarding occupational
safety and health
403-6 Peningkatan kualitas
kesehatan pekerja
135
403-6 Improving the quality
of workers' health
403-7 Pencegahan dan
mitigasi dampak dari
keselamatan dan kesehatan
kerja yang secara langsung
terkait hubungan bisnis
403-7 Prevention and 138
mitigation of impacts from
occupational safety and
health that are directly
related to business
relationships
403-8 Pekerja yang tercakup
dalam sistem manajemen
keselamatan dan kesehatan
kerja 138
403-8 Workers covered by
the occupational safety and
health management system
403-9 Kecelakaan kerja
136
403-9 Work accident
403-10 Penyakit akibat kerja
403-10 Occupational 135
diseases
GRI 3: Topik 3-3 Manajemen topik
Material 2021 material
GRI 3: Material 3-3 Material topic
Topics 2021 management
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 171
Page 174
01 Strategi Keberlanjutan
Sustainability Strategy 02 Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview 03 Penjelasan Direksi
An Explanation from Board of Directors
Yang Tidak Dicantumkan No. Rujukan
Standar Items Not Listed Standar
GRI/ Sektor GRI
Pengungkapan Lokasi Persyaratan Yang
Sumber Lain Number Of
Disclosure Location Tidak Dicantumkan Alasan Penjelasan
GRI Standard GRI Sector
/Other Source Requirements Not Reasons Explanation Standard
Listed Reference
GRI 404 Pelatihan dan Pendidikan 2016
Training and Education 2016
404-1 Rata-rata jam
pelatihan per tahun per
karyawan 137
404-1 Average training hours
per year per employee
404-2 Program untuk
meningkatkan keterampilan
karyawan dan program
bantuan peralihan
138
404-2 Programs to
improve employee skills
and transition assistance
programs
404-3 Persentase karyawan
yang menerima tinjauan
rutin terhadap kinerja dan
pengembangan karier
138
404-3 Percentage of
employees who receive
regular performance and
career development reviews
GRI 3: Topik 3-3 Manajemen topik
Material 2021 material
140
GRI 3: Material 3-3 Material topic
Topics 2021 management
GRI 413 Masyarakat Lokal 2016
2016 Local Communities
413-1 Operasi dengan
keterlibatan masyarakat
lokal, penilaian dampak, dan
program pengembangan
142
413-1 Operations with local
community involvement,
impact assessments, and
development programs
413-2 Operasi yang secara
aktual dan yang berpotensi
memiliki dampak negatif
signifikan terhadap
masyarakat local 142
413-2 Operations that
have actual and potential
significant negative impacts
on local communities
172 LAPORAN KEBERLANJUTAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 175
04 Tentang Laporan Keberlanjutan
About this Sustainability Report 05 Profil Tugu Insurance
Tugu Insurance Profile 06 Tata Kelola Keberlanjutan
Sustainability Governance 07 Kinerja Keberlanjutan
Sustainability Performance
2024 SUSTAINABILITY REPORT PT Asuransi Tugu Pratama Indonesia Tbk 173
Page 176
Laporan Keberlanjutan
Sustainability Report
2024
PT Asuransi Tugu Pratama Indonesia Tbk
Head Office:
Wisma Tugu I
Jl. H.R. Rasuna Said Kav. C 8-9
Jakarta 12920, Indonesia
Phone: (62-21) 529 61 777 (hunting)
Fax: (62-21) 529 61 555
Email: enquiry@tugu.com
Berizin dan Diawasi oleh
Otoritas Jasa Keuangan (OJK) www.tugu.com
Names mentioned 64 people and organisations named in the text · linked when the evidence is strong
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Financial Services Authority
p.2 ×7
unresolved
org
Tata Kelola Tertinggi
p.3
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org
PT TUGU PRATAMA
p.35 ×2
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org
PT REASURANSI INTERINDO
p.35
unresolved
org
PT TUGU TUGU INSURANCE
p.35
unresolved
org
PT PRATAMA MANAGEMENT
p.35
unresolved
org
REASURANSI COMPANY LIMITED
p.35
unresolved
person
Tan Thong Kie
· Notaris
p.44 ×3
unresolved
org
Menteri Kehakiman Republik Indonesia
p.44
unresolved
org
Pengadilan Negeri
p.44 ×2
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person
H. Notary
p.44
unresolved
org
Minister of Justice of Republic of Indonesia
p.44
unresolved
org
District Court
p.44
unresolved
org
Indonesia Stock Exchange
p.44 ×2
unresolved
org
PT Tugu Pratama Indonesia Indonesia
p.45
unresolved
person
Thong Tan Kie
· Notaris
p.45
unresolved
org
Minister of Justice
p.45
unresolved
person
Notary Jose Dima Satria
· Notaris
p.45 ×29
unresolved
org
PT Asuransi Tugu Pratama
p.45
unresolved
org
Asuransi Indonesia Tbk.
p.45 ×2
unresolved
org
Tugu Pratama Indonesia Tbk.
p.45
unresolved
org
Menteri Hukum dan Hak
p.45
unresolved
org
Minister of Law and Human Rights
p.45 ×2
unresolved
org
Milik Negara
p.45 ×2
unresolved
org
Ministry of BUMN
p.48
unresolved
person
Deputi
· Direktur
p.50
unresolved
org
PT Dantindo Entrycom
p.52
unresolved
org
PT Datindo Entrycom
p.52
unresolved
org
Co. Ltd.
p.52
unresolved
—
PoSS (Point of Sales &
p.52
unresolved
person
Dr. Cipto Mangunkusumo
p.55
unresolved
org
Tugu Insurance Company Limited
p.55
unresolved
org
Minister of SOEs Regulation Peraturan Menteri BUMN No. PER-
p.74
unresolved
person
Mukti
· Commissioner
p.77 ×2
unresolved
person
Samuel Ramna
· Komisaris
p.77
unresolved
person
Organ
· Komisaris
p.80 ×2
unresolved
person
Dr. H. Muhammad Maksum SH, MA, MDC
· Ketua DPS
p.82 ×2
unresolved
person
dr. Siti Hannah
p.82
unresolved
person
Notary Mala Mukti
· Notaris
p.83 ×4
unresolved
org
Menteri BUMN No. PER-
p.88 ×3
unresolved
org
Minister of State-Owned Enterprises
p.88
unresolved
org
Minister of SOEs Regulation No. PER-
p.88
unresolved
org
Minister of State-Owned Enterprises Regulation No. Syarat Anggota Direksi BUMN dan Anggota Direksi
p.88
unresolved
—
Proposed by
p.91
unresolved
person
Bagan Prosedur Penetapan Remunerasi
· Komisaris
p.94
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