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Enhancing Innovation,
Elevating Sustainable Performance
2023 Laporan Keberlanjutan
Sustainability Report
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 1
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Penjelasan Tema
Theme Explanation
Enhancing Innovation,
Elevating Sustainable Performance
PT Asuransi Tugu Pratama Indonesia Tbk (Tugu Insurance/Perusahaan) dengan tagline “Reaching New Heights”
mendorong semangat baru dalam menginspirasi dan memberdayakan pelanggan. Perusahaan berupaya dengan
penuh rasa percaya diri dan optimis untuk melangkah menuju tingkatan baru, proaktif menghadapi berbagai tantangan
dan peluang kehidupan di masa mendatang agar terus berkelanjutan memberikan banyak manfaat kepada segenap
Stakeholders.
Optimisme ini didukung oleh kinerja Tugu Insurance yang menggembirakan di tahun 2023. Laba Tahun Berjalan
konsolidasian (audited) yang dapat diatribusikan kepada pemilik entitas induk sebesar Rp1,32 triliun melesat
281% dari periode yang sama tahun sebelumnya Rp347,15 miliar. Pencapaian premi bruto Tugu Insurance secara
konsolidasian sebesar Rp7,7 triliun naik 15% dibanding dari periode yang sama tahun sebelumnya sebesar Rp6,7
triliun. Sementara sedangkan pendapatan underwriting tercatat sebesar Rp2,6 triliun naik 11% dibanding dari periode
yang sama tahun sebelumnya yaitu sebesar Rp2,3 triliun.
Keberhasilan kinerja Tugu Insurance di tahun 2023 tentunya tidak terlepas dari komitmen Perusahaan untuk senantiasa
mengelola risiko dari berbagai aspek operasional dengan mengedepankan dukungan inovasi digitalisasi sehingga dapat
konsisten mengimplementasikan strategi yang telah ditetapkan guna adanya peningkatan pemberian manfaat baik
kepada Stakeholders. Pengembangan inovasi digital dalam pengelolaan Perusahaan menjadi kunci dari fleksibilitas
untuk beradaptasi dengan perubahan.
Upaya-upaya tersebut terbukti membawa Tugu Insurance meraih predikat global Financial Strength Rating A- (Excellent)
dan the Long-Term Issuer Credit Rating of “a-” (Excellent) dari lembaga pemeringkat internasional di bidang asuransi asal
Amerika, AM Best, untuk kedelapan kali berturut-turut. Global Rating A- (Excellent) didapatkan Tugu Insurance pertama
kali tahun 2016, dan hingga kini dapat dipertahankan. Di samping itu, AM Best juga mengeluarkan National Scale
Rating (NSR) untuk Tugu Insurance yaitu aaa.ID (Exceptional).
PT Asuransi Tugu Pratama Indonesia Tbk (Tugu Insurance/Company) with a tagline “Reaching New
Heights” supports new spirit in inspiring and empowering customers. The Company strives with
confidence and optimism to move to a new level, proactively tackling various challenges and opportunities
in the future to continue to provide many benefits to all Stakeholders.
This optimism is supported by Tugu Insurance’s encouraging performance in 2023. Consolidated Income
for the Year (audited) attributable to owners of the parent entity amounted to IDR1.32 trillion, skyrocketing
to 281% from the same period the previous year of IDR347.15 billion. Tugu Insurance’s consolidated
gross premium achievement amounted to IDR7.7 trillion, an increase of 15% compared to the same
period the previous year of IDR6.7 trillion. Meanwhile, underwriting income was recorded at IDR2.6 trillion,
an increase of 11% compared to the same period the previous year of IDR2.3 trillion.
The success of Tugu Insurance’s performance in 2023 is certainly inseparable from the Company’s
commitment to continuously manage risks from various operational aspects by prioritizing the support
of digitalization innovation so it can consistently implement the strategies that have been set in order
to increase the provision of good benefits to Stakeholders. The development of digital innovation in the
management of the Company is the key to flexibility to adapt to change.
These efforts have proven to bring Tugu Insurance to the title of global Financial Strength Rating A-
(Excellent) and the Long-Term Issuer Credit Rating of “a-” (Excellent) from an American insurance rating
International organization, AM Best, for the eighth consecutive time. In 2016, Tugu Insurance received its
first Global Rating A- (Excellent), which it has been able to maintain until present day. In addition, AM Best
also issued a National Scale Rating (NSR) for Tugu Insurance, namely aaa.ID (Exceptional).
2 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Daftar Isi
Table of Contents
2
3
Penjelasan Tema
Theme Explanation
Daftar Isi
04
Tentang Laporan Keberlanjutan
About this Sustainability Report
92
Nominasi dan Pengangkatan Dewan Komisaris
dan Direksi
Table of Contents Nomination and Appointment of the Board of
01
Commissioners and Directors
Periode, Siklus, dan Cakupan Pelaporan
38 Reporting Period, Cycle, and Scope Evaluasi Kinerja dan Remunerasi Dewan
Komisaris dan Direksi
Strategi Keberlanjutan Standar dan Pedoman Pelaporan 93
40 Performance Evaluation and Remuneration for
Sustainability Strategy Reporting Standards and Guidelines
the Board of Commissioners and Directors
Penyajian Kembali dan Perubahan Informasi
Pengembangan Kompetensi Terkait Keuangan
Visi dan Misi dalam implementasi Strategi dalam Pelaporan
40 Berkelanjutan
Berkelanjutan Restatement and Change of Information in 96
6 Vision and Mission in Sustainability Strategy Reporting
Development of Competencies Related to
Sustainable Finance
Implementation
Penetapan Topik Material dan Batasan Topik
Penilaian Risiko atas Penerapan Keuangan
Pengelolaan Risiko dan Hasil yang Ingin 40 Defining of Material Topics and Topic
Berkelanjutan
8 Dicapai Boundaries 99 Risk Assessment on Sustainable Finance
Risk Management and Desired Results
Daftar Topik Material Implementation
Strategi Keberlanjutan dan Hasil yang Ingin
42 List of Material Topics
Hubungan dengan Pemangku Kepentingan
10 Dicapai
Assurance 107 Relations with Stakeholders
Sustainability Strategy and Desired Results 44 Assurance
Permasalahan dan Pengaruhnya Terhadap
Kontribusi Terhadap Tujuan Pembangunan
Umpan Balik & Akses Informasi Penerapan Keuangan Berkelanjutan
Berkelanjutan (TPB) 44 109
12 Feedback & Information Access Issues and their Effects on Sustainable
05
Contribution to the Sustainable Development
Finance Implementation
Goals (SDGs)
02
Kegiatan Membangun Budaya Keberlanjutan
109 Activities to Build Sustainability Culture
Profil Perusahaan
07
Company Profile
Ikhtisar Kinerja Aspek
Keberlanjutan Kinerja Keberlanjutan
Identitas Perusahaan
Sustainability Aspects Performance 48 Sustainability Performance
Company Identity
Overview
Sejarah Singkat Perusahaan
49 Kinerja Keberlanjutan - Aspek Ekonomi
Aspek Ekonomi
Brief History of the Company 114 Sustainability Performance - Economic Aspect
18 Economic Aspects Visi, Misi, dan Nilai Keberlanjutan
51 Vision, Mission, and Sustainability Values
Kinerja Keberlanjutan - Aspek Lingkungan
18
Aspek Lingkungan Hidup 121 Sustainability Performance - Environmental
Environmental Aspects Budaya Perusahaan dan Tata Nilai Perusahaan Aspects
52 Corporate Culture and Values
Aspek Sosial Kinerja Keberlanjutan - Aspek Sosial
20 Social Aspects Skala Usaha 133 Sustainability Performance - Social Aspects
53
03
Business Scale
Verifikasi Tertulis dari Pihak Independen
Produk, Layanan dan Kegiatan Usaha
161 Independent Party Written Verification
59 Products, Services, and Business Activities
Penjelasan Direksi 162
Lembar Umpan Balik
Pasar yang Dilayani Feedback Sheet
Board of Director’s Explanation 62 Market Served
Surat Pernyataan Dewan Komisaris
Keanggotaan Asosiasi 164 Statement Letter of Board of Commissioners
Kebijakan Merespon Tantangan Dalam 62 Membership in Association
Strategi Keberlanjutan Surat Pernyataan Direksi
26 Perubahan Signifikan 165 Statement Letter of Board of Directors
Policies in Responding Challenges in 63 Significant Changes
Sustainable Strategy Tanggapan Terhadap Umpan Balik
Rantai Pasokan 166 Comments on Feedbacks
29
Penerapan Keuangan Berkelanjutan 65 Supply Chain
Implementation of Sustainable Finance Referensi Peraturan POJK No. 51/
Inisiatif Eksternal POJK.03/2017 & Surat Edaran OJK No. 16/
33
Strategi Pencapaian Target 66 External Initiatives
Target Achievement Strategy SEOJK.04/2021
167
06
Reference to POJK Regulation No. 51/
POJK.03/2017 & OJK Circular No. 16/
SEOJK.04/2021
Tata Kelola Keberlanjutan
Sustainability Governance Indeks GRI Standards 2021
170 GRI Standards 2021
Struktur Tata Kelola
79 Governance Structure
Badan Tata Kelola Tertinggi dan Penanggung
Jawab Penerapan Keuangan Berkelanjutan
82 Governance Structure and Party in Charge of
Sustainable Finance Implementation
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 3
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
01
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Strategi
Keberlanjutan
Sustainability Strategy
4 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 5
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Strategi Keberlanjutan
Sustainability Strategy
Tugu Insurance terus mengembangkan bisnisnya untuk Tugu Insurance continues to develop its business to provide
menyediakan layanan asuransi ke segmen yang lebih luas. insurance services to a wider segment. In 2023, Tugu
Di tahun 2023 ini, Tugu Insurance memfokuskan strategi Insurance focused on its strategy in carrying out business
dalam menjalankan kegiatan usaha dengan terus melakukan activities by continuing to innovate products and distribution
inovasi produk dan channel distribusi untuk pengembangan channels for non-captive business development, through
bisnis non-captive, melalui penetrasi ke pasar SME, Ritel dan penetration into the SME, Retail and SOE Synergy markets.
Sinergi BUMN.
Sementara itu, telah menjadi kesadaran bersama bahwa Meanwhile, it has become a common awareness that the
prinsip berkelanjutan dalam usaha sebagai acuan dalam principle of sustainability in business is a reference in
bisnis global saat ini, terlebih bagi perusahaan yang memiliki today's global business, especially for companies that have
target peningkatan aset dan kinerja keuangan secara a target of significantly increasing assets and financial
signifikan di pasar modal. Oleh karena itu, Tugu Insurance performance in the capital market. Therefore, Tugu Insurance
melakukan strategi peningkatan kinerja portofolio investasi implemented a strategy to improve the performance of the
berupa asset keuangan dan penyertaan langsung di anak investment portfolio in the form of financial assets and direct
perusahaan dengan terlebih dahulu melakukan kajian yang investment in subsidiaries, by first conducting a thorough
matang serta manajemen risiko yang terukur, hal ini sejalan study and measurable risk management, this is in line with
dengan komitmen Perseroan terhadap tujuan pembangunan the Company’s commitment to sustainable development
berkelanjutan dan penerapan prinsip-prinsip ESG. goals and the application of ESG principles.
Upaya strategis yang telah dilakukan oleh Tugu Insurance Strategic efforts which have been taken by Tugu Insurance to
untuk meningkatkan kinerja dan menjaga keberlanjutan improve performance and maintain business sustainability,
usaha, mendapatkan apresiasi dari lembaga pemeringkat received appreciation from rating International agencies in
internasional di bidang asuransi asal Amerika, AM Best. the American insurance sector, AM Best. Tugu Insurance
Tugu Insurance mencatatkan prestasi yang membanggakan recorded a satisfaction achievement by achieving the global
dengan meraih predikat global Financial Strength Rating Financial Strength Rating A- (Excellent) and the Long-Term
A- (Excellent) dan the Long-Term Issuer Credit Rating of Issuer Credit Rating of “a-” (Excellent). The predicate
“a-” (Excellent). Predikat Rating A- (Excellent) didapatkan Rating A- (Excellent) was obtained by Tugu Insurance for
Tugu Insurance pertama kali tahun 2016 dan mampu the first time in 2016 and has been maintained for 8
dipertahankan selama 8 tahun berturut-turut. consecutive years.
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]
Dalam setiap pengambilan keputusan dan perumusan In formulating objectives, strategic policies and management
kebijakan strategis, Tugu Insurance memastikan sejalan decision making, Tugu Insurance makes the Company’s
dengan pencapaian Visi dan Misi. Selain itu, Perseroan Vision and Mission as the basis. Periodically, the Company
melakukan evaluasi kinerja dan keselarasan pencapaian evaluates performance and alignment of achieving company
tujuan pengelolaan usaha dengan Visi dan Misi secara goals with the Vision and Mission. In addition, the Vision and
berkala. Hasil evaluasi tersebut, selanjutnya dituangkan Mission form the basis for preparing the Company’s Work
dalam penyusunan Rencana Kerja dan Anggaran Perusahaan Plan and Budget (RKAP) and the 5 (five) annual period in the
(RKAP) setiap tahunnya dan periodik 5 (lima) tahunan dalam Company’s Long Term Plan (RJPP).
Rencana Jangka Panjang Perusahaan (RJPP).
6 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Sesuai dengan Visi dan Misi, Tugu Insurance melakukan Based on the Vision and Mission of the Company, Tugu strategi keberlanjutan dalam bentuk komitmen terhadap Insurance carries out a sustainability strategy as well tanggung jawab sosial dan lingkungan serta kontribusi as a form of commitment to social and environmental pada pembangunan berkelanjutan dengan berorientasi responsibility and contribution to sustainable development pada Tujuan Pembangunan Berkelanjutan/TPB (Sustainable with an orientation towards Sustainable Development Goals/ Development Goals/SDGs). SDGs. Arah kebijakan keberlanjutan yang telah diterapkan oleh Tugu The sustainability policies and strategies that have been Insurance dalam pencapaian Visi dan Misi Perseroan yaitu, implemented by the Company include, among others: [GRI antara lain: [GRI 2-23] 2-23] 1. Perseroan menunjukkan kepeduliannya terhadap 1. The Company demonstrates its concern for the community masyarakat dan lingkungan sekitar dalam pembangunan and the surrounding environment in community komunitas (community development) atau Corporate Social development or Corporate Social Responsibility (CSR); Responsibility (CSR); 2. Perseroan bukan hanya mengejar keuntungan bagi 2. The Company does not only pursue profits for the owners, pemilik semata, namun juga menjaga dan memberikan but also maintains and provides added value (value nilai tambah (value added) pada masyarakat added) to society and the environment; dan lingkungannya; 3. Perseroan meningkatkan nama baik/reputasi, sehingga 3. Improving the good name/reputation of the Company, so terjaga citra (corporate image) yang positif. that a positive corporate image can be maintained. Tugu Insurance terus berupaya untuk menciptakan nilai The Company continues to make best efforts continue to bagi pemegang saham dan pemangku kepentingan dengan create values with stakeholders by minimizing the impact memaksimalkan kinerja dan meminimalkan dampak of social and environmental risks. Various strategic policies risiko sosial serta lingkungan. Kebijakan strategis terkait related to sustainability are designed according to needs and keberlanjutan dirancang sesuai dengan kebutuhan dan their effectiveness is evaluated regularly for improvement dievaluasi efektivitasnya secara berkala untuk penyempurnaan in accordance with business conditions and environment. sesuai dengan kondisi dan lingkungan bisnis. Sementara itu, In addition, the dissemination of a culture of sustainability Perseroan terus melakukan sosialisasi budaya keberlanjutan among employees is carried out in a relay from the highest secara estafet mulai dari pimpinan tertinggi sampai karyawan leadership to the lowest level employees through training, terendah. Proses penguatan budaya ini dilakukan melalui briefings, meetings, broadcasts messages, and others, kegiatan training, briefing, meeting, broadcast message, dan presenting sustainability modules as part of a self-learning sebagainya, dengan menampilkan modul-modul keberlanjutan program that must be carried out by employees. sebagai bagian dari self-learning program yang wajib diikuti oleh karyawan. Selain pengembangan budaya keberlanjutan, Tugu Insurance In addition to develop sustainability culture, Tugu Insurance juga memastikan pengelolaan usaha perasuransian ensures the fulfillment of Principle of Sustainable Insurance memenuhi prinsip-prinsip asuransi berkelanjutan (Principle (PSI) in managing the insurance business, especially in the of Sustainable Insurance/PSI). Prinsip-prinsip tersebut second and fourth principles. The second principle relates to mendorong kontribusi dan praktik pengelolaan usaha yang the contributions and business management practices that membangun kesadaran terhadap persoalan lingkungan build awareness of social environmental issues, governance, sosial, tata kelola dan manajemen risiko. Realisasi atas and risk management. The realization of these principles prinsip-prinsip ini tercermin pada penerapan tata kelola is reflected in the implementation of good corporate perusahaan yang baik dengan pencapaian nilai GCG sebesar governance with the achievement of a GCG score of 91.314 91,314 dari total nilai maksimal yaitu sebesar 100 yang out of a total maximum score of 100, which is equivalent to setara dengan 91.31% atau mencapai kualifikasi “SANGAT 91.31% or achieving the qualification “VERY GOOD” for the BAIK” untuk tahun buku 2021 yang diterbitkan pada 30 2021 fiscal year published on 30 November 2022. November 2022. Prinsip-prinsip asuransi berkelanjutan juga mendorong The sustainability principles also encourage the practice of pemenuhan praktik akuntabilitas dan transparansi dalam accountability and transparency in disclosing the progress mengungkapkan kemajuan penerapan kepada publik dan of the implementation of sustainable insurance principles to pemangku kepentingan. the public. PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 7
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Penerapan atas prinsip ini, tercermin dari komitmen dan This principle is reflected in the Company’s commitment and
konsistensi Perseroan menerbitkan laporan keberlanjutan, consistency in issuing sustainability reports for a period
laporan tahunan dan laporan keuangan setiap tahun, serta of 3 (three) consecutive years. In the sustainability report,
informasi lainnya sesuai peraturan perundang-undangan. the Company conveys the achievement of sustainability
Sementara di dalam laporan keberlanjutan, Perseroan performance which includes economic, environmental, social
menyampaikan pencapaian kinerja keberlanjutan yang and governance aspects.
mencakup aspek ekonomi, 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 menjalankan bisnisnya, Tugu Insurance menghadapi In running its business, Tugu Insurance faced several
beberapa tantangan yang sifatnya dinamis dan dapat challenges that were dynamic in nature and could affect its
mempengaruhi kegiatan operasional dan bisnis Perusahaan, business activities, as follow:
sebagai berikut:
1. Perkembangan lingkungan bisnis dan meningkatnya 1. The development of the business environment and
kompleksitas operasional dan bisnis Perusahaan sejalan increasing complexity of the Company’s operations and
dengan perkembangan produk dan layanan yang diberikan business are in line with the development of the products
oleh Perusahaan. and services provided by the Company.
2. Dari sisi eksternal, perubahaan regulasi dan tuntutan 2. From the external side, changes in regulations and
perkembangan teknologi serta perkembangan budaya demands for technological developments and cultural
masyarakat juga menjadi perhatian Perusahaan. developments in society are also the Company’s concern.
3. Selain itu, Perusahaan menghadapi tantangan untuk 3. In addition, the Company faced challenges to do business
melakukan bisnis secara berkelanjutan dan mencapai in a sustainable manner and achieved the set target.
target yang ditetapkan.
Untuk menghadapi tantangan tersebut, Perusahaan To faced these challenges, the Company implements Risk
menerapkan Manajemen Risiko bersama dengan Management together with the implementation of Good
implementasi Good Corporate Governance dalam pencapaian Corporate Governance in achieving the Company’s business
target bisnis Perusahaan yang pelaksanaanya sangat targets, the implementation of which is strongly supported
didukung oleh sumber daya manusia, teknologi informasi by human resources, information technology and business
dan proses bisnis yang dilakukan oleh Perusahaan. processes carried out by the Company.
Secara praktisnya, penerapan manajemen risiko Tugu The implementation of Tugu Insurance’s risk management
Insurance mencakup pada 4 (empat) pilar sebagai berikut: refers to the 4 (four) pillars as follows:
1. Pengawasan aktif Direksi, Dewan Komisaris dan Dewan 1. Active supervision of the Board of Directors, Board of
Pengawas Syariah; Commissioners and Sharia Supervisory Board;
2. Kecukupan kebijakan dan prosedur manajemen risiko 2. Adequacy of risk management policies and procedures
serta penetapan limit risiko; and the setting of risk limits;
3. Kecukupan proses identifikasi, pengukuran, pengendalian, 3. Adequacy of risk identification, measurement, control
dan pemantauan risiko, serta sistem informasi and monitoring processes, as well as risk management
manajemen risiko; information systems;
4. Sistem pengendalian internal yang menyeluruh. 4. Comprehensive internal control systems.
Selain itu, Tugu Insurance telah mengembangkan sistem Furthermore, Tugu Insurance has developed a three-line
pengendalian intern berbasis pertahanan tiga lapis (three defense-based internal control system with the principles
lines of defense) dengan prinsip pencegahan, deteksi, dan of prevention, detection and direction, with the following
pengarahan, dengan penjelasan sebagai berikut: explanation:
1. Pertahanan lapis pertama, merupakan pertahanan yang 1. First line of defense, is the defense carried out by
dilaksanakan fungsi bisnis yang melakukan aktivitas business functions that carry out the company’s daily
operasional perusahaan sehari-hari, terutama yang operational activities, especially those that are the front
merupakan garis depan atau ujung tombak Perusahaan. line or spearhead of the Company. This is expected to:
Hal ini diharapkan dapat:
8 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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a. Memastikan adanya lingkungan pengendalian yang a. Ensure that there is a conducive control environment in
kondusif di unit bisnis terkait; the relevant business units;
b. Menerapkan kebijakan manajemen risiko yang telah b. Implement the risk management policies that have
ditetapkan sewaktu menjalankan peran dan tanggung been established when carrying out the roles and
jawab pemilik risiko terutama dalam mengejar responsibilities of risk owners, especially in pursuing
pertumbuhan perusahaan. Pemilik risiko diharapkan company growth. Risk owners are expected to fully
secara penuh kesadaran mempertimbangkan faktor consciously consider risk factors in decisions and
risiko dalam keputusan-keputusan dan tindakan- actions taken;
tindakan yang dilakukan;
c. Mampu menunjukkan pengendalian internal yang c. Able to demonstrate effective internal control in the
efektif di unit bisnis pemilik risiko, dan pemantauan business unit that owns the risk, and monitoring
serta transparansi terhadap efektivitas pengendalian and transparency regarding the effectiveness of this
internal tersebut. internal control.
2. Pertahanan lapis kedua, merupakan Pertahanan yang 2. Second line of defense, is defense implemented by
dilaksanakan oleh fungsi-fungsi manajemen risiko dan risk and compliance management functions, especially
kepatuhan, terutama fungsi-fungsi manajemen risiko dan structured risk and compliance management functions, for
kepatuhan yang sudah terstruktur misal: departemen example: risk and compliance management departments
atau unit manajemen risiko dan kepatuhan. Dalam hal ini, or units. In this case, they are expected to:
mereka diharapkan untuk:
a. Bertanggung jawab dalam mengembangkan a. Responsible for developing and monitoring the
dan memantau implementasi manajemen risiko implementation of overall company risk management;
perusahaan secara keseluruhan;
b. Melakukan pengawasan terhadap bagaimana b. Supervise how business functions are carried out
fungsi bisnis dilaksanakan dalam koridor kebijakan within the corridors of risk management policies and
manajemen risiko dan prosedur-prosedur standard standard operational procedures that have been
operasionalnya yang telah ditetapkan oleh perusahaan; established by the company;
c. Memantau dan melaporkan risiko-risiko perusahaan c. Monitor and report company risks as a whole to the
secara menyeluruh kepada organ yang memiliki organ with the highest accountability in the company.
akuntabilitas tertinggi di perusahaan.
3. Pertahanan lapis ketiga, merupakan pertahanan yang 3. The third layer of defense, is a defense that has the
memiliki tugas dan tanggung jawab dari unit kerja yang duties and responsibilities of the work unit that carries
menjalankan fungsi pengendalian internal. Sistem out the internal control function. The risk control
pengendalian risiko bersifat pengarahan langsung berupa system is direct in the form of recommendations for
rekomendasi perbaikan atau penyempurnaan terhadap improvements or improvements to weaknesses in policies
kelemahan kebijakan dan prosedur dengan menerapkan and procedures by implementing a risk-based audit
model audit berbasis risiko. Auditor internal sebagai model. Internal auditors as risk controllers in carrying out
pengendali risiko dalam melaksanakan tugas auditnya their audit duties provide assurance that existing risks
memberikan jaminan bahwa risiko yang ada sudah have been managed by management properly and have
dikelola oleh pihak manajemen dengan baik dan memiliki risk limits that do not impact the company’s objectives.
batasan risiko yang tidak berdampak terhadap tujuan
perusahaan.
Sebagai kehati-hatian dan pengelolaan risiko dalam As prudence and risk management in the insurance
industri asuransi, sampai saat ini portofolio asuransi industry, currently, Tugu Insurance’s credit insurance
kredit Tugu Insurance masih di bawah 5%. Bahkan portfolio is still below 5%. Even the credit insurance
asuransi kredit yang ditawarkan hanya berfokus offered only focuses on the industrial sector. Another
pada sektor industrial. Faktor lainnya yang menjadi factor that the Company considers is the lessons learned
pertimbangan Perseroan adalah pelajaran dari peristiwa from events that occurred in the market, especially during
yang terjadi di market, terutama saat pandemi dengan the pandemic with an increase in bad credit. This is one
kenaikan kredit macet. Hal ini menjadi salah satu dasar of the bases for the Company to guarantee credited
bagi Perseroan untuk melakukan penjaminan aset yg assets, and not guarantee payment failure by creditors.
dikreditkan, dan bukan menjamin kegagalan pembayaran
oleh kreditur.
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 9
Page 10
1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Proses manajemen risiko yang baik bertujuan untuk A good risk management process seeks to manage the
mengelola risiko yang melekat pada aktivitas Perusahaan risks inherent in the company’s activities in order to provide
dengan maksud memberikan nilai tambah yang maximum sustainable added value to all activities. The
berkelanjutan secara maksimal terhadap keseluruhan Company’s risk management process is as follows:
aktivitas. Proses Manajemen Risiko Perusahaan dijabarkan
sebagai berikut:
1. Identifikasi Risiko bertujuan untuk mengetahui seluruh 1. Risk Identification aims to identify all types of risk
jenis risiko yang melekat pada setiap produk, aktivitas inherent in each product, service and functional activity
layanan dan aktivitas fungsional yang berpotensi that could have a detrimental impact on the Company;
merugikan Perusahaan;
2. Pengukuran Risiko bertujuan untuk mengetahui besaran 2. Risk Measurement aims to determine the amount of risk
risiko yang melekat pada aktivitas Perusahaan untuk inherent in the Company’s activities so that it can be
dibandingkan dengan tingkat risiko yang siap diterima compared with the Company’s risk appetite. This allows
Perusahaan sehingga Perusahaan dapat mengambil the Company to take risk mitigation actions;
tindakan mitigasi risiko;
3. Pemantauan Risiko dilakukan dengan membandingkan 3. Risk monitoring is carried out by comparing the risk limits
limit risiko atas risiko yang siap diterima dan tingkat for risks that are ready to be accepted and the level of
toleransi risiko yang dimiliki oleh Perusahaan dengan risk tolerance held by the Company with the risk exposure
eksposur risiko yang dimiliki; it has;
4. Pengendalian Risiko sebagai bentuk pelaksanaan mitigasi 4. Risk Control is the action that mitigates the existing risks.
atas potensi risiko yang ada.
Evaluasi atas efektivitas Manajemen Risiko juga dilakukan Evaluation of the effectiveness of Risk Management is
melalui penyampaian pelaporan secara berkala yang also carried out through the submission of regular reports
disampaikan oleh Satuan Kerja Manajemen Risiko submitted by the Company’s Risk Management Work Unit
Perusahaan dan disampaikan kepada Direksi yang and submitted to the Board of Directors who oversee the
membawahi fungsi manajemen risiko. Tidak hanya itu risk management function. Not only that, evaluation of
evaluasi penerapan manajemen risiko juga dilakukan the implementation of risk management is also carried
secara bertingkat dilakukan oleh Dewan Direksi dan out in stages by the Board of Directors and the Board of
Dewan Komisaris sebagai bentuk pengawasan aktif dalam Commissioners as a form of active supervision in the form of
bentuk penyampaian ke Komite Manajemen Risiko dan submissions to the Risk Management Committee and Risk
Komite Pemantau Risiko. Perusahaan secara berkelanjutan Monitoring Committee. The Company continuously evaluates
melakukan evaluasi atas efektivitas penerapan Manajemen the effectiveness of implementing Risk Management,
Risiko yang antara lain: which includes:
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 risk exposure faced by the Company;
oleh Perusahaan;
3. Kecukupan proses identifikasi, pengukuran, pemantauan 3. Adequacy of risk identification, measurement, monitoring
dan pengendalian risiko; dan and control processes; and
4. Efektivitas sistem pengendalian internal yang menyeluruh. 4. Effectiveness of a comprehensive internal 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 berkomitmen mendukung penerapan The Company’s commitment to implementing sustainable
keuangan keberlanjutan dan pencapaian TPB. Komitmen finance and achieving TPB is strengthened by the
ini diperkuat dengan pengembangan roadmap untuk development of a roadmap for the implementation of the
pelaksanaan Rencana Aksi Keuangan Berkelanjutan Sustainable Finance Action Plan (RAKB) in order to achieve
(RAKB) sehingga pencapaian tujuan semakin terarah. Tugu targeted goals. Tugu Insurance has prepared long-term
Insurance telah menyusun target jangka panjang dalam targets in the 2021-2026 Sustainable Finance Action Plan
Rencana Aksi Keuangan Berkelanjutan (RAKB) 2021-2026. (RAKB). Furthermore, these long-term targets are formulated
Selanjutnya, target jangka panjang tersebut dirumuskan ke into medium-term targets in the RAKB each year. For this
dalam target jangka menengah pada RAKB tiap tahun. Untuk reason, the Company also sets short-term targets in the
itu, Perseroan juga menetapkan prioritas target dan strategi 2023 RAKB.
jangka pendek dalam RAKB 2023.
10 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
Page 11
Dalam roadmap ini, pelaksanaan keuangan berkelanjutan The roadmap is divided into four stages:
terbagi dalam 4 (empat) tahapan, yaitu:
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).
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
Fundamental yang Tumbuh dan berkembang
berkelanjutan berkualitas untuk produk
Tema Utama
Key Themes
kuat untuk keuangan secara berkesinambungan
antara lain: HR, teknologi, dan atau jasa keuangan
berkelanjutan berkelanjutan
produk, dan sosialisasi berkelanjutan
Establishing the Reinforcing Augmenting
Reinforcing Enablers in Reinforcing Framing
Fundamentals for and Proliferating
Sustainable Finance: HR, the Quality Growth of
Sustainable Finance Sustainable Finance
Technology, Products, Sustainable Financial
and Outreach Products and/or 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
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 11
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Kontribusi Terhadap Tujuan Pembangunan Berkelanjutan (TPB) [GRI 2-25]
Contribution to the Sustainable Development Goals (SDGs) [GRI 2-25]
Dengan dukungan kinerja keuangan yang baik maka With the support of good financial performance, Tugu
Tugu Insurance terus berkontribusi secara proaktif dalam Insurance continues to contribute proactively in supporting
mendukung pembangunan berkelanjutan di Indonesia, antara sustainable development in Indonesia, including through
lain melalui aktivitas kepedulian untuk kehidupan yang sehat, activities that care for healthy living, prioritizing safety and
mengutamakan keselamatan dan mendorong kesejahteraan promoting welfare for the community. This, at the same time,
bagi masyarakat. Hal ini sekaligus memperkuat komitmen strengthens Tugu Insurance’s commitment to supporting
Tugu Insurance dalam mendukung program pemerintah government programs related to the implementation of
berkaitan pelaksanaan pencapaian Tujuan Pembangunan achieving the goals according to Presidential Regulation
Berkelanjutan (TPB) sesuai Peraturan Presiden nomor 111 number 111 of 2022.
tahun 2022.
Kontribusi dan komitmen Tugu Insurance dalam pencapaian Tugu Insurance’s contribution and commitment to achieving
tujuan pembangunan berkelanjutan diwujudkan dalam Bakti sustainable development goals is manifested in Bakti
TUGU terdiri dari 4 (empat) pilar, yaitu Bakti untuk Kesehatan TUGU consisting of 4 (four) pillars, namely Service for the
dan Keselamatan, Bakti untuk Lingkungan Hidup, Bakti Environment, Service to Education and Financial Literacy and
untuk Pendidikan dan Literasi Keuangan dan Bakti untuk Service for Community Empowerment. In addition, several
Pemberdayaan Masyarakat. Selain itu, beberapa produk Tugu Insurance products and services are activity-oriented
dan layanan Tugu Insurance yang berorientasi kepada in the category of sustainable business activities (KKUB). In
aktivitas dengan Kategori Kegiatan Usaha Berkelanjutan summary, these contributions are described as follows:
(KKUB). Secara ringkas, kontribusi tersebut diuraikan
sebagai berikut:
Tabel Kontribusi terhadap Pencapaian TPB Tahun 2023
Table of Contribution to SDG Achievement in 2023
Pilar/Produk/
Jenis Kegiatan TPB*
No Layanan
Type of Activity SDGs*
Pillars/Products/Services
1 Bakti untuk Kesehatan Tugu Insurance ingin ikut berkontribusi dalam
dan Keselamatan menghadirkan kehidupan yang sehat, mengutamakan
Service for Health and keselamatan dan mendorong kesejahteraan bagi
Safety masyarakat.
Program Bakti untuk Kesehatan dan Keselamatan
meliputi: TPB#1 Tanpa Kemiskinan
• Ambulance Gratis; TPB#3 Kehidupan Sehat dan Sejahtera
• Pembangunan Fasilitas Air Bersih; SDG#1 No Poverty
• Bantuan akomodasi medis dan kebutuhan nutrisi SDG#3 Healthy and Prosperous Life
untuk anak penderita kanker;
• Donor Darah;
• Kampanye Keselamatan Berkendara;
• Kesehatan dan keselamatan kerja karyawan melalui
kebijakan HSE, penyediaan fasilitas medical check
up, asuransi kesehatan, dan sarana olahraga;
• Vaksinasi booster ke-2.
Tugu Insurance wants to contribute in presenting a
healthy life, prioritizing safety and promoting prosperity
for the community. The Service Program for Health and
Safety includes:
• Free Ambulance;
• Construction of Clean Water Facilities;
• Assistance in medical accommodation and
nutritional needs for children with cancer;
• Blood Donation;
• Road Safety Campaign.
• Employee health and safety through HSE policies,
providing medical check-up facilities, health
insurance, and sports facilities;
• 2nd booster vaccination.
12 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
Page 13
Tabel Kontribusi terhadap Pencapaian TPB Tahun 2023
Table of Contribution to SDG Achievement in 2023
Pilar/Produk/
Jenis Kegiatan TPB*
No Layanan
Type of Activity SDGs*
Pillars/Products/Services
2 Bakti untuk Lingkungan Tugu Insurance memberikan dukungan terhadap
Hidup berbagai aktivitas untuk tercapainya pengelolaan
Service for the sumberdaya alam dan lingkungan yang berkelanjutan,
Environment serta melakukan kegiatan-kegiatan guna mengatasi
perubahan iklim beserta dampaknya.
Program Bakti untuk Lingkungan Hidup meliputi:
• Perseroan menjadi leader konsorsium Asuransi
penyingkiran kerangka kapal termasuk tanggung
jawab polusi di laut;
• Penanaman pohon produktif; TPB#6 Air Bersih dan Sanitasi Layak
• Penanaman pohon mangrove; TPB#11 Kota dan Pemukiman Berkelanjutan
• Pembangunan infrasturuktur ekowisata; TPB#13 Penanganan Perubahan Iklim
• Edukasi lingkungan; TPB#14 Ekosistem Lautan
• Edukasi efisiensi penggunaan air, kertas dan listrik TPB#15 Ekosistem Daratan
di lingkungan perusahaan. SDG # 6 Clean Water and Sanitation
Tugu Insurance provides support for various activities SDG#11 Sustainable Cities and Communities
to achieve sustainable management of natural SDG#13 Climate Action
resources and the environment, as well as carry out SDG#14 Life Below Water
activities to address climate change and its impacts. SDG#15 Life on Land
Service Program for the Environment includes:
• The Company became the Leader of the
Consortium of Ship Wrecks Removal Insurance
including Pollution Liability at sea;
• Productive trees Planting;
• Mangrove tree planting;
• Ecotourism infrastructure development;
• Environmental education;
• Education on the efficiency of water, paper and
electricity usage in the company environment.
3 Bakti untuk Pendidikan Tugu Insurance mendukung peningkatan kualitas
dan Literasi Keuangan pendidikan yang inklusif dan merata serta
Service for Education and meningkatkan kesempatan belajar untuk masyarakat.
Financial Literacy
Program Bakti untuk pendidikan dan literasi keuangan
meliputi:
• Program beasiswa untuk mahasiswa berprestasi
dan mahasiswa kurang mampu;
• Pembangunan sarana dan prasarana pendidikan;
• Webinar pendidikan dan literasi keuangan untuk
mahasiswa dan masyarakat umum; TPB#4 Pendidikan Berkualitas
• Program Bekerja dan Belajar untuk mahasiswa; TPB#5 Kesetaraan Gender
• Inklusivitas karyawan melalui pendidikan dan TPB#8 Pekerjaan Layak dan Pertumbuhan Ekonomi
pelatihan untuk pengembangan karyawan. TPB#10 Berkurangnya Kesenjangan
Tugu Insurance supports the improvement of the SDG#4 Quality Education
quality of education that is inclusive and equitable and SDG#5 Gender Equality
increases learning opportunities for the community. SDG#8 Decent Work and Economic Growth
SDG#10 Reduced Inequalities
The Service for education and financial literacy
Program includes:
• Scholarship program for honors students and
underprivileged students;
• Construction of educational facilities and
infrastructure;
• Educational and financial literacy webinars for
students and the general public;
• Work and Study Program for university students;
• Employee inclusiveness through education and
training for employee development.
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 13
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Tabel Kontribusi terhadap Pencapaian TPB Tahun 2023
Table of Contribution to SDG Achievement in 2023
Pilar/Produk/
Jenis Kegiatan TPB*
No Layanan
Type of Activity SDGs*
Pillars/Products/Services
4 Bakti untuk Pemberdayaan Tugu Insurance ingin berperan aktif dalam
Masyarakat tercapainya pertumbuhan ekonomi berkualitas
Service for Community melalui keberlanjutan peluang kerja dan usaha untuk
Empowerment masyarakat.
Program Bakti untuk Pemberdayaan Masyarakat
meliputi:
• Pendidikan dan pelatihan kelompok tani;
• Pembangunan rumah pasca gempa.
Tugu Insurance intends to play an active role
in achieving quality economic growth through TPB#1 Tanpa Kemiskinan
the sustainability of employment and business TPB#2 Tanpa Kelaparan
opportunities for the community. TPB#8 Pekerjaan Layak dan Pertumbuhan Ekonomi
TPB#10 Berkurangnya Kesenjangan
Service Program for Community Empowerment SDG#1 No Poverty
includes: SDG#2 Zero Hunger
• Farmer group education and training; SDG#8 Decent Work and Economic Growth
• Post-earthquake house construction. SDG#10 Reduced Inequalities
5 Bantuan Sosial, • Dana Bantuan untuk Paket Sembako pada Bakti
Keagamaan, dan Seni Sosial Ramadhan & Idul Fitri 1444 H
Budaya • Bakti Sosial Kegiatan Komunitas Bergerak PESIAR
Social, Religious, and Pertamina Shared & Involve Community with Good
Cultural Arts Assistance Action on Ramadan
• Sumbangan Hewan Qurban Idul Adha 1444H
• Partisipasi Kegiatan Seni Budaya Nasional 2023:
Panggung Cakrawala Nusantara (Pancawarna)
SMAN 81 Jakarta
• Donasi Dompet Kemanusiaan Palestina AASI
• Santunan Anak Yatim pada Buka Puasa Bersama TPB#1 Tanpa Kemiskinan
1444H TPB#2 Tanpa Kelaparan
• Donation Funds for Basic Food Packages at Social TPB#4 Pendidikan Berkualitas
Services for Ramadan & Eid al-Fitr 1444 H TPB#11 Kota dan Komunitas Berkelanjutan
• PESIAR Mobile Community Activity Social Service - SDG#1 No Poverty
Pertamina Shared & Involve Community with Good SDG#2 Zero Hunger
Action on Ramadan SDG#4 Quality Education
• Eid al-Adha 1444H Qurban Animal Donation SDG#11 Sustainable Cities and Communities
• National Cultural Arts Activity Participation 2023:
Stage Cakrawala Nusantara (Pancawarna) SMAN
81 Jakarta
• AASI Palestine Humanitarian Wallet Donation
• Donation for Orphans at 1444H Iftar Gathering
6 Layanan Aplikasi t drive Penggunaan aplikasi t drive telah mendukung
t drive Application Service pencegahan dan pengendalian polusi emisi karbon,
serta mengurangi tingkat kecelakaan
kendaraan bermotor. Aplikasi ini dibuat untuk
mengedukasi masyarakat agar cerdas berkendara.
The use of the t drive application has supported TPB#3 Kehidupan Sehat dan Sejahtera
the control of carbon emission pollution, as well TPB#11 Kota dan Komunitas Berkelanjutan
as reducing the rate of motorcycle accidents. This TPB#13 Penanganan Perubahan Iklim
application is designed to educate the public to drive SDG#3 Good Health and Well-Being
smart. SDG#11 Sustainable Cities and Communities
SDG#13 Climate Action
14 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
Page 15
Tabel Kontribusi terhadap Pencapaian TPB Tahun 2023
Table of Contribution to SDG Achievement in 2023
Pilar/Produk/
Jenis Kegiatan TPB*
No Layanan
Type of Activity SDGs*
Pillars/Products/Services
7 Layanan Aplikasi t friends Penggunaan aplikasi t friends untuk mempermudah
t friends Application tenaga pemasaran Tugu Insurance baik internal
Service (marketing officer) maupun eksternal (agent Tugu
Insurance) dalam menjual produk Asuransi dari
Tugu Insurance. Produk aplikasi ini tergolong ramah
lingkungan dan rendah emisi karena berbasis teknologi
dan internet, serta mendukung pemberdayaan ekonomi
masyarakat melalui sistem keagenan asuransi.
The t friends application is utilized to facilitate Tugu
Insurance marketing personnel both internal (marketing
officers) and external (Tugu Insurance agents) in TPB#3 Kehidupan Sehat dan Sejahtera
selling insurance products from Tugu Insurance. This TPB#8 Pekerjaan Layak dan Pertumbuhan Ekonomi
application is classified as environmentally friendly TPB#11 Kota dan Komunitas Berkelanjutan
and low emission because it is based on technology TPB#13 Penanganan Perubahan Iklim
and the internet, and supports community economic SDG#3 Good Health and Well-Being
empowerment through the insurance agency system. SDG#8 Decent Work and Economic Growth
SDG#11 Sustainable Cities and Communities
SDG#13 Climate Action
8 Penerapan Tata Kelola Penerapan tata kelola yang baik dilakukan secara
Perusahaan yang Baik konsisten mulai dari kelengkapan kebijakan dan
Implementation of Good Standard Operating Procedure (SOP), sosialisasi dan
Corporate Governance evaluasi, pengendalian internal dan manajemen risiko
yang handal, penegakan kode etika dan perilaku
melalui SMAP penerapan Audit surveillance. TPB#16 Perdamaian, keadilan, dan
The implementation of good governance is carried out kelembagaan yang kuat
consistently starting from the completeness of policies TPB#17 Kemitraan untuk Mencapai Tujuan
and standard operating procedures (SOP), socialization SGD#16 Peace, Justice and Strong
and evaluation, reliable internal control and risk Institutions
management, enforcement of the code of ethics and SDG#17 Partnerships for the Goals
code of conduct through SMAP implementation Audit
surveillance.
*) Pemilihan TPB berdasarkan jenis program yang dilaksanakan pada tahun buku 2023
*) SDG selection is based on the type of program implemented in the 2023 financial year
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 15
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
02
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Ikhtisar Kinerja
Aspek Keberlanjutan
Sustainability Aspects
Performance Overview
16 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
Page 17
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 17
Page 18
1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Overview
Aspek Ekonomi [OJK B.1]
Economic Aspects [OJK B.1]
Uraian Satuan
2023* 2022* 2021*
Description Unit
a. Kuantitas produksi atau jasa yang dijual Kegiatan Usaha 2 (dua) usaha: 2 (dua) usaha: 2 (dua) usaha:
Quantity of production or services sold Business Activities • Asuransi • Asuransi • Asuransi
Konvensional Konvensional Konvensional
• Asuransi Syariah • Asuransi Syariah • Asuransi Syariah
2 (two) businesses: 2 (two) businesses: 2 (two) businesses:
• Conventional • Conventional • Conventional
Insurance Insurance Insurance
• Sharia Insurance • Sharia Insurance • Sharia Intsurance
b. Pendapatan1) Miliar Rupiah
Revenues1) Billions of 3.591 3.094 2.816
Rupiah
c. Laba atau rugi bersih Miliar Rupiah
Net Income or Loss Billions of 1.302 395 327
Rupiah
d. Jumlah Produk ramah lingkungan2) Produk Asuransi mobil listrik Asuransi mobil listrik Asuransi mobil listrik
Number of Eco-friendly Products2) Products Electric vehicle Electric vehicle Electric vehicle
insurance insurance insurance
e. Jumlah Pemasok Lokal 3) Perusahaan
98 97 88
Number of Local Suppliers3) Companies
1)
Data Konsolidasian | Consolidated Data
2)
Penyaluran kredit terhadap Kegiatan Usaha Berkelanjutan (KUB) | Distribution of loans for sustainable business activities (KUB)
3)
Data Induk Perusahaan | Parent Company Data
Aspek Lingkungan Hidup [OJK B.2]
Environmental Aspects [OJK B.2]
Uraian Satuan
2023 2022 2021
Description Unit
a. Penggunaan energi
GigaJoule 2.507 1.810 1.800
Energy Consumption
1. Penggunaan Listrik
kWH 252.116 261.112 239.607
Electricity Consumption
GigaJoule 907 940 863
2. Penggunaan BBM
Fuel Consumption
Pertamax Turbo Liter 19.217 1.201 14.160
Pertamax Liter 23.891 21.937 14.242
Pertamina Dex Liter 4.942 2.954 -
GigaJoule 1.600 870 937
3. Penggunaan Air
M3 27.064 22.894 8.467,69
Water Consumption
Liter 27.064.331 22.894.000 40.400.000
18 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Uraian Satuan
2023 2022 2021
Description Unit
b. Selisih Penambahan (Pengurangan) emisi
Difference in Addition (Reduction) of
emissions
1. Emisi GRK Cakupan 1 (BBM)
KgCO2eq 50.973 (4.158) 7.083
Direct (Scope 1) GHG Emissions
2. Emisi GRK Cakupan 2 (Listrik)
KgCO2eq (8.403) 20.086 (161.183)
Indirect (Scope 2) GHG Emissions
3. Emisi GRK Cakupan 3 (Pesawat)1)
KgCO2eq 29.509 6.116 -
Scope 3 GHG Emissions (Aircraft)1)
c. Penambahan (Pengurangan) limbah dan
Ton
efluen2) 77, 71 16,71 -
Tons
Addition (Reduction) of waste and effluents2)
d. Pelestarian keanekaragaman hayati
Biodiversity conservation
1. Penanaman pohon Pohon
2.600 21.500 20.000
Tree planting Trees
2. Dana Pelestarian alam3) Juta Rupiah
Nature Conservation Funds3) Millions of 365 200 167
Rupiah
1)
Penghitungan data mulai tahun 2023
2)
Penghitungan data mulai tahun 2022
3)
Realisasi dana dari dari RKAP 2023 sebesar Rp100 juta dan dana RKAP Akrual 2022 sebesar Rp265 juta
1)
Data calculation starts in 2023
2)
Data calculation starts in 2022
3)
Realization of funds from 2023 RKAP of IDR100 million and 2022 Accrual RKAP funds amounting to IDR265 million
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 19
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Aspek Sosial [OJK B.3]
Social Aspects [OJK B.3]
Uraian Satuan
2023 2022 2021
Description Unit
a. Kontribusi terhadap masyarakat melalui Bakti TUGU sebagai berikut:
Contribution to Society through Bakti TUGU:
1. Pilar Kesehatan & Keselamatan Juta Rupiah
460* 204 877
Health & Safety Pillar Millions of Rupiah
2. Pilar Pendidikan & Literasi Keuangan Juta Rupiah
2.839* 156 57
Education Pillar & Financial Literacy Millions of Rupiah
3. Pilar Lingkungan Hidup (mencakup
program pelestarian keanekaragaman
hayati/pelestarian alam dan program
pengelolaan lingkungan hidup) Juta Rupiah
100 362 167
Environment Pillar (includes biodiversity Millions of Rupiah
conservation/nature conservation
programs and environmental
management programs)
4. Pilar Pemberdayaan Masyarakat Juta Rupiah
254 49 55
Community Empowerment Pillar Millions of Rupiah
5. Total Kontribusi Bakti TUGU Juta Rupiah
3.653* 771 1.156
Total Contribution of Bakti TUGU Millions of Rupiah
b. Jumlah pelanggaran terhadap peraturan
terkait sosial ekonomi Kasus Nihil Nihil Nihil
Number of violations of socio-economic- Cases 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 of Community Development positif terhadap lingkungan. Dengan adanya penanaman pohon, kelompok tani dan 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, Perusahaan juga
berkontribusi dalam memberikan bantuan pendidikan dan literasi atau edukasi keuangan bagi
masyarakat luas tentang pengenalan produk asuransi, perencanaan keuangan serta edukasi
terhadap risiko asuransi, serta melalui kehadiran aplikasi cerdas tdrive dan tfriends juga
memberikan manfaat kepada masyarakat luas.
Begitu juga dengan program pembangungan fasilitas air bersih maupun rumah pasca bencana
gempa terutama yang berkaitan erat terhadap aspek pemberdayaan masyarakat. 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 implemented through the 4 (four) Pillars of Bakti TUGU are interrelated. The nature
conservation programs included in the Environmental Pillar do not only have a positive impact on
the environment. By planting trees, farmer groups and community groups are also empowered so
that it also has economic impact. The Health and Safety Program provides easy access for the
wider community to receive treatment, especially disadvantaged communities. Meanwhile, the
Company also contributes to providing educational assistance and financial literacy or education
for the wider community on the introduction of insurance products, financial planning and
education on insurance risks, and through the presence of smart applications such as tdrive and
tfriends which are also provide benefits to the wider community.
Likewise, the program to build clean water facilities and houses post-earthquake disaster,
especially those that are closely related to aspects of community empowerment. This is
conducted with the goal that the community will be able to empower themselves and be able to
improve their standard of living supported by good financial literacy and adequate environmental
aspects.
20 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Uraian Satuan
2023 2022 2021
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 sector in the Insurance Industry does not have a negative
impact on society. However, the company exists to offer alternative risk management solutions for
the public and corporations through products and general insurance services both conventional
and sharia-based in the corporate and retail business segment.
e. Upaya penanganan dampak negative Perusahaan memberikan kemudahan dan akses informasi produk dan layanan asuransi, jaringan,
Efforts to Handle Negative Impacts 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 center, availability of features and application/
service platforms that suit people's 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.
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 21
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
03
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Penjelasan
Direksi
An Explanation from Board of Directors
22 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 23
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Penjelasan Direksi
Board of Director’s Explanation
Keberhasilan kinerja Tugu
Insurance di tahun 2023
merupakan hasil komitmen
Perseroan untuk senantiasa
mengelola risiko dari
berbagai aspek operasional
dengan mengedepankan
dukungan inovasi digitalisasi
sehingga dapat konsisten
mengimplementasikan strategi
yang telah di tetapkan guna
peningkatan pemberian
manfaat baik kepada
Stakeholders.
The successful performance of
Tugu Insurance in 2023
is the result of the Company’s
commitment to continuously
manage risks from various
operational aspects
by prioritizing the support of
digitalization innovation so it
can consistently implement the
strategies that have been set to
increase the provision of good
benefits to Stakeholders.
Tatang Nurhidayat
Presiden Direktur
President Director
24 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
Page 25
Pemegang saham dan pemangku kepentingan Dear Honorable Shareholders and Stakeholders, yang kami hormati, Penerapan Environmental, Social & Governance (ESG) sebagai The implementation of Environmental, Social & Governance partisipasi aktif mendukung SDG’s telah menjadi keharusan (ESG) has become a mandatory and its implementation has dan semakin diperkuat penerapannya secara global. Industri been increasingly reinforced globally. The financial industry, keuangan, khususnya industri asuransi, diharapkan dapat specifically the insurance industry, is expected to raise its meningkatkan kesadaran mengenai penerapan prinsip- awareness on the principles of ESG to encourage healthy prinsip ESG untuk mendorong pertumbuhan bisnis yang and sustainable business growth. sehat dan berkelanjutan. Penerapan prinsip-prinsip ESG dan konsep keberlanjutan The implementation of ESG principles and sustainability sebagai salah satu elemen krusial dalam menjalankan concepts is one of the crucial elements in operating bisnis dan investasi secara berkelanjutan. Standar kinerja sustainable business and investment. This performance ini mengharuskan sektor bisnis untuk berkontribusi standard encourages business sectors to contribute in dalam pelestarian lingkungan, peningkatan kesejahteraan environmental conservation, increased community welfare, masyarakat, dan menetapkan standar tata kelola yang and implementation of good governance standard in a baik di suatu perusahaan. Sejak diperkenalkan, ESG company. Since its introduction, ESG has been implemented telah diterapkan secara luas di berbagai sektor bisnis di widely in all business sectors, including insurance. Indonesia, termasuk industri asuransi. Seiring dengan itu, Tugu Insurance menerapkan prinsip- In line with that, Tugu Insurance also implements ESG and prinsip ESG dan keberlanjutan pada kerangka pengelolaan sustainability principles in its governance, by taking into bisnis asuransi dengan mempertimbangkan aspek ekonomi, account the aspects of economy, social, and environmental, sosial dan lingkungan, serta pembangunan berkelanjutan. as well as sustainable development. As a form of social Sebagai bentuk tanggung jawab sosial dan bakti kepada responsibility and its service to the country, Tugu Insurance negara, Tugu Insurance turut berkontribusi dalam pencapaian contributed in the achievement of sustainable development pencapaian pembangunan berkelanjutan melalui program through sustainable finance programs and social and keuangan berkelanjutan dan program Tanggung Jawab environmental responsibility programs, in the form of Sosial dan Lingkungan (TJSL) berupa program “Bakti TUGU ‘Bakti TUGU’ (which stands for Bersatu Aksi Kepedulian ” (Bersatu Aksi Kepedulian Tugu Insurance). Selanjutnya, Tugu Insurance or Working Together in an Act of Caring by kami merangkum dan menyampaikan berbagai kontribusi TUGU Insurance). We also summarize and deliver various Perseroan terhadap pembangunan nasional dan TPB dalam Company’s contribution on national development and SDGs laporan keberlanjutan selama tahun 2023. Laporan ini in the Sustainability Report of 2023. This report covers all mencakup informasi mengenai berbagai kebijakan, strategi, information on policies, strategies, sustainable initiatives, inisiatif-inisiatif keberlanjutan, kinerja ekonomi, kinerja sosial social, economic, and environmental performances, dan lingkungan, tata kelola serta dampak terkait dengannya. governance as well as the related impacts. Laporan Keberlanjutan ini juga merupakan bentuk kepatuhan This sustainability report is a form of compliance of the Perseroan atas pemberlakukan Peraturan Otoritas Jasa Company on the implementation of OJK regulation No. Keuangan (OJK) No. 51/POJK.03/2017 tentang Penerapan 51/POJK.03/2017 on Implementation of Sustainable Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Finance for Financial Service Institution, Issuers, and Public Emiten dan Perusahaan Publik, serta Surat Edaran OJK Companies, and OJK Circular Letter No. 16/SEOJK.03/2021 No. 16/SEOJK.03/2021 tentang Bentuk dan Isi Laporan on the Form and Content of the Issuers’ and Public Tahunan Emiten atau Perusahaan Publik. Companies’ Annual Report. PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 25
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Dalam proses penyusunan laporan, selain merujuk In its drafting process, in addition to referring to the
terhadap ketentuan tersebut, kami juga telah mengadopsi regulations, We also adopt the Global Reporting Initiative
standar internasional Global Reporting Initiative (GRI) (GRI) standards for the disclosure of material topics during
untuk pengungkapan topik-topik material selama the reporting period.
periode pelaporan.
Kebijakan Merespon Tantangan Dalam Strategi Keberlanjutan [OJK D.1]
Policies in Responding Challenges in Sustainable Strategy (OJK D.1)
Penerapan ESG dalam industri asuransi tidak hanya karena The implementation of ESG in insurance industry is not
tuntutan regulator, investor, dan nasabah, tetapi juga sebagai only based on the demands of the regulator, investors and
tanggapan terhadap dampak nyata perubahan iklim yang customers, but also as a response to the real impacts of
semakin dirasakan oleh dunia bisnis dan masyarakat. climate change that are increasingly reflected in business
and society.
Penerapan prinsip-prinsip ESG tersebut memberikan dampak The implementation of ESG principles gave a positive impact
positif terhadap industri asuransi, baik dari segi finansial on insurance industry, whether from the financial aspects
maupun citra publik. Dalam beberapa tahun terakhir, tercatat or in the public image. In the last couple of years, it was
bahwa perusahaan dengan nilai ESG yang tinggi cenderung recorded that the company with high ESG score tends to
memiliki kinerja investasi dan profitabilitas yang lebih baik. have a better performance of investment and profitability.
Oleh karena itu, Perseroan menjadikan ESG sebagai standar Thus, the Company makes ESG as a standard of long-term
kinerja jangka panjang demi keberlanjutan bisnis di masa performance for the business sustainability in the future. The
depan. Bahkan respon terhadap isu keberlanjutan diperkuat response to the sustainability issues was even strengthen
dengan peran Tugu Insurance sebagai Leader di Konsorsium with Tugu’s role as the leader in the Insurance Consortium
Asuransi yang juga bertujuan untuk mendorong kelestarian which also aims to encourage sea biodiversity that is stated
alam laut yakni Konsorsium Asuransi Penyingkiran Kerangka in the Insurance Consortium on the Wreck Removal as a part
Kapal yang termasuk bagian dari tanggung jawab polusi laut. of sea pollution responsibility.
Nilai keberlanjutan yang dimiliki Sustainability Values Owned
Seiring dengan berjalannya waktu, Perseroan terus As time goes by, the Company keeps on growing and
tumbuh memberikan manfaat bagi masyarakat dan turut providing benefits for the society, and contributing to the
berkontribusi terhadap pembangunan bangsa. Pertumbuhan development of the country. These growths are due to
tersebut tidak lepas dari dukungan Pemegang Saham dan the involvement of the shareholders and cooperation with
kerja sama dengan pemangku kepentingan. Pencapaian stakeholders. The achievement of the Company today
Perseroan hari ini juga merupakan hasil kerja keras jajaran is a result of the hard work of the management and the
manajemen dan kesungguhan seluruh karyawan bekerja employees in working based on the sustainability values
berlandaskan nilai nilai keberlanjutan yang tercermin dalam reflected in the Company values of “6C”, namely Clean,
nilai-nilai Perseroan “6C” yaitu Bersih (Clean), Komitmen Committed, Capable, Creative, Collaborative, and Customer
(Committed), Kapabilitas (Capable), Kreatif (Creative), Focused. This is also reinforced by applying the core value
Kolaboratif (Collaborative) dan Fokus pada Pelanggan AKHLAK which stands for Amanah (Trustworthy), Kompeten
(Customer Focused). Hal ini juga diperkuat dengan penerapan (Competent), Harmonis (Harmonious), Loyal, Adaptif
core value “AKHLAK” yaitu Amanah, Kompeten, Harmonis, (Adaptive) and Kolaboratif (Collaborative).
Loyal, Adaptif dan Kolaboratif.
Merujuk pada visi, misi serta eksistensi Tugu Insurance Referring to the Company’s vision, missions, and the
sebagai Emiten anak perusahaan BUMN PT Pertamina existence of Tugu Insurance as the Subsidiary Issuers
(Persero), Perseroan memiliki komitmen untuk proaktif of the SOE PT Pertamina (Persero), the Company has
mendukung SDGs khususnya melalui pencapaian di aspek the commitment to be proactive in achieving SDGs,
ESG. Kami mengedepankan nilai-nilai keberlanjutan ekonomi, especially through achievement in ESG aspects. We
sosial dan lingkungan serta tata kelola, untuk mengupayakan prioritized economic, social, environmental, and governance
keberlanjutan usaha Perseroan. Selain itu juga guna sustainability values to create sustainability in the
memberikan nilai tambah kemanfaatan bagi segenap Company’s business. Moreover, it is also to provide added
pemangku kepentingan dan peran aktif terhadap dukungan value benefits for all stakeholders and an active role in
pelestarian lingkungan hidup. supporting environmental conservation.
Nilai-nilai keberlanjutan telah melandasi dan menjiwai The sustainability values have formed and created the
26 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
Page 27
terbentuknya budaya Perseroan. Oleh karena itu, Tugu corporate culture. Therefore, Tugu Insurance always Insurance selalu menjalankan nilai-nilai budaya dan implements its corporate values and code of conduct that kode etik yang menjadi pedoman insan Perseroan dalam becomes the guidelines of the Company’s employees in mengelola operasional bisnis dan berinteraksi dengan organizing business and interacting with stakeholders. pemangku kepentingan. Nilai-nilai tersebut juga dipastikan Those values are also integrated with the implementation terintegrasi dengan penetapan Rencana Jangka Panjang of the Company’s Long-Term Plan, Company’s Work plan and Perusahaan (RJPP), Rencana Kerja dan Anggaran Perusahaan Budget, and Corporate Values governance, so that in its (RKAP) dan tata nilai budaya Perusahaan, sehingga implementation can be constantly monitored and evaluated implementasinya dapat dipantau dan dievaluasi berkala periodically using Key Performance Indicators, Financial melalui Key Performance Indicators (KPI), Laporan Keuangan, Statement, Annual Report, Sustainability Report, and Laporan Tahunan, Laporan Keberlanjutan, Laporan Sustainable Financial Activities Planning Report. In addition, Rencana Aksi Keuangan Berkelanjutan. Selain itu, dalam in its implementation, it is also supported by issuance pelaksanaannya juga didukung dengan penerbitan berbagai of SOPs, work guidelines, and others, to ensure that all Standard Operating Procedure (SOP), Pedoman Kerja, dan operational aspects of the Company is moving forward for sebagainya guna memastikan seluruh aspek operasional the achievement of Economy, Social, Environmental, and Perseroan selalu bergerak maju selaras untuk pencapaian Governance sustainability. keberlanjutan ekonomi, sosial & lingkungan serta tata kelola. Respon terhadap isu-isu yang terkait Keuangan Responses on Issues related to Sustainable Berkelanjutan Finance Perseroan meyakini pentingnya penerapan kegiatan The Company believes on the importance of implementing keuangan berkelanjutan dengan dukungan pemahaman yang sustainable financial activities, supported by a proper selaras dari karyawan, sehingga tercapai dengan tujuan understanding from the employees to achieve optimum kegiatan keuangan berkelanjutan secara optimal. Disamping sustainable financial activities. At the same time, financial itu industri di sektor jasa keuangan juga akan terpengaruh service sector will also be influenced by the achievement oleh pencapaian index literasi dan inklusi keuangan nasional of national financial literacy and inclusion as shown by yang dapat kita ketahui melalui Hasil Survei Nasional dan the results of National Survey and Financial Inclusion Inklusi Keuangan (SNLIK) yang dilaksanakan berkala dua (SNLIK) which is held every two years by OJK. The results of tahun sekali oleh Otoritas Jasa Keuangan (OJK). Hasil SNLIK in 2022 showed an index of financial literacy of the SNLIK terakhir di tahun 2022 menunjukkan indeks literasi Indonesian people of 49.68%, or increased when compared keuangan masyarakat Indonesia sebesar 49,68%, naik to 2020 which was 38.03%. Meanwhile, the result of dibanding dua tahun sebelumnya yang hanya 38,03%. financial inclusion reached 85.10%, which also increased Sementara indeks inklusi keuangan mencapai 85,10%, when compared to 2020 of 76.19%. This shows that the meningkat dibanding periode SNLIK sebelumnya yaitu gap between literacy and inclusion levels is declining, from 76,19%. Hal tersebut menunjukkan gap antara tingkat 38.16% in 2019 to 35.42% in 2022. literasi dan tingkat inklusi semakin menurun, dari 38,16% di tahun 2019 menjadi 35,42% di tahun 2022. Dengan kondisi tersebut, Tugu Insurance konsisten untuk Against these condition, Tugu Insurance consistently berperan aktif melakukan kegiatan-kegiatan literasi dan plays an active role in conducting sustainable financial inklusi keuangan berkelanjutan kepada masyarakat, literacy and inclusion activities to the community to gain sehingga mendapatkan pemahaman yang semakin baik. a better understanding. The Company also addressed the Perseroan juga merespon terhadap perubahan iklim dan climate change and social conditions in the “Bakti TUGU” kondisi sosial masyarakat dalam program “Bakti TUGU” program (Bersatu Aksi Kepedulian Tugu Insurance) with (Bersatu Aksi Kepedulian Tugu Insurance) dengan dana funds amounting to IDR3,65 billion. However, the Company sebesar Rp3,65 miliar. Namun untuk keseluruhan aktivitas has used funds totaling IDR4.03 billion sourced from the TJSL guna mendukung SDGs melalui pencapaian aspek 2023 Work Plan and Budget (RKAP) and IDR265 million ESG, Perusahaan telah menggunakan dana total mencapai from the 2022 Accrual Work Plan and Budget (RKAP) for all Rp4,03 miliar yang bersumber dari RKAP 2023 dan Rp265 TJSL activities implemented to support SDGs through the juta dari RKAP Akrual 2022. Adapun Bakti TUGU memiliki achievement of ESG aspects. Bakti TUGU has 4 (four) main memiliki 4 (empat) pilar utama yaitu: Program Lingkungan pillars, namely Environmental, Safety and Security, Financial Hidup, Program Kesehatan & Keselamatan, Program Literacy and Education, and Community Empowerment Pendidikan & Literasi Keuangan, dan Program Pemberdayaan Programs. Masyarakat. PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 27
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Di samping itu, secara internal Perseroan berupaya In addition, internally, the Company is proactively internalizing
proaktif dalam proses internalisasi konsep dan praktik the sustainable financial concept and practice to all of its
keuangan berkelanjutan kepada seluruh karyawan, serta employees, and increase understanding through several
meningkatkan pemahaman melalui berbagai pelatihan sustainable finance trainings.
keuangan berkelanjutan.
Komitmen Pimpinan Dalam Penerapan Commitment of the Management on the
Keberlanjutan Implementation of Sustainability
Perseroan berkomitmen penuh untuk mendukung The Company is fully committed to support the
pelaksanaan program keuangan berkelanjutan dan implementation of sustainable finance programs and
penerapan prinsip-prinsip ESG. Hal ini diperkuat dengan implementation of ESG principles. This is strengthened with
program-program keuangan keberlanjutan yang tercantum sustainable finance programs stated in Sustainable Finance
dalam Rencana Aksi Keuangan Berkelanjutan (RAKB) dan Action Plan (RKAB) and the submission of Sustainability
penyampaian Laporan Keberlanjutan (Sustainability Report). Report. Tugu Insurance also shows its contribution to
Dengan program-program yang telah dirumuskan dalam support the achievement of SDGs, following the programs
RAKB, Tugu Insurance juga menunjukkan kontribusi dalam formulated in RAKB.
mendukung pencapaian Tujuan Pembangunan Berkelanjutan
(TPB).
Selain itu, sebagai salah satu wujud komitmen Manajemen In addition, as a form of commitment of the management
dalam mendukung pelaksanaan keberlanjutan, Perseroan in supporting the implementation of sustainability, The
telah menunjuk pejabat atau unit kerja Corporate Company has appointed an official or Corporate Secretary
Secretary, dengan pelaksana utamanya berada di bawah work unit, with the lead implementer under the Government,
fungsi Government, PR & CSR Departemen, dimana pada PR & CSR Department, where the implementation of the
implementasi programnya juga berkolaborasi dengan program also collaborates with several other work functions.
beberapa fungsi kerja lainnya.
Tantangan Dalam Menerapkan Keuangan Challenges in Implementing Sustainable Finance
Berkelanjutan
Salah satu yang menjadi isu strategis dan tantangan One of the strategic issues and challenges in Indonesia
yang ada di Indonesia adalah tingkat pemahaman dan is the level of public understanding and knowledge of
pengetahuan masyarakat tentang keuangan berkelanjutan sustainable finance in the insurance sector. OJK data shows
pada sektor perasuransian. Data OJK menunjukkan tingkat that the level of insurance penetration in Indonesia in 2022
penetrasi asuransi di Indonesia pada tahun 2022 masih is still fairly low, and the level of insurance density is also
cukup rendah, dan tingkat densitas asuransi juga masih still unoptimized.
berada pada level yang belum optimal.
Dari perspektif konsumen, berdasarkan Survei Nasional From a consumer perspective, based on the National Survey
Literasi dan Inklusi Keuangan (SNLIK) yang dilakukan OJK di of Financial Literacy and Inclusion (SNLIK) conducted by
survei terakhir tahun 2022, literasi dan inklusi pada sektor OJK in the last survey in 2022, literacy and inclusion in the
asuransi masih di bawah level lembaga jasa keuangan yang insurance sector are still below the level of other financial
lain. Disamping itu, terdapat gap antara tingkat literasi services institutions. Additionally, there is a gap between the
pada sektor perasuransian yang berada pada level 31,7% level of literacy in the insurance sector which is at the level
dengan tingkat inklusi pada level 16,6%. Hal ini merupakan of 31.7% and the level of inclusion at the level of 16.6%.
salah satu indikasi bahwa masih ada faktor tertentu yang This is one indication that there are still certain factors that
menurunkan minat masyarakat untuk berasuransi, walaupun reduce public interest in insurance, even though some of
sebagian dari masyarakat tersebut memahami manfaat these people understand the benefits of insurance products
produk asuransi untuk mengelola risiko individu dan to manage individual risks and business risks.
risiko bisnis.
28 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Selain itu, pada industri perasuransian masih terdapat Moreover, there are still several strategic issues in the
beberapa isu strategis, yang diantaranya terkait dengan insurance industry, including those related to capital
dukungan permodalan perusahaan perasuransian, support for insurance companies, problem solving of
penyelesaian permasalahan perusahaan asuransi troubled insurance companies, digitalization to support
bermasalah, digitalisasi untuk mendukung efektivitas dan the effectiveness and efficiency of insurance business
efisiensi proses bisnis asuransi, dan jangkauan layanan processes, and the range of insurance company services.
perusahaan perasuransian.
Tantangan lainya yaitu belum terdapat regulasi secara Another challenge is that there are no specific regulations
spesifik yang mengatur pelaksanaan aksi keberlanjutan governing the implementation of sustainability actions for
untuk industri asuransi. Oleh karena itu, Perseroan the insurance industry. Therefore, the Company used existing
menggunakan ketentuan yang ada seperti POJK No. regulations such as POJK No. 51/2017 and best practices
51/2017 dan praktik terbaik perusahaan lain sebagai acuan of other companies as a reference for implementing
pelaksanaan aksi keberlanjutan. sustainability actions.
Penerapan Keuangan Berkelanjutan [OJK D.2]
Implementation of Sustainable Finance (OJK D.2)
Tugu Insurance telah menetapkan komitmen keberlanjutan Tugu Insurance has established a sustainability commitment
dengan kebijakan Surat Keputusan Direksi No. 01/ with the policy of the Decree of the Board of Directors
SKD/06/ERL-ATPI/I/2022 tanggal 6 Januari 2022 tentang No. 01/SKD/06/ERL-ATPI/I/2022 dated 6 January
Penerbitan Pedoman Tanggung Jawab Sosial dan Lingkungan 2022 concerning the Corporate Social Responsibility
Perusahaan No. A-001/7100/2021. Pelaksanaan CSR dan program strategy policy/Issuance of Corporate Social
keuangan berkelanjutan merupakan bentuk keikutsertaan and Environmental Responsibility Guidelines No.
industri keuangan dalam mendukung pencapaian Tujuan A-001/7100/2021. The implementation of CSR and
Pembangunan Berkelanjutan (TPB). sustainable finance is a form of participation of the financial
industry in supporting the achievement of SDGs.
Pencapaian Kinerja Keberlanjutan Terhadap Target The Achievement of Sustainable Performance on
Ekonomi, Lingkungan & Sosial (ELS) dan Tahun Economic, Environmental & Social (EES) Target
sebelumnya and Previous Year’s Achievement
Pada tahun 2023, Perseroan telah mencatat kinerja produk In 2023, the Company has recorded the performance of
asuransi dengan perolehan premi bruto asuransi mencapai insurance products with gross insurance premium income
Rp7,7 triliun, lebih tinggi 15% dibandingkan perolehan premi reaching IDR7.7 trillion, 15% higher than the previous year’s
bruto asuransi tahun sebelumnya sebesar Rp6,7 triliun. gross insurance premium income of IDR6.7 trillion. Income
Laba tahun berjalan tercatat Rp1,32 triliun, naik 281% for the year was recorded at IDR1.32 trillion, increased
dibandingkan laba tahun berjalan periode tahun sebelumnya 281% compared to the previous year’s of IDR347 billion.
Rp347 miliar. Aset Perseroan tercatat Rp25,14 triliun, naik The Company’s assets were recorded at IDR25.14 trillion,
16,5% dibandingkan jumlah aset periode tahun sebelumnya which is 16.5% higher compared to total assets in the
Rp21,58 triliun. Sedangkan Ekuitas turut meningkat previous year of IDR21.58 trillion. Meanwhile, Equity also
sebesar 12,1% dari Rp9,17 triliun menjadi Rp10,28 triliun. increased by 12.1% from IDR9.17 trillion to IDR10.28 trillion.
Secara umum, secara umum kinerja keuangan Perseroan In general, the Company’s financial performance based on
berdasarkan rasio-rasio keuangan mengalami peningkatan. financial ratios has improved. Meanwhile, total expenses
Sementara itu total beban tercatat Rp1,96 triliun mengalami were recorded at IDR1.96 trillion, a decrease of 24%
penurunan sebesar 24% dibanding dari periode yang sama compared to the same period last year of IDR2.59 trillion.
tahun lalu sebesar Rp2,59 triliun.
Sementara, Perolehan tingkat Risk Based Capital (RBC) yang Meanwhile, the Risk Based Capital (RBC) level, which
tetap dinamis, tercatat mencapai 530,36% jauh di atas remains dynamic, was recorded at 530.36%, significantly
ketentuan batas minimum OJK yaitu sebesar 120%. Hal ini above the OJK minimum limit of 120%. This shows the
menunjukkan tingkat kesehatan keuangan Perseroan yang Company’s a sound level of financial health in managing the
baik dalam pengelolaan bisnis asuransi. insurance business.
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 29
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Pada aspek lingkungan, Perseroan melaksanakan program In the environmental aspect, the Company implemented
TJSL - Bakti TUGU untuk pilar lingkungan hidup melalui fungsi the TJSL - Bakti TUGU program for the environmental pillar
Government, PR & CSR dengan realisasi dana dari RKAP through the Government, PR & CSR function with the
2023 sebesar Rp100,50 juta dan dana RKAP Akrual 2022 realization of funds from the 2023 RKAP of IDR100.50
sebesar Rp265 juta. million and 2022 Accrual RKAP funds of IDR265 million.
Selama periode tahun 2023, Perseroan telah melakukan The Company planted 2,600 trees as part of its tree
pelestarian pohon dengan menanamkan 2.600 pohon. preservation efforts in 2023. These activities also contribute
Kegiatan-kegiatan tersebut juga berkontribusi terhadap to the achievement of SDG #6 Clean Water and Sanitation,
pencapaian tujuan pembangunan berkelanjutan pada TPB#6 SDG #11 Sustainable Cities and Communities, SDG#13
Air Bersih dan Sanitasi Layak, TPB#11 Kota dan Pemukiman Climate Action, SDG#14 Life Below Water and SDG#15 Life
Berkelanjutan, TPB#13 Penanganan Perubahan Iklim, on Land.
TPB#14 Ekosistem Lautan, dan TPB#15 Ekosistem Daratan.
Di samping itu, Perseroan memberikan perhatian serius Furthermore, the Company is seriously focusing on to the
dalam upaya penghematan energi di lingkungan internal, effort to save energy internally, such as the efficiency in
seperti efisiensi penggunaan air turut diikuti dengan adanya water use, which is followed by monitoring efficiency of
monitoring efisiensi pemakaian energi listrik (kWh & Gj) dan electricity (in kWh & Gj) and use of paper. There is also an
kertas, juga terdapat efisiensi unit kendaraan operasional effort to make efficient the operational vehicle by reducing
sehingga menurunkan penggunaan BBM. Pada tahun 2023, the use of fuels. In 2023, the Company could conduct
Perseroan dapat melakukan penghematan energi listrik electricity efficiency of 8.996 kWh or equal to 33 GJ or
sebesar 8.996 kWh setara 33 GJ atau 3,45% dibandingkan 3.45% when compared to water usage of previous years.
dengan pemakaian air tahun sebelumnya, sehingga hal This has an impact on emission reduction of 1 (electricity)
ini juga berdampak terhadap terhadap penurunan emisi f of 8.403 kgCO2eq. Realization of the fund usage of CSR
cakupan 1 (listrik) sebesar 8.403 kgCO2eq. Realisasi through Bakti TUGU with environmental pillar was IDR100.50
penggunaan dana CSR melalui Bakti TUGU dengan pilar million or decreased 16.03% when compared to realization
lingkungan hidup sebanyak Rp100,50 juta atau turun of previous year’s funding. However, there is an additional
16,03% dibandingkan realisasi dana tahun sebelumnya. use of funds of IDR265 million for the implementation of this
Namun terdapat tambahan penggunaan dana sebesar pillar in 2023 which was from the 2022 RKAP accrual fund
Rp265 juta untuk implementasi pilar ini di 2023 dari alokasi allocation. In addition, the Company actively participates as
dana akrual RKAP 2022. Selain itu, Perseroan berpartisipasi Leader of the Consortium of Ship Wrecks Removal Insurance
aktif menjadi Leader Konsorsium Asuransi Penyingkiran including Pollution Liability at sea.
Kerangka Kapal termasuk Tanggung Jawab Polusi di laut.
Pada aspek sosial, Perseroan telah melaksanakan On social aspects, the Company has implemented Bakti
program Bakti TUGU untuk pemberdayaan masyarakat, TUGU program for community empowerment, support for
dukungan pendidikan & literasi keuangan, kesehatan & financial literacy and education, health and safety to the
keselamatan kepada masyarakat hingga social charity society, and social charity to support activities related to
untuk mendukung aktivitas terkait bakti sosial keagamaan religious social and cultural events. The activities which
dan seni budaya. Beberapa kegiatan yang telah dilakukan have been conducted, among others, are the building clean
antara lain pembangunan infrastruktur air bersih di Jawa water infrastructure in West Java, the building residential
Barat, pembangunan rumah tinggal korban bencana gempa areas for the victims of earthquake disasters in Cianjur,
Cianjur, bantuan beasiswa mahasiswa Perguruan Tinggi scholarship for the college students of state universities
Negeri dan kesempatan belajar bagi mahasiswa, donor and learning opportunity for the students, blood donor, 2nd
darah, vaksin booster dosis ke-2, literasi & inklusi keuangan dose booster vaccination, financial literacy and inclusion
(Tugu Mengajar/Kuliah Umum, Goes to campus, Webinar/ (Tugu Teaches/General Lectures, Goes to Campus,
Live Talkshow), Road Safety Campaign, dan Ambulance Webinar/Live Talkshow). Road Safety Campaign, and Free
Gratis (Jabodetabek), Baksos Idul Adha & Idul Fitri, renovasi Ambulance (Greater Jakarta), Social Events for Iedul Adha
Rumah Ibadah & TPA, dan sebagainya. Perseroan juga and Iedul Fitr, Renovation of Worship Facilites and Quran
memberikan pemberian edukasi waste management system Recital Locations, and others. The Company also provides
sebagai dukungan pelestarian lingkungan, dan mendirikan education of waste management system as the support of
infrastruktur air bersih paralel juga memberikan dukungan environmental preservation, and the construction of clean
terhadap aktivitas pemberdayaan ekonomi masyarakat di water infrastructure in parallel provides support to the
area eco-wisata. activities of the society’s economic empowerment activities
in eco-tourism area.
30 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Bakti TUGU dengan pilar Kesehatan dan keselamatan Bakti TUGU under the Health and safety pillar has carried out terlaksana dengan penyaluran dana melalui fungsi with the distribution of funds through the Government, PR Government, PR & CSR sebesar Rp318,79 juta, sedangkan & CSR function amounting to IDR318.79 million, while the realisasi penyaluran dana melalui fungsi Human Capital realization of the distribution of funds through the Human Management sebesar Rp141,69 juta sehingga total realisasi Capital Management function amounted to IDR141.69 dana yang dikeluarkan oleh perseroan adalah sebesar million, as a result, the total realization of funds spent by the Rp460,48 juta. company was IDR460.48 million. Kegiatan pilar ini meliputi Pancawarsa Alanbikers.com, The activities of this pillar include The Fifth Anniversary of bantuan akomodasi medis dan kebutuhan nutrisi anak Alanbikers.com, assistance for medical accommodation and penderita kanker, pembangunan fasilitas air bersih di desa, nutritional needs of children with cancer, construction of dan sebagainya. Kegiatan-kegiatan tersebut berkontribusi clean water facilities in villages, and others. These activities terhadap pencapaian tujuan pembangunan berkelanjutan contribute to the achievement of sustainable development pada TPB#1 Tanpa Kemiskinan dan TPB#3 Kesehatan yang goals on SDG#1 No Poverty and SDG#3 Healthy and Baik Kesejahteraan. Prosperous Life. Sementara itu, kegiatan Bakti TUGU dengan pilar Pendidikan On the other hand, Bakti TUGU activities under the Education dan Literasi Keuangan terlaksana dengan menyalurkan dana and Financial Literacy pillar was carried out by channeling melalui fungsi Government, PR & CSR sebesar Rp139,50 funds through the Government, PR & CSR function of juta, sedangkan realisasi penyaluran dana melalui fungsi IDR139.50 million, while the realization of fund distribution Human Capital Management sebesar Rp2,67 miliar sehingga through the Human Capital Management function amounted total realisasi dana mencapai Rp2,84 miliar. Kegiatan to IDR2.67 billion, resulting in the total realization of funds di bidang Pendidikan tersebut berkontribusi terhadap to reach IDR2.84 billion. The activities in the education pencapaian tujuan pembangunan berkelanjutan pada TPB#4 sector contributed to the achievement of sustainable Pendidikan Berkualitas, TPB#5 Kesetaraan Gender, TBP#8 development goals on SDG#4 Quality Education, SDG#5 Pekerjaan Layak dan Pertumbuhan Ekonomi dan TPB#10 Gender Equality, SDG#8 Decent Work and Economic Growth Berkurangnya Kesenjangan. Sedangkan bantuan sosial, and SDG#10 Reduced Inequalities. As for the assistance keagamaan, dan seni budaya tersalurkan dana melalui for social, religious, and cultural arts funds were channeled fungsi Government, PR & CSR sebesar Rp150,00 juta, through the Government, PR & CSR function amounting to sedangkan realisasi penyaluran dana melalui fungsi Human IDR150.00 million. At the same time, the realization of the Capital Management sebesar Rp91,72 juta sehingga total distribution of funds through the Human Capital Management realisasi dana yang dikeluarkan oleh perseroan adalah function amounted to IDR91.72 million, resulting in the total sebesar Rp241,72 juta. Kegiatan-kegiatan ini mendukung realization of funds spent by the company was IDR241.72 terhadap pencapaian tujuan pembangunan berkelanjutan million. These activities support the achievement of pada TPB#4 Pendidikan Berkualitas, TPB#5 Kesetaraan sustainable development goals on SDG#4 Quality Education, Gender, TPB#8 Pekerjaan Layak dan Pertumbuhan Ekonomi, SDG#5 Gender Equality, SDG#8 Decent Work and Economic TPB#10 Berkurangnya Kesenjangan, dan TPB#11 Kota dan Growth, SDG#10 Reduced Inequalities, and SDG#11 Pemukiman Berkelanjutan. Sustainable Cities and Communities. Selain itu Tugu Insurance melakukan beberapa kegiatan In addition, Tugu Insurance has implemented several untuk pemberdayaan masyarakat, melalui pelatihan bagi activities of community empowerment through trainings pelaku UMKM seperti bantuan untuk kelompok tani budi for the actors of MSMEs, such as assistance for the daya buah produktif di Jawa Tengah. Kegiatan Bakti TUGU fruit cultivation farmers in Central Java. Bakti TUGU dengan pilar pemberdayaan masyarakat telah menggunakan activities in the community empowerment pillars has used dana sebesar Rp254 juta. Kegiatan ini berkontribusi funds of IDR254 million. This activity contributes to the terhadap pencapaian tujuan pembangunan berkelanjutan achievement of SDG#1 No Poverty, SDG#2 Zero Hunger, pada TPB#1 Tanpa Kemiskinan, TPB#2 Tanpa Kelaparan, SDG#8 Decent Work and Economic Growth, and SDG#10 TPB#8 Pekerjaan Layak dan Pertumbuhan Ekonomi, dan Reduced Inequalities. TPB#10 Berkurangnya Kesenjangan. Tugu Insurance juga menunjukkan kepeduliannya Tugu Insurance also shows its care on road safety issues by terhadap permasalahan road safety dengan memberikan giving donations to the victims of traffic accidents, and by donasi kepada para korban kecelakaan lalu lintas, dan conducting safety campaigns on the road to the automative melakukan kampanye keselamatan di jalan kepada communities. In addition to the t drive application, Tugu komunitas-komunitas otomotif. Di samping aplikasi t Insurance provides the t friends application to facilitate Tugu PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 31
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
drive, Tugu Insurance menyediakan aplikasi t friends Insurance marketing personnel both internal (marketing
untuk mempermudah tenaga pemasaran Tugu Insurance officers) and external (Tugu Insurance agents) in selling
baik internal (marketing officer) maupun eksternal (agent insurance products from Tugu Insurance. This application
Tugu Insurance) dalam menjual produk Asuransi dari Tugu product is classified as environmentally friendly and low
Insurance. Produk aplikasi ini tergolong ramah lingkungan emission because it is technology-based and the internet-
dan rendah emisi karena berbasis teknologi dan internet based. This application service contributes to SDG #3 Good
serta berdampak terhadap pemberdayaan masyarakat. Health and Well-Being, SDG#8 Decent Work and Economic
Layanan aplikasi ini berkontribusi terhadap TPB#3 Growth, SDG #11 Sustainable Cities and Communities, and
Kehidupan Sehat dan Sejahtera, TPB#8 Pekerjaan Layak SDG #13 Climate Action.
dan Pertumbuhan Ekonomi, TPB#11 Kota dan Komunitas
Berkelanjutan, dan TPB#13 Penanganan Perubahan Iklim.
Pada aspek tata kelola, Tugu Insurance memastikan seluruh On the governance aspects, Tugu Insurance ensures that
jajaran manajemen dan karyawan menerapkan prinsip-prinsip its management and employees implement GCG principles
GCG saat menjalankan tugas dan tanggung jawab dalam when conducting its duties and responsibilities in organizing
mengelola perusahaan. the Company.
Komitmen ini diperkuat dengan penilaian GCG menjadi salah This commitment is strengthened by GCG assessment which
satu ukuran kinerja yang tercakup dalam Key Performance becomes one of the performance measurements included
Indicator (KPI). Dari aspek governance structure, Perseroan in Key Performance Indicators (KPI). From the aspects of
telah memiliki struktur organisasi yang sesuai dengan governance structure, the Company has an organization
proses bisnis dan mendukung pencapaian tujuan, visi dan structure that is in accordance with the business process,
misi Perseroan. Dalam menjalankan tugas pengawasan, and support the achievement of the Company’s goal, vision,
Dewan Komisaris telah dilengkapi dengan organ pendukung and missions. In conducting its supervisory duties, the Board
yaitu Sekretaris Dewan Komisaris, Komite Audit dan Komite of Commissioners is equipped with supporting organs such
Tata Kelola Terintegrasi, Komite Pemantau Risiko, serta as the secretary of the Board of Commissioners, the Audit
Komite Nominasi dan Remunerasi. Sedangkan dalam Committee, and Integrated Governance Committee, Risk
pengelolaan perusahaan Direksi didukung oleh beberapa Monitoring Committee, and Nomination and Remuneration
organ yaitu Komite Kepatuhan, Sekretaris Perusahaan, Committee. In the Company governance, the Board of
Internal Audit, Kepatuhan, Manajemen Risiko, Komite-komite Directors is supported by several organs, namely Compliance
dan fungsi/unit kerja lainnya. Committee, Corporate Secretary, Internal Audit, Compliance,
Risk Management, and other functions/committees.
Pemenuhan kelengkapan atas kebijakan dan prosedur Compliance with policies and procedures to support the GCG
dalam rangka mendukung proses penerapan GCG dapat implementation process can contribute to SDG #16 and SDG
berkontribusi terhadap TBP #16 dan TBP #17 Kemitraan #17 Partnerships for the Goals. In addition, the Company
untuk Mencapai Tujuan. Di samping itu, Perseroan telah has delivered the process of GCG principles implementation
menyampaikan proses pelaksanaan prinsip GCG dalam in taking responsibility toward the shareholders and
pertanggungjawaban kepada Pemegang Saham dan stakeholders, including the effective evaluation of GCG
pemangku kepentingan, termasuk penilaian efektivitas implementation. This is also supported by the fulfillment
pelaksanaan GCG. Hal ini juga didukung dengan pemenuhan of the principles of transparency toward the stakeholders
prinsip transparansi kepada pemangku kepentingan melalui through information openness in the Company website.
keterbukaan informasi dalam website Perseroan.
Sementara di aspek governance outcome, Perseroan telah Meanwhile, in the aspects of governance outcome, the
patuh terhadap peraturan perundang-undangan yang berlaku Company obeys to the prevailing regulation and fulfill their
dan memenuhi kewajiban kepada pemangku kepentingan. obligation toward the stakeholders. This is reinforced
Hal ini diperkuat dengan hasil penilaian penerapan GCG by assessment result of GCG implementation for the
tahun buku 2021 yang diterbitkan pada 30 November 2022 2021 fiscal year published on 30 November 2022 with
dengan skor sebesar 91,314 dari total nilai maksimal yaitu achievement of GCG score of 91.314 from the total
sebesar 100 yang setara dengan 91.31% atau mencapai maximum score of 100 which is equivalent to 91.31% or the
kualifikasi “SANGAT BAIK”, sedangkan hasil evaluasi risiko qualification “VERY GOOD”, at the same time, the results of
menunjukkan penerapan Sistem Manajemen Risiko cukup the risk evaluation show that the implementation of the Risk
memadai untuk menjaga Perseroan dari potensi kerugian Management System is sufficient to protect the Company
dan membantu pencapaian sasaran yang ditetapkan. from potential losses and help achieve the set goals.
32 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Selain itu, Tugu Insurance juga terus memperkuat sistem In addition, Tugu Insurance also continues to strengthen
pengendalian internal melalui evaluasi dan penilaian atas internal control system through evaluation and assessment
sistem yang telah diberlakukan. Hasil evaluasi dan penilaian of prevailing system. The results of the evaluation and
menyimpulkan bahwa Perseroan telah memiliki kecukupan assessment concluded that the Company has an adequate
sistem pengendalian internal. internal control system.
Prestasi dan Peristiwa Penting Selama Periode Achievement and Important Events during the
Pelaporan Reporting Period
Hingga tahun 2023, Tugu Insurance meraih predikat Global Until 2023, Tugu Insurance has achieved a predicate of
Financial Strength Rating A- (Excellent) dan the Long- Global Financial Strength Rating A- (Excellent) and the Long-
Term Issuer Credit Rating of “A-” (Excellent) dari lembaga Term Issuer Credit Rating of “A-” (Excellent) from the rating
pemeringkat Internasional di bidang asuransi asal Amerika, International organization that specializes on insurance from
AM Best, untuk kedelapan kali secara berturut-turut. America, namely AM Best, for eight consecutive time.
Predikat Rating A- (Excellent) didapatkan Tugu Insurance The predicate Rating A- (Excellent) was acquired by
pertama kali tahun 2016 dan hingga kini predikat ini bisa Tugu Insurance for the first time in 2016. This year, the
dipertahankan bahkan kali ini juga dilengkapi dengan predicate is also maintained, and even completed with the
perolehan predikat Indonesia National Scale Rating (NSR) achievement of the Indonesian National Scale Rating of aaa.
of aaa.ID (Exceptional). Prestasi ini turut membuktikan ID (exceptional). This achievement proves the capability
kemampuan financial sustainability Tugu Insurance baik of Tugu Insurance sustainability finance in international
dalam skala standar Internasional maupun nasional. or national scale. Global Rating AM Best is an institution
Adapun Global Rating AM Best merupakan Lembaga yang that is committed to ESG, and assigned to encourage
memiliki komitmen terhadap ESG, yakni untuk mendorong sustainable insurance growth through strengthening
pertumbuhan asuransi berkelanjutan melalui penguatan indicators of financial solvency, stability and sustainability of
pada indikator solvabilitas keuangan, stabilitas dan the insurance industry to support economic growth and the
keberlanjutan industri asuransi sehingga mendukung welfare of all stakeholders.
pertumbuhan ekonomi dan kesejahteraan seluruh
pemangku kepentingan.
Strategi Pencapaian Target [OJK D.3]
Target Achievement Strategy [OJK D.3]
Pengelolaan risiko atas penerapan Keuangan Risk management for the implementation of
Berkelanjutan (Ekonomi, Lingkungan & Sosial) Sustainable Finance (Economic, Environmental &
Social)
Dalam menjalankan bisnis dan mewujudkan target dalam In operating its business, and realizing the targets in the
RKAP dan RAKB, Tugu Insurance menghadapi berbagai Company Work Plan and Budget and Sustainable Finance
risiko yang berpotensi menghambat tercapainya target- Action Plan, Tugu Insurance faces a number of risks that
target tersebut. Upaya meminimalkan dampak atas have the potential to obstruct the achievement of these
risiko diperlukan melalui pengelolaan risiko secara targets. Efforts to minimize the impact of risks are required
komprehensif dan terintegrasi dengan penguatan pada through comprehensive and integrated risk management
aspek pengendalian internal. Hal ini diperkuat dengan and the strengthening the aspects of internal control.
penerapan sistem pengendalian internal dengan “three This is strengthened by the implementation of an internal
line of defense” sesuai international best practices untuk control system with “three lines of defense” which are in
mengelola issue keberlanjutan. Tahapan pertama, upaya accordance with international best practices for managing
pengendalian risiko secara first line of defense oleh unit sustainability issues. The first stage consists of efforts to
kerja yang melaksanakan proses bisnis. Tahapan kedua, control risk in the first line of defense by work units that
pengendalian risiko secara second line of defense oleh unit carry out business processes. The second stage consists of
kerja yang memiliki fungsi manajemen risiko dan independen risk control using the second line of defense by work units
dari unit kerja yang melaksanakan proses bisnis. Tahapan that have risk management functions and are independent
ketiga, pengendalian risiko secara third line of defense oleh from the work units that carry out business processes. The
unit kerja yang melaksanakan fungsi audit internal guna third stage consists of risk control using the third line of
memastikan kegiatan pengendalian risiko dilaksanakan defense by the work unit that carries out the internal audit
secara efektif. function to make sure that risk control activities are carried
out effectively.
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 33
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Selain upaya-upaya tersebut, Perseroan melakukan mitigasi In addition to these efforts, the Company mitigates the risk
risiko atas terhambatnya pencapaian target yang ditentukan of delays in achieving specified targets that includes:
yaitu antara lain:
1. Pengawasan aktif Direksi, Dewan Komisaris, dan Dewan 1. Active supervision of the Board of Directors, Board of
Pengawas Syariah. Ketiganya bertanggung jawab atas Commissioners, and Sharia Supervisory Board. All three
efektivitas penerapan Manajemen Risiko di Perseroan; are responsible for the effectiveness of Risk Management
implementation in the Company;
2. Memastikan kecukupan proses identifikasi, pengukuran, 2. Ensuring the adequacy of the risk identification,
pengendalian dan pemantauan risiko serta Sistem measurement, control and monitoring processes as well
Informasi Manajemen Risiko; as the Risk Management Information System;
3. Menetapkan dan melakukan kaji ulang Risk Appetite 3. Establishing and reviewing the Risk Appetite Statement
Statement serta pelaporan Key Risk Indicator/Early and reporting of the Company’s Key Risk Indicator/Early
Warning System Perseroan setiap bulannya untuk Warning System on a monthly basis to manage risks
mengelola risiko agar tetap berada dalam Batasan to remain within the risk tolerance limits, and provide
toleransi risiko (risk tolerance), dan memberikan adequate assurance in order to achieve the Company’s
keyakinan yang memadai dalam rangka pencapaian tujuan goals and objectives;
dan sasaran Perseroan;
4. Melakukan penanaman budaya sadar risiko melalui 4. Instilling a risk-aware culture through socialization and
kegiatan sosialisasi dan coaching clinic dan asistensi coaching clinic activities and risk register assistance;
risk register;
5. Melakukan evaluasi Perseroan atas efektivitas sistem 5. Evaluating the effectiveness of the Company’s risk
manajemen risiko. management system.
Pemanfaatan peluang dan prospek usaha The use of business opportunities and prospects
Penetrasi asuransi kerugian di Indonesia masih cukup Penetration of loss insurance in Indonesia is still quite
rendah, hal ini menjadi salah satu peluang yang baik bagi low. This creates a good opportunity for the Company to
Perseroan mengambil pangsa pasar tersebut. Selain itu, take market share. In addition, technological developments
perkembangan teknologi mendorong industri asuransi encourage the insurance industry to develop and innovate
untuk melakukan pengembangan dan inovasi digitalisasi in the digitalization of insurance products to provide easy
produk asuransi yang menghadirkan kemudahan akses access for consumers.
bagi konsumen.
Dalam menyikapi peluang tersebut, Perseroan menentukan In responding to this opportunity, the Company decides on
pricing position yang kompetitif, dengan tetap memberikan a competitive pricing position, while still providing better
value lebih baik serta pelayanan yang prima bagi para value and excellent service for customers. In addition, the
customer. Disamping itu, Perseroan mengoptimalkan fungsi Company is optimizing branch and PoSS functions to expand
cabang dan PoSS untuk memperluas jangkauan pelayanan, service coverage, as well as increasing cooperation with
serta meningkatkan kerja sama dengan platform digital digital platforms, and strengthening infrastructure, including
serta memperkuat infrastruktur termasuk IT, sehingga dapat IT, so as to streamline the Company’s business processes.
mengefisienkan proses bisnis perusahaan.
Penjelasan situasi eksternal ELS yang berpotensi Explanation of EES external situations that have
mempengaruhi keberlanjutan the potential to influence sustainability
Berbagai perkembangan perekonomian menunjukkan kinerja Various economic developments show the performance and
dan prospek ekonomi ekonomi global 2023. Data Bank economic prospects of the global economy in 2023. Data
Indonesia menjelaskan 5 (lima) gambaran kondisi ekonomi from Bank Indonesia explains 5 (five) descriptions of global
global. Pertama, pertumbuhan ekonomi yang melemah economic conditions. Firstly, economic growth is weak and
dan disertai divergensi. Kedua, penurunan inflasi lambat. accompanied by divergence. Secondly, the decline in inflation
Ketiga, suku bunga tinggi dalam waktu lama. Keempat, arus is slow. Thirdly, interest rates are high for a long time.
modal keluar dari negara Emerging Market and Developing Fourthly, capital flows out of Emerging Market and Developing
Economies (EMDEs). Kelima, nilai tukar dolar AS tetap kuat. Economies (EMDEs) countries. Fifth, the US dollar
Perkembangan global ini memberikan tekanan terhadap exchange rate remains strong. This global development
34 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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ekonomi negara berkembang termasuk Indonesia. Meskipun puts pressure on the economies of developing countries,
pertumbuhan ekonomi nasional mengalami perlambatan including Indonesia. Even though national economic growth
dibandingkan tahun sebelumnya, dengan beragam kebijakan has slowed compared to the previous year, with various
kondisi perekonomian Indonesia masih tumbuh positif. policies, Indonesia’s economic conditions are still showing
positive growth.
Kondisi makro ekonomi ini, masih ditambah lagi dengan This macroeconomic condition is further hampered by other
adanya tantangan lain terkait isu keuangan keberlanjutan. challenges related to financial sustainability issues. There
Setidaknya ada 3 (tiga) tantangan utama bagi industri are at least 3 (three) main challenges for the insurance
asuransi. Pertama, literasi keuangan masyarakat di industry. First, public financial literacy in Indonesia is still
Indonesia masih minim sehingga diperlukan adanya langkah low, thus, steps to strengthen literacy are needed. Second,
penguatan literasi. Kedua, ancaman resesi yang disebabkan there is a threat of recession caused by strengthening dollar
oleh penguatan dolar dan suku bunga yang tinggi. Ketiga, and high interest rates. Third, there is a need to restore
mengembalikan kepercayaan masyarakat terhadap industri public confidence in the insurance industry. Considering
asuransi. Melihat kondisi tersebut, Perseroan telah these conditions, the Company has taken strategic
melakukan langkah-langkah strategis perbaikan untuk improvement steps to anticipate risks, transformation and
mengantisipasi risiko, transformasi dan konsolidasi internal internal consolidation as well as pursuing digitalization of
serta mengejar digitalisasi proses bisnis yang memenuhi business processes that meet market needs.
kebutuhan pasar.
Penutup Closing Remarks
Kami mewakili jajaran manajemen dan seluruh karyawan On behalf of the management and all employees, we
mengucapkan terima kasih atas dukungan para pemangku would like to express our gratitude for the support of
kepentingan yang telah bersama-sama membangun Tugu the stakeholders who have worked together to build
Insurance. Kinerja maksimal dilakukan dengan penerapan Tugu Insurance. Optimum performance is achieved by
manajemen asuransi berkelanjutan (Sustainable Insurance). implementing sustainable insurance management.
Perseroan juga mengapresiasi kinerja jajaran manajemen The Company also appreciates the performance of the
dan seluruh Insan Tugu yang telah membangun perusahaan management and all Tugu Personnel who have built this
ini menuju perusahaan asuransi terdepan di Indonesia. Company into a leading insurance company in Indonesia.
Kiranya seluruh Insan Tugu dapat melanjutkan kerja sama We hope that all Tugu Personnel can continue this good
yang baik ini di masa-masa mendatang. cooperation in the future.
Jakarta, 5 April 2024
Atas nama Direksi,
On behalf of the Board of Directors,
PT Asuransi Tugu Pratama Indonesia
Tatang Nurhidayat
Presiden Direktur
President Director
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 35
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
04
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Tentang Laporan
Keberlanjutan
About this Sustainability Report
36 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 37
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Tentang Laporan Keberlanjutan
About this Sustainability Report
Tugu Insurance menerbitkan laporan keberlanjutan secara Tugu Insurance publishes sustainability reports consistently
konsisten dan lengkap sebagai bentuk pertanggungjawaban and completely as a form of accountability to stakeholders.
kepada para pemangku kepentingan. Selain itu, penerbitan In addition, the publication of this report is a commitment
laporan ini menjadi komitmen kepatuhan Tugu Insurance to Tugu Insurance's compliance with Financial Services
terhadap Peraturan Otoritas Jasa Keuangan (OJK) No. 51/ Authority (OJK) Regulation No. 51/POJK.03/2017 and
POJK.03/2017 dan Surat Edaran Otoritas Jasa Keuangan Financial Services Authority (OJK) Circular Letter No. 16/
(OJK) No. 16/POJK.04/2021. POJK.04/2021.
Laporan keberlanjutan ini juga menjadi media komunikasi This sustainability report is also a communication medium
bagi Tugu Insurance untuk menyampaikan kinerja dan for Tugu Insurance to convey its performance and the 3
3 (tiga) pesan utama program keuangan berkelanjutan (three) main messages of its sustainable finance program
kepada seluruh pemangku kepentingan. Pesan utama to all stakeholders. The main messages include: first, Tugu
tersebut antara lain: pertama, kinerja triple bottom line Insurance's triple bottom line (economic, environmental and
(ekonomi, lingkungan dan sosial) Tugu Insurance. Kedua, social performance). Second, the economic, environmental
dampak ekonomi, lingkungan dan sosial yang timbul akibat and social impacts arising from Tugu Insurance's operational
kegiatan operasi Tugu Insurance. Ketiga, kontribusi Tugu activities. Third, Tugu Insurance's contribution to efforts
Insurance terhadap upaya pencapaian Tujuan Pembangunan to achieving the Sustainable Development Goals (SDGs),
Keberlanjutan (TPB), terutamanya melalui fokus pada aspek particularly through a focus on economic, social and
ekonomi, sosial dan tata kelola (ESG). governance (ESG) aspects.
Periode, Siklus, dan Cakupan Pelaporan [GRI 2-2, 2-3]
Reporting Period, Cycle, and Scope [GRI 2-2, 2-3]
Penerbitan laporan keberlanjutan dilakukan secara periodik The sustainability report is prepared and published
dengan siklus setahun sekali. Laporan keberlanjutan ini periodically within an annual cycle. This sustainability
menyajikan data dan informasi kinerja Perseroan periode 1 report presents data and information on the Company’s
Januari sampai dengan 31 Desember 2023. Tugu Insurance performance for a period from 1 January to 31 December
menerbitkan laporan keberlanjutan pertama pada tahun 2023. Tugu Insurance published its first sustainability report
2020 dan terakhir kali pada tahun 2022. in 2020 and the most recent in 2022.
Informasi laporan keberlanjutan mencakup data kinerja The sustainability report information includes data on
keberlanjutan, dampak pada aspek ekonomi, sosial dan sustainability performance, impacts on economic, social, and
lingkungan, dan kontribusi Tugu Insurance. Laporan ini environmental aspects, and the contributions made by Tugu
memuat data dan informasi untuk Tugu Insurance beserta Insurance. This report contains data and information for Tugu
seluruh cabang dan anak perusahaannya di Indonesia. Insurance and all its branches and subsidiaries in Indonesia.
38 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Hingga tahun 2023, Perseroan telah memiliki entitas anak As of 2023, the Company has the following subsidiaries
dan entitas asosiasi sebagai berikut: and associates:
Entitas Anak Perusahaan Tugu Insurance
Tugu Insurance's Subsidiaries
99,99% 30,00% 14,83%
PT TUGU PT REASURANSI
PT ASURANSI
PRATAMA MAIPARK
SAMSUNG TUGU
INTERINDO INDONESIA
27,50%
72,50% 100% 99,99% 99,90% 50,74% 5,28%
TUGU PT SYNERGY
PT PRATAMA PT TUGU PT ASURANSI
INSURANCE TRB (LONDON) RISK
MITRA REASURANSI STACO
COMPANY LIMITED MANAGEMENT
SEJATI INDONENSIA MANDIRI
LIMITED CONSULTANS
Entitas Anak | Subsidiaries Entitas Asosiasi | Associates Penyertaan Langsung | Direct Participation
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 39
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Standar dan Pedoman Pelaporan
Reporting Standards 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.
(POJK 51/2017) tentang Penerapan Keuangan Berkelanjutan 51/POJK.03/2017 (POJK 51/2017) concerning the
Bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Implementation of Sustainable Finance for Financial
Publik dan Surat Edaran OJK No. 16/SEOJK.04/2021 Services Institutions, Issuers and Public Companies and OJK
(SEOJK 16/2021) tentang Bentuk Dan Isi Laporan Tahunan Circular Letter No. 16/SEOJK.04/2021 (SEOJK 16/2021)
Emiten atau Perusahaan Publik. Selain itu, Laporan concerning the Form and Content of Annual Reports of
Keberlanjutan juga disusun menggunakan persyaratan Issuers or Public Companies. In addition, the Sustainability
pelaporan dalam Global Reporting Initiative (GRI) Report is also prepared using the reporting requirements in
Standards 2021. the 2021 Global Reporting Initiative (GRI) Standards.
Laporan ini dilengkapi dengan tanda khusus berupa This report is complemented with a special mark in the
kode indeks GRI pada halaman yang relevan terhadap form of GRI index code on the pages relevant to general
informasi pengungkapan umum dan pengungkapan khusus disclosure information and special disclosures as material
sebagai topik material, agar para pembaca dan pemangku topics, so that readers can easily find related information for
kepentingan dapat dengan mudah menemukan informasi each indicator. In addition, we complete this report with a list
terkait untuk setiap indikator. Selain itu kami melengkapi of the POJK-51/2017 indexes or SEOJK-16/2021 and the
laporan ini dengan daftar indeks POJK 51/2017 atau SEOJK 2021 GRI Standards indexes.
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 Presentation of financial data and information in this report
menggunakan denominasi Rupiah, kecuali diindikasikan is denominated in Rupiah, unless otherwise indicated, and
lain dan sudah diaudit oleh Kantor Akuntan Publik sesuai has been audited by a Public Accountant Firm in accordance
dengan keperluan penyusunan Laporan Keuangan dan with the requirements for preparing the Company’s Financial
Laporan Tahunan Perseroan. Data kuantitatif dalam Laporan Statements and Annual Report. Quantitative data in this
ini disajikan dengan menggunakan penyajian kembali data report is presented using the comparability principle of
dua tahun berturut-turut sebagai perbandingan kinerja, at least two consecutive years. Thus, Report readers can
sehingga terlihat kecenderungan kinerja Perseroan. Dalam conduct an analysis of the Company’s performance trends. In
periode pelaporan, tidak terdapat perubahan data informasi this reporting period, there were no changes to financial and
keuangan dan operasional dari periode sebelumnya. operational information data from the previous period.
Penetapan Topik Material dan Batasan Topik [GRI 3-1]
Defining of Material Topics and Topic Boundaries [GRI 3-1]
Penetapan isi dalam Laporan mengacu pada prinsip-prinsip The defining of the content in the Report refers to the
penetapan topik dalam Standar GRI, yakni: Stakeholders principles of determining topics in the GRI Standards,
inclusiveness (pelibatan pemangku kepentingan); Materiality namely: Stakeholder involvement; Materiality; Sustainability
(materialitas); Sustainability context (konteks keberlanjutan) context and Completeness.
dan Completeness (kelengkapan).
Prinsip penetapan topik laporan ini didasarkan pada 4 The principle of defining the contents of this report is based
(empat) prinsip, sesuai dengan panduan GRI, yaitu: on 4 (four) principles in accordance with the GRI guidelines,
namely:
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 disclosed in this report
berbagai metode seperti diskusi internal tim, Focus Group through Focus Group Discussion and Materiality Tests.
Discussion dan Uji Materialitas.
40 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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2. Konteks Keberlanjutan 2. Sustainability Context
Konten dalam laporan ini adalah isu atau topik yang The contents of this report involve issues or topics
berhubungan dengan konteks keberlanjutan, meliputi related to the sustainability context, including economic,
topik ekonomi, lingkungan dan sosial. environmental, and social topics.
3. Materialitas 3. Materiality
Proses penyusunan laporan dimulai dengan penentuan The process of preparing this report begins with defining
isi laporan melalui prosedur penetapan materialitas its content through a procedure for defining materiality.
dengan terlebih dulu mengidentifikasi topik spesifik, This is done first by identifying specific topics, then
kemudian menetapkan bobot dari masing-masing topik determining the weight of each topic through a materiality
tersebut melalui uji materialitas sehingga didapat topik test with a view to obtain material topics, which are the
yang material, yakni topik yang kami nilai relevan, menjadi topics that we consider relevant, a priority and important
prioritas dan penting untuk disampaikan. to convey.
4. Lengkap 4. Completeness
Proses penyusunan laporan dilengkapi dengan pengujian The report preparation process is complemented with
atas topik yang material, mencakup ketersediaan a testing of material topics and encompasses the
data maupun penetapan batasan (boundary) sehingga availability of data and defining of boundaries so that they
mencerminkan dampak ekonomi, lingkungan dan sosial reflect significant economic, environmental, and social
yang signifikan. impacts.
Sementara itu, kami merujuk pada panduan GRI yang Meanwhile, in defining the topics and contents of the report,
menentukan 4 (empat) dalam menentukan topik dan isi we refer to the GRI guidelines that specify 4 (four) points,
laporan sebagaimana tergambar dalam bagan di bawah, namely:
yaitu:
1. Identifikasi 1. Identification
Kami melakukan identifikasi terhadap topik-topik yang We identify material/important topics and set boundaries.
material/penting dan menetapkan batasan (boundary).
2. Prioritas 2. Priority
Kami membuat prioritas atas topik-topik yang telah We make 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 that have been previously defined
material tersebut. as material topics.
4. Review 4. Review
Kami melakukan review atas Laporan setelah diterbitkan We review the report after it is published with a view to
guna meningkatkan kualitas Laporan tahun berikutnya. improve the quality of the report for the following year.
Bagan Alur Proses Penetapan Konten Laporan
Report Content Determination Process Flowchart
Tahap 1 Identifikasi Tahap 2 Prioritas Tahap 3 Validasi
Step 1 Identification Step 2 Priority Step 3 Validation
Konteks Keberlanjutan Materialitas Kelengkapan
Sustainability Context Materiality Completeness
Pelibatan Pemangku Kepentingan
Stakeholders Engagement
Tahap 4 Review
Step 4 Review
Konteks Keberlanjutan Pelibatan Pemangku Kepentingan
Sustainability Context Stakeholder Engagement
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 41
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
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 defined
setelah dilakukan pembahasan dalam Focus Group following a discussion in a Focus Group Discussion (FGD)
Discussion (FGD) yang dihadiri oleh tim Sustainability held on 14 December 2021 which was attended by the Tugu
Report Tugu Insurance, difasilitasi oleh konsultan. Hasil Insurance Sustainability Report team and facilitated by a
tersebut, selanjutnya disepakati kembali sebagai topik Sustainability consultant. The results were subsequently
material untuk pelaporan tahun 2023 pada saat kick off reagreed as material topics for the 2023 reporting year
meeting penyusunan Laporan Keberlanjutan 2023 tanggal 1 at the kick off meeting for the preparation of the 2023
November 2023. Sustainability Report on 1 November 2023.
Tabel Daftar Topik Material
List of Materials 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 didistribusikan
Company’s Performance Economic Performance • 201-2 Implikasi keuangan dan risiko serta peluang lain akibat
2016 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 Impact • 203-1 Infrastructure investments and services supported
2016 • 203-2 Significant indirect economic impact
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 nilai
Biodiversity 2016 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 Habitat protected or restored
• 304-4 IUCN Red List species and national conservation list
species with habitats in areas affected by operations
42 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Tabel Daftar Topik Material
List of Materials Topics
Topik Indeks GRI Sub Indeks GRI
No
Topics GRI Index GRI Sub-index
Topik Sosial
Social Topics
4 Keselamatan dan GRI 403 Kesehatan dan • 403-1 Sistem manajemen kesehatan dan keselamatan kerja
Kesehatan Kerja Keselamatan Kerja 2018 403-2 Identifikasi bahaya, penilaian risiko, dan investigasi
Occupational Health and Occupational Health and insiden
Safety Safety 2018 • 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 illness
5 Pengembangan GRI 404 Pelatihan dan Pendidikan • 404-1 Rata-rata jam pelatihan per tahun per karyawan
Kompetensi 2016 • 404-2 Program untuk meningkatkan keterampilan karyawan dan
Competency Training and Education program bantuan peralihan
Development 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, penilaian
Kemasyarakatan Local Communities 2016 dampak, dan program pengembangan
Community Social • 413-2 Operasi yang secara aktual dan yang berpotensi memiliki
Assistance 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
Ease of Access to NA NA NA
Information and
Networks
8 Ketersediaan Fitur
& Platform Aplikasi/
Layanan
NA NA NA
Availability of Apps/
Service Features and
Platform
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 43
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Tabel Daftar Topik Material
List of Materials Topics
Topik Indeks GRI Sub Indeks GRI
No
Topics GRI Index GRI Sub-index
9 Kecepatan dan
Kemudahan Pembelian
Asuransi NA NA NA
Speed and Convenience
in Purchasing Insurance
Assurance [GRI 2-5]
Assurance [GRI 2-5]
Tugu Insurance belum menugaskan pihak independen dari Tugu Insurance has not assigned an external independent
eksternal untuk melakukan jasa assurance atas Laporan party to provide assurance services for its 2023
Keberlanjutan 2023. Namun demikian, untuk memastikan Sustainability Report. However, to ensure the quality of its
kualitas pelaporan, secara mandiri tim internal perusahaan reporting, the Company’s internal team has independently
melakukan cross check kesesuaian pengungkapan informasi cross-checked the conformity of information disclosures
dengan persyaratan pelaporan pada SEOJK 16/2021 with the reporting requirements of SEOJK-16/2021 and
dan GRI Standard. Perusahaan terus berkomitmen untuk GRI Standards. The Company is continuously committed to
melaporkan kinerja keberlanjutan dan meningkatkan kualitas reporting its sustainability performance and improving the
pelaporan sesuai indeks Global Reporting Initiative (GRI) quality of its reporting according to the Global Reporting
melalui laporan keberlanjutan periode berikutnya. Initiative (GRI) indexes through sustainability reports of the
next period.
Umpan Balik & Akses Informasi
Feedback & Information Access
Perseroan membuka diri untuk perbaikan kinerja The Company is open to improving its sustainability
keberlanjutan dan kualitas laporan dengan menerima umpan performance and reporting quality through feedback
balik dari para pembaca dan pemangku kepentingan baik from readers and stakeholders in the form of questions,
berupa pertanyaan, komentar, saran maupun masukan. comments, suggestions, and input. Feedback can be
Penyampaian umpan balik dapat menghubungi atau ditujukan submitted by contacting or addressing to the following
kontak informasi Perusahaan sebagai berikut: information contact of the Company:
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; enquiry@tugu.com
Website: www.tugu.com
Sosial Media:
Instagram: @tuguinsurance | @mytdrive.id | @lifeattugu
Facebook: @tuguinsurance.id | @mytdrive_id
Linkedin: PT Asuransi Tugu Pratama Indonesia Tbk
X: @tuguinsurance | @mytdrive_id
TikTok: @tuguinsurance | @mytdrive.id
Youtube: Tugu Insurance | @mytdrive_id
44 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 45
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
05
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Profil Tugu
Insurance
Tugu Insurance Profile
46 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 47
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Identitas Perusahaan [OJK C.2][GRI 2-1]
Company Identity [OJK C.2][GRI 2-1]
Nama Perusahaan (102-1) PT Asuransi Tugu Pratama Indonesia Tbk (“Tugu Insurance“)
Company Name (102-1)
Tanggal Pendirian Perusahaan 25 November 1981
Date of Establishment 25 November 1981
Dasar Hukum Pendirian Perusahaan Akta Notaris No. 9 tanggal 25 November 1981 dibuat dihadapan Tan Thong Kie, S.H. Notaris di
Legal Basis of Establishment Jakarta. Akta pendirian ini disahkan oleh Menteri Kehakiman Republik Indonesia dengan Surat
Keputusan No. Y.A5/177/20 tanggal 15 Maret 1982 serta diumumkan dalam Tambahan No. 845
dari Berita Negara Republik Indonesia No. 54 tanggal 6 Juli 1982
Deed No. 9 dated 25 November 1981 made before Tan Tjong Kie, S.H., Notary in Jakarta
legalized by the Minister of Justice of the Republic of Indonesia with Ministerial Decree No.
Y.A5/177/20 dated 15 March 1982, and published in the Supplement No. 845 of the Republic of
Indonesia’s State Gazette No. 54 dated 6 July 1982
Bentuk Badan Hukum (102-5) Perseroan Terbatas & Perusahaan Publik
Legal Entity (102-5) Limited Liability Company & Public Company
Kegiatan Usaha Utama (102-2)(C.4) Asuransi Umum (konvensional & syariah)
Main Business Activities (102-2)(C.4) General Insurance (conventional & sharia)
Kepemilikan Saham (102-5) • 58,50% PT Pertamina (Persero)
Share Ownersip (102-5) • 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
Rp177.778.780.000,-
Issued and Fully Paid-up Capital
Jumlah Pegawai 459 orang
Total Employees 459 people
Lokasi Operasional (102-6) Per 31 Desember 2023 terdapat 31 PoSS yang terbagi dalam 2 (dua) regional, yaitu Regional 1
Operational Areas (102-6) terdiri dari 17 PoSS, dan Regional 2 terdiri dari 14 PoSS
As of 31 December 2023, 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 Exchange 28 May 2018
Kode Bursa
TUGU
Ticker Code
Alamat Kantor Pusat (102-3)(C.2) Gedung Wisma Tugu I
Address of Head Office (102-3)(C.2) Jl. H.R.Rasuna Said Kav C 8-9
Jakarta Selatan 12920, Indonesia
Telepon : +62 21 529 61 777 (hunting)
Faksimile : +62 21 529 61 555, 529 62 555
Email : enquiry@tugu.com; calltia@tugu.com;
Hotline 24/7 Call TIA : 1500 458
Whatsapp : 0811 9790 0100
FB/Fanpage : Tugu Insurance
Twitter : @tuguinsurance
Instagram : @tuguinsurance; @mytdrive.id; @lifeattugu
Linkedin : PT Asuransi Tugu Pratama Indonesia Tbk
Youtube : Tugu Insurance
48 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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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, and Kie, Notaris di Jakarta dan telah disahkan oleh Menteri legalized by Minister of Justice of the Republic of Indonesia Kehakiman Republik Indonesia melalui Surat Keputusan with Ministerial Decree No. Y.A5/177/20 dated 15 March No. Y.A5/177/20 tanggal 15 Maret 1982 serta diumumkan 1982 and published in the Supplement No. 845 of the dalam Tambahan No. 845 dari Berita Negara Republik Republic of Indonesia’s State Gazette No. 54 dated 6 July Indonesia No. 54 tanggal 6 Juli 1982. Anggaran Dasar 1982. The Company’s Articles of Association have been Perseroan telah mengalami beberapa kali perubahan, amended several times, most recently by Notarial Deed No. terakhir dengan Akta Notaris No. 123 tanggal 28 April 2023 123 dated 28 April 2023 from Notary Jose Dima Satria, S.H., dari Notaris Jose Dima Satria, S.H., M.Kn., Notaris di Jakarta M.Kn., Notary in Jakarta concerning Statement of Meeting tentang Pernyataan Keputusan Rapat Perubahan Anggaran Resolutions on Amendments to the Articles of Association of Dasar PT Asuransi Tugu Pratama Indonesia Tbk. Perubahan PT Asuransi Tugu Pratama Indonesia Tbk. The amendments Anggaran Dasar tersebut telah memperoleh persetujuan dari to the Articles of Association have received approval from Menteri Hukum dan Hak Asasi Manusia Republik Indonesia the Minister of Law and Human Rights of the Republic of dalam Surat Keputusan No. AHU-AH.01.03-0059835 tanggal Indonesia in Decree No. AHU-AH.01.03-0059835 dated 5 5 Mei 2023. May 2023. Pada awal didirikan (1981-1984), Tugu Insurance At the beginning of its establishment (1981-1984), Tugu menjalankan bisnisnya dengan berfokus pada pemberian Insurance focused on the business of providing risk coverage pertanggungan risiko yang terjadi di industri minyak dan gas insurance in the national’s oil and gas industry, especially nasional, terutama perlindungan asuransi atas aset yang insurance protection for assets owned by State-Owned. dimiliki oleh perusahaan Badan Usaha Milik Negara (BUMN) Enterprise (SOE), PT Pertamina (Persero) as the holding PT Pertamina (Persero) selaku induk usaha. Selanjutnya company. Furthermore, in the quest for business expansion, selama periode tahun 1985-1998, Perseroan melakukan during 1985-1998 the Company invested in several domestic PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 49
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2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
ekspansi usaha di beberapa perusahaan, baik di dalam dan and foreign companies, until the establishment of several
luar negeri, hingga terbentuknya beberapa entitas anak yang subsidiaries under TUGU Group. All subsidiaries and
bersinergi di bawah payung TUGU Group. Semua entitas affiliates are operating in businesses that support the
anak maupun afiliasi bergerak dalam bidang usaha yang Company’s business activities and complement the products
menunjang kegiatan usaha Perseroan serta melengkapi and services offered.
produk dan jasa yang ditawarkan.
Tugu Insurance telah memiliki keahlian di segmen korporasi Tugu Insurance has expertise in the corporate segment
dan berpengalaman dalam memberikan layanan asuransi and profound experience in providing insurance services
kepada berbagai proyek migas dan energi berskala besar, to various large-scale oil and gas energy projects, starting
mulai dari menyediakan layanan perasuransian kepada from providing insurance services to PT Pertamina (Persero)
PT Pertamina (Persero) serta para mitra kerja dan berbagai and its partners and subsidiaries, as well as other
anak perusahaan PT Pertamina (Persero), dan juga para Cooperation Contract Holders (CCH). Going further, Tugu
Kontraktor Kontrak Kerja Sama (KKKS) lainnya. Dalam Insurance has not only entered the captive market but also
perkembangannya, Tugu Insurance telah merambah ke pasar has penetrated into the non-captive market, such as the
di luar captive market, yaitu pasar korporasi non-energi dan nonenergy corporate market and retail products with the vast
produk-produk retail yang memiliki potensi kontribusi premi premium contribution potential, given the small penetration
yang sangat besar, mengingat masih kecilnya penetrasi of insurance market nationwide in this segment. Tugu
asuransi nasional di segmen ini. Tugu Insurance telah Insurance has developed its business optimally by offering
mengembangkan bisnis secara maksimal melalui penawaran various types of insurance products, including insurance in
berbagai jenis produk asuransi yang ditawarkan, termasuk the energy, fire & property, aviation, engineering, marine hull,
asuransi di sektor energi, harta benda, penerbangan, marine cargo, protection & indemnity sectors, credit, liability,
rekayasa, rangka kapal, pengangkutan, protection & motor vehicle insurance, and sharia-based insurance.
indemnity, kredit, liability, asuransi kendaraan bermotor,
hingga asuransi berbasis syariah.
Dalam rangka memperkuat landasan permodalan guna In the quest of strengthening its capital structure to support
mendukung pengembangan bisnis Perseroan serta the Company’s business development and to enhance GCG
memperkokoh implementasi GCG di Perseroan, pada 2018 implementation in the Company, Tugu Insurance conducted
Tugu Insurance melakukan penawaran perdana sahamnya an Initial Public Offering (IPO) in 2018. As of 28 May 2018,
kepada masyarakat (Initial Public Offering atau disingkat the Company has listed its shares on the Indonesia Stock
IPO). Pencatatan saham Tugu Insurance di Bursa Efek Exchange, with the ticker code “TUGU”.
Indonesia dilaksanakan pada 28 Mei 2018 dengan kode
saham “TUGU”.
Selanjutnya, tepat satu bulan setelahnya Perseroan juga One month later, the Company carried out a brand & culture
melaksanakan transformasi brand & culture termasuk transformation including a change in corporate identity
perubahan corporate identity dengan meluncurkan corporate by launching the corporate brand name Tugu Insurance,
brand name Tugu Insurance, perubahan logo perusahaan dan changing the company logo and also changing the corporate
juga perubahan corporate brand central idea “Reaching New brand central idea “Reaching New Heights” along with the
Heights” disertai revitalisasi tata nilai budaya 6C pada 28 revitalization of the 6C cultural values on 28 June 2018.
Juni 2018.
Sesuai rencana dalam prospektus, alokasi penggunaan dana According to the plan, as stated in the prospectus, the
IPO antara lain difokuskan untuk mengembangkan bisnis allocation for the use of IPO proceeds will, among other
ritel dan reasuransi serta membangun infrastruktur inovasi things, be focused on developing retail and reinsurance
teknologi yang mendukung operasional bisnis Tugu Insurance businesses as well as building technological innovation
di era digitalisasi. Hal ini terealisasi dengan diluncurkannya infrastructure that supports Tugu Insurance’s operations
produk ritel berupa produk asuransi kendaraan roda dua in the digitalization era. This was implemented with the
bernama t ride dan roda empat t drive, serta aplikasi cerdas launch of retail products in the form of a two-wheeled vehicle
t drive untuk mengukur keterampilan maupun perilaku insurance product called t ride and four wheel t drive, as
berkendara. Untuk memperkuat positioning-nya di tanah air, well as a smart t drive application to measure driving skills
pada 2023 Tugu Insurance memiliki 31 Point of Sales and and behavior. To strengthen its positioning in the country, in
Services (PoSS) di berbagai wilayah strategis Indonesia yang 2023 Tugu has has 31 Points of Sales and Services (PoSS)
terbagi dalam 2 (dua) regional, yaitu Regional 1 terdiri dari in various strategic areas of Indonesia which are divided into
17 PoSS, dan Regional 2 terdiri dari 14 PoSS. 2 (two) regions, namely Region 1 consisting of 17 PoSS, and
Region 2 consisting of 14 PoSS.
50 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Visi, Misi, dan Nilai Keberlanjutan [OJK C.1]
Vision, Mission, and Sustainability Values [OJK C.1]
VISI
Menjadi perusahaan asuransi umum
nomor satu di Indonesia.
To be the number one
VISION general insurance company in Indonesia.
• Menciptakan • Creating customer
kepuasan pelanggan. satisfaction.
• Memberdayakan SDM • Empowering
menjadi insan yang profesional. human resources to
MISI
become professional.
• Mengoptimalkan
nilai perusahaan • Optimizing company value
secara berkelanjutan. in a sustainable manner.
MISSIONS • Mengembangkan perusahaan • Developing the insurance
asuransi menjadi kebanggaan company to become the
bangsa Indonesia yang pride of Indonesia and a
berkelas dunia. world-class company.
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Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Budaya Perusahaan dan Tata Nilai Perusahaan
Corporate Culture and Values
Kementerian Badan Usaha Milik Negara telah menerbitkan As part of the transformation of State-Owned Enterprises
Surat Edaran penerapan AKHLAK sebagai nilai-nilai utama (SOE) in the Human Resources aspect, the Ministry of
(core values) sebagai bagian dari transformasi perusahaan SOEs issued a Circular Letter on the implementation of
BUMN pada aspek sumber daya manusia (SDM). Nilai- AKHLAK as core values, to be further implemented in SOEs,
nilai utama ini selanjutnya diterapkan di seluruh lingkup subsidiaries, and consolidated affiliated companies. As a
BUMN, termasuk anak perusahaan dan perusahaan afiliasi subsidiary of PT Pertamina (Persero), Tugu Insurance also
terkonsolidasi. Untuk itu, Tugu Insurance selaku anak usaha applies AKHLAK by adjusting the behavior of the 6C Values
dari PT Pertamina (Persero) turut menerapkan core values towards the implementation of the AKHLAK Principles.
AKHLAK dengan penyesuaian perilaku Tata Nilai 6C terhadap
penerapan Prinsip AKHLAK.
Tata nilai 6C yang dimiliki Perseroan dan revitalisasi yang The Company’s 6C values and the revitalization, which
dilakukan sejak tahun 2018 sudah menjadi bagian dan has been in effect since 2018, have become a part of the
panduan internal dalam melaksanakan aktivitas bekerja di Company’s internal guidelines in carrying out work activities.
Perseroan. Untuk terus beradaptasi terhadap prinsip-prinsip To continuously adapt to the principles of value that can be
nilai yang dapat diterapkan di Perseroan, maka tata nilai 6C applied in the Company, the 6C values are aligned with the
diselaraskan dengan core values AKHLAK, sehingga AKHLAK core values of AKHLAK. This way, AKHLAK can be positioned
dapat diposisikan sebagai panduan perilaku yang menjadi as a behavioral guide that becomes the navigation for Tugu
navigasi bagi Insan Tugu untuk terus bertransformasi Personnel to continue transforming by implementing it in
dengan penerapan secara sungguh-sungguh, konsisten, a serious, consistent, and consequent manner. This all
dan konsekuen, yang pada akhirnya menjadi identitas ultimately becomes an identity and cultural attachment that
dan perekat budaya yang mendukung peningkatan kinerja supports a constant performance improvement.
secara berkelanjutan.
Amanah Clean Loyal Commited
Memegang teguh kepercayaan yang diberikan Berdedikasi dan mengutamakan kepentingan Bangsa dan Negara
Upholding the trust that has been given Dedicating and putting the Nation above anything else
Kompeten Capable Adaptif Creative &
Customer Focused
Terus belajar dan mengembangkan kapabilitas Terus berinovasi dan antusias dalam menggerakkan ataupun menghadapi
Continuing to learn and expand capabilities perubahan
Continuing to innovate and enthusiastic in encouraging or
facing the changes
Harmonis Committed,
Collaborative & Clean Kolaboratif Collaborative
Saling peduli dan menghadapi perbedaan Membangun kerjasama yang sinergis
Caring and respecting differences Creating synergic cooperation
52 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Skala Usaha [OJK C.3]
Business Scale [OJK C.3]
Informasi skala usaha Perseroan meliputi: 1) Total aset dan Information on the Company’s business scale includes: 1)
total liabilitas; 2) Jumlah karyawan yang dibagi menurut Total assets and total liabilities; 2) Total employees based
jenis kelamin, jabatan, usia, pendidikan, dan status on gender, position, age, education, and employment status;
ketenagakerjaan; 3) Persentase kepemilikan saham; dan 4) 3) Percentage of share ownership; and 4) Operational area.
wilayah operasional.
Ringkasan Skala Usaha Satuan
2023 2022 2021
Summary of Business Scale Unit
Informasi Keuangan
Financial Information
Jumlah Aset Miliar Rp
25.138 21.581 20.188
Total Assets Billion IDR
Jumlah Liabilitas Miliar Rp
14.858 12.409 11.398
Total Liabilities Billion IDR
Jumlah Ekuitas Miliar Rp
10.280 9.172 8.790
Total Equity Billion IDR
Pendapatan Miliar Rp
3.591 3.094 2.816
Revenues Billion IDR
Laba Tahun Berjalan Miliar Rp
1.302 395 327
Income for the Year Billion IDR
Informasi Produksi
Information on Production
Premi Bruto Miliar Rp
7.710 6.706 5.986
Gross Premium Billion IDR
Premi Reasuransi dan retrosesi Miliar Rp
(4.368) (3.519) (3.298)
Reinsurance and Retrocession Premium Billion IDR
Jumlah Karyawan* Orang
459 431 434
Total Employees* Employee
Kepemilikan Saham Terbesar*
% 58,50 58,50 58,50
Largest Share Ownership*
Wilayah Operasional* Cabang 12 12
Operational Area* Branches
PoSS 31 22 24
Jumlah Produk/Jasa Jenis • Asuransi Umum • Asuransi Umum • Asuransi Umum
Total Products/Services Type Korporat & Retail Korporat & Retail Korporat & Retail
• Asuransi Umum • Asuransi Umum • Asuransi Umum
Syariah Syariah Syariah
• General Corporate • General Corporate • General Corporate
& Retail Insurance & Retail Insurance & Retail Insurance
• Sharia General • Sharia General • Sharia General
Insurance Insurance Insurance
*) Informasi lebih lengkap disampaikan secara terpisah
*) Detail information is presented separately
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
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
2023 sebanyak 459 orang, meningkat dibanding jumlah of 2023 was 459 employees, more than the number of
karyawan tahun 2022 sebanyak 431 orang. Perseroan employees in 2022 of 431 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 data
dalam mengklasifikasikan data karyawan sesuai kelompok according to gender, contract workers or permanent workers
gender, pekerja kontrak atau pekerja tetap dan wilayah and work areas. The complete composition of employees for
kerja. Komposisi karyawan selama 3 periode selengkapnya 3 periods is presented in the following table:
disajikan dalam tabel berikut:
Karyawan Berdasarkan Kontrak Kerja Ketenagakerjaan dan Jenis Kelamin (Orang)
Employee Composition Based on Employment Contracts and Gender (Employees)
2023 2022 2021
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) 230 123 353 233 122 355 228 116 344
Permanent Employees
Pekerja Waktu Tertentu (Pekerja
Kontrak) 50 46 96 44 23 67 54 27 81
Contract Employees
Pekerja Perbantuan (PT Pertamina
(Persero))
0 2 2 0 2 2 1 2 3
Seconded Employees (PT Pertamina
(Persero))
Pekerja Diperbantukan di Entitas Anak
7 1 8 6 1 7 5 1 6
Employees Seconded at Subsidiaries
Jumlah
287 172 459 283 148 431 288 146 434
Total
Karyawan Berdasarkan Jabatan (Level Organisasi)
Employee Composition Based on Position (Organization Level)
2023 2022 2021
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 0 1 1 0 1
Deputy Director
Group Head 15 5 20 16 7 23 17 6 23
Pekerja Perbantuan di Anak Perusahaan
7 1 8 6 1 7 5 1 6
Seconded Employees at Subsidiaries
Department Head 44 12 56 46 9 55 53 8 61
Manajer
26 8 34 22 9 31 19 8 27
Manager
Officer 124 64 188 118 53 171 88 37 125
Staf
67 81 148 70 69 139 101 86 187
Staff
Pelaksana
3 0 3 4 0 4 4 0 4
Support
Jumlah
287 172 459 283 148 431 288 146 434
Total
54 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
Page 55
Karyawan Berdasarkan Usia
Employee Composition Based on Age Range
2023 2022 2021
Rentang Usia
Age Range Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
21-30 36 58 94 32 50 82 40 59 99
31-40 119 74 193 127 61 188 122 53 175
41-50 80 34 113 68 30 98 66 26 92
>=51 52 6 59 56 7 63 60 8 68
Jumlah
287 172 459 283 148 431 288 146 434
Total
Karyawan Berdasarkan Pendidikan
Employee Composition Based on Educational Level
2023 2022 2021
Tingkat Pendidikan
Educational Level Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
S3
1 0 1 1 0 1 0 0 0
Doctoral
S2
54 14 68 47 14 61 46 16 62
Post Graduate
Sarjana dan sederajat
221 153 374 221 129 350 227 125 352
Graduate and Equivalent
Diploma 7 5 12 9 5 14 10 5 15
SMU Sederajat
2 0 2 2 0 2 2 0 2
Senior High School & Equivalent
SMP Sederajat
1 0 1 1 0 1 1 0 1
Junior High School and Equivalent
SD Sederajat
1 0 1 2 0 2 2 0 2
Elementary School and Equivalent
Jumlah
287 172 459 283 148 431 288 146 434
Total
Karyawan Berdasarkan Wilayah dan Jenis Kelamin (Orang)
Employees by Region and Gender (Employees)
2023 2022 2021
Status Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
Kantor Pusat
212 136 348 204 116 320 203 112 315
Head Office
Kantor Cabang 2023 2023 2023
Branch Offices cabang cabang cabang
menjadi menjadi menjadi
PoSS PoSS PoSS
In 2023, In 2023, In 2023, 43 24 67 54 27 81
branch branch branch
offices offices offices
became became became
PoSS PoSS PoSS
Kantor PoSS
68 35 103 30 7 37 26 6 32
PoSS Offices
AP 7 1 8 6 1 7 5 1 6
Jumlah
287 172 459 283 148 431 288 146 434
Total
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 55
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
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 2023 berdasarkan catatan yang dibuat oleh Biro share ownership at the beginning and end of 2023 based
Administrasi Efek Perseroan, PT Dantindo Entrycom, dapat on records made by the Company’s Share Registrar,
dilihat sebagai berikut: PT Datindo Entrycom:
Komposisi Pemegang Saham Tugu dengan Kepemilikan Saham >5%
Composition of Tugu Shareholders with Share Ownership of >5%
2 Januari 2023 31 Desember 2023
2 January 2023 31 December 2023
Nama Pemegang Saham Kepemilikan Kepemilikan
Name of Shareholder Jumlah Saham Saham Jumlah Saham* Saham
Total Shares Shareholding Total Shares* Shareholding
(%) (%)
PT Pertamina (Persero) 1.040.000.000 58,50% 2.080.000.000 58,50%
UOB Kay Hian Pte. Ltd. 282.380.000 15,88% 565.040.000 15,89%
Samsung Fire and Marine Insurance
94.117.000 5,29% 188.234.000 5,29%
Co. Ltd.
Pemegang Saham Lainnya (di bawah
5%) 361.290.800 20,32% 722.301.600 20,32%
Other shareholders (under 5%)
Jumlah
1.777.787.800 100% 3.555.575.600 100%
Total
*) Setelah stock split dengan rasio 1:2
*) After stock split with a ratio 1:2
Wilayah Operasional [GRI 2-1]
Operational Area [GRI 2-1]
Tugu Insurance beroperasi di Indonesia dan memiliki wilayah Tugu Insurance operates in Indonesia and has overseas
operasi di luar negeri dengan adanya Kantor Perwakilan di operating areas with Representative Offices in Hong Kong,
Hong Kong, dan London. Tugu Insurance berkantor pusat di and London. Tugu Insurance is headquartered in DKI Jakarta
DKI Jakarta dan mempunyai 31 Point of Sales and Services and has 31 Point of Sales and Services (PoSS) in major
(PoSS) di kota-kota besar dan titik strategis Indonesia, yaitu cities and strategic points in Indonesia, namely in Surabaya,
di Surabaya, Bandung, Semarang, Cirebon, Denpasar, Medan, Bandung, Semarang, Cirebon, Denpasar, Medan, Palembang,
Palembang, Lampung, Pekanbaru, Balikpapan, Makassar, Lampung, Pekanbaru, Balikpapan, Makassar, Serpong, dan
Serpong, dan Group & Related Business. Informasi wilayah Group & Related Business. Information on the Company’s
operasional disajikan sebagaimana dalam tabel berikut: operational area 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
Operational Area in Indonesia
PoSS (Point of Sales & 31 PoSS (Points of Sales & Service) yaitu | 31 PoSS (Points of Sales & Service) namely
Service) Group & Related Regional 1 | Region 1
Branch Medan, Pekanbaru, Palembang, Lampung, Group & Related, Wisma Tugu I, Kelapa Gading, Cibubur, Serpong x
Cilegon, Bekasi, Karawang, Serang, Pondok Indah, Bogor, Jambi, Padang, Aceh
Regional 2 | Region 2
Bandung, Cirebon, Semarang, Solo, Yogyakarta, Surabaya, Malang, Denpasar, Makassar, Palu, Balikpapan, Pontianak,
Samarinda, Banjarmasin
Wilayah Operasi di Luar Negeri
Operational Area Overseas
Kantor Perwakilan Hong Kong dan London
Representative Offices Hong Kong and London
56 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
Page 57
Peta Wilayah Operasional
Operational Area Map
Regional 1 5. GROUP & RELATED POSS 10. BEKASI POSS 15. JAMBI POSS
Jl. H.R. Rasuna Said Ruko Emerald Summarecon Komplek Ruko Transmart
1. MEDAN POSS Kav. C8-9 Jakarta 12920 Bekasi Blok UF 09 Jambi Blok A 20
Jl. Palang Merah No. 116 RT. 005/RW. 011 Marga Jalan Jend Sudirman
Medan 20112 6. WISMA TUGU I POSS Mulya, Kota Bekasi 17113 Kel. Tambak Sari
Telp: +62-61-457 7705 Jl. H.R. Rasuna Said Kec. Jambi Selatan
62-61-414 5411 Kav. C8-9 Jakarta 12920 11. KARAWANG POSS Kota Jambi 36139
Fax: 061 - 88817406 Grand Taruma Telp: 0741-3603-724
7. KELAPA GADING POSS Jl. Dharmawangsa II Blok
2. PEKANBARU POSS Ruko Italian Walk Blok C HW No.29 RT 015 RW 008 16. PADANG POSS
Sudirman City Square, Ruko No. 09, Jl. Boulevard Barat Kel. Sukamakmur Jl. Kis Mangunsarkoro No. 3
No. A-01 Jl. Jend. Sudirman Raya No. 1, Kelapa Gading Kec. Telukjambe Timur Kel. Jati Baru Kec. Padang
Pekan Baru Riau 28111 Barat Karawang Barat 41361 Timur Kota Padang
Telp: 0761-865 6207 Telp: 0751-8957288
0761-865 6631 8. CIBUBUR POSS 12. SERANG POSS
Mall Cibubur Junction Jl. Jendral Sudirman No.65 17. ACEH POSS
3. PALEMBANG POSS Jl. Jambore No. 1 Sumur Pecung, Kec. Serang Jl. DR. Mr. H. T. Muhammad
Kompleks Pertamina RT. 8/RW. 7, Cibubur Kota Serang, Banten 42118 Hasan, Gampong
Kenten, Jl. AKBP Cek Agus Kec. Ciracas, Kota Jakarta Sukadamai, Kec. Lueng
No. 12, 8 Ilir Ilir Timur Timur, Daerah Khusus 13. PONDOK INDAH POSS Bata, Kota Banda Aceh
Palembang 30114 Ibukota Jakarta 13720 Jl. Radio Dalam Raya
Telp: +62-711-573 3633 No. Unit: LT2 - 55 No. 34, Kebayoran Baru
+62-711-573 3376 Jakarta Selatan, Indonesia
Fax: 0711-5733771 9. SERPONG POSS x
CILEGON POSS 14. BOGOR POSS
4. LAMPUNG POSS Ruko Bolsena Blok A 33 Ruko Casablanca
Jl. Jend. Sudirman Jl. Gading Serpong Jl. KS Tubun No. 1- 6
No. 23 C-D Boulevard No. 33 Cibuluh, Kec. Bogor Utara
Bandar Lampung 35111 Kabupaten Tangerang Kota Bogor - Jawa Barat
Telp: 0721-601 1311 Banten 15811 16151
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 57
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Regional 2 5. YOGYAKARTA POSS 10. PALU POSS 14. BANJARMASIN POSS
JL. Affandi No. 29 C1 RT. 12 Jln. Towua, Kel. Tatura Jl. Gatot Subroto Raya
1. BANDUNG POSS RW. 5, Mrican, Caturtunggal Selatan, Kec. Palu Selatan No. 113, Kelurahan
Jl. BKR No. 19 A RT. 09/ Depok, Sleman, Yogyakarta Kota Palu Kebun Bunga, Kecamatan
RW. 06 Kel. Cijagra Prov. Sulawesi Tengah Banjarmasin Timur, Kota
Kec. Lengkong Bandung 6. SURABAYA POSS Banjarmasin, Kalimantan
40254 Wisma Tugu Darmo Jl. Raya 11. BALIKPAPAN POSS Selatan 70235
Telp: 62-22-8732 8455, Darmo No. 64 Surabaya Komplek Pertokoan Telp: 0511-678-2954
62-22-7328 0955 Jawa Timur 60264 Balikpapan Super Block
Telp: 031-566-4470 (BSB) Blok E No. 11
2. CIREBON POSS Fax: 031-5664471 Jl. Jend. Sudirman
Cirebon Super Block Office Balikpapan<br />
Park P10, Jl. Dr. Cipto 7. MALANG POSS Kalimantan Timur
Mangunkusumo No. 26 Ruko Sarangan Telp: 0542-721 9899
Cirebon 45131 Jawa Barat Jl. Sarangan 1E, Lowokwaru Fax: 0542-7219979
Malang 65141
3. SEMARANG POSS Telp: 0341-43877377 12. PONTIANAK POSS
Jl. M.T. Haryono No.798 B Komplek Perkantoran
Semarang 50124 8. DENPASAR POSS Pontianak Mall
Jawa Tengah Jl. Gatot Subroto No. 335 Jl. Teuku Umar Blok C-25
Telp: 024-841-0677 Denpasar Bali 80111 Telp: 0561 - 8185-627
024-841-0678 Telp: 0361-909-3160
13. SAMARINDA POSS
4. SOLO POSS 9. MAKASSAR POSS Komplek Ruko Grand
Sentra Niaga Solo Baru Jl. Lamadukelleng Buntu Mahakam Jalan Siradj
Komplek The Park Mall No. 82 Mariso Salman Samarinda
Jl. Soekarno Blok A No. 5A Kunjung Mae, Makassar Kecamatan Samarinda Ulu
Solo Baru Sulawesi Selatan 90111 Kota Samarinda
Telp: 021-529-61777 Kalimantan Timur 75243
Telp: 0541 7810179
58 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
Page 59
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 untuk memberikan layanan perlindungan
terbaik melalui berbagai produk asuransi di segmen korporasi dan retail (baik konvensional dan
syariah) dan juga reasuransi. Saat ini jumlah produk berizin OJK yang dimiliki perseroan sekitar
100 produk asuransi.
Informasi produk dan jasa secara terperinci juga disajikan dalam laporan Tahunan 2023
pada bagian profil perusahaan. Namun secara ringkas, produk dan jasa Tugu Insurance dapat
diuraikan sebagai berikut:
Tugu Insurance relentlessly makes breakthroughs and innovations to provide the best protection
services through various products in corporate and retail segments (conventional and sharia)
and reinsurance. Currently, the number of OJK licensed products owned by the company is
approximately 100 insurance products.
Detailed product and service information is also presented in the 2023 Annual report in the
Company Profile chapter. However, in brief, Tugu Insurance’s products and services 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 Kelautan | Marine Insurance
• Asuransi Kredit dan Penjaminan | Credit and Suretyship Insurance
• Asuransi Tanggung Gugat | Liability Insurance
• Asuransi Energi | Energy Insurance
• Asuransi Kesehatan | Health Insurance
• Asuransi Penerbangan & Satelit | Aviation & Satellite Insurance
• Asuransi Aneka | Miscellaneous Insurance
Ritel • Asuransi Kendaraan Bermotor | Motor Vehicle Insurance
Retail • Asuransi Harta Benda | Property Insurance
• Asuransi Kesehatan | Health Insurance
• Asuransi Kecelakaan Diri | Personal Accident Insurance
• Produk Lainnya | Other Products
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 59
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
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.
Layanan Layanan Layanan
Management Risiko Penilaian Risiko Pemeriksaan Risiko
Risk Management Risk Valuation Risk Survey/Assesment
Fasilitas dan layanan pendukung yang dapat dijangkau oleh Supporting facilities and services for the customers are as
pelanggan antara lain: follows:
Call TIA (Tugu Insurance Assistance)
Pelayanan Konsumen tersedia 24 jam 7 hari melalui “Call TIA” 1500 458, WhatsApp
081197900100 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.
Call TIA (Tugu Insurance Assistance)
Customer Service is available 24/7 via “Call TIA” 1500 458, WhatsApp 081197900100 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.
t Rex (Tugu Real Experience)
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.
60 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Aplikasi t drive
Untuk meningkatkan kesadaran mengemudi kendaraan secara aman, Tugu Insurance
meluncurkan aplikasi t drive. Aplikasi ini dapat diunduh via smartphone oleh masyarakat luas
melalui Google Play untuk platform Android dan Apple App Store.
t drive Application
To increase awareness of vehicle safety, Tugu Insurance has launched a t drive application.
This application can be downloaded on a smartphone via Google Play for the Android platform
and the Apple App Store.
Aplikasi 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.
T friends Application
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.
Sosial 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:
Social Media
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 | @mytdrive.id | @lifeattugu
Facebook: @tuguinsurance.id | @mytdrive_id
Linkedin: PT Asuransi Tugu Pratama Indonesia Tbk
X: @tuguinsurance | @mytdrive_id
TikTok: @tuguinsurance | @mytdrive.id
Youtube: Tugu Insurance | @mytdrive_id
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 61
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
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.
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 dengan kegiatan which are relevant and supportive to its business activities.
usaha Perseroan. Tugu Insurance meyakini dengan Tugu Insurance believes that its participation in the
keikutsertaan dalam asosiasi-asosiasi tersebut menambah associations will expand network and gain more information
nilai manfaat jaringan dan informasi berbagai perkembangan on developments related to business management, and
yang terkait pengelolaan bisnis, serta membantu help to express the stakeholders’ aspirations. As of the
menyuarakan aspirasi para pemangku kepentingan. Daftar reporting period, Tugu Insurance has participated in the
asosiasi yang diikuti oleh Tugu Insurance sampai dengan following associations:
periode pelaporan, 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 and Industry (KADIN) Member
62 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Nama Asosiasi Status Keanggotaan
Association Name Membership Status
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
Perubahan Signifikan [OJK C.6]
Significant Changes [OJK C.6]
Selama periode pelaporan, terdapat perubahan signifikan There were significant changes in Tugu Insurance during
di Tugu Insurance berupa perubahan komposisi Dewan the reporting period such as in the form of changes in
Komisaris dan Direksi, wilayah operasi berkaitan dengan the composition of the Board of Commissioners and
kantor cabang menjadi PoSS dan jumlah pemasok. Directors, operating areas related to branch offices to PoSS
Perubahan tersebut disajikan dalam tabel: and the number of suppliers. These changes are in the
1. Menyetujui untuk memberhentikan dengan hormat following table:
Anggota Direksi, anggota Dewan Komisaris dan anggota 1. Approve to respectfully dismiss members of the Board of
Dewan Pengawas Syariah Perseroan yang berakhir masa Directors, members of the Board of Commissioners and
jabatannya terhitung sejak ditutupnya Rapat Umum members of the Company's Sharia Supervisory Board
Pemegang Saham Tahunan (RUPST) sebagai berikut: whose term of office ends as of the closing of the Annual
General Meeting of Shareholders (AGMS) as follows:
a. Tuan Adi Zakaria Afiff sebagai Komisaris Independen; a. Mr. Adi Zakaria Afiff as Independent Commissioner;
b. Tuan Jafril Khalil sebagai Ketua Dewan b. Mr. Jafril Khalil as Chairman of the Sharia
Pengawas Syariah; Supervisory Board;
c. Tuan Muhammad Maksum sebagai Dewan c. Mr. Muhammad Maksum as Member of Sharia
Pengawas Syariah; Supervisory Board;
d. Tuan Syaiful Azhar sebagai Direktur Teknik; dan d. Mr. Syaiful Azhar as Technical Director; and
e. Tuan Budi P. Amir sebagai Direktur Kepatuhan & e. Mr. Budi P. Amir as Director of Compliance &
Manajemen Risiko. Risk Management.
2. Menyetujui Pengunduran diri Nona Amelia Kurniawan 2. Approved the resignation of Miss Amelia Kurniawan as
sebagai Komisaris terhitung sejak ditutupnya RUPST. Commissioner effective from the closing of the AGMS.
3. Menyetujui pengangkatan kembali anggota Dewan 3. Approved the re-appointment of members of the Board
Komisaris dan Direksi Perseroan terhitung sejak of Commissioners and Directors of the Company starting
ditutupnya RUPST sampai dengan penutupan RUPS from the closing of the AGMS until the closing of the 3rd
Tahunan ke-3 (ketiga) pada akhir 1 (satu) periode (third) Annual GMS at the end of 1 (one) term of office
masa jabatan dimaksud dengan memperhatikan with due observance of statutory regulations in the
peraturan perundang-undangan di bidang Pasar Modal, Capital Market sector, however, this does not reduce
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2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
namun demikian tidak mengurangi hak RUPS untuk the rights GMS to dismiss members of the Board of
memberhentikan anggota Dewan Komisaris dan anggota Commissioners and members of the Board of Directors at
Direksi tersebut sewaktu-waktu sebelum masa jabatannya any time, before their term of office ends:
berakhir, sebagai berikut:
a. Tuan Poerwo Tjahjono sebagai Komisaris Independen; a. Mr. Poerwo Tjahjono as Independent Commissioner;
dan And
b. Tuan Ery Widiatmoko sebagai Direktur b. Mr. Ery Widiatmoko as Insurance Marketing Director.
Pemasaran Asuransi.
4. Mengusulkan pengangkatan Anggota Dewan Komisaris, 4. Propose the appointment of members of the Board of
Dewan Pengawas Syariah, dan Direksi terhitung efektif Commissioners, Sharia Supervisory Board and Board
sejak tanggal ditetapkannya Hasil Penilaian Kemampuan of Directors effective from the date of the stipulation of
dan Kepatutan Otoritas Jasa Keuangan (OJK) dan berakhir the Results of the Financial Services Authority (OJK) Fit
pada penutupan RUPS Tahunan ke-3 (ketiga) pada and Proper Test, and ending at the closing of the 3rd
akhir 1 (satu) periode masa jabatan dimaksud dengan (third) Annual GMS at the end of 1 (one) term of office
memperhatikan peraturan perundang-undangan di bidang in question, taking into account statutory regulations in
Pasar Modal, namun demikian tidak mengurangi hak the Capital Market sector, however, this does not reduce
RUPS untuk memberhentikan anggota Dewan Komisaris, the right of the GMS to dismiss members of the Board of
Dewan Pengawas Syariah, dan Direksi tersebut sewaktu- Commissioners, Sharia Supervisory Board and Directors
waktu sebelum masa jabatannya berakhir, sebagai at any time, before their term of office ends:
berikut:
a. Tuan Samuel Lie (Samuel Ramna) sebagai Komisaris; a. Mr. Samuel Lie (Samuel Ramna) as Commissioner;
b. Tuan Tajudin Noor sebagai Komisaris Independen; b. Mr. Tajudin Noor as Independent Commissioner;
c. Tuan Muhammad Maksum sebagai Ketua Dewan c. Mr. Muhammad Maksum as Chairman of the Sharia
Pengawas Syariah; Supervisory Board;
d. Nyonya Siti Hannah sebagai Dewan Pengawas Syariah; d. Mrs. Siti Hannah as Sharia Supervisory Board;
e. Tuan Sudarlin sebagai Direktur Teknik; dan e. Mr. Sudarlin as Technical Director; and
f. Tuan Edi Yoga Prasetyo sebagai Direktur Kepatuhan & f. Mr. Edi Yoga Prasetyo as Director of Compliance &
Manajemen Risiko. Risk Management.
Tabel Perubahan Signifikan
Table of Significant Changes
Uraian
2023 2022
Description
Perubahan pada Manajemen
Changes in Management
1. Dewan Komisaris
Board of Commissioners
• Presiden Komisaris dan Komisaris Independen
President Commissioner and Independent Dian Masyita Dian Masyita
Commissioner
• Komisaris
Bagus Agung Rahadiansyah Bagus Agung Rahadiansyah
Commissioner
• Komisaris
Samuel Lie (Samuel Ramna) Amelia Kurniawan
Commissioner
• Komisaris Independen
Tajudin Noor* Adi Zakaria Afiff
Independent Commissioner
• Komisaris Independen
Poerwo Tjahjono Poerwo Tjahjono
Independent Commissioner
2. Direksi
Board of Directors
• Presiden Direktur
Tatang Nurhidayat Tatang Nurhidayat
President Director
• Direktur Keuangan & Layanan Korporat
Emil Hakim Emil Hakim
Director of Finance & Corporate Services
• Direktur Teknik
Sudarlin Syaiful Azhar
Technical Director
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Tabel Perubahan Signifikan
Table of Significant Changes
Uraian
2023 2022
Description
• Direktur Pemasaran Asuransi
Ery Widiatmoko Ery Widiatmoko
Director of Insurance Marketing
• Direktur Kepatuhan & Manajemen Risiko
Edi Yoga Prasetyo** Budi P. Amir
Director of Compliance & Risk Management
Perubahan pada wilayah operasi
Changes in Operational Areas
Jumlah Kantor Regional/Kantor Cabang/PoSS
2/-/31 2/12/22
The number of Regional Offices/Branch Offices/PoSS
Perubahan jumlah pemasok
98 97
Change in the total suppliers
*) Telah lulus hasil penilaian kemampuan dan kepatutan berdasarkan Surat Keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan
No. KEP-6/D.05/2024 tanggal 18 Januari 2024.
**) Telah lulus hasil penilaian kemampuan dan kepatutan berdasarkan Surat Keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan
No. KEP-5/D.05/2024 tanggal 18 Januari 2024.
*) Has passed the fit and proper test based on the Decree of the Members of the Board of Commissioners of the Financial Services Authority
No. KEP-6/D.05/2024 dated 18 January 2024.
**) has passed the fit and proper test based on the Decree of the Members of the Board of Commissioners of the Financial Services Authority
No. KEP-5/D.05/2024 dated 18 January 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 Company’s
sebagian proses bisnis perusahaan. Berikut ini adalah business processes due to its expertise. The following
data jumlah pemasok dan nilai kontrak pekerjaan yang is data on total suppliers and the contract values of
bekerjasama dengan Perusahaan. cooperation with the Company.
Jumlah Pemasok Barang dan Jasa
Total Goods and Services Suppliers
Lokasi Geografis Jumlah Pemasok Barang & Jasa Nilai Kontrak Pekerjaan (Juta)
Pemasok Total Goods and Services Suppliers Work Contract Value (Million)
Supplier Location 2023 2022 2021 2023 2022 2021
Nasional (Lokal)
93 94 87 85.614.338.007 227.836.724.422 70.693.847.853
National (Local)
Internasional
5 3 1 473.902.342 351.445.260 19.134.340
International
Jumlah
98 97 88 86.088.240.349 228.188.169.682 70.712.982.193
Total
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Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Inisiatif Eksternal
External Initiatives
Untuk mewujudkan dan melakukan praktik terbaik, Tugu Insurance melakukan sertifikasi internasional seperti: Mendapatkan
international rating A- “Excellent” dari A.M. Best, dimana Tugu Insurance merupakan perusahaan asuransi umum nasional
pertama yang berhasil meraih predikat ini. Selain itu, pada tahun 2023, Perseroan mendapatkan berbagai penghargaan dari
pihak eksternal, antara lain:
To actualise and implement best practices, Tugu Insurance adopts international certifications, such as: Receiving an
international rating of A- “Excellent” from A.M. Best wherein Tugu Insurance is the first national general insurance company to
win this title. Moreover in 2023, the Company obtained many awards from external parties, including:
Indonesia Excellence Good Corporate Indonesia’s Popular Digital Product Best Public Relations in Company
Governance Ethics in Providing Awards 2023 (Financial Industry) Management on Providing Corporate
Precise and Reliable Insurance E-Customer Service in General Insurance Product Diversification to
Services Category General Insurance Finance Category Strengthen Business Transformation
Acara/Ajang Acara/Ajang Acara/Ajang
Event Event Event
Indonesia Excellence GCG Awards 2023 Indonesia’s Popular Digital Products Awards Indonesia Public Relation Awards (IPRA) 2023
2023
Tanggal Tanggal
Date Tanggal Date
31 Januari 2023 Date 24 Februari 2023
31 January 2023 17 Februari 2023 24 February 2023
17 February 2023
Diberikan Oleh Diberikan Oleh
Awarded By Diberikan Oleh Awarded By
Warta Ekonomi Awarded By Warta Ekonomi
The Iconomics
Best Performance Chief Financial Officer 2023 in Realizing Sustainable Growth by
Strengthening Business Segmentation Category General Insurance
Acara/Ajang
Event Diberikan Oleh
Indonesia Best CFO Awards 2023 Awarded By
Warta Ekonomi
Tanggal
Date
28 Februari 2023
28 February 2023
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Bronze Winner PRIA 2023 “Sektor The Highest Digital Index General Indonesia Best Sharia Finance 2023
Anak Usaha BUMN Kategori Laporan Insurance Company with Outstanding Comprehensive
Tahunan Sub Kategori Sustainability Sharia Insurance Products Availability
Report Acara/Ajang for Various Market Segmentation
Event
Bronze Winner PRIA 2023 "BUMN Subsidiary
Sector Category Annual Report Sub Category Infobank 12th Digital Brand Awards 2023 Acara/Ajang
Sustainability Report Event
Tanggal Indonesia Sharia Finance Awards 2023
Date
Acara/Ajang
Event 12 April 2023 Tanggal
PR Indonesia Awards (PRIA) 2023 Date
Diberikan Oleh 10 Mei 2023
Awarded By
Tanggal 10 May 2023
Date Infobank
17 Maret 2023 Diberikan Oleh
17 March 2023 Awarded By
Warta Ekonomi
Diberikan Oleh
Awarded By
PR Indonesia
Grand Digital Marketing Company 2023 for The Informative Social Media Content
Acara/Ajang Diberikan Oleh
Event Awarded By
Indonesia Grand Digital Marketing Awards Warta Ekonomi
2023
Tanggal
Date
10 Mei 2023
10 May 2023
Indonesia Best CSR Awards 2023
Acara/Ajang Diberikan Oleh
Event Awarded By
5th Indonesia Best CSR Awards 2023 The Iconomics
Tanggal
Date
25 Mei 2023
25 May 2023
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Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Bronze Winner Media Relation Award 2023 Kategori Media Special Program
Acara/Ajang Diberikan Oleh
Event Awarded By
Media Relations Award SPS
Tanggal
Date
Mei 2023
May 2023
Best Leader for Sustainability Indonesia Outstanding Millennials’ CallTIA – Tugu Insurance Kategori Call
Acceleration Through Diversification Brand Choice 2023 Center Car Insurance
of Insurance Products and Services CallTIA – Tugu Insurance Call Center Car
Acara/Ajang Insurance Category
Event
Acara/Ajang
Event Indonesia Millennial’s Brand Choice Awards Acara/Ajang
Indonesia Financial Top Leader Awards 2023 2023 Event
Contact Center Service Excellence Award 2023
Tanggal Tanggal
Date Date Tanggal
31 Mei 2023 31 Mei 2023 Date
31 May 2023 31 May 2023 Juli 2023
July 2023
Diberikan Oleh Diberikan Oleh
Awarded By Awarded By Diberikan Oleh
Warta Ekonomi Warta Ekonomi Awarded By
Majalah Marketing
The Best SPEx2 Company in General Insurance Industry
Acara/Ajang Diberikan Oleh
Event Awarded By
The 8th Annual 2023 SPEx2 DX Award Kontan
Tanggal
Date
6 Juli 2023
6 July 2023
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The Best Performance in 10 Consecutive Years for General Insurance Company
Acara/Ajang Diberikan Oleh
Event Awarded By
Second Half Year Economic Outlook 2023 Infobank
Tanggal
Date
27 Juli 2023
27 July 2023
The Highest Score General Insurance General Insurance Market Leaders The Best Performance General
Company 2023 Award 2023 Insurance Company 2023
Acara/Ajang Acara/Ajang Acara/Ajang
Event Event Event
24th Insurance Award 2023 2023 Insurance Market Leaders Award Second Half Year Economic Outlook 2023
Tanggal Tanggal Tanggal
Date Date Date
27 Juli 2023 27 Juli 2023 27 Juli 2023
27 July 2023 27 July 2023 27 July 2023
Diberikan Oleh Diberikan Oleh Diberikan Oleh
Awarded By Awarded By Awarded By
Infobank Media Asuransi Infobank
Best Insurance 2023 Kategori Asuransi Umum Beraset di atas Rp5 triliun
Best Insurance 2023 in the General Insurance Category with Assets above IDR 5 trillion
Acara/Ajang Diberikan Oleh
Event Awarded By
Investor Daily Awards 2023 Investor Daily
Tanggal
Date
28 Juli 2023
28 July 2023
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2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Indonesia Corporate Reputations Bronze Winner Media Relations Award Best TJSL 2023 with Outstanding
Awards 2023 2023 Program in Environmental
Preservation and Education Services
Acara/Ajang Acara/Ajang for the Community
Event Event
4th Indonesia Public Relations Summit 2023 Penghargaan 77 Tahun Serikat Perusahaan Acara/Ajang
Pers (SPS) Event
Tanggal 77th Anniversary of the Press Union (SPS) Indonesia TJSL Awards 2023
Date Award
4 Agustus 2023 Tanggal
4 August 2023 Tanggal Date
Date 31 Agustus 2023
Diberikan Oleh 11 Agustus 2023 31 August 2023
Awarded By 11 August 2023
The Iconomics Diberikan Oleh
Diberikan Oleh Awarded By
Awarded By Warta Ekonomi
Serikat Perusahaan Pers
Press Union
4th Indonesia Top Insurance Companies Awards 2023
Acara/Ajang Diberikan Oleh
Event Awarded By
4th Indonesia Top Insurance Companies Awards The Iconomics
2023
Tanggal
Date
8 September 2023
4th Top Insurance Companies Awards – Performing in Asset 10-25 Trillion General
Insurance Company
Acara/Ajang Diberikan Oleh
Event Awarded By
4th Indonesia Top Insurance Company Awards The Iconomics
2023
Tanggal
Date
8 September 2023
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Top 50 Mid Capitalization Public Listed Company
Acara/Ajang
Event Diberikan Oleh
The 14th IICD Corporate Governance Awarded By
Conference and Award Indonesia Institute for Corporate Directorship
(IICD)
Tanggal
Date
18 September 2023
Best Financial Sector 2023 Best Sharia General Insurance 106 Perusahaan dan Instansi
Business Unit 2023 Berpengaruh di Bidang Komunikasi
Acara/Ajang 106 Influential Companies and Agencies in the
Event Field of Communications
Acara/Ajang
The 14th IICD Corporate Governance Event
Conference and Award 2023 Insurance Award Acara/Ajang
Event
Tanggal Tanggal Sewindu PR Indonesia Award
Date Date
18 September 2023 18 September 2023 Tanggal
Date
Diberikan Oleh Diberikan Oleh 21 September 2023
Awarded By Awarded By
Indonesia Institute for Corporate Directorship Media Asuransi Diberikan Oleh
(IICD) Awarded By
PR Indonesia
Best SOE 2023 with Top Financial Performance and Providing a Variety of
Innovative Product and Service Solutions
Acara/Ajang Diberikan Oleh
Event Awarded By
Indonesia Best BUMN Awards 2023 Warta Ekonomi
Tanggal
Date
27 September 2023
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2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Best Insurance 2023 with Top Excellence Financial Performance Best Brand Popularity in General
Financial Performance and Seizing Islamic Banking Unit Insurance Company
the Opportunity to Develop Product of General Insurance Company 2022
Diversification Acara/Ajang
Event
Acara/Ajang
Event 5th Anniversary Indonesia BUMN Awards 2023
Acara/Ajang
Event Infobank 12 Sharia Award 2023
th
Indonesia Best Insurance Awards 2023 Tanggal
Date
Tanggal
Date 12 Oktober 2023
Tanggal
Date 27 September 2023 12 October 2023
27 September 2023
Diberikan Oleh Diberikan Oleh
Awarded By Awarded By
Diberikan Oleh
Awarded By Infobank The Iconomics
Warta Ekonomi
The Best Performing General Best CFO 2nd Best General Insurance Company
Insurance Based on Financial In Financial Institution 2023 2023, Category General Insurance
Performance 2020-2022 Equity >IDR 1,5 Trillion
Acara/Ajang
Acara/Ajang Event Acara/Ajang
Event The Finance Best CEO 2023 Event
Top 20 Financial Institution 2023 APPARINDO Awards 2023
Tanggal
Tanggal Date Tanggal
Date 14 November 2023 Date
14 November 24 November 2023
Diberikan Oleh
Diberikan Oleh Awarded By Diberikan Oleh
Awarded By The Finance Awarded By
The Finance APPARINDO
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Best Social Contribution Reputation in The Inspiration from Successful The Inspiration from Successful
General Insurance > 10T Category Leaders in Crisis Leaders in Crisis
Acara/Ajang Acara/Ajang Acara/Ajang
Event Event Event
Best 50 Financial Awards Top 200 The Next Leader 2023 Top 200 The Next Leader 2023
Tanggal Tanggal Tanggal
Date Date Date
27 November 2023 5 Desember 2023 5 Desember 2023
5 December 2023 5 December 2023
Diberikan Oleh Diberikan Oleh Diberikan Oleh
Awarded By Awarded By Awarded By
The Iconomics Infobank Infobank
TOP 100 CEO 2023
Acara/Ajang Diberikan Oleh
Event Awarded By
Infobank Top 100 CEO & the Next 200 Leaders Infobank
Tanggal
Date
5 Desember 2023
5 December 2023
Indonesia CEO Excellence 2023 with Popularity in Maintaining Sustainable
Performance Through Prudent Risk Management and Digitalization
Acara/Ajang Diberikan Oleh
Event Awarded By
Indonesia CEO Excellence Award Warta Ekonomi
Tanggal
Date
14 Desember 2023
14 December 2023
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Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Best Chief Marketing Officer 2023 in Winner of 3rd Anniversary Indonesia Winner of 3rd Anniversary Indonesia
Continuous Improvement Through Top 20 GCG Awards 2023 Best 20 Corporate Secretary Awards
Optimizing and Strengthening 2023
Multichannel Distribution Acara/Ajang
Event
Acara/Ajang
Acara/Ajang Winner of 3rd Anniversary Indonesia Top 20 Event
Event GCG Awards 2023 3rd Anniversary Indonesia Best 20 Corporate
Indonesia Best CMO Awards 2023 Secretary Awards 2023
Tanggal
Date
Tanggal Tanggal
Date 15 Desember 2023 Date
14 Desember 2023 15 December 2023 15 Desember 2023
14 December 2023 Diberikan Oleh 15 December 2023
Awarded By
Diberikan Oleh The Economics Diberikan Oleh
Awarded By Awarded By
Warta Ekonomi The Economics
Digital Financial Excellence Awards 2023 (Asuransi Konvensional-Ekuitas Rp1
Triliun ke Atas
Digital Financial Excellence Awards 2023(Conventional Insurance-Equity of IDR1 Trillion and above)
Acara/Ajang Diberikan Oleh
Event Awarded By
Digital Financial Excellence Awards 2023 Media Asuransi
Tanggal
Date
19 Desember 2023
19 December 2023
Sertifikasi
Certifications
Anti Bribery Management System as per ISO 37001:2016
Jenis Sertifikasi Diberikan Oleh
Types of Certification Certified By
ISO 37001:2016 TUV Nord Indonesia
Masa Berlaku
Valid Until
24 Februari 2024
24 February 2024
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06
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Tata Kelola
Keberlanjutan
Sustainability Governance
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Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Tata Kelola Keberlanjutan
Sustainability Governance
Program pembangunan fasilitas air bersih bersama Mushallah Nurrurazaq di Desa Sukamanah, Kabupaten Sumedang, Jawa Barat
Clean water facility construction program with Mushallah Nurrurazaq in Sukamanah Village, Sumedang Regency, West Java
Tugu Insurance meyakini perlunya tata kelola keberlanjutan Sustainability governance is the basis for Tugu Insurance
sebagai landasan untuk mewujudkan terintegrasinya to realize the integration of economic, environmental and
pendekatan ekonomi, lingkungan dan sosial dalam social approaches in managing the insurance business.
pengelolaan bisnis perasuransian. Tata kelola keberlanjutan Sustainability governance guides the Company in making
memandu Perseroan dalam pengambilan keputusan yang decisions that consider 3 (three) aspects of sustainability,
mempertimbangkan 3 (tiga) aspek keberlanjutan, yaitu namely economic, environmental and social elements,
aspek ekonomi, lingkungan dan sosial sesuai prinsip according to the principles of Good Corporate Governance
Good Corporate Governance (GCG), yaitu transparansi, (GCG): transparency, accountability, responsibility,
akuntabilitas, pertanggungjawaban, kemandirian, kesetaraan independence, equality and fairness. In addition, the
dan kewajaran. Selain itu, Perseroan tetap menjaga Company continues to maintain compliance with laws
kepatuhan pada peraturan perundangan-undangan dan and regulations, generally accepted provisions, and
ketentuan yang berlaku umum serta etika bisnis. business ethics.
Penerapan tata kelola keberlanjutan telah mendorong The implementation of sustainable governance encourages
Tugu Insurance untuk mengelola usaha secara sehat dan the realization of sound and transparent business
transparan, serta menciptakan kepercayaan para pemangku management and creates the trust of stakeholders. The
kepentingan. Penerapan prinsip dan praktik GCG juga application of GCG principles and practices also refers
mengacu pada berbagai ketentuan perundang-undangan to various statutory provisions, including SOE Ministerial
termasuk Peraturan Menteri BUMN dan Peraturan Otoritas Regulations and Financial Services Authority Regulations
Jasa Keuangan (POJK) serta Pedoman Umum Governansi (POJK) and General Guidelines for Indonesian Corporate
Korporasi Indonesia (PUGKI) yang dikeluarkan oleh Komite Governance (PUGKI) by the National Committee on
Nasional Kebijakan Governansi (KNKG). Disamping itu, Governance Policy (KNKG). Besides that, as an insurance
sebagai perusahaan asuransi yang memiliki Unit Usaha company that has a Sharia Business Unit (UUS) that
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Syariah (UUS) yang beroperasi dengan prinsip syariah, Tugu operates under sharia principles, Tugu Insurance ensures Insurance memastikan agar dalam menjalankan bisnis application of both Code of Corporate Governance and sharia syariah tetap berpegang kepada Pedoman Tata Kelola principles in running sharia business according to the Code Perusahaan (Code of Corporate Governance) dan prinsip of Corporate Governance and provisions of the National syariah sesuai ketentuan baik dari Dewan Syariah Nasional Sharia Supervisory Board MUI and regulators. MUI maupun regulator. Sebagai bentuk komitmen terhadap GCG, Tugu Insurance Tugu Insurance’s commitment to GCG within the Company memastikan terpenuhinya kepatuhan terhadap setiap is realized by upholding compliance with all applicable undang-undang dan peraturan yang berlaku. Perseroan terus laws and regulations. The Company continues to update melakukan pemutakhiran berbagai pedoman dan prosedur various operating guidelines and procedures per laws and operasi yang berlaku sesuai dengan peraturan perundangan, regulations, which are followed by targeted dissemination yang kemudian diikuti oleh sosialisasi dan penerapan and implementation. In every plan and decision made, the yang terarah. Dalam setiap perencanaan dan keputusan Company strives to integrate sustainability principles and yang diambil, Perseroan juga berupaya untuk senantiasa practices, paying attention to three crucial aspects: people, mengintegrasikan prinsip dan praktik keberlanjutan, planet and profit. memperhatikan tiga aspek penting, yaitu people, planet, dan profit. 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] Organ utama tata Kelola Tugu Insurance berdasarkan The main organ of Tugu Insurance governance based on Law Undang-Undang No. 40 Tahun 2007 tentang Perseroan No. 40 of 2007 concerning Limited Liability Companies and Terbatas dan Anggaran Dasar, terdiri dari tiga bagian: Articles of Association, consists of three parts: 1. Rapat Umum Pemegang Saham 1. The General Meeting of Shareholders Rapat Umum Pemegang Saham (RUPS) merupakan Hereinafter referred to as the GMS, is a Company Organ pemegang kekuasaan tertinggi di dalam Perseroan that has authority that is not granted to the Board of Terbatas dan pemegang segala kewenangan yang tidak Directors or the Board of Commissioners within the limits diserahkan kepada Dewan Komisaris dan Direksi dalam specified in this law and/or the articles of association. batas yang telah ditentukan oleh Undang-Undang dan/ atau Anggaran Dasar. Rapat Umum Pemegang Saham (RUPS) memegang peran The General Meeting of Shareholders (GMS) plays penting sebagai wadah bagi pemegang saham dalam an important role as a forum for shareholders in memutuskan arah tujuan Perseroan serta mengangkat deciding the direction of the Company’s objectives and dan/atau memberhentikan anggota Dewan Komisaris appointing and/or dismissing members of the Board dan Direksi. Di samping itu, RUPS juga menentukan of Commissioners and Board of Directors. Moreover, hal-hal penting terkait dengan Perseroan yang perlu the GMS also determines important matters related to mendapatkan persetujuan dari RUPS sesuai peraturan the Company that need to be approved by the GMS in perundang-undangan yang berlaku dan/atau Anggaran accordance with the applicable laws and regulations and/ Dasar. Sesuai dengan Undang-Undang No. 40 Tahun or the Articles of Association. In accordance with Law No. 2007 tentang Perseroan Terbatas, penyelenggaraan RUPS 40 of 2007 concerning Limited Liability Companies, the terdiri dari RUPS Tahunan (RUPST) yang diadakan satu implementation of the GMS consists of the Annual GMS kali dalam satu tahun, dan RUPS Luar Biasa (RUPSLB) (AGMS) which is held once a year, and the Extraordinary yang dapat diadakan sewaktu-waktu atas permintaan GMS (EGMS) which can be held at any time at the request salah satu Organ Perseroan. of one of the Company Organs. PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 79
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Dalam tahun 2023, Tugu Insurance mengadakan RUPST In 2023, Tugu Insurance held an AGM on 28 April
pada tanggal 28 April 2023. Perseroan menyelenggarakan 2023. The Company held the GMS in accordance with
RUPS sesuai dengan Peraturan OJK No. 15/ OJK Regulation No. 15/POJK.04/2020 concerning
POJK.04/2020 tentang Rencana dan Penyelenggaraan Planning and Implementation of the General Meeting of
Rapat Umum Pemegang Saham Perusahaan Terbuka Shareholders of Public Companies ("POJK 15/2020"),
(“POJK 15/2020”), Anggaran Dasar, dan peraturan Articles of Association, and applicable laws and
perundang-undangan yang berlaku. regulations.
2. Dewan Komisaris 2. The Board of Commissioners
Dewan Komisaris adalah Organ Perseroan yang bertugas The Board of Commissioners is an Organ of the Company
untuk melakukan pengawasan dan memberi nasihat whose duty is to carry out general and/or special
kepada Direksi atas implementasi rencana kerja, strategi supervision in accordance with the articles of association
bisnis, serta penerapan peraturan dan undang-undang and provide advice to the Board of Directors on the
yang berlaku sesuai Anggaran Dasar. implementation of work plans, business strategies, as
well as the implementation of applicable regulations and
laws in accordance with the Articles of Association.
Dalam melaksanakan tugasnya, Dewan Komisaris dibantu In carrying out its duties, the Board of Commissioners is
oleh berbagai organ pendukung dan komite, seperti: assisted by various supporting organs and committees,
such as:
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. Sekretaris Dewan Komisaris. d. Secretary of the Board of Commissioners.
3. Dewan Pengawas Syariah 3. Sharia Supervisory Board
Dewan Pengawas Syariah adalah bagian dari organ Sharia Supervisory Board is part of the Company’s
Perseroan yang mempunyai tugas dan fungsi pengawasan Organ that has duty and supervisory functions over the
terhadap penyelenggaraan usaha Perseroan agar sesuai business activities management of the Company by the
dengan prinsip syariah. Sharia Principles.
4. Direksi 4. The Board of Directors
Direksi adalah Organ Perseroan yang berwenang dan The Board of Directors is an Organ of the Company that
bertanggung jawab penuh atas pengurusan Perseroan is fully authorized and responsible for managing the
untuk kepentingan Perseroan, sesuai dengan maksud dan Company for the benefit of the Company, in accordance
tujuan Perseroan serta mewakili Perseroan, baik di dalam with the aims and objectives of the Company and
maupun di luar pengadilan sesuai dengan ketentuan represents the Company, both inside and outside the
anggaran dasar. court in accordance with the provisions of the articles
of association.
Sementara itu, struktur tata kelola Tugu Insurance dapat Meanwhile, the governance structure of Tugu Insurance
disajikan sebagai berikut: [GRI 2-9] can be presented as follows: [GRI 2-9]
80
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Struktur Tata Kelola Tugu Insurance
Governance Structure of Tugu Insurance
RUPS
GMS
Dewan Komisaris Direksi
Board of Commissioners Board of Directors
Komite Pemantau
Komite Audit Sekretaris Perusahaan Audit Internal
Risiko
Audit Commitee Corporate Secretary Internal Audit
Risk Monitoring Committee
Komite Nominasi
Kepatuhan Manajemen Risiko
dan Remunerasi
Compliance Risk Management
Nomination and
Remuneration Committee
Fungsi/unit lain
Komite-Komite sebagaimana struktur
Committees organisasi
Sekretaris Dewan
Komisaris Other Functions/Units
Secretary of the Board of Komite Investasi as in the Organization
Commissioners Investment Committee Structure
Komite Manajemen Risiko
Risk Management Committee
Komite Pengarah Teknologi
Informasi
Information Technology
Steering Committee
Setiap bagian dari struktur tata kelola telah melaksanakan Every part of the governance structure at Tugu Insurance
fungsinya sesuai dengan hukum dan peraturan perundang- carries out its functions in accordance with applicable
undangan yang berlaku. Organ tata kelola tersebut memiliki laws and regulations. The governance organs have clear
wewenang dan tanggung jawab yang jelas sesuai fungsinya authorities and responsibilities according to their respective
masing-masing sebagaimana diatur dalam anggaran dasar tasks as stipulated in the articles of association and laws
dan peraturan perundang-undangan. Namun demikian, and regulations. However, they are all responsible for
keduanya mempunyai tanggung jawab untuk memelihara maintaining the Company’s business continuity in the long
kesinambungan usaha Perseroan dalam jangka panjang. term. Therefore, these governance organs must have the
Oleh karena itu, organ tata kelola tersebut harus same views on the Company’s vision, mission, and values.
memiliki kesamaan pandangan terhadap visi, misi dan
nilai-nilai Perseroan.
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 81
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
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’ duties are to undertake
secara umum dan/atau khusus sesuai dengan Anggaran general and/or specific supervision in compliance with the
Dasar serta memberikan nasihat kepada Direksi. Dalam Articles of Association and to provide advice to the Board
pelaksanaan tugasnya, Dewan Komisaris mempertimbangkan of Directors. In carrying out these duties, the Board of
aspek-aspek keberlanjutan, yaitu bidang ekonomi, sosial Commissioners considers various sustainability aspects
dan lingkungan. Dewan Komisaris bertanggung jawab secara in the economic, social, and environmental fields. The
kolektif untuk melakukan pengawasan dan memberikan Board of Commissioners is collectively responsible for
nasihat kepada Direksi serta memastikan bahwa Perseroan supervising and advising the Board of Directors and ensuring
melaksanakan GCG pada seluruh tingkatan atau jenjang that the Company implements GCG at all levels of the
organisasi. Kedudukan masing-masing anggota Dewan organisation. The position of each member of the Board
Komisaris termasuk Komisaris Utama adalah setara. of Commissioners, including the President Commissioner,
is equal.
Dalam periode pelaporan ini, jumlah anggota Dewan During this reporting period, the Board of Commissioners as
Komisaris per 31 Desember 2023 adalah sejumlah 5 (lima) of 31 December 2023 was composed of 5 (five) members
orang sebagai berikut: as follows:
Nama Jabatan Dasar Pengangkatan
Name Position Basis of Appointment
Dian Masyita Presiden Komisaris dan Komisaris Akta No. 118 tanggal 19 Oktober 2022, Notaris Jose Dima Satria, S.H.,
Independen M.Kn.
President Commissioner and Deed Number 118 dated 19 October 2022, Notary Jose Dima Satria, S.H.,
Independent Commissioner M.Kn.
Poerwo Tjahjono Komisaris Independen Akta No. 124 tanggal 28 April 2023, Notaris Jose Dima Satria, S.H., M.Kn.
Independent Commissioner Deed Number 124 dated 28 April 2023, Notary Jose Dima Satria, S.H.,
M.Kn.
Bagus Agung Rahadiansyah Komisaris Akta No. 118 tanggal 25 Juli 2023, Notaris Jose Dima Satria, S.H., M.Kn.
Commissioner Deed Number 118 dated 25 July 2023, Notary Jose Dima Satria, S.H., M.Kn.
Samuel Lie Komisaris Akta No. 49 tanggal 11 Januari 2024, Notaris Jose Dima Satria, S.H, M.Kn.
(Samuel Ramna) Commissioner Deed Number 49 dated 11 January 2024, Notary Jose Dima Satria, S.H.,
M.Kn.
Tajudin Noor* Komisaris Independen Akta No. 1 tanggal 1 Februari 2024, Notaris Jose Dima Satria, S.H, M.Kn.
Independent Commissioner Deed Number 1 dated 1 February 2024, Notary Jose Dima Satria, S.H.,
M.Kn.
*) Telah lulus hasil penilaian kemampuan dan kepatutan berdasarkan Surat Keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan
No. KEP-6/D.05/2024 tanggal 18 Januari 2024.
*) Has passed the fit and proper test based on the Decree of the Members of the Board of Commissioners of the Financial Services Authority
No. KEP-6/D.05/2024 dated 18 January 2024.
Tugas dan Wewenang Dewan Komisaris [GRI 2-12, Duties and Authorities of Board of Commissioners
2-14] [GRI 2-12, 2-14]
Dewan Komisaris bertanggung jawab untuk melakukan The primary duty of the Board of Commissioners is to
pengawasan dan pemberian nasihat terhadap pengurusan supervise and provide advice to the management of
Perseroan yang dilakukan oleh Direksi serta memberikan the Company carried out by the Board of Directors and
nasihat kepada Direksi termasuk pelaksanaan Rencana provide advice to the Board of Directors, including the
Jangka Panjang Perusahaan, Rencana Kerja dan Anggaran implementation of the Company’s LongTerm Plan, Work
Perusahaan, serta ketentuan-ketentuan Anggaran Dasar dan Plan and the Company Budget, as well as the provisions of
Keputusan Rapat Umum Pemegang Saham dan peraturan the Articles of Association, Resolutions of General Meeting
perundang-undangan yang berlaku. Disamping itu, Dewan Shareholders, and applicable laws. In addition, the Board
Komisaris juga bertanggung jawab atas pengawasan of Commissioners is also responsible for supervising the
terhadap kebijakan penyusunan dan penerapan GCG policies on the arrangement and implementation of GCG in
di Perseroan. the Company.
82 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Berdasarkan Anggaran Dasar Perseroan, Dewan Komisaris Based on the Company’s Articles of Association, the
dapat melaksanakan tugas dan tanggung jawabnya, para Board of Commissioners may carry out their duties and
anggota Dewan Komisaris, baik bersama-sama maupun responsibilities jointly and individually at any time, and are
sendiri-sendiri setiap waktu berwenang dan bertanggung authorized and responsible for the following:
jawab untuk:
1. Melihat buku-buku, surat-surat, serta dokumen- 1. Overlook the books, letters, and other documents, cash
dokumen lainnya, memeriksa kas untuk keperluan for verification purposes, and other securities, as well as
verifikasi, dan surat berharga lain-lain dan memeriksa the Company’s assets;
kekayaan Perseroan;
2. Memasuki pekarangan, gedung, dan kantor yang 2. Enter the premises, buildings, and offices used by
dipergunakan oleh Perseroan; the Company;
3. Mengetahui segala kebijakan dan tindakan yang telah 3. Understand all policies and actions that have been and
dan akan dijalankan oleh Direksi; will be carried out by the Directors;
4. Memberikan arahan terhadap Direksi atas implementasi 4. Provide directions to the Board of Directors on the
rencana dan kebijakan Perseroan; implementation of the Company’s plans and policies;
5. Meminta Direksi dan/atau pejabat lainnya di bawah 5. Request the Directors and/or other officials under
Direksi dengan sepengetahuan Direksi untuk menghadiri the Board of Directors with the approval of the Board
rapat Dewan Komisaris; of Directors to attend the Board of Commissioners’
meeting;
6. Meneliti, menelaah, serta menandatangani Rencana 6. Research, analyze, and sign the Company’s Long-Term
Jangka Panjang Perseroan (RJPP) dan Rencana Kerja Plan and Work Plan and Budget prepared by the Board
dan Anggaran Perseroan (RKAP) yang disiapkan Direksi, of Directors, following the provisions of the Company’s
sesuai dengan ketentuan Anggaran Dasar Perseroan; Articles of Association;
7. Memberikan nasihat kepada Direksi dalam 7. Provide advice to the Board of Directors in carrying out
melaksanakan pengurusan Perseroan; the management of the Company;
8. Mengangkat dan memberhentikan Sekretaris 8. Appoint and dismiss the Secretary of the Board
Dewan Komisaris; of Commissioners;
9. Memberhentikan sementara anggota Direksi sesuai 9. Temporarily dismiss members of the Board of Directors in
dengan ketentuan Anggaran Dasar Perseroan; accordance with the provisions of the Company’s Articles
of Association;
10. Menggunakan tenaga ahli untuk hal tertentu dan dalam 10. Work with the experts for certain matters and within
jangka waktu tertentu atas beban Perseroan, jika a certain period at the expense of the Company, if
dianggap perlu; deemed necessary;
11. Melakukan tindakan pengurusan Perseroan dalam 11. Perform management of the Company in certain
keadaan tertentu untuk jangka waktu tertentu sesuai circumstances for a certain period in accordance with
dengan ketentuan Anggaran Dasar dan peraturan the provisions of the Articles of Association and laws
perundang-undangan; and regulations;
12. Menghadiri Rapat Direksi dan memberikan pandangan- 12. Attend the Board of Directors’ Meetings and provide
pandangan terhadap hal-hal yang dibicarakan; insights on matters discussed;
13. Melaksanakan kewenangan pengawasan lainnya 13. Deliver other supervision authorities as far as those
sepanjang tidak bertentangan dengan peraturan are not against the laws and regulations, the Articles
perundang-undangan, Anggaran Dasar, dan/atau of Association, and/or the resolutions of the General
keputusan Rapat Umum Pemegang Saham; Meeting of Shareholders;
14. Mengikuti perkembangan kegiatan Perseroan, 14. Follow the development of the Company’s activities,
memberikan pendapat dan saran kepada Rapat Umum providing opinions and suggestions to the General
Pemegang Saham; Meeting of Shareholders;
15. Melaporkan dengan segera kepada Rapat Umum 15. Report immediately to the General Meeting of
Pemegang Saham apabila terjadi gejala menurunnya Shareholders if there is a sign of a decline in the
kinerja Perseroan atau kejadian penting lain yang perlu Company’s performance or other important events
diketahui oleh Rapat Umum Pemegang Saham; that need to be known by the General Meeting
of Shareholders;
16. Meneliti dan menelaah laporan berkala dan laporan 16. Research and analyze the periodic and annual reports
tahunan yang disiapkan Direksi serta menandatangani prepared by the Board of Directors and sign the
Laporan Tahunan; Annual Report;
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 83
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
17. Memberikan penjelasan, pendapat dan saran kepada 17. Provide explanations, opinions and suggestions to the
Rapat Umum Pemegang Saham mengenai Laporan General Meeting of Shareholders regarding the Annual
Tahunan, apabila diminta; Report, if requested;
18. Menyusun program kerja tahunan dan dimasukkan 18. Arrange annual work programs and be included in RKAP;
dalam RKAP;
19. Mengusulkan Akuntan Publik untuk melakukan audit 19. Propose a Public Accountant to audit the annual financial
laporan keuangan tahunan kepada Rapat Umum statement at the General Meeting of Shareholders;
Pemegang Saham;
20. Melaksanakan wewenang lainnya dalam rangka tugas 20. Deliver other authorities for supervision and advisory
pengawasan dan pemberian nasihat, sepanjang tidak duties, as long as those do not conflict with the laws and
bertentangan dengan peraturan perundang-undangan, regulations, Articles of Association, and/or Resolution of
Anggaran Dasar, dan/atau Keputusan Rapat Umum the General Meeting of Shareholders.
Pemegang Saham.
Dalam menjalankan tugas dan tanggung jawabnya, Dewan In carrying out its duties and responsibilities, the Board
Komisaris membentuk Komite-Komite beserta tugas dan of Commissioners is assisted by Committees with their
tanggung jawabnya yaitu: responsibilities and duties:
Organ Dewan Komisaris
Organ/Committee under Board of Commissioners
Organ/Komite
di Bawah Dewan
Tugas dan Tanggung Jawab
No Komisaris
Duties and Responsibilities
Organ/Committee under
Board of Commissioners
1 Komite Audit Komite Audit telah melakukan telaah atas Laporan Keuangan Perseroan dan Entitas Anak, melakukan
Audit Committee pemantauan kinerja keuangan, mengevaluasi 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 2023, Komite Audit mengadakan 36 (tiga
puluh enam) kali rapat termasuk rapat koordinasi dengan Komite Komisaris lainnya, dan rapat dengan
manajemen, serta mengikuti pelatihan dan seminar dalam rangka mengembangkan kompetensinya.
The Audit Committee has reviewed the Company’s and Subsidiaries’ Financial Reports, monitored financial
performance, evaluated audit planning and implementation, as well as monitored the follow-up to audit
results, and recommended the appointment of a Public Accounting Firm to conduct an audit of the
Company’s and Subsidiaries’ Financial Reports; review the adequacy of management’s efforts in designing
and implementing an effective internal control system; coordinate with internal auditors in carrying out their
duties; monitor management effectiveness in assessing and managing risks as well as compliance with
statutory regulations; monitor the effectiveness of complaint mechanisms from employees or third parties
carried out by management; and maintain the confidentiality of Company documents, data and information.
In carrying out its duties and responsibilities in 2023, the Audit Committee held 36 (thirty six) meetings
including coordination meetings with other Commissioner’s Committees, and meetings with management,
as well as attending training and seminars in order to develop its competence.
84 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Organ Dewan Komisaris
Organ/Committee under Board of Commissioners
Organ/Komite
di Bawah Dewan
Tugas dan Tanggung Jawab
No Komisaris
Duties and Responsibilities
Organ/Committee under
Board of Commissioners
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 2023, Komite Pemantau Risiko mengadakan
13 (tiga belas) 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 Commissioners in supervising the
implementation of risk management so that it is in accordance with the Company's policies, including by
supervising that the risk management policies prepared by the Directors, including the tolerances adopted,
are adequate and in accordance with the Company's needs; supervise risk management in the Company,
especially the efforts and strategies carried out by the Board of Directors; supervise that risk reporting is
submitted to the Board of Commissioners in accordance with the provisions and needs of the Board of
Commissioners; ensure compliance with GCG principles and Code of Conduct; reviewing the performance of
directorates; and foster professional relationships with other Committees and Management.
In carrying out its duties and responsibilities in 2023, the Risk Monitoring Committee held 13 (thirteen)
meetings including coordination meetings with other Commissioners Committees, and meetings with
management. The Risk Monitoring Committee development program is implemented in line with the
Company's strategic program, through seminars, workshops and training.
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 pejabat
Nomination and Remuneration hingga dua tingkat di bawah Group Head antara lain melalui pemberian rekomendasi kepada Dewan
Committee 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,
membantu Dewan Komisaris melakukan penilaian kinerja berdasarkan tolak ukur yang telah ditetapkan
dan kesesuaian remunerasi yang diterima, memberikan rekomendasi terkait program pengembangan
kompetensi anggota Dewan Komisaris dan Direksi. Komite Nominasi dan Remunerasi memberikan
pertimbangan terkait struktur, kebijakan dan besaran Remunerasi.
Dalam melaksanakan tugas dan tanggung jawabnya pada 2023, Komite Nominasi dan Remunerasi
mengadakan 16 (enam belas) 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.
The Nomination and Remuneration Committee has assisted the Board of Commissioners to carry out its
functions and duties regarding the Nomination and Remuneration of members of the Board of Directors
and Board of Commissioners as well as the nomination of Group Head level including by providing
recommendations to the Board of Commissioners regarding the composition of members 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 Directors, assist the
Board of Commissioners in conducting performance assessments based on predetermined benchmarks
and suitability of remuneration received, provide recommendations regarding competency development
programs for members of the Board of Commissioners and Directors. The Nomination and Remuneration
Committee provides considerations related to structure, policies and amount of Remuneration.
In carrying out its duties and responsibilities in 2023, the Nomination and Remuneration Committee held
16 (sixteen) meetings. In addition, additional tasks given to Committee members have also been carried
out in accordance with the guidance and results of internal meetings and with other related parties in order
to achieve the Company’s strategic program.
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Organ Dewan Komisaris
Organ/Committee under Board of Commissioners
Organ/Komite
di Bawah Dewan
Tugas dan Tanggung Jawab
No Komisaris
Duties and Responsibilities
Organ/Committee under
Board of Commissioners
4 Sekretaris Dewan Komisaris Sekretaris Dewan Komisaris telah membantu Dewan Komisaris sebagai koordinator dalam seluruh kegiatan
Secretary of the Board of administrasi yang dilaksanakan di Sekretariat Dewan Komisaris; koordinator kegiatan Dewan Komisaris
Commissioners di Perseroan, seperti rapat, pertemuan dan lain-lain; bersama Komite Dewan Komisaris, 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 the coordinator
in all administrative activities conducted at the Secretariat of the Board of Commissioners; as a coordinator
of the activities of the Board of Commissioners at the Company, such as meetings, gatherings and
others; create the Board of Commissioners’ Activities and Budget Plan (RKA) annually in collaboration
with the Commissioners’ Committees; analyze the Company’s RKAP, the Company’s Business Plan and
recommendations to the Board of Commissioners in collaboration with the Commissioners’ Committees;
make minutes summaries of each meeting between the Board of Commissioners and the Board of Directors
of Tugu Insurance; as well as other tasks related to the Board of Commissioners’ secretariat.
Dewan Pengawas Syariah [GRI 2-11] Sharia Supervisory Board [GRI 2-11]
Tugu Insurance telah memiliki Dewan Pengawas Syariah Based on POJK provisions Number 73/POJK.05/2016
(DPS) mengacu pada ketentuan POJK No. 73/POJK.05/2016 (“POJK 73/2016”) concerning Good Corporate Governance
(“POJK 73/2016”) tentang Tata Kelola Perusahaan yang for Insurance Companies, article 35 (1), Tugu Insurance
Baik bagi Perusahaan Perasuransian, pasal 35 (1). DPS already has a Sharia Supervisory Board (“SSB”). The Sharia
merupakan bagian dari organ perusahaan yang mempunyai Supervisory Board is part of a company organ that has the
tugas dan fungsi pengawasan terhadap penyelenggaraan task and function of supervising the implementation of the
kegiatan usaha Perusahaan agar sesuai dengan Prinsip Company’s business activities so that they are in accordance
Syariah, yaitu prinsip hukum Islam dalam kegiatan with Sharia Principles, namely Islamic legal principles in
perasuransian berdasarkan fatwa yang dikeluarkan oleh insurance activities based on fatwas issued by institutions
lembaga yang memiliki kewenangan dalam penetapan fatwa that have the authority to issue fatwas in the field of sharia
di bidang syariah sebagaimana dimaksud dalam Undang- as referred to in the Law Number 40 of 2014 concerning
Undang No. 40 Tahun 2014 tentang Perasuransian. Insurance.
Susunan anggota DPS Tugu Insurance pada 31 Desember As of December 31, 2023, the composition of the Company’s
2023, terdiri dari 2 (dua) orang anggota dimana 1 (satu) SSB consists of 2 (two) members of which 1 (one) person
orang diantaranya menjabat sebagai Ketua, sebagai berikut: serves as Chairman, as presented in the following table:
Komposisi DPS
SSB Composition
Nama Jabatan Dasar Pengangkatan
Name Position Basis of Appointment
Dr. H. Muhammad Maksum SH, MA, Ketua DPS Akta No. 124 tanggal 28 April 2023, Notaris Jose Dima Satria, S.H, M.Kn.
MDC SSB Chair Deed Number 124 dated 28 April 2023, Notary Jose Dima Satria, S.H., M.Kn.
dr. Siti Hannah, M.K.M* Anggota DPS Akta No. 1 tanggal 1 Februari 2024, Notaris Jose Dima Satria, S.H, M.Kn.
SSB Member Deed Number 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 the OJK Fit and Proper Assessment Results were determined and joined Tugu Insurance from 17 January 2024.
Tugas DPS [GRI 2-12, 2-14] SSB Duties [GRI 2-12, 2-14]
DPS memiliki tugas pokok melaksanakan pengawasan SSB has the main task of carrying out supervision and
dan pemberian nasihat dan saran kepada Direksi agar providing advice and suggestions to the Board of Directors
kegiatan usaha Perseroan sesuai dengan Prinsip Syariah. so that the Company’s business activities are in accordance
with Sharia Principles.
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Pelaksanaan tugas pengawasan dan pemberian nasihat dan The implementation of supervisory duties and the provision
saran tersebut dilakukan terhadap: of advice and suggestions are carried out on:
1. Kegiatan dalam pengelolaan kekayaan dan kewajiban baik 1. Activities in the management of assets and liabilities,
dana tabarru’, dana tanahud, dana perusahaan, maupun both tabbaru ‘funds, tanahud funds, company funds, and
dana investasi peserta; participant investment funds;
2. Produk asuransi syariah yang dipasarkan; dan 2. Sharia insurance products being marketed; and
3. Praktik pemasaran produk asuransi syariah. 3. Sharia insurance product marketing practices.
Direksi [GRI 2-11] Board Of Directors [GRI 2-11]
Direksi Perseroan dipimpin oleh seorang Presiden Direktur The Company's Board of Directors is led by a President
yang bertanggung jawab untuk mengkoordinasikan kegiatan Director who is responsible for coordinating the activities
Direksi. Tugas Presiden Direktur adalah mengkoordinasikan of the Board of Directors.The President Director’s task is
kegiatan Direksi. Direksi berwenang dan bertanggung to coordinate the activities of the Board of Directors. The
jawab penuh atas pengurusan Perseroan dan mewakili Board of Directors is authorized and entirely responsible for
Tugu Insurance baik di dalam maupun di luar pengadilan managing the Company and representing Tugu Insurance
sesuai dengan ketentuan Anggaran Dasar. Direksi bertugas inside and outside the court per the provisions of the
dan bertanggung jawab secara kolegial, sekalipun dapat Articles of Association. The Board of Directors has collegial
bertindak dan mengambil keputusan sesuai pembagian duties and responsibilities. However, they can act and make
tugas dan wewenangnya, termasuk dalam aspek ekonomi, decisions according to the division of tasks and authority,
lingkungan dan sosial. Direksi tidak diperkenankan untuk including economic, environmental and social aspects.
merangkap jabatan, dan seluruh anggota Direksi telah Directors are not permitted to hold concurrent positions, and
melalui uji kepatutan dan kelayakan yang diadakan oleh all members of the Board of Directors have gone through
Otoritas Jasa Keuangan. a fit and proper test conducted by the Financial Services
Authority
Pada tahun 2023, komposisi Direksi Tugu Insurance sesuai In 2023, pursuant to the AGMS resolutions, the Board of
keputusan RUPST adalah 5 (lima) orang sebagai berikut: Directors consisted of 5 (five) people as follows:
Komposisi Direksi per 31 Desember 2023
Composition of the Board of Directors as of 31 December 2023
Nama Jabatan Dasar Pengangkatan
Name Position Basis of Appointment
Tatang Nurhidayat Presiden Direktur Akta No. 132 tanggal 24 Agustus 2022, dibuat dihadapan
President Director Notaris Jose Dima Satria, S.H, M.Kn. Notaris di Jakarta
Deed No. 132 dated 24 August 2022, passed before Notary
Jose Dima Satria, S.H, M.Kn. notary in Jakarta
Emil Hakim Direktur Keuangan & Layanan Akta No. 17 tanggal 10 September 2021, dibuat dihadapan
Korporat Notaris Jose Dima Satria, S.H, M.Kn.
Finance & Corporate Service Director Deed No. 17 dated 10 September 2021, passed before Notary
Jose Dima Satria, S.H, M.Kn. notary in Jakarta
Ery Widiatmoko Direktur Pemasaran Asuransi Akta No. 124 tanggal 28 April 2023, dibuat dihadapan Notaris
Insurance Marketing Director Jose Dima Satria, S.H, M.Kn. Notaris di Jakarta
Deed No. 17 dated 10 September 2021, passed before Notary
Jose Dima Satria, S.H, M.Kn. notary in Jakarta
Edi Yoga Prasetyo* Direktur Kepatuhan & Manajemen Akta No. 1 tanggal 1 Februari 2024, dibuat dihadapan Notaris
Risiko Jose Dima Satria, S.H, M.Kn. Notaris di Jakarta
Compliance & Risk Management Deed No. 1 dated 1 February 2024, passed before Notary Jose
Director Dima Satria, S.H, M.Kn. notary in Jakarta
Sudarlin Direktur Teknik Akta No. 55 tanggal 9 November 2023, dibuat dihadapan
Technical Director Notaris Jose Dima Satria, S.H, M.Kn. Notaris di Jakarta
Deed No. 55 dated 9 November 2023, passed before Notary
Jose Dima Satria, S.H, M.Kn. notary in Jakarta
*) Telah lulus hasil penilaian kemampuan dan kepatutan berdasarkan Surat Keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan
No. KEP-5/D.05/2024 tanggal 18 Januari 2024.
*) Has passed the fit and proper test based on the Decree of the Members of the Board of Commissioners of the Financial Services Authority
No. KEP-5/D.05/2024 dated 18 January 2024.
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 87
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Tugas dan Wewenang Direksi [GRI 2-12, 2-14] Duties and Authorities of Board of Directors
[GRI 2-12, 2-14]
Penjabaran mengenai ruang lingkup pekerjaan dan tanggung The Board of Directors has the scope of work and
jawab Direksi adalah sebagai berikut: responsibilities as follows:
1. Direksi bertugas menjalankan segala tindakan yang 1. The Board of Directors is assigned to perform all actions
berkaitan dengan pengurusan Perseroan untuk related to the management of the Company for the
kepentingan Perseroan dan sesuai dengan maksuddan benefit of the Company and in accordance with the aims
tujuan Perseroan serta mewakili Perseroan baik di and objectives of the Company as well as representing
dalam maupun di luar Pengadilan tentang segala hal the Company both inside and outside the Court of all
dan segala kejadian dengan pembatasan-pembatasan matters and all events with restrictions as regulated
sebagaimana diatur dalam peraturan perundang- in statutory regulations, Articles of Association and/or
undangan, Anggaran Dasar dan/atau Keputusan Rapat General Meeting of Shareholders’ Resolutions;
Umum Pemegang Saham;
2. Mengusahakan dan menjamin terlaksananya usaha dan 2. Conducting and assuring the implementation of the
kegiatan Perseroan sesuai dengan maksud dan tujuan Company’s business and activities in accordance with the
serta kegiatan usahanya; aims and objectives as well as its business activities;
3. Menyiapkan pada waktunya Rencana Jangka 3. Preparing the Company’s Long-Term Plan, Work Plan
Panjang Perseroan (RJPP), Rencana Kerja dan and Budget, along with the amendments, and submit
Anggaran Perseroan (RKAP), dan perubahannya serta it in timely manner to the Board of Commissioners
menyampaikannya kepada Dewan Komisaris untuk for approval;
mendapatkan persetujuan dari Dewan Komisaris;
4. Memberikan penjelasan kepada Dewan Komisaris 4. Providing an explanation to the Board of Commissioners
mengenai RJPP dan RKAP; regarding the Company’s Long Term Plan and the
Company’s Work Plan and Budget;
5. Membuat Laporan Tahunan sebagai wujud 5. Preparing Annual Report as a form of accountability
pertanggungjawaban pengurusan Perseroan, serta for the management of the Company, as well as the
dokumen keuangan Perseroan sebagaimana dimaksud Company’s financial documents as referred to in the Law
dalam Undang-undang tentang Dokumen Perusahaan; concerning Company Documents;
6. Menyusun Laporan Keuangan berdasarkan Standar 6. Preparing Financial Statements based on Financial
Akuntansi Keuangan dan menyerahkan kepada Akuntan Accounting Standards and submit to the Public
Publik untuk diaudit; Accountant to be audited;
7. Menyampaikan dan memberikan penjelasan Laporan 7. Submitting and providing an explanation of the Annual
Tahunan termasuk Laporan Keuangan kepada Rapat Report including the Financial Statements to the General
Umum Pemegang Saham untuk disetujui dan disahkan; Meeting of Shareholders for approval;
8. Menyampaikan Neraca, Laporan Laba Rugi dan 8. Submitting the Balance Sheet, Income Statement
perubahan Direksi dan Dewan Komisaris yang disahkan and changes in the Board of Directors and Board of
oleh Rapat Umum Pemegang Saham kepada Menteri Commissioners which are approved by the General
yang membidangi Hukum dan Hak Asasi Manusia sesuai Meeting of Shareholders to the Minister in charge of Law
dengan ketentuan peraturan perundang-undangan; and Human Rights in accordance with the provisions of
the legislation;
9. Memelihara dan menyimpan di tempat kedudukan 9. Maintaining and keeping the Company’s important
Perseroan: Daftar Pemegang Saham, Daftar Khusus, document of: Register of Shareholders, Special
Risalah Rapat Umum Pemegang Saham, Risalah Rapat Register, Minutes of General Meeting of Shareholders,
Dewan Komisaris dan Risalah Rapat Direksi, Laporan Minutes of Meeting of the Board of Commissioners
Tahunan dan dokumen keuangan Perseroan, dan and Minutes of Directors Meeting, Annual Report
dokumen Perseroan lainnya; and financial documents of the Company, and other
corporate documents;
10. Menyusun sistem akuntansi sesuai dengan Standar 10. Arranging the accounting system in accordance
Akuntansi Keuangan dan berdasarkan prinsip-prinsip with Financial Accounting Standards and based
pengendalian intern, terutama pemisahan fungsi on the principles of internal control, especially the
pengurusan, pencatatan, penyimpanan dan pengawasan; separation of management, recording, storage and
supervision functions;
11. Memberikan laporan berkala menurut cara dan waktu 11. Providing periodic reports according to the manner
sesuai dengan ketentuan yang berlaku, serta laporan and time in accordance with applicable regulations, as
lainnya setiap kali diminta oleh Dewan Komisaris; well as other reports whenever requested by the Board
of Commissioners;
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12. Menyiapkan susunan organisasi Perseroan lengkap 12. Preparing the Company’s organizational structure
dengan perincian dan tugasnya; complete with details and duties;
13. Memberikan penjelasan tentang segala hal yang 13. Providing an explanation of every inquiry or requested by
ditanyakan atau yang diminta anggota Dewan Komisaris; members of the Board of Commissioners;
14. Menyusun dan menetapkan struktur organisasi Perseroan; 14. Compiling and determining the organizational structure of
the Company;
15. Menjalankan kewajiban-kewajiban lainnya sesuai dengan 15. Carrying out other obligations in accordance with the
ketentuan yang diatur dalam Anggaran Dasar dan provisions stipulated in the Articles of Association and
yang ditetapkan oleh Rapat Umum Pemegang Saham determined by the General Meeting of Shareholders
berdasarkan peraturan perundang-undangan; based on statutory regulations;
16. Dalam menjalankan tugas dan tanggung jawab atas 16. In conducting their duties and responsibilities for the
pengurusan, Direksi wajib menyelenggarakan RUPS management, the Board of Directors must hold an annual
Tahunan dan RUPS Lainnya sebagaimana diatur dalam GMS and other GMS as stipulated in the legislation and
peraturan perundang-undangan dan anggaran dasar; articles of association.
17. Direksi wajib membentuk komite, dengan memperhatikan 17. The Board of Directors must form a committee, by taking
peraturan perundangan yang berlaku; into account the applicable laws and regulations.
18. Dalam hal dibentuk komite, Direksi wajib melakukan 18. If a committee is established, the Board of Directors
evaluasi terhadap kinerja komite setiap akhir tahun buku; shall evaluate the performance of the committee at the
end of the financial year.
19. Direksi bersama dengan Dewan Komisaris 19. The Board of Directors together with the Board of
wajib menyusun: Commissioners must prepare:
a. Pedoman yang mengikat setiap anggota Direksi dan a. Guidelines that bind every member of the Board
Dewan Komisaris, sesuai dengan ketentuan peraturan of Directors and the Board of Commissioners, in
perundangan yang berlaku; accordance with the provisions of the applicable laws
and regulations.
b. Kode etik yang berlaku bagi seluruh anggota Direksi b. Code of conduct that applies to all members of the
dan anggota Dewan Komisaris, karyawan/pegawai, Board of Directors and members of the Board of
serta pendukung organ yang dimiliki Perseroan, Commissioners, employees, and supporting organs
sesuai dengan ketentuan peraturan perundangan owned by the Company, in accordance with the
yang berlaku. provisions of the applicable laws and regulations.
20. Setiap anggota Direksi bertanggung jawab penuh 20. Each member of the Board of Directors is fully and jointly
secara tanggung renteng atas kerugian Perseroan yang responsible for the Company’s losses caused by errors or
disebabkan oleh kesalahan atau kelalaian anggota negligence of the members of the Board of Directors in
Direksi dalam menjalankan tugasnya; carrying out their duties.
21. Anggota Direksi tidak dapat dipertanggungjawabkan atas 21. Members of the Board of Directors cannot be held
kerugian Perseroan, apabila dapat membuktikan: responsible for the Company’s losses, if they can prove:
a. Kerugian tersebut bukan karena kesalahan a. The loss is not due to an error or negligence;
atau kelalaiannya;
b. Telah melakukan pengurusan dengan itikad baik, b. Arrangements made with good intention, full
penuh tanggung jawab, dan kehati-hatian untuk responsibility and prudence for the interests and
kepentingan dan sesuai dengan maksud dan in accordance with the aims and objectives of
tujuan Perseroan; the Company;
c. Tidak mempunyai benturan kepentingan baik c. No conflict of interest, either directly or indirectly, with
langsung maupun tidak langsung atas tindakan the management actions that result in losses; and
pengurusan yang mengakibatkan kerugian; dan
d. Telah mengambil tindakan untuk mencegah timbul d. Have taken measurements to prevent such losses
atau berlanjutnya kerugian tersebut. arising or continuing.
22. Direksi mewakili Perseroan secara sah dan secara 22. The Board of Directors represent the Company legally
langsung baik didalam maupun di luar pengadilan and directly both inside and outside of the court of all
tentang segala hal dan dalam segala kejadian, mengikat matters and in all incidents, binding the Company with
Perseroan dengan pihak lain dan pihak lain dengan other parties and other parties with the Company and
Perseroan serta menjalankan segala tindakan, baik carrying out all actions, both regarding management and
yang mengenai kepengurusan maupun kepemilikan, ownership, with restrictions;
dengan pembatasan;
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
23. Dalam menjalankan tugas dan tanggung jawab atas 23. In carrying out their duties and responsibilities for the
pengurusan Perseroan, Direksi wajib menyelenggarakan management of the Company, the Board of Directors
RUPS Tahunan dan RUPS Lainnya sebagaimana must hold an annual GMS and other GMS as stipulated
diatur dalam peraturan perundang-undangan dan in the legislation and articles of association;
anggaran dasar;
24. Setiap anggota Direksi wajib melaksanakan tugas dan 24. Each member of the Board of Directors must carry out
tanggung jawab dengan itikad baik, penuh tanggung their duties and responsibilities with good intention, full
jawab, dan kehati-hatian. responsibility and prudence.
Direksi berwenang untuk menetapkan kebijakan The Board of Directors is authorized to determine the
kepengurusan Perseroan yang meliputi: management policies of the Company, including:
a. Mengatur penyerahan kekuasaan Direksi untuk mewakili a. Regulate the delegation of the Board of Directors
Perseroan di dalam dan di luar Pengadilan kepada mandate to represent the Company inside and outside
seorang atau beberapa orang anggota Direksi yang the Court to one or several members of the Board of
khusus ditunjuk untuk itu atau kepada seorang atau Directors who are appointed explicitly for that purpose
beberapa orang pekerja Perseroan baik sendiri-sendiri or to one or several employees of the Company either
maupun bersama-sama atau kepada orang lain dan individually or collectively or to other people and arrange
mengatur penyerahan kekuasaan Direksi untuk mewakili the transfer of power of the Board of Directors to
Perseroan kepada Kepala Cabang atau Kepala Perwakilan represent the Company to Branch Heads or Heads of
di dalam atau di luar negeri. Representatives at home or abroad;
b. Mengatur ketentuan-ketentuan tentang kepegawaian b. Regulate the provision regarding the employment of
Perseroan termasuk penetapan gaji, pensiun atau the Company, including the determination of salaries,
jaminan hari tua dan penghasilan lain bagi pekerja pensions, and other income for the employees of
Perseroan berdasarkan peraturan perundang- the Company based on the prevailing laws and
undangan yang berlaku dan keputusan Rapat Umum regulations and the decisions of the General Meeting of
Pemegang Saham. Shareholders;
c. Mengangkat dan memberhentikan pekerja Perseroan c. Appoint and terminate the Company’s employees based
berdasarkan peraturan kepegawaian Perseroan dan on the Company’s employment regulations and the
peraturan perundang-undangan yang berlaku. prevailing laws and regulations;
d. Melakukan segala tindakan dan perbuatan lainnya d. Conduct all other actions regarding the management or
mengenai pengurusan maupun pemilikan kekayaan ownership of the Company’s assets, bind the Company
Perseroan, mengikat Perseroan dengan pihak lain dan/ with other parties and/or other parties with the Company,
atau pihak lain dengan Perseroan, serta mewakili and represent the Company inside and outside the Court
Perseroan di dalam dan di luar Pengadilan tentang segala regarding all matters and all events with restrictions as
hal dan segala kejadian dengan pembatasan-pembatasan regulated in laws and regulations, Articles of Association
sebagaimana diatur dalam peraturan perundang- and/or General Meeting of Shareholders Decisions;
undangan, Anggaran Dasar dan/atau Keputusan Rapat
Umum Pemegang Saham.
e. Presiden Direktur berhak dan berwenang bertindak untuk e. President Director has the rights and authorities to
dan atas nama Direksi serta sah mewakili Perseroan. act for and on behalf of the Board of Directors and is
legitimate to represent the Company;
f. Dalam hal Presiden Direktur tidak hadir atau berhalangan f. If the President Director is unable to attend, the
karena sebab apapun juga, maka Presiden Direktur President Director appoints one of the members of the
melakukan penunjukan kepada salah seorang anggota Board of Directors for and on behalf of the Board of
Direksi lainnya untuk dan atas nama Direksi serta sah Directors who is legitimate to represent the Company;
mewakili Perseroan.
g. Dalam hal Presiden Direktur tidak melakukan penunjukan g. If the President Director is unable to make an
maka salah seorang Direksi berhak dan berwenang appointment, one of the members of the Board of
bertindak untuk dan atas nama Direksi serta sah Directors is authorized and righteous to act for and
mewakili Perseroan berdasarkan penunjukan dari Rapat on behalf of the Board of Directors and legitimate to
Direksi. represent the Company based on the appointment from
the Directors Meeting;
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h. Anggota Direksi tidak berwenang mewakili Perseroan h. Members of the Board of Directors are not authorized to
apabila: represent the Company, if:
• Terjadi perkara di pengadilan antara Perseroan • There is a dispute in Court between the Company and
dengan anggota Direksi yang bersangkutan; atau the relevant member of the Board of Directors; or
• Anggota Direksi yang bersangkutan mempunyai • The member of the Board of Directors concerned has
benturan kepentingan dengan Perseroan. a conflict of interest with the Company.
i. Dalam hal terdapat keadaan sebagaimana dimaksud i. If there is a situation as stated in point h, the following
pada poin h, yang berhak mewakili Perseroan adalah: has rights to represent the Company:
• Anggota Direksi lainnya yang tidak mempunyai • Other members of the Board of Directors who do not
benturan kepentingan dengan Perseroan; have a conflict of interest with the Company;
• Dewan Komisaris dalam hal seluruh anggota Direksi • 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
• Pihak lain yang ditunjuk oleh RUPS dalam hal seluruh • Other parties appointed by the GMS if all members
anggota Direksi atau Dewan Komisaris mempunyai of the Board of Directors or Board of Commissioners
benturan kepentingan dengan Perseroan. have a conflict of interest with the Company.
j. Pembagian tugas dan wewenang setiap anggota j. The GMS determines duties and authorities for each
Direksi ditetapkan oleh RUPS, dalam hal RUPS tidak member of the Board of Directors. If the GMS does not
menetapkan, maka pembagian tugas dan wewenang stipulate, then the distribution of responsibilities and
setiap anggota Direksi ditetapkan berdasarkan authorities for each member of the Board of Directors are
keputusan Rapat Direksi. determined by decision of board meeting.
Pejabat/Unit Kerja Penanggung Jawab Official/Work Unit Responsible for Sustainability
Keberlanjutan [GRI 2-13] [GRI 2-13]
Berdasarkan Peraturan OJK No. 51/POJK.03/2017 tentang Based on OJK Regulation No. 51/POJK.03/2017 concerning
Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa the Implementation of Sustainable Finance for Financial
Keuangan, Emiten, dan Perusahaan Publik, perusahaan Services Institutions, Issuers and Public Companies,
berkewajiban menunjuk pegawai, pejabat, dan/atau unit companies are obliged to appoint employees, officials
kerja yang bertanggungjawab terhadap penerapan keuangan and/or work units who are responsible for implementing
berkelanjutan di Tugu Insurance. Penambahan ini dilakukan sustainable finance at Tugu Insurance. This addition is made
sebagai ketaatan terhadap ketentuan, sekaligus bentuk in compliance with the provisions, as well as a form of the
komitmen Perseroan dalam mendukung program keuangan Company’s commitment to support sustainable finance
berkelanjutan dan pencapaian Tujuan Pembangunan programs and the achievement of Sustainable Development
Berkelanjutan (TPB) yang mengedepankan aspek ESG. Goals (SDGs) that prioritize ESG aspects.
Perseroan telah menunjuk pejabat atau unit kerja Corporate The Company has appointed an official or Corporate
Secretary, di bawah fungsi Government, Public Relations, Secretary work unit, under the Government, Public Relations,
& Corporate Social Responsibility Department, sebagai & Corporate Social Responsibility Department function, as
penanggung jawab penerapan keuangan berkelanjutan the person in charge of implementing sustainable finance
berdasarkan Surat Keputusan Direksi No. 01/SKD/06/ based on Board of Directors Decree No. 01/SKD/06/
ERLATPI/1/2022 terkait penerbitan pedoman TJSL ERLATPI/1/2022 related to the issuance of the company’s
perseroan, Tata Kerja Organisasi No. B-01/7100/2022- TJSL guidelines, Organizational Work Procedure No.
Rev1 terkait pelaksanaan TJSL perseroan, dan Pedoman B-01/7100/2022-Rev1 related to the implementation of
Pengelolaan Corporate Secretary No. A14-001/ the company’s TJSL, and Corporate Secretary Management
N00000/2020-S9 di lingkungan PT Pertamina (Persero) dan Guidelines No. A14-001/N00000/2020-S9 within
Pertamina Group. PT Pertamina (Persero) and Pertamina Group.
Selama periode pelaporan tahun 2023, Tugu Insurance During the 2023 reporting period, Tugu Insurance has
telah mengalokasikan dana untuk TJSL maupun dukungan allocated funds for TJSL and support for the achievement
pencapaian TPB, yaitu sebesar Rp962,86 juta yang dikelola of SDGs, amounting to IDR962.86 million managed by
oleh fungsi Government, PR & CSR, dan Rp2,93 miliar yang the Government, PR & CSR function, and IDR2.93 billion
dikelola oleh fungsi Human Capital Management, serta managed by the Human Capital Management function, and
sebesar Rp131,95 juta yang dikelola oleh fungsi Compliance IDR131.95 million managed by the Compliance & Quality
& Quality Assurance. Sehingga total realisasi dana yang Assurance function. Thus, the total realization
dikeluarkan oleh perseroan adalah sebesar Rp4,03 miliar. of funds spent by the company is IDR4.03 billion. [E.1]
[E.1]
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 91
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Nominasi dan Pengangkatan Dewan Komisaris dan Direksi [GRI 2-10]
Nomination and Appointment of the Board of Commissioners and Directors [GRI 2-10]
Perseroan melakukan nominasi dan seleksi Dewan The Company carries out nomination and selection of the
Komisaris dan Direksi dengan maksud untuk menjaga Board of Commissioners and Board of Directors to preserve
kesinambungan dan kelancaran proses regenerasi dalam continuity and seamless process of leadership regeneration.
kepemimpinan. Pengangkatan dan pemberhentian anggota The appointment and dismissal of members of the Board
Dewan Komisaris merupakan wewenang penuh RUPS yang of Commissioners is the full authority of the GMS, which is
dilakukan dengan memperhatikan visi, misi, dan rencana carried out with due regard to the Company’s vision, mission
strategis Perseroan untuk memungkinkan pengambilan and strategic plans to enable effective, fast, accurate and
keputusan yang efektif, cepat, tepat, dan independen. independent decision-making. In appointing the Board of
Dalam pengangkatan Dewan Komisaris, kandidat Komisaris Commissioners, the candidate for Commissioner may be
dapat dinominasikan oleh pemegang saham pengendali. nominated by the controlling shareholder. The nomination
Komite nominasi dan remunerasi kemudian akan membahas and remuneration committee will then discuss the profile
profil dan kualifikasi masing-masing kandidat dalam rapat and qualifications of each candidate in the nomination
nominasi. Kandidat terpilih kemudian akan diangkat dengan meeting. The selected candidate will then be appointed with
persetujuan RUPS. the approval of the GMS.
Peraturan Otoritas Jasa Keuangan No. 27/POJK.03/2016 Financial Services Authority Regulation Number 27/
tanggal 22 Juli 2016 tentang Penilaian Kemampuan dan POJK.03/2016 dated 22 July 2016 concerning Fit
Kepatutan bagi Pihak Utama Lembaga Jasa Keuangan and Proper Test for Main Parties of Financial Services
antara lain mengatur bahwa calon anggota Dewan Komisaris Institutions, among others, stipulates that candidates
yang termasuk sebagai Pihak Utama Tugu Insurance yang for members of the Board of Commissioners who are
merupakan Lembaga Jasa Keuangan wajib memperoleh Tugu Insurance Main Parties who are Financial Services
persetujuan dari Otoritas Jasa Keuangan sebelum Institutions must obtain approval from the Financial Services
menjalankan tindakan, tugas dan fungsinya sebagai anggota Authority before carrying out its actions, duties and functions
Dewan Komisaris. Dalam rangka memberikan persetujuan as a member of the Board of Commissioners. To provide
tersebut, OJK melakukan penilaian kemampuan dan such authorisation, OJK conducts a fit and proper test for
kepatutan (fit and proper test) kepada calon anggota Dewan prospective members of the Board of Commissioners.
Komisaris.
Anggota Dewan Komisaris yang telah lulus penilaian Members of the Board of Commissioners who have passed
kemampuan dan kepatutan (fit and proper test) tanpa the fit and proper test without a note and have received
catatan dan telah mendapat persetujuan dari Otoritas approval from the Financial Services Authority indicate that
Jasa Keuangan, mengindikasikan bahwa anggota Dewan the members concerned have and meet the requirements of
Komisaris yang bersangkutan memiliki dan memenuhi adequate integrity, competence and financial reputation.
persyaratan integritas, kompetensi dan reputasi keuangan
yang memadai.
Sementara itu, mekanisme nominasi dan pengangkatan Meanwhile, the nomination and appointment mechanism
Direksi berasal dari usulan pemegang saham pengendali. for the Board of Directors comes from the proposal of
Atas usulan tersebut, selanjutnya Dewan Komisaris dan the controlling shareholder. Based on this proposal, the
atau Komite Nominasi dan Remunerasi melakukan kajian/ Board of Commissioners and/or the Nomination and
analisis kelayakan dan verifikasi profil usulan calon Direksi. Remuneration Committee will conduct a feasibility study/
Hasil kajian tersebut, selanjutnya Dewan Komisaris analysis and verify the profile of the proposed candidate for
merekomendasikan calon Direksi kepada RUPS untuk the Board of Directors. The results of the review, the Board
mendapatkan persetujuan. Berdasarkan rekomendasi of Commissioners then recommends candidates for the
Dewan Komisaris, RUPS dapat memberikan persetujuan dan Board of Directors to the GMS for approval. Based on the
pengangkatan Direksi yang baru. recommendation of the Board of Commissioners, the GMS
can approve and appoint new Directors.
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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
Evaluasi Kinerja dan Remunerasi Dewan Komisaris dan Direksi [GRI 2-18]
Performance Evaluation and Remuneration for the Board of Commissioners and Directors
[GRI 2-18]
Dalam rangka meningkatkan kinerja Dewan Komisaris dan The Company carries out evaluation on the performance of
Direksi, Perseroan melakukan evaluasi terhadap kinerja the Board of Commissioners and Board of Directors through
mereka melalui self-assessment yang kemudian dilaporkan self-assessment, which is then reported and accounted
dan dipertanggungjawabkan dalam RUPS. Hasil penilaian for in the GMS, in order to improve their performance.
kinerja Dewan Komisaris dan Direksi digunakan sebagai The results of the performance evaluation of the Board of
bahan pertimbangan untuk meningkatkan efektivitas kerja. Commissioners and the Board of Directors are used as
consideration to improve work effectiveness.
Penilaian pelaksanaan tugas Dewan Komisaris dan Direksi, Assessment of the implementation of the duties of the
antara lain mengacu pada Pedoman Induk Perseroan dan Board of Commissioners and Board of Directors, among
Peraturan OJK No. 73/POJK.05/2016 tentang Tata Kelola others, refers to Parent Company Guideline and OJK
Perusahaan yang Baik bagi Perusahaan Perasuransian. Regulation Number 73/POJK.05/2016 concerning Good
Terkait dengan hal itu, Dewan Komisaris dan Direksi masing- Corporate Governance for Insurance Companies. In this
masing memperoleh penilaian atas seluruh upaya dalam regard, the Board of Commissioners and Directors each
mengimplementasikan berbagai program dan inisiatif obtain an assessment of all efforts to implement various
yang tertuang dalam rencana strategis mencakup rencana programs and initiatives contained in the strategic plan,
korporasi dan rencana bisnis selaras dengan visi, misi, including corporate plans and business plans in line with the
strategi dan nilai-nilai Perusahaan. vision, mission, strategy and values of the Company.
Dasar Penilaian Dewan Komisaris [GRI 2-18] Basis of Assessment of the Board of
Commissioners [GRI 2-18]
Penilaian kinerja Dewan Komisaris dan anggotanya secara In general, performance assessment of the Board of
umum ditentukan berdasarkan tugas dan kewajiban Commissioners and its members is determined by the
sebagaimana tercantum dalam peraturan perundang- duties and obligations as set forth in the applicable laws and
undangan yang berlaku, Anggaran Dasar Perusahaan, dan regulations, the Company’s Articles of Association, and the
amanat pemegang saham. Shareholders’ mandate.
Penilaian kinerja Dewan Komisaris dilakukan berdasarkan Performance assessment of the Board of Commissioners is
pencapaian Key Performance Indicators (KPI) dan carried out based on the achievement of Key Performance
memperhatikan AKHLAK (Amanah, Kompeten, Harmonis, Indicators (KPI) and taking into account the AKHLAK
Loyal, Adaptif, dan Kolaboratif) behavior survey. (Amanah, Kompeten, Harmonis, Loyal, Adaptif, and
Kolaboratif) behaviour survey.
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 93
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Penilaian kinerja Dewan Komisaris secara individu dilakukan KPI is an assessment measure of the successful
berdasarkan tolak ukur yang telah disepakati oleh masing- implementation of supervisory duties and responsibilities
masing anggota Dewan Komisaris. Aspek yang dinilai and providing advice by the Board of Commissioners. The
dalam KPI Dewan Komisaris tahun 2023 adalah aspek aspects assessed in the KPI of the Board of Commissioners
perencanaan, aspek pelaksanaan tugas, aspek pelaporan, for 2022 are aspects of planning, task implementation,
dan aspek dinamis. reporting and dynamics.
Dasar Penilaian Kinerja Direksi [GRI 2-18] Basis for Board of Directors Performance
Assessment [GRI 2-18]
Seluruh anggota Direksi memiliki target kinerja yang All members of the Board of Directors have performance
disesuaikan dengan tugas dan tanggung jawab masing- targets adjusted to the duties and responsibilities of each
masing anggota Direksi termasuk pengelolaan kepatuhan, member, including compliance management, risk control
pengendalian risiko dan sumber daya manusia. Hasil and human resources. The results of the performance
penilaian kinerja Direksi menjadi bahan pertimbangan dalam evaluation of the Board of Directors become material
meningkatkan efektivitas kinerja Direksi dan disampaikan for consideration in increasing the effectiveness of the
dalam bentuk pertanggungjawaban pelaksanaan tugas dan performance of the Board of Directors and are presented in
tanggung jawab pada saat RUPS Tahunan. the form of accountability for the implementation of duties
and responsibilities at the Annual GMS.
Penilaian kinerja merupakan salah satu dasar pertimbangan Performance appraisal is one of the essential considerations
bagi Komite Remunerasi dan Nominasi dalam memberikan for the Remuneration and Nomination Committee in
rekomendasi kepada Dewan Komisaris untuk mengangkat providing recommendations to the Board of Commissioners
kembali anggota Dewan Komisaris dan Direksi serta to reappoint members of the Board of Commissioners and
sebagai bahan pertimbangan untuk menyusun struktur Directors, as well as material for consideration in preparing
remunerasi. Dalam melakukan penilaian atas kinerja the remuneration structure. In assessing the performance
Direksi, Dewan Komisaris mempertimbangkan beberapa of the Board of Directors, the Board of Commissioners
aspek sebagai dasar penilaian, termasuk faktor eksternal considers several aspects as a basis for the assessment,
yaitu kondisi perekonomian dan industri perasuransian. including external factors, namely economic conditions
Dewan Komisaris memberikan penilaian terhadap kinerja and the insurance industry. The Board of Commissioners
Direksi yang meliputi tinjauan perekonomian dan industri, provides an assessment of the performance of the Board
pencapaian Key Performance Indicators (KPI), pelaksanaan of Directors which includes economic and industrial
kebijakan strategis perkreditan, teknologi informasi, Sumber reviews, achievement of Key Performance Indicators (KPI),
Daya Manusia (SDM) dan kinerja Entitas Anak dengan tetap implementation of strategic credit policies, information
memperhatikan faktor eksternal. technology, Human Resources (HR) and the performance of
Subsidiaries while still paying attention to external factors.
Kebijakan Remunerasi [GRI 2-19, 2-20] Remuneration Policy [GRI 2-19, 2-20]
Penerapan kebijakan remunerasi Dewan Komisaris dan Implementing the remuneration policy for the Board of
Direksi mengacu pada ketentuan Peraturan OJK No. 73/ Commissioners and Board of Directors refers to the
POJK.05/2016 tentang Tata Kelola Perusahaan yang Baik provisions of OJK Regulation No. 73/POJK.05/2016
bagi Perusahaan Perasuransian. Dewan Komisaris dan concerning Good Corporate Governance for Insurance
Direksi mendapat sejumlah remunerasi dan fasilitas lainnya. Companies. The Board of Commissioners and the Board of
Kebijakan pemberian remunerasi dan fasilitas lainnya bagi Directors receive some remuneration and other facilities.
Dewan Komisaris mengacu kepada keputusan Pemegang Policy on the provision of remuneration and other facilities
Saham sebagaimana ditetapkan dalam Rapat Umum for the Board of Commissioners refers to the decisions of
Pemegang Saham dengan memperhatikan hasil kajian yang the Shareholders as stipulated in the General Meeting of
dilakukan oleh Perusahaan. Shareholders by taking into account the results of studies
conducted by the Company.
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Kriteria Penetapan Remunerasi Dewan Komisaris Criteria for Determining Remuneration for the
dan Direksi Board of Commissioners and the Board of
Directors
Kajian tentang struktur dan jumlah remunerasi untuk Dewan The review of the structure and amount of remuneration for
Komisaris didasarkan pada: the Board of Commissioners based on:
1. Ketentuan dan Perundang-Undangan yang berlaku; 1. Applicable laws and regulation;
2. Ketentuan yang berlaku pada PT Pertamina (Persero 2. Provisions applicable to PT Pertamina (Persero) as
selaku Pemegang Saham Pengendali; Controlling Shareholders;
3. Kinerja Perseroan; 3. Company performance;
4. Kewajaran dengan Industri Perasuransian; 4. Fairness with the Insurance Industry;
5. Regulasi yang terkait dengan remunerasi lainnya misalnya 5. Regulations related to other remuneration, for example
Upah Minimum dan Undang-Undang Ketenagakerjaan. the Minimum Wage and the Labor Law.
Pengkajian ulang atas Kebijakan Remunerasi dilakukan The review of the Remuneration Policy is carried out
setiap tahun termasuk kaji ulang dilakukan untuk remunerasi periodically, including a review conducted for the
Dewan Komisaris, Direksi dan Pegawai. remuneration of the Board of Commissioners, the Board of
Directors, and Employees.
Prosedur Pengusulan Hingga Penetapan Proposal Procedure and Determination of
Remunerasi Remuneration
Prosedur penetapan remunerasi Dewan Komisaris The procedure for determining the remuneration of Tugu
dan Direksi Tugu Insurance dilakukan melalui tahapan Insurance Board of Commissioners and Board of Directors is
sebagaimana bagan berikut: carried out in stages as shown in the following chart:
1. Komite Nominasi dan Remunerasi melakukan penyusunan 1. The Nomination and Remuneration Committee prepares
dan evaluasi terhadap struktur, kebijakan dan besaran and evaluates the structure, policies, and the amount
remunerasi Dewan Komisaris sesuai dengan peraturan of remuneration for the Board of Commissioners in
perundangan yang berlaku. Struktur Remunerasi tersebut accordance with applicable laws and regulations. The
dapat berupa gaji, honorarium, insentif dan/atau Remuneration Structure can be in the form of salary,
tunjangan yang bersifat tetap dan/atau variabel; honorarium, incentives and/or benefits that are fixed and/
or variable;
2. Berdasarkan hasil evaluasi tersebut Komite Nominasi 2. Based on the results of the evaluation, the
dan Remunerasi akan memberikan rekomendasi kepada Nomination and Remuneration Committee will provide
Dewan Komisaris mengenai struktur remunerasi, recommendations to the Board of Commissioners
kebijakan remunerasi dan besaran remunerasi Dewan regarding the remuneration structure, remuneration
Komisaris dan Direksi; policy and the amount of remuneration for the Board of
Commissioners;
3. Dewan Komisaris akan menyampaikan usulan mengenai 3. The Board of Commissioners will submit a proposal
honorarium bagi Dewan Komisaris dan Direksi serta regarding honorarium for the Board of Commissioners
tantiem bagi Dewan Komisaris dan Direksi kepada and bonus for the Board of Commissioners to the
Pemegang Saham untuk mendapat persetujuan RUPS. Shareholders to get GMS approval.
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 95
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Bagan Prosedur Penetapan Remunerasi Dewan Komisaris dan Direksi
Chart of Procedure for Determining Board of Commissioners and Board of Directors Remuneration
Komite Nominasi
& Remunerasi Dewan Komisaris
menyampaikan menyampaikan usulan
Struktur & besaran
rekomendasi mengenai struktur & besaran
remunerasi Dewan
struktur & besaran remunerasi Dewan
Komisaris diagendakan,
remunerasi Dewan Komisaris kepada
dibahas, dan diputuskan
Komisaris kepada Dewan pemegang saham
dalam RUPS
Komisaris dalam RUPS
The structure and amount of
The Nomination & Remuneration The Board of Commissioners remuneration for the Board of
Committee submits submits the Proposed Commissioners is scheduled,
recommendations regarding Structure & Amount of discussed and decided at the
the structure & amount of Remuneration for the GMS
remuneration of the Board of Board of Commissioners to
Commissioners to the Board of Shareholders at the GMS
Commissioners
Remunerasi Dewan Komisaris dan Direksi Tahun Remuneration for the Board of Commissioners and
2023 Directors in 2023
Dewan Komisaris dan Direksi telah menerima besaran The Board of Commissioners and Directors have received
remunerasi berdasarkan persetujuan Rapat Umum the amount of remuneration based on the approval of the
Pemegang Saham Perseroan. Realisasi remunerasi anggota Company's General Meeting of Shareholders. The actual
Dewan Komisaris dan Direksi serta komponennya pada remuneration of members of the Board of Commissioners
tahun 2023 disajikan dalam Laporan Tahunan 2023. and Directors and their components in 2023 is presented in
the 2023 Annual Report.
Pengembangan Kompetensi Terkait Keuangan Berkelanjutan [OJK E.2][GRI 2-17]
Development of Competencies Related to Sustainable Finance [OJK E.2][GRI 2-17]
Peningkatan Kapabilitas Dewan Komisaris dan Capability Building of Board of Commissioners and
DPS DPS
Perseroan menyelenggarakan program pelatihan/orientasi The Company organizes training/orientation programs for
bagi Anggota Dewan Komisaris yang baru, dengan tujuan new members of the Board of Commissioners, with the
agar para Anggota Dewan Komisaris dapat saling mengenal aim that members of the Board of Commissioners can get
dan menjalin kerjasama sebagai satu tim yang solid, familiarized with each other and establish cooperation as a
komprehensif dan efektif. solid, comprehensive, and effective team.
Kebijakan program pelatihan/orientasi bagi Anggota Dewan The policies for the training/orientation program for new
Komisaris baru sebagaimana diatur dalam Board Manual members of the Board of Commissioners are regulated in
adalah sebagai berikut: the Board Manual as follows:
1. Untuk Anggota Dewan Komisaris yang baru diangkat, 1. For newly appointed Members of the Board of
wajib diberikan program pengenalan mengenai kondisi Commissioners, the orientation program must be given
Perseroan secara umum. regarding the general condition of the Company;
2. Penanggung jawab program pengenalan adalah Sekretaris 2. The person in charge of the orientation program is the
Perusahaan atau pejabat yang menjalankan fungsi Corporate Secretary or official who performs the functions
sebagai Sekretaris Perusahaan. as the Corporate Secretary;
3. Program pengenalan meliputi: 3. The orientation program includes:
a. Pelaksanaan prinsip-prinsip Good Corporate a. Implementation of the principles of Good Corporate
Governance di Perseroan; Governance in the Company;
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b. Keterangan mengenai tugas, tanggung jawab, dan b. Information regarding the duties, responsibilities, and
hak Dewan Komisaris dan Direksi serta hal lain rights of the Board of Commissioners and the Board of
yang dilarang berdasarkan ketentuan dan Peraturan Directors as well as other matters that are prohibited
Perundangan yang Berlaku; based on the provisions and applicable laws and
regulations;
c. Gambaran mengenai Perseroan berkaitan dengan c. A description of the Company relating to the objectives,
tujuan, sifat, dan lingkup kegiatan, kinerja keuangan characteristics and scope of activities, financial and
dan operasi, strategi, rencana usaha jangka pendek operating performance, strategies, short-term and long-
dan jangka panjang, risiko, pengendalian internal dan term business plans, risks, internal control, and other
masalah-masalah strategis lainnya; strategic issues;
d. Keterangan berkaitan dengan kewenangan yang d. Information relating to delegated authority, internal and
didelegasikan, audit Internal dan eksternal, sistem dan external audit, Internal control systems and policies
kebijakan pengendalian Internal serta Komite Audit. and the Audit Committee.
e. Program pengenalan dapat berupa presentasi, e. The introduction program can take the form of
pertemuan, kunjungan ke fasilitas Perseroan, presentations, meetings, visits to Company facilities,
kunjungan ke kantor-kantor cabang, pengkajian visits to branch offices, review of Company documents
dokumen Perseroan atau program lainnya yang or other programs deemed appropriate to needs.
dianggap sesuai dengan kebutuhan.
Pada tahun 2023 telah dilakukan program pengenalan/ In 2023 an introduction/orientation program has been
orientasi untuk Anggota Dewan Komisaris yang baru yaitu carried out for the new Commissioners, namely Mr. Tajudin
Bapak Tajudin Noor dan Bapak Samuel Ramna (Samuel Lie). Noor dan Mr. Samuel Ramna (Samuel Lie).
Board Manual mengatur kebijakan tentang program The Board Manual regulates policies regarding 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 in
rangka meningkatkan efektivitas kerja Dewan Komisaris; order to improve the work effectiveness of the Board of
Commissioners;
2. Rencana untuk melaksanakan program peningkatan 2. To implement the competency development, the planning
kompetensi harus dimasukkan dalam rencana kerja dan program must be included in the work plan and budget of
anggaran Dewan Komisaris; the Board of Commissioners;
3. Anggota Dewan Komisaris yang bersangkutan 3. The member of the Board of Commissioners concerned is
bertanggung jawab untuk membuat laporan tentang responsible for making reports on the implementation of
pelaksanaan program peningkatan kompetensi; the competency development program;
4. Laporan tersebut disampaikan kepada Dewan Komisaris. 4. The report is submitted to the Board of Commissioners.
Program-program peningkatan kapabilitas yang diikuti The list of capability improvement programs that the Board
anggota Dewan Komisaris dan DPS selama tahun 2023, of Commissioners and DPS members participated in 2023 is
disajikan dalam Laporan Tahunan Tugu Insurance 2023. available in the 2023 Tugu Insurance Annual Report.
Peningkatan Kapabilitas Direksi Board of Directors Capability Improvement
Perseroan menyelenggarakan program peningkatan The Company organizes a competency improvement
kompetensi bagi Anggota Direksi bertujuan untuk program for members of the Board of Directors so that the
memperbaharui informasi tentang perkembangan terkini Board of Directors can always update information on the
terkait core business perasuransian dan peraturan latest developments of the Company’s core business and
perundang-undangan yang berlaku. applicable laws and regulations.
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Ketentuan-ketentuan tentang program peningkatan The provisions regarding the competency improvement
kompetensi bagi Direksi adalah sebagai berikut: program for the Board of Directors are as follows:
1. Program peningkatan kompetensi dilaksanakan dalam 1. Capability enhancement program is carried out in order
rangka meningkatkan efektivitas kerja Direksi; to increase the effectiveness of the work of the Board of
Directors;
2. Rencana untuk melaksanakan program peningkatan 2. The plan to implement the capability improvement
kompetensi harus dimasukkan dalam rencana kerja dan program must be included in the work plan and budget of
anggaran Direksi; the Board of Directors;
3. Anggota Direksi yang bersangkutan harus membuat 3. The member of the Board of Directors concerned must
laporan tentang pelaksanaan Program Peningkatan make a report on the implementation of the Capability
Kompetensi dan disampaikan kepada Direksi. Improvement Program and submit it to the Board of
Directors.
Program-program peningkatan kapabilitas yang diikuti The list of capability improvement programs that the Board
Anggota Direksi selama tahun 2023, disajikan dalam of Directors members participated in 2023 is available in the
Laporan Tahunan Tugu Insurance 2023. 2023 Tugu Insurance Annual Report.
Pengembangan Kompetensi Pejabat/Unit Competency Development of Officer/Work Units
Kerja Penanggung Jawab Penerapan Keuangan in Charge of Sustainable Finance Implementation
Keberlanjutan
Sepanjang tahun 2023, Pejabat/Unit Kerja Penanggung Throughout 2023, the Officers/Work Units in Charge of
Jawab Keberlanjutan telah mengikuti program pengembangan Sustainability participated in the following competency
kompetensi sebagai berikut: development programs:
Materi Pengembangan
Nama Jabatan Kompetensi Pelatihan Penyelenggara Tanggal
Name Position Training Competency Development Organizer Date
Subject
Emil Hakim* Direktur Keuangan Risk Management Forum Pertamina Group Tugu Institute X ERM & 16 Maret 2023
& Layanan Korporat 2023 Legal Group 16 March 2023
Director of Corporate Konsinyering & Agent Of Change ERP 15-26 Mei 2023
Finance & Services Consigning & Agent Of Change 15-26 May 2023
Sewindu Kami Mengabdi, untuk Komunikasi PR Indonesia 21 September 2023
Negeri 21 September 2023
8 Years we serve the country’s
communications
Optimizing Business Continuity Strategy to ERMA 27 September 2023
Achieve Sustainable Objectives 27 September 2023
Rudy Samudra** Corporate Secretary People Management Development Program HR Excellency 30 Januari-1 Februari 2023
Group Head 30 January-1 February 2023
Risk Management Forum Pertamina Group Tugu Institute & ERM & 16 Maret 2023
2023 Legal Group 16 March 2023
tiLearn 042: Implementasi SMAP Tugu Institute & 8 Juni 2023
Dalam Menunjang Kegiatan Operasional Compliance 8 June 2023
Perusahaan
tiLearn 042: Implementation of SMAP in
Supporting Company Operational Activities
tilearn 043: Suretyship Tugu Institute & Brokers 15 Juni 2023
Group 15 June 2023
98 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Materi Pengembangan
Nama Jabatan Kompetensi Pelatihan Penyelenggara Tanggal
Name Position Training Competency Development Organizer Date
Subject
tiLearn 046 : Perlindungan Data Pribadi Tugu Institute & Legal 2 Agustus 2023
di Industri Jasa Keuangan Setelah Compliance Group 2 August 2023
Disahkannya UU PDP
tiLearn 046 : Protection of Personal Data
in the Financial Services Industry After the
Passing of the PDP Law
Coaching for Empowering Your Team IKIGAI 30 Agustus 2023
30 August 2023
tilearn 047: Right Service Experience for Markplus 23 Oktober 2023
the Right Customer 23 October 2023
tilearn 054: APU, PPT & PPPSPM di Sektor Tugu Institute & Legal 12 Desember 2023
Jasa Keuangan Compliance Group 12 December 2023
Berbasis POJK No. 8 Tahun 2023
tilearn 054: APU, PPT & PPPSPM in the
Financial Services Sector, Based on POJK
No. 8 of 2023
Inadia Aristyavani Government, PR & Risk Management Forum Pertamina Group Tugu Institute & ERM & 16 Maret 2023
CSR Department Head 2023 Legal Group 16 March 2023
tiLearn 041: Basic Safety Training 2023 Tugu Institute & HSSE 24 Mei 2023
24 May 2023
tiShare 008: Sosialisasi Pengelolaan Talent Tugu Institute & Human 29 Mei 2023
dan Rencana Suksesi Capital 29 May 2023
tiShare 008: Dissemination of Talent
Management and Succession Plans
tiLearn 042: Implementasi SMAP Tugu Institute & 8 Juni 2023
Dalam Menunjang Kegiatan Operasional Compliance 8 June 2023
Perusahaan
tiLearn 042: Implementation of SMAP in
Supporting Company Operational Activities
Coaching for Empowering Your Team IKIGAI 30 Agustus 2023
30 August 2023
tilearn 047: Right Service Experience for Markplus 23 Oktober 2023
the Right Customer 23 October 2023
tilearn 054: APU, PPT & PPPSPM di Sektor Tugu Institute & Legal 12 Desember 2023
Jasa Keuangan Compliance Group 12 December 2023
Berbasis POJK No. 8 Tahun 2023
tilearn 054: APU, PPT & PPPSPM in the
Financial Services Sector, Based on POJK
No. 8 of 2023
*) Emil Hakim menjabat sebagai Corporate Secretary Group Head sejak Januari - Oktober 2023
**) Rudy Samudra menjabat sebagai Corporate Secretary Group Head sejak November - Desember 2023
*) Emil Hakim has served as Corporate Secretary Group Head since January - October 2023
**) Rudy Samudra has served as Corporate Secretary Group Head since November - December 2023
Penilaian Risiko atas Penerapan Keuangan Berkelanjutan [OJK E.3]
Risk Assessment on Sustainable Finance Implementation [OJK E.3]
Tugu Insurance menyadari akan potensi risiko yang mungkin In carrying out business activities engaged in insurance,
terjadi dari aktivitas bisnis, operasional perusahaan dan Tugu Insurance is aware of the potential risks that may
dapat menghambat keberlanjutan Perusahaan serta occur from business activities and company operations
pencapaian tujuan Perusahaan. Untuk itu Tugu Insurance and can hinder the sustainability of the company and
berupaya mewujudkan sistem Tata Kelola Perusahaan yang the achievement of company goals. For this reason, Tugu
baik (Good Corporate Governance) dan mengelola risiko Insurance seeks to realize a Good Corporate Governance
dengan mekanisme yang sejalan dengan ketentuan yang system and manage risk with a mechanism that aligns with
ditetapkan Regulator, sehingga dapat memastikan kegiatan the provisions stipulated by the Regulator to ensure that the
usaha yang dijalankan mampu berjalan aman sesuai target business activities carried out can run safely according to
dan rencana yang telah ditentukan. predetermined targets and plans.
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Proses pengelolaan risiko adalah bagian dari pengawasan The risk management process is part of internal supervision
internal yang melibatkan Dewan Komisaris, Dewan involving the Board of Commissioners, Sharia Supervisory
Pengawas Syariah, Direksi, Manajemen Senior dan seluruh Board, Board of Directors, Senior Management and all levels
lapisan Karyawan. of Employees.
Kerangka Penerapan Manajemen Risiko Risk Management Implementation Framework
Kerangka manajemen risiko Tugu Insurance tercantum dalam Tugu Insurance implements a risk management framework
Kebijakan Umum Manajemen Risiko Perseroan. Kebijakan as stated in the General Risk Management Policy of the
tersebut dikembangkan selaras dengan strategi bisnis, Company. The Risk Management Framework is developed
struktur organisasi, ketentuan internal, serta ketersediaan in line with the Company’s business strategy, organizational
infrastruktur. Dalam implementasinya, penerapan structure, internal regulations, and the availability of
manajemen risiko mengacu kepada standar SNI ISO 31000 the Company’s infrastructure. In its implementation, the
(Manajemen Risiko Berbasis Risiko) yang terdiri dari prinsip, application of risk management refers to the SNI ISO 31000
kerangka kerja dan proses Manajemen Risiko. standard (RiskBased Risk Management), which consists of
Risk Management principles, frameworks and processes.
Pelaksanaan manajemen risiko melibatkan seluruh unsur Implementing risk management at Tugu Insurance
dalam organisasi mulai dari manajemen hingga karyawan involves all organisational elements, from management to
pelaksana. Seluruh unsur tersebut berperan aktif dalam implementing employees. All these elements play an active
konteks “Tiga Lini Pertahanan” manajemen risiko. role in the context of the “Three Lines of Defense” risk
management.
1. Lini-1: First Line of Defense 1. 1st Line: First Line of Defense
First line of defense atau lini pertahanan pertama berisi The first line of defense consists of work units that own
unit kerja pemilik risiko yang melaksanakan fungsi bisnis risks that carry out business functions and operational
dan unit kerja operasional dan pendukung bisnis. Seluruh and business support work units. All tasks in the first line
fungsi pada lini pertahanan pertama bertanggung jawab of defense are responsible for identifying and managing
dalam mengidentifikasi dan mengelola risiko yang melekat risks inherent in every product, activity, process and
pada setiap produk, kegiatan, proses dan sistem yang system implemented and are expected to have high-risk
dijalankan, serta diharapkan memiliki kesadaran risiko awareness to manage risk effectively.
yang tinggi untuk mengelola risiko dengan efektif.
2. Lini-2: Second Line of Defense 2. 2nd Line: Second Line of Defense
Second line of defense atau lini pertahanan kedua terdiri The second line of defense consists of the risk
dari unit kerja manajemen risiko dan unit kerja kepatuhan management work unit and the compliance work unit,
yang bertanggung jawab atas pengembangan strategi which are responsible for developing a risk management
manajemen risiko, pemeliharaan dan pengembangan strategy, maintaining and continuously developing the
berkelanjutan dari kerangka pengelolaan risiko dan risk management framework and providing input and
memberikan masukan serta arahan kepada unit kerja direction to the business work unit and support work
bisnis dan unit kerja pendukung mengenai proses units regarding the process risk management, risk
pengelolaan risiko, pengukuran risiko dan pelaporan. measurement and reporting.
3. Lini-3: Third Line of Defense 3. 3rd Line: Third Line of Defense
Third line of defense atau lini pertahanan ketiga adalah The third line of defense is the internal audit unit. Internal
unit internal audit. Internal audit berfungsi sebagai unit audit functions as an independent unit tasked with
independen yang bertugas melakukan risk-based audit conducting risk-based audits that provide added value to
yang memberikan added value kepada lini pertahanan the first and second lines of defense.
pertama dan kedua.
Perseroan membentuk Unit Kerja Manajemen Risiko di To implement and provide provisions and infrastructure for
bawah Direktur Kepatuhan dan Manajemen Risiko untuk risk management, the Company has established a Risk
melaksanakan pengelolaan risiko. Unit Kerja Manajemen Management Work Unit under the Director of Compliance
Risiko merupakan unit kerja yang independen dari unit bisnis and Risk Management. The Risk Management Work Unit
dan unit operasional Perseroan, dan memiliki tanggung jawab is a work unit that is independent of the business units
utama untuk memastikan proses penerapan manajemen and operational units of the Company and has the primary
risiko telah berjalan efektif di Perseroan. responsibility for ensuring that the process of implementing
risk management has been running effectively in the
Company.
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Pilar Penerapan Manajemen Risiko Pillars of Risk Management Implementation
Penerapan manajemen Risiko Perseroan mencakup hal-hal The scope of implementation of the Company’s Risk
sebagai berikut: management is as follows:
1. Pengawasan Aktif Direksi, Dewan Komisaris, dan Dewan 1. Active Supervision of the Board of Directors,
Pengawas Syariah. Ketiganya bertanggung jawab atas Commissioners and Sharia Supervisory Board. All three
efektivitas penerapan Manajemen Risiko di Perseroan. are in charge of the effectiveness of Risk Management
Oleh karena itu, Direksi, Dewan Komisaris dan Dewan implementation in the Company. Therefore, the Board
Pengawas Syariah diharuskan untuk: of Directors, Board of Commissioners and Sharia
Supervisory Board are required to:
a. Mengetahui informasi risiko, jenis risiko dan tingkat a. Know risk information, types of risk and level of risk
risiko yang melekat pada kegiatan usaha Perseroan; inherent in the Company’s business activities;
b. Memberikan arahan yang jelas dalam penerapan b. Provide clear direction in implementing risk
manajemen risiko; management;
c. Melakukan pengawasan dan mitigasi risiko c. Actively monitor and mitigate risks;
secara aktif;
d. Mengembangkan budaya manajemen risiko Perseroan; d. Develop the Company’s risk management culture;
e. Memastikan struktur organisasi yang memadai beserta e. Ensure adequate organizational structure and
tugas dan tanggung jawab masing-masing, untuk respective duties and responsibilities to support the
mendukung penerapan Manajemen Risiko yang efektif; implementation of effective Risk Management;
f. Memastikan kecukupan kuantitas dan kualitas sumber f. Ensure adequate quantity and quality of human
daya manusia untuk penerapan manajemen risiko resources for the implementation of effective risk
secara efektif. management.
Dalam pelaksanaan penerapan manajemen risiko, In implementing risk management, active supervision
pengawasan aktif oleh Direksi, Dewan Komisaris dan by the Board of Directors, Commissioners and Sharia
Dewan Pengawas Syariah dilaksanakan melalui: Supervisory Board is carried out through:
a. Pelaksanaan rapat Komite Pemantau Risiko a. Implementation of Risk Monitoring Committee
secara berkala; meetings regularly;
b. Pelaksanaan rapat Komite Manajemen Risiko b. Conducting regular Risk Management
secara berkala; Committee meetings;
c. Pelaksanaan Rapat Dewan Pengawas Syariah secara c. Conducting regular Sharia Supervisory Board meetings
berkala dan mengawasi pemenuhan prinsip syariah and oversee compliance with sharia principles for
atas produk, aktivitas unit usaha Syariah Perusahaan products and activities of the Company’s Sharia
agar sesuai dengan fatwa Dewan Syariah Nasional- business units to comply with the fatwa of the National
Majelis Ulama Indonesia; Sharia Council-Indonesian Ulema Council;
d. Menetapkan, monitoring dan review atas pelaksanaan d. Establishing, monitoring and reviewing the
mitigasi Top Risk Register on Going Business Perseroan implementation of the Company’s Top Risk Register on
secara berkala; Going Business mitigation regularly;
e. Monitoring dan review atas Early Warning System/Key e. Monitoring and reviewing the Company’s Early Warning
Risk Indicator Perseroan secara berkala; System / Key Risk Indicator regularly;
f. Pelaporan hasil assessment profil risiko terintegrasi f. Reporting on the results of the integrated risk profile
yang disampaikan secara berkala; assessment, which is submitted periodically;
g. Pelaporan hasil self assessment Tingkat Kesehatan g. Reporting on the results of the Company’s Health
Perseroan (tata kelola yang baik, profil risiko, Level self-assessment (good governance, risk profile,
rentabilitas dan permodalan) secara tahunan; earnings and capital) annually;
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; flyer campaigns;
i. Mengadakan pertemuan antara Unit Kerja Manajemen i. Holding meetings between the Risk Management Work
Risiko dengan Komite Pemantau Risiko; Unit and the Risk Monitoring Committee;
j. Mengikutsertakan pegawai dalam training, seminar, j. Involving employees in training, seminars, workshops,
workshop, maupun sertifikasi profesi; and professional certification.
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
2. Kecukupan kebijakan, prosedur dan penetapan 2. Adequacy of policies, procedures and determination of
limit risiko. risk limits
Penerapan Manajemen Risiko yang efektif harus didukung Effective implementation of Risk Management must be
dengan kerangka yang mencakup kebijakan dan prosedur supported by a framework that includes Risk Management
Manajemen Risiko serta limit risiko yang ditetapkan policies and procedures and clearly defined risk limits
secara jelas sejalan dengan visi, misi dan strategi bisnis in line with the Company’s vision, mission and business
Perseroan. strategy.
Penyusunan kebijakan dan prosedur Manajemen Risiko The preparation of Risk Management policies and
tersebut dilakukan dengan memperhatikan antara lain procedures is carried out by taking into account, among
karakteristik dan kompleksitas kegiatan bisnis, tingkat others, the characteristics and complexity of business
risiko yang akan diambil dan toleransi risiko, profil risiko activities, the level of risk to be taken and risk tolerance,
serta ketentuan regulator yang berlaku. Perseroan risk profile and applicable regulatory provisions. The
secara berkelanjutan melengkapi, menyempurnakan, Company continuously complements, refines, and updates
dan mengkinikan kebijakan dan prosedur Manajemen Risk Management policies and procedures to comply with
Risiko agar sesuai dengan perkembangan usaha dan business developments and Regulatory requirements.
ketentuan Regulator.
3. Kecukupan proses identifikasi, pengukuran, pengendalian 3. Adequacy of risk identification, measurement, control and
dan pemantauan risiko serta sistem informasi monitoring processes and risk management information
manajemen risiko. systems.
Arsitektur proses manajemen risiko Perseroan The Company’s risk management process architecture
menggunakan SNI ISO 31000:2018 (penerapan uses SNI ISO 31000:2018 (implementation of risk-based
manajemen risiko berbasis risiko) mulai dari prinsip risk management) starting from the principles used,
yang digunakan, framework dan standar proses framework and standard risk management processes.
manajemen risiko.
Pelaksanaan proses manajemen risiko Perseroan Implementation of the Company’s risk management
dilakukan sebagai berikut: process is carried out as follows:
a. Identifikasi Risiko a. Risk Identification
- Identifikasi risiko yang melekat pada kegiatan unit - Identification of risks inherent in work unit activities
kerja dilakukan oleh masing-masing pemilik risiko is carried out by each risk owner in coordination
(risk owner) berkoordinasi dengan masing-masing with each risk champion from each work unit to
risk champion dari masing-masing unit kerja dengan encourage work units to identify risks inherent in
tujuan untuk mendorong unit kerja mengidentifikasi their respective functions and mitigate the risks it
risiko yang melekat pada fungsi masing-masing dan faces;
melakukan mitigasi atas risiko yang dihadapinya;
- Menggunakan metode yang dapat berlaku untuk -Using a method that can be applied to all the
seluruh aktivitas Perseroan; Company’s activities;
- Hasil profil risiko dari setiap fungsi/unit kerja - The risk profile results of each function/work unit
didokumentasikan sebagai risk register. are documented as a risk register.
b. Pengukuran Risiko b. Risk Measurement
- Sistem pengukuran risiko digunakan untuk - The risk measurement system is used to measure
mengukur exposure risiko Perseroan sebagai acuan the Company’s risk exposure as a reference for
untuk melakukan pengendalian. Pengukuran risiko controlling. Risk measurement is carried out
dilakukan secara berkala terhadap aktivitas bisnis periodically on the Company’s business and
dan operasional Perseroan; operational activities.
- Setiap fungsi/unit kerja melakukan pengukuran - Each function/work unit measures each risk in the
setiap risiko di dalam risk register on Going Business risk register on Going Business quantitatively and
baik yang bersifat kuantitatif maupun kualitatif qualitatively regarding past trends and estimates
dengan mengacu pada kecenderungan yang of potential losses to the Company and appropriate
terjadi di masa lalu dan estimasi potensi kerugian assumptions to support accuracy and fairness.
Perusahaan serta asumsi yang sesuai untuk
mendukung akurasi dan kewajaran.
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c. Pengelolaan Risiko c. Risk Management
Pengendalian risiko dilakukan oleh Perseroan antara Risk control is carried out by the Company, among
lain dengan cara mekanisme lindung nilai, dan metode others, by means of hedging mechanisms and risk
mitigasi risiko. mitigation methods.
d. Pemantauan Risiko d. Risk Monitoring
- Perseroan melakukan pemantauan terhadap - The Company monitors the amount of risk exposure,
besarnya exposure risiko, toleransi risiko dan hasil risk tolerance and stress testing results regularly
stress testing secara berkala dan berkesinambungan and continuously by comparing the risks that arise
dengan membandingkan risiko yang muncul dengan with the established risk limits;
limit risiko yang telah ditetapkan;
- Pemantauan pelaksanaan mitigasi Risk Register - Monitoring the implementation of mitigation in
setiap fungsi/unit kerja disajikan dalam laporan the Risk Register for each function/work unit is
berkala setiap bulannya disertai dengan evidence presented in periodic monthly reports accompanied
pelaksanaan mitigasi. by evidence of mitigation implementation.
e. Sistem Informasi Manajemen Risiko e. Risk Management Information System
Dalam hal pengembangan infrastruktur sistem In terms of developing risk management information
informasi manajemen risiko, Perseroan telah memiliki system infrastructure, the Company has a web
Sistem Informasi Manajemen Risiko berbasis application-based Risk Management Information
Aplikasi Web. Adapun Aplikasi tersebut adalah Tugu System. The application is the Tugu Enterprise Risk
Enterprise Risk Management System (T-ERMS) yang Management System (T-ERMS) which is a system to
merupakan sebuah sistem untuk mendukung kegiatan support administrative risk management activities
administratif pengelolaan risiko mulai dari proses starting from the risk identification process, risk
identifikasi risiko, analisis risiko, monitoring risiko analysis, risk monitoring to submitting risk reports
sampai dengan penyampaian laporan risiko yang dapat which can be done easily and quickly.
dilakukan secara mudah dan cepat.
Perseroan telah memiliki sistem informasi manajemen The Company already has a risk management information
risiko yang antara lain diwujudkan dalam bentuk system which, among other things, is manifested in the
penyampaian Laporan sebagai berikut: form of Report submission as follows:
a. Pelaporan hasil assessment profil risiko perusahaan a. Reporting the results of the Company's risk profile
secara berkala; assessment regularly;
b. Pelaporan Tingkat Kesehatan Perseroan b. Risk-based Reporting of the Company’s
berbasis Risiko; Soundness Level;
c. Pelaporan Monitoring pelaksanaan mitigasi Top Risk c. Monitoring Report on implementing mitigation on the
Register on going business; Top Risk Register ongoing business;
d. Pelaporan Penyediaan Modal Minimum; d. Reporting of Minimum Capital Adequacy;
e. Pelaporan Pemantauan Risk Appetite Statement, Early e. Monitoring Reporting Risk Appetite Statement, Early
Warning System (Key Risk Indicator); Warning System (Key Risk Indicator);
f. Review limit risiko (rule rating) dalam penilaian faktor f. Reviewing the risk limit (rule rating) in assessing the
tingkat Kesehatan, yang mencakup Profil Risiko, Soundness level factor, which includes Risk Profile,
Rentabilitas dan permodalan serta penetapan Profitability and capital, and periodically determining
Risk Appetite dan Risk Tolerance Perusahaan the Company’s Risk Appetite and Risk Tolerance;
secara berkala;
g. Pencatatan dan pemutakhiran database untuk g. Recording and updating databases for potential and
potensial dan aktual kerugian Perusahaan; actual Company losses;
h. Uji pegendalian internal terhadap mitigasi risiko yang h. Test internal controls for planned risk mitigation;
telah direncanakan;
i. Rencana tindak lanjut manajemen. i. Management action plan.
4. Sistem Pengendalian Internal yang Menyeluruh 4. Comprehensive Internal Control System
Terselenggaranya sistem pengendalian internal Perseroan Implementing a reliable and effective internal control
yang handal dan efektif menjadi tanggungjawab dari system for the Company is the responsibility of all
seluruh satuan kerja operasional dan satuan kerja operational work units, support work units, and internal
pendukung serta satuan kerja audit intern. Perseroan audit work units. The Company implements an internal
melaksanakan sistem pengendalian internal dalam control system in implementing risk management by
penerapan manajemen risiko dengan menerapkan implementing Internal Control over Financial Reporting
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Internal Control over Financial Reporting (ICoFR) yang (IcoFR), a Risk Control Self Assessment (RCSA) in the
merupakan Risk Control Self Assessment (RCSA) pada financial reporting process to prevent and detect material
proses pelaporan keuangan untuk dapat mencegah dan misstatements promptly.
mendeteksi salah saji material secara tepat waktu.
Manajemen Keberlangsungan Usaha Business Continuity Management
Perseroan telah memiliki Kebijakan Manajemen Tugu Insurance has a Business Continuity Management
Keberlangsungan Usaha (Business Continuity Management) Policy which aims to ensure an emergency response,
yang bertujuan untuk meyakinkan tanggap darurat, usaha business continuity, and recovery processes in the
keberlangsungan, proses pemulihan pada kegiatan proses Company’s business processes are running according to
bisnis Perusahaan berjalan sesuai dengan perencanaan plan in the face of potential hazards, disasters, as well as
dalam menghadapi potensi bahaya, bencana (disaster), serta other extraordinary conditions or force majeure that has the
kondisi di luar normal lainnya atau keadaan kahar (force potential to disrupt operational activities.
majeure) yang berpotensi mengganggu kegiatan operasional.
Secara spesifik tujuan manajemen keberlangsungan usaha Specifically, the objectives of the Company’s business
Perusahaan adalah sebagai berikut: continuity management are as follows:
1. Memastikan perusahaan dapat terus beroperasi dengan 1. Ensuring that the Company can continue to operate
efektif selama terjadi gangguan dan selama masa effectively during disturbances and during the recovery
pemulihan terhadap gangguan yang timbul; period from disorders that arise;
2. Melindungi pemangku kepentingan, reputasi 2. Protecting stakeholders, reputation and business
dan kelangsungan bisnis dari dampak gangguan continuity from the impact of disturbances on
terhadap perusahaan; the Company;
3. Memastikan dampak gangguan tidak menginterupsi 3. Ensuring the impact of disruption continues the
strategi perusahaan dalam mencapai tujuan; Company’s strategy in achieving its goals;
4. Mengidentifikasikan sumber daya yang dibutuhkan untuk 4. Identify the resources needed for business continuity;
keberlangsungan bisnis;
5. Menyusun strategi pemulihan yang tepat; 5. Devise an appropriate recovery strategy;
6. Memastikan sumber daya yang dimiliki perusahaan dapat 6. Ensuring that the Company can manage the resources
dikelola kembali demi berjalannya business as usual; again to run the business as usual;
7. Meningkatkan kesadaran kepada pegawai akan 7. Increase employee awareness of the importance of the
pentingnya keberlangsungan bisnis perusahaan. Company’s business continuity.
Kebijakan Antikorupsi dan Gratifikasi Anti-Corruption and Gratification Policy
Perseroan telah menerapkan kebijakan antikorupsi dan The Company has implemented an anti-corruption and
gratifikasi. Gratifikasi di lingkungan Tugu Insurance memiliki gratification policy. The definition of gratification in the
arti yang luas, yakni meliputi pemberian atau penerimaan Tugu Insurance environment has an extensive meaning
hadiah/cinderamata dan hiburan/entertainment kepada which incorporates giving or receiving gifts/souvenirs and
Insan Tugu baik yang diterima di dalam negeri maupun entertainment for the Tugu Personnel, both those received
di luar negeri dan yang dilakukan dengan menggunakan domestically and abroad and carried out using electronic
sarana elektronik dan/atau tanpa melalui sarana elektronik. means or without using any electronic means. Gratifications
Gratifikasi menjadi salah satu perhatian khusus Perseroan are one of the Company’s particular concerns, given that
mengingat sifatnya yang mengarah pada tindak pidana their nature could lead to bribery and/or corruption and
suap dan atau tindak pidana korupsi yang mengakibatkan result in catastrophic losses to Tugu Insurance.
kerugian fatal terhadap eksistensi Tugu Insurance.
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Pedoman Gratifikasi Gratification Guidelines
Perseroan memberikan panduan yang jelas bagi seluruh The Company provides clear guidelines for all Tugu personnel
Insan Tugu dalam hal penerimaan dan/atau pemberian in terms of receiving and/or giving gratuities to avoid
gratifikasi untuk menghindari peluang terjadinya tindak opportunities for bribery to occur. The Guidelines were then
pidana suap. Panduan tersebut tertuang dalam Surat stipulated on 1 July 2014, by the Board of Directors Decision
Keputusan Direksi No. 018/SKD/TPI/VII/2014 yang Letter (“SKD”) No. 018/SKD/TPI/VII/2014, which has been
ditetapkan pada 1 Juli 2014, yang telah disempurnakan dan refined and updated with Guideline No. A-008/9100/2017
dimutakhirkan dengan Pedoman No. A-008/9100/2017 1st Revision dated 5 December 2017, enforced through
Revisi Ke-1 tanggal 5 Desember 2017, yang diberlakukan SKD No. 011/SKD/CSG/TPI/II/2018 dated 7 February
melalui SKD No. 011/SKD/CSG/TPI/II/2018 tanggal 7 2018, regarding the Gratification Guidelines for PT Tugu
Februari 2018 mengenai Pedoman Gratifikasi PT Tugu Pratama Indonesia. It also has been revitalized through
Pratama Indonesia dan telah dilakukan revitalisasi melalui SKD No. 65/SKD/06/ ERL-ATPI/VIII/2021 stipulated on
SKD No. 65/SKD/06/ERL-ATPI/VIII/2021 ditetapkan 31 August 2021, regarding Guidelines for Gratification
tanggal 31 Agustus 2021 mengenai Pedoman Pengendalian Control No. A-001/6500/2021 2nd Revision dated 19 July
Gratifikasi No. A-001/6500/2021 Revisi ke-2 tertanggal 19 2021. One of the objectives of this Guideline is to establish
Juli 2021. Pedoman ini bertujuan membentuk lingkungan a cognisant and controlled organisational environment in
organisasi yang sadar dan terkendali dalam penanganan handling Gratification practices to actualise the principles
praktik Gratifikasi untuk mewujudkan prinsip keterbukaan of transparency and accountability in carrying out daily
dan akuntabilitas dalam menjalankan kegiatan operasional operational and business activities.
dan bisnis sehari-hari.
Strategi Anti-Fraud dan Whistleblowing System Anti-Fraud Strategy and Whistleblowing System
(WBS) (WBS)
Sebagai salah satu wujud komitmen dalam pengelolaan As a manifestation of its commitment in managing fraud
risiko fraud di Perusahaan, Manajemen Tugu Insurance risk within the Company, Tugu Insurance’s Management
mengimplementasikan strategi anti-fraud, yang didukung implements anti-fraud strategy, that is supported by a
dengan Whistleblowing System (WBS). Strategi anti-fraud Whiste Blowing System (WBS). The anti-fraud strategy
disusun berdasarkan Surat Edaran Otoritas Jasa Keuangan was made based on the Financial Services Authority
No. 46/SEOJK.05/2017 tentang Pengendalian Fraud, Circular Letter No. 46/SEOJK.05/2017 concerning Fraud
Penerapan Strategi Anti-Fraud, dan Laporan Strategi Anti- Control, Implementation of Anti-Fraud Strategies, and Anti-
Fraud bagi Perusahaan Asuransi, Perusahaan Asuransi Fraud Strategy Reports for Insurance Companies, Sharia
Syariah, Perusahaan Reasuransi, Perusahaan Reasuransi Insurance Companies, Reinsurance Companies, Reinsurance
Syariah, atau Unit Syariah. Strategi Anti-Fraud meliputi: Companies Sharia, or Sharia Unit. The Anti-Fraud Strategy
includes:
1. Pencegahan; 1. Prevention;
2. Deteksi; 2. Detection;
3. Investigasi, pelaporan, dan sanksi; 3. Investigation, reporting and sanctions;
4. Pemantauan, evaluasi dan tindak lanjut; dan 4. Monitoring, evaluation and follow-up; and
5. Whistleblowing System (WBS). 5. Whistleblowing System (WBS).
Perusahaan senantiasa berupaya meningkatkan awareness The company has attempted to increase awareness on
atas pencegahan fraud diantaranya melalui sosialisasi WBS fraud prevention and WBS socialization to all employees
kepada seluruh pekerja di lingkungan TUGU Group melalui within TUGU Group by setting up banners at several located
pemasangan banner di beberapa lokasi di Wisma Tugu I, in Wisma Tugu I, broadcasting emails about Anti-Fraud,
pengiriman email broadcast mengenai Anti-Fraud kepada and facilitating socialization about Anti-Fraud & WBS to all
seluruh karyawan, serta pelaksanaan sosialisasi Anti-Fraud employees within TUGU Group.
& WBS kepada seluruh pekerja di TUGU Group.
Tugu Insurance juga telah menyediakan sarana untuk Tugu Insurance has also provided a channels to report any
menyampaikan pengaduan atas pelanggaran yang terjadi di violations that occur within Tugu Insurance, such as violation
lingkungan Tugu Insurance, seperti pelanggaran atas kode on the code of conduct, violation on corporate governance,
etik, pelanggaran atas tata kelola perusahaan, serta fraud and fraud which could potentially impact the Company’s
yang berpotensi memberikan dampak terhadap profitabilitas profitability.
Perusahaan.
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Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Para karyawan Tugu Insurance yang mengetahui atau Tugu Insurance employees who know or have information of
memiliki informasi adanya indikasi pelanggaran kode etik any strong indications of violations on the code of conduct
dan tata kelola, kebijakan prosedur atau aturan lainnya dapat and governance, procedural policies or other rules can report
melaporkannya melalui saluran WBS sebagai berikut: it through the WBS channels, as follows:
Pelaporan Tim penanganan Apabila hasil Direksi/Dewan
melalui email Pelaporan penelaahan Komisaris
clean1@tugu. Pelanggaran menunjukan menindaklanjuti
com dan menelaah laporan adanya indikasi pelaporan
clean2@tugu.com yang masuk. pelanggaran, pelanggaran yang
atau surat ke pelaporan memerlukan
The Whistleblowing
Direksi/Dewan handling team reviews
disampaikan ke pendalaman lebih
Komisaris. the incoming reports Direksi/Dewan lanjut melalui
Komisaris. Komite Audit untuk
Reporting via
email through
dilakukan audit
If the review results
clean1@tugu.com and in an indication of
khusus/investigasi.
clean2@tugu.com, or violation, the report is
Follow-up on violations
letter addressed to the submitted to the Board
reporting that required
Board of Directors/Board of Directors/ Board of
deeper investigation by
of Commissioners. Commissioners.
the Board of Directors/
Board of Commissioners
through special audits/
investigations carried out
by the Audit Committee.
Ruang lingkup pelaporan yang dapat ditindaklanjuti adalah The scope of reports that can be followed up are corruption,
korupsi, suap, gratifikasi, benturan kepentingan, pencurian, bribery, gratuities, conflicts of interest, theft, fraud, as well as
kecurangan, serta pelanggaran hukum dan peraturan violation of laws and Company regulations. The report will be
Perusahaan. Laporan ini nantinya akan diterima oleh Tim handled by Tugu Insurance WBS Report Handling Team.
Penanganan Pelaporan Pelanggaran Tugu Insurance.
Setiap Karyawan Tugu Insurance berkewajiban melaporkan Every Tugu Insurance employee is obliged to report any
tindakan yang terindikasi korupsi dan gratifikasi sebagai indications ofcorruption and gratification as form of their
bentuk dari partisipasinya dalam menjaga Perusahaan. participation in protecting the Company. Whistleblowers will
Pelapor akan dilindungi kerahasiaan identitasnya. have their identity protected.
Tim Penanganan Pelaporan Pelanggaran akan melakukan The WBS Report Handling Team will follow up the WBS report
tindak lanjut laporan pengaduan sesuai dengan mekanisme based on with the applicable mechanism.
yang berlaku.
Kepatuhan terhadap Hukum dan Peraturan Compliance with Laws and Regulations
Penerapan terhadap praktik tata kelola yang baik, menjadi Implementation of good governance practices is Tugu
komitmen Tugu Insurance dalam mengelola bisnis Insurance’s commitment to managing the insurance
perasuransian. Hal ini sekaligus untuk memastikan business. This is simultaneously ensuring the Company’s
kepatuhan Perseroan terhadap hukum dan peraturan yang compliance with applicable laws and regulations, overseeing
berlaku, mengawal pencapaian target kinerja perusahaan, the achievement of company performance targets,
menjaga kepercayaan pemangku kepentingan dan memenuhi maintaining stakeholder trust and meeting shareholder
106 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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harapan pemegang saham. Selama tahun 2023, tidak expectations. During 2022, there were no violations or terdapat pelanggaran dan ketidakpatuhan Perseroan non-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 issues and enforces various policy commitments governing memberlakukan berbagai komitmen kebijakan yang mengatur responsible business behavior that respects human tentang perilaku bisnis yang bertanggung jawab, perilaku rights and operational policies on business relations with bisnis yang menghormati hak asasi manusia dan kebijakan stakeholders. [GRI 2-23] operasional hubungan bisnis dengan pemangku kepentingan. [GRI 2-23] Komitmen terhadap kebijakan diberlakukan bagi seluruh Commitment to the policy applies to all Tugu Personnel, Insan Tugu baik Dewan Komisaris, Direksi, organ pendukung including the Board of Commissioners, Directors, governance tata kelola maupun karyawan. Perseroan menunjuk support organs and employees. The Company appoints penanggungjawab penerapan kebijakan di berbagai level the person in charge of implementing policies at various struktur perusahaan sesuai dengan tingkat kewenangan yang levels of the corporate structure according to their authority dimiliki. Proses pelaksanaan komitmen dimulai dari integrasi level. The commitment implementation process begins komitmen ke dalam strategi, kebijakan operasional, standar with integrating commitments into strategy, operational dan prosedur operasional. Selanjutnya, Perseroan melakukan guidelines, standards, and procedures. Furthermore, the sosialisasi dan pelatihan komitmen kebijakan kepada Company conducts policy commitment outreach and training seluruh karyawan. Secara berkala, Perseroan melakukan to all employees. Periodically, the Company evaluates evaluasi atas penerapan komitmen kebijakan untuk the implementation of policy commitments for future perbaikan kedepan, termasuk dampak yang ditimbulkan. improvements, including the impacts. [GRI 2-24, 2-25] [GRI 2-24, 2-25] Sementara itu, untuk mendapatkan hasil perbaikan yang Meanwhile, to obtain maximum improvement results, maksimal, Perseroan menyediakan saluran/mekanisme the Company provides channels/mechanisms for pengaduan/saran masukan dari pemangku kepentingan complaints/ suggestions for input from stakeholders, such seperti: kotak saran, media pengaduan pelanggaran as a suggestion box, media for complaints of violations (whistleblowing system) dan saluran lainnya. [GRI 2-26] (whistleblowing system) and other channels. [GRI 2-26] Hubungan dengan Pemangku Kepentingan [OJK E.4 ] Relations with Stakeholders [OJK E.4] [GRI 2-29] Pengelolaan bisnis perasuransian tidak dapat dilepaskan The existence of stakeholders is significant for the dari keterlibatan pemangku kepentingan. Hal ini karena smooth running of the Company’s business processes. pemangku kepentingan sebagai pihak yang dapat This is because stakeholders can influence the course mempengaruhi jalannya aktivitas operasional atau terkena of operational activities or be affected by the Company. dampak dari Perseroan. Secara strategis, pemangku Strategically, stakeholders participate in developing the kepentingan turut mengembangkan Perseroan dan Company and influencing the Company’s performance. mempengaruhi performa Perseroan. Karena itu, Tugu Therefore, Tugu Insurance always tries to build harmonious Insurance senantiasa berusaha membangun hubungan yang relationships with stakeholders. harmonis dengan para pemangku kepentingan. Perseroan telah melakukan pendekatan secara khusus The Company has determined stakeholders through a melalui kegiatan Focus Group Discussion dalam Focus Group Discussion (FGD) on 14 December 2021 to mengidentifikasi para pemangku kepentingan. FGD tersebut identify stakeholders. The FGD is part of deciding material sebagai bagian dalam proses penentuan topik material untuk topics for disclosing information in this sustainability pengungkapan informasi pada laporan keberlanjutan ini. Dari report. From the analysis process, the Company has proses analisis tersebut, Perseroan telah mengidentifikasi identified various stakeholders and grouped them into main berbagai pemangku kepentingan dan mengelompokkannya stakeholder groups, namely: 1) Customers; 2) Shareholders; ke dalam kelompok pemangku kepentingan utama, yakni: 1) 3) Employees; 4) Government and Regulators; and 5) Pelanggan; 2) Pemegang Saham; 3) Pekerja; 4) Pemerintah Community and Environment. dan Regulator; dan 5) Masyarakat dan Lingkungan. PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 107
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Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Tabel berikut ini menjelaskan hubungan dan interaksi dengan The following table describes the relationships and
para pemangku kepentingan: interactions with stakeholders:
Metode
Basis Pelibatan/ Frekuensi
Pemangku
Penetapan Komunikasi Pertemuan Topik
Kepentingan
Basis of Involvement/ Meeting Topics
Stakeholders
Determination Communication Frequency
Method
Pelanggan • Ketergantungan • Website dan • Sesuai kebutuhan • Kemudahaan akses informasi & Jaringan
Customer • Pengaruh Customer Service • Sesuai kebutuhan • Kecepatan dan kemudahan proses klaim
• Dependency • Survei Kepuasan • 2 (dua) tahun sekali • Kejelasan benefit produk
• Influence Pelanggan • According to the • Ketersediaan fitur & platform aplikasi/layanan
• Customer needs • Kecepatan dan kemudahan pembelian asuransi
satisfaction survey • According to the • Ketersediaan fasilitas layanan penunjang
needs • Ease of access to information & networks
• Once every 2 (two) • Speed and ease of claim process
years • Clarity of product benefits
• Availability of app/service features & platform
• Speed and ease of purchasing insurance
• Availability of supporting service facilities
Pemegang • Perwakilan • Pelaporan Kinerja • Setiap kuartal, • Kinerja perusahaan
Saham • Pengaruh • RUPS Semesteran, • Ketersediaan informasi yang up to date
Shareholders • Representative • Performance Tahunan • Keterbukaan informasi
• Influence Reporting • 1 (satu) kali • Company performance
• GMS setahun • Availability of up-to-date information
• Quarterly, • Disclosure of information
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/layanan
• Influence • Internal media • Pengembangan kompetensi
• Worker’s aspiration • Kesetaraan gender
box • Kesehatan, keselamatan kerja
• Internal Events • Performance assessment
• Awards and appreciation for performance
• Employee participation in policies/services
• Competency development
• Gender equality
• Work Health and Safety
Pemerintah dan • Perwakilan • Pelaporan Kinerja Sesuai kebutuhan Kepatuhan peraturan
Regulator • Pengaruh • Kepatuhan As needed Regulatory compliance
Government and • Representative terhadap peraturan
Regulator • Influence perundangan
• Performance
Reporting
• Compliance
with laws and
regulations
Masyarakat dan Ketergantungan • Program bekerja Sesuai kebutuhan • Bantuan sosial kemasyarakatan
Lingkungan Pengaruh dan belajar As needed • Keterbukaan informasi
Community and • Dependency Mahasiswa • Bantuan Kesehatan pada masa Pandemi
Environment • Influence • Program Bakti COVID-19
TUGU • Pelestarian alam
• Student work and • Social assistance
study program • Disclosure of information
• Bakti TUGU • Health Assistance during the COVID-19 Pandemic
Program • Nature conservation
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Permasalahan dan Pengaruhnya Terhadap Penerapan Keuangan Berkelanjutan [OJK E.5] Issues and their Effects on Sustainable Finance Implementation [OJK E.5] Perseroan berkomitmen untuk berpartisipasi aktif The Company is committed to actively participating in baik dalam kegiatan pencapaian Tujuan Pembangunan both activities to achieve the Sustainable Development Berkelanjutan (SDGs) maupun keuangan berkelanjutan yang Goals (SDGs) and sustainable finance that prioritizes ESG mengedepankan prinsip ESG. Hal ini sebagai bagian dari principles. However, it cannot be separated from constraints tanggung jawab entitas usaha terhadap keberlanjutan masa and obstacles in practice. Based on the identification depan. Namun demikian, dalam pelaksanaannya tidak dapat results, there are problems encountered in implementing dilepaskan dari kendala dan hambatan. Berdasarkan hasil sustainable activities, including: identifikasi, terdapat permasalahan yang dihadapi dalam penerapan kegiatan berkelanjutan antara lain: 1. Penerapan kegiatan keuangan berkelanjutan guna 1. Implementation of sustainable financial activities for pemahaman karyawan; employee understanding; 2. Pengimplementasian kegiatan keuangan berkelanjutan 2. Implementing sustainable financial activities untuk karyawan; for employees; 3. Tingkat/indeks literasi keuangan dan inklusi nasional. 3. National financial literacy and inclusion level/index. Terhadap permasalahan-permasalahan tersebut, Perseroan The Company has endeavoured to resolve existing problems telah mengupayakan penyelesaian terbaik sehingga tidak so that they do not impact or influence the implementation of berdampak atau berpengaruh terhadap penerapan kegiatan sustainable financial activities. keuangan berkelanjutan. Upaya-upaya yang telah dirumuskan dan dilakukan perseroan The efforts that have been formulated and carried out by the antara lain: Company include the following: 1. Target utama perseroan ialah proses internalisasi 1. The Company's main target the process of internalizing konsep dan praktik Keuangan berkelanjutan melalui the concepts and practices of Sustainable Finance penyebarluasan pengetahuan dan kesadaran akan through disseminating knowledge and awareness of the pentingnya penerapan Keuangan Berkelanjutan kepada importance of implementing Sustainable Finance to all seluruh karyawan perusahaan; Company employees; 2. Aktif berpartisipas dan mengikutsertakan karyawan dalam 2. Actively participate and involve employees in various berbagai pelatihan terkait Keuangan Berkelanjutan; trainings related to Sustainable Finance; 3. Aktif berpartisipasi dalam memberikan literasi dan inklusi 3. Actively participating in providing financial literacy and keuangan kepada masyarakat umum. inclusion to the general public. Kegiatan Membangun Budaya Keberlanjutan [OJK F.1] Activities to Build Sustainability Culture [OJK F.1] Menjaga Etika dan Integritas Maintaining Ethics and Integrity Penerapan etika dan budaya integritas merupakan kewajiban Tugu Personnel must adopt ethical behaviour and a culture setiap Insan Tugu demi terwujudnya karyawan yang of integrity to create dignified employees. Not only are the bermartabat. Tidak hanya mematuhi undang-undang yang Tugu Personnel required to comply with applicable laws, berlaku, setiap Insan Tugu diwajibkan untuk mengikuti norma- but also, they are required to follow international business norma bisnis internasional. Etika dan budaya integritas ini norms. Ethics and a culture of integrity play a significant berperan penting dalam mengembangkan Perseroan untuk role in developing the Company for the long term. The jangka panjang. Kode etik Tugu Insurance tertuang dalam Code of Conduct of Tugu Insurance is covered in the Code suatu pedoman berdasarkan Surat Keputusan Direksi of Business Ethics, and the Code of Conduct has been Tugu Insurance No. 03/SKD/CSG- TPI/I/2009 tanggal 15 approved based on Tugu Insurance Board of Directors Januari 2009 dan telah dimutakhirkan dengan Pedoman Decision Letter (SKD) No. 03/SKD/CSGTPI/I/2009 dated No. A-003/9100/2017 Revisi Ke-1 Tanggal 5 Desember 15 January 2009, and has been updated with Guideline 2017 yang diberlakukan dengan SKD No. 007/SKD/CSG/ No. A-003/9100/2017 1st Revision dated 5 December TPI/II/2018 Tanggal 7 Februari 2018 tentang Penerbitan 2017, enforced by SKD No. 007/ SKD/CSG/TPI/II/2018 Pedoman Sistematika Etika Usaha dan Tata Perilaku (Code of and dated 7 February 2018, concerning the Issuance of the PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 109
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Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Conducts atau CoC) Tugu Insurance. Kemudian diperbaharui Tugu Insurance Systematic Guidelines for Business Ethics
kembali melalui Pedoman No. A-003/6500/2021 Revisi and Code of Conduct (CoC). Moreover, it was updated again
Ke-2 yang diberlakukan dengan SKD No. 67/SKD/06/ERL- through Guideline No. A-003/6500/2021 2nd Revision
ATPI/IX/2021 tentang Perubahan Pedoman CoC. enforced by SKD No. 67/SKD/06/ERL-ATPI/IX/2021
regarding Changes to CoC Guidelines.
Pedoman ini menjadi panduan bagi setiap Insan Tugu dalam This guideline is a code of conduct for the Board of
menjalankan tugas dan tanggung jawabnya guna mencapai Commissioners, Board of Directors, and all of Tugu Personnel
visi, misi dan tujuan Perseroan. CoC wajib diaplikasikan in managing the Company to achieve the Company’s vision,
oleh seluruh Insan Tugu. Dalam pelaksanaan perwujudan mission, and objectives. The CoC is required to be applied by
komitmen penerapan Pedoman Perilaku ini, Insan Tugu all Tugu Personnel. In implementing their commitment to the
diwajibkan untuk menandatangani pernyataan kepatuhan Code of Conduct, the Tugu Personnel must sign a statement
dan integritas terhadap CoC. Perseroan telah menjelaskan of compliance and integrity with the CoC. The Company has
perihal etika dan integritas secara mendalam di dalam explained matters of ethics and integrity in depth in the
Laporan Tahunan 2023. 2023 Annual Report.
Membangun Budaya Keberlanjutan Building Sustainability Culture
Internalisasi budaya Perseroan akan membentuk karakter The corporate culture, which is rooted in the character
Insan Tugu yang bertanggung jawab dan berintegritas dalam of Tugu Personnel, is believed to strengthen business
mengelola perusahaan sesuai prinsip-prinsip GCG dan management according to GCG and ethical principles to
beretika, sehingga mampu memenuhi hak-hak pemangku fulfil the rights of stakeholders and shareholders. Tugu
kepentingan dan pemegang saham. Tugu Insurance Insurance establishes and disseminates a code of ethics in
menetapkan dan mensosialisasikan kode etik sesuai accordance with the Company’s values to build a culture of
dengan nilai-nilai Perseroan dalam rangka membangun sustainability.
budaya keberlanjutan.
Tugu Insurance telah melakukan beberapa program dalam Tugu Insurance has carried out several programs to build
rangka membangun budaya Perseroan sesuai dengan kode a corporate culture in accordance with the code of ethics.
etik. Berikut beberapa program yang dilaksanakan selama Following are some of the programs implemented during
tahun 2023, yaitu: 2023, namely:
Nama Seminar Tanggal Pelaksanaan
No
Name of Seminar Date
Implementasi SMAP dalam Menunjang Kegiatan Operasional Perusahaan 8 Juni 2023
1.
Implementation of SMAP to Support Company Operational Activities 8 June 2023
UU Pelindungan Data Pribadi 21 November 2023
2.
Personal Data Protection Law 21 November 2023
APU, PPT & PPPSPM di Sektor Jasa Keuangan Berbasis POJK No. 8 Tahun 2023 12 Desember 2023
3.
APU, PPT & PPPSPM in the Financial Services Sector, Based on POJK No. 8 of 2023 12 December 2023
Penegakan dan sanksi pelanggaran terhadap kode etik Enforcement and sanctions for violations of the code
sebagai upaya mendukung efektivitas penerapan tata kelola of ethics to support the effectiveness of implementing
Perseroan dengan sarana pelaporan dalam Whistleblowing corporate governance through reporting in the Whistleblowing
System (WBS). Hal ini bertujuan untuk melakukan deteksi System (WBS). This aims to carry out early detection in the
dini di internal perusahaan. Mekanisme pelaporan Company’s internal mechanism for reporting violations of the
pelanggaran kode etik sebagaimana diatur dalam WBS. code of ethics as regulated in the WBS.
110 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Konflik Kepentingan Conflict of Interest
Pedoman Sistematika Etika Usaha dan Tata Perilaku menjadi The code of conduct is a code of conduct that serves
acuan bagi Perseroan dan Insan Tugu dalam menerapkan as a reference for company organs and Tugu Personnel
nilai-nilai perusahaan, secara berkelanjutan sehingga in implementing company values, which, if implemented
menjadi budaya perusahaan. Kode Etik Tugu Insurance sustainably, will become a corporate culture. The Tugu
tertuang dalam Pedoman Sistematika Etika Usaha dan Insurance Code of Conduct is contained in Code of Conduct,
Tata Perilaku yang disahkan berdasarkan Surat Keputusan which was ratified based on the Board of Directors Decision
Direksi (SKD) PT Tugu Pratama Indonesia No. 03/SKD/ Letter (SKD) of PT Tugu Pratama Indonesia No. 03/SKD/
CSG-TPI/I/2009 tanggal 15 Januari 2009, dan telah CSG-TPI/I/2009 dated 15 January 2009, and was updated
dimutakhirkan pada Revisi Ke-2 Tanggal 25 Agustus 2021 in the 2nd Revision on 25 August 2021, which was enforced
yang diberlakukan dengan SKD No. 67/SKD/06/ERL-ATPI/ by SKD No. 67/ SKD/06/ERL-ATPI/IX/20121 28 September
IX/20121 Tanggal 28 September 2021 tentang Perubahan 2021, concerning Amendments to the Code of Conduct or
Pedoman Sistematika Etika Usaha dan Tata Perilaku (Code of CoC of PT Asuransi Tugu Pratama Indonesia Tbk.
Conduct atau CoC) PT Asuransi Tugu Pratama Indonesia Tbk.
Pedoman Sistematika Etika Usaha dan Tata Perilaku telah The Code of Conduct have regulated conflicts of interest and
mengatur mengenai konflik kepentingan dan penyalahgunaan abuse of office. In addition, the Company has also issued
jabatan. Selain itu, Perseroan juga telah menerbitkan Conflict of Interest (COI) Guidelines which were approved
Pedoman Konflik Kepentingan/Conflict of Interest (COI) yang based on the Decree of the Directors (SKD) of PT Tugu
disahkan berdasarkan Surat Keputusan Direksi (SKD) Pratama Indonesia No. 010/SKD/CSG/TPI/II/2018 dated
PT Tugu Pratama Indonesia No. 010/SKD/CSG/TPI/II/2018 7 February 2018 and has been updated in the 2nd Revision
tanggal 7 Februari 2018 dan telah dimutakhirkan pada dated 28 December 2021 which is enforced with SKD No.
Revisi Ke-2 tanggal 28 Desember 2021 yang diberlakukan 71/SKD/06/ERL-ATPI/XII/2021 concerning Changes to the
dengan SKD No. 71/SKD/06/ERL-ATPI/XII/2021 tentang Conflict of Interest (COI) Guidelines for
Perubahan Pedoman Konflik Kepentingan/Conflict of Interest PT Asuransi Tugu Pratama Indonesia Tbk.
(COI) PT Asuransi Tugu Pratama Indonesia Tbk.
Perseroan telah menjelaskan pembagian tegas antara The Company has clarified the clear division between
kepentingan pribadi dan kepentingan korporasi serta personal and corporate interests and avoided any situation
menghindari situasi apa pun yang dapat mengakibatkan atau that could result in or be considered a conflict of interest
dianggap sebagai konflik kepentingan antara kepentingan between corporate and private interests. This applies
korporasi dan pribadi. Hal ini berlaku untuk semua anggota to all members of the Board of Directors and Board of
Direksi dan Dewan Komisaris. Hubungan afiliasi antara Commissioners. Affiliation relationships between members
anggota Direksi, Dewan Komisaris, dan pemegang saham of the Board of Directors, Board of Commissioners and
pengendali dijelaskan dalam Laporan Tahunan. [GRI 2-15] controlling shareholders are explained in the Annual Report.
[GRI 2-15]
Sementara itu, untuk mencegah dan menghindari adanya In addition, to prevent and avoid conflicts of interest,
konflik kepentingan, Perseroan mendorong dan menyediakan the Company encourages and provides communication
sarana komunikasi (mekanisme pengaduan) terkait facilities (complaint mechanisms) regarding issues
permasalahan yang dianggap penting bagi Tugu Insurance. considered important to Tugu Insurance. These essential
Permasalahan penting tersebut dapat meliputi masalah issues may include potential and actual adverse impacts
tentang dampak negatif potensial dan aktual terhadap on the Company, its stakeholders and shareholders. The
Perseroan, pemangku kepentingan dan pemegang saham. communication channels provided by the Company are
Saluran komunikasi yang disediakan Perseroan berupa violation complaint channels (WBS), customer complaint
Saluran Pengaduan Pelanggaran (WBS), saluran keluhan channels, internal communication channels such as
pelanggan, saluran komunikasi internal seperti rapat-rapat coordination meetings, and other official channels such as
koordinasi, saluran resmi lainnya seperti email dan lain-lain. email and others. [GRI 2-16]
[GRI 2-16]
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 111
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
07
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Kinerja
Keberlanjutan
Sustainability Performance
112 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 113
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Kinerja Keberlanjutan – Aspek Ekonomi
Sustainability Performance – Economic Aspect
Tugu Insurance
berkarya dan
berusaha
dengan prinsip
keberlanjutan untuk
kontribusi terhadap
perekonomian
bangsa dan tujuan
pembangunan
berkelanjutan.
Tugu Insurance works
and strives with
sustainability principles
to contribute to the
Program Mangrove untuk Jakarta bersama Yayasan Konservasi Alam Nusantara di Suaka Margasatwa Muara Angke, Pantai Indah nation's economy and
Kapuk, Jakarta Utara sustainable development
Mangroves for Jakarta program with Yayasan Konservasi Alam Nusantara at Muara Angke Wildlife Sanctuary, Pantai Indah Kapuk,
North Jakarta goals.
Keunggulan pada kinerja ekonomi Perseroan, dapat Excellence in the Company's economic performance can
mendorong Tugu Insurance mengoptimalkan nilai encourage Tugu Insurance to optimize Company value in a
perusahaan secara berkelanjutan. Sebagai bagian dari sustainable manner. As part of the insurance industry, Tugu
industri perasuransian, Tugu Insurance juga mendukung Insurance also supports the nation's economy by collecting
ekonomi bangsa melalui penghimpunan dana jangka panjang large amounts of long-term funds which are then used
dalam jumlah besar yang selanjutnya digunakan sebagai as development funds and economic drivers. In addition,
dana pembangunan dan penggerak ekonomi. Di samping Tugu Insurance's important role is to provide protection
itu, peran penting Tugu Insurance adalah memberikan for infrastructure development in various regions, as well
perlindungan bagi pembangunan infrastruktur di berbagai as supporting corporate business development, which of
daerah, serta mendukung pengembangan bisnis korporasi course, improves the country's economy both through taxes
yang tentunya meningkatkan perekonomian negara baik to the Government and dividends to shareholders.
melalui pajak kepada Pemerintah dan deviden kepada
pemegang saham.
Keberhasilan kinerja keuangan menjadi fokus Perseroan Successful financial performance is the Company's focus as
sebagai salah satu indikator pengelolaan usaha yang an indicator of successful business management. For this
berhasil. Untuk itu, pembahasan topik kinerja ekonomi reason, the discussion of the topic of economic performance
dan dampaknya pada periode pelaporan ini mencakup and its impact in this reporting period includes information
informasi berkaitan nilai ekonomi langsung yang dihasilkan related to direct economic value generated and distributed
dan disitribusikan (GRI 201-1), implikasi finansial dan risiko (GRI 201-1), financial implications and risks of climate
perubahan iklim (GRI 201-2), kewajiban imbalan pasti dan change (GRI 201-2), defined benefit obligations and other
program pensiun lainnya (GRI 201-3) dan bantuan finansial pension programs (GRI 201-3) and financial assistance
yang diterima dari pemerintah (GRI 201-4). [GRI 3-1] received from the government (GRI 201-4). [GRI 3-1]
114 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Dalam rangka memastikan pertumbuhan kinerja yang To ensure measurable performance growth, Tugu Insurance
terukur, Tugu Insurance telah menetapkan target dan strategi has set targets and achievement strategies by considering
pencapaiannya dengan mempertimbangkan tantangan- business challenges during the pandemic, as well as
tantangan bisnis selama masa pandemi, sekaligus potential opportunities that exist. All targets and strategies
potensi peluang yang ada. Semua target dan strategi telah have been formulated in the 2023 Company Work Plan and
dirumuskan dalam Rencana Kerja Dan Anggaran Perusahaan Budget (RKAP) and Key Performance Indicators (KPI). The
(RKAP) 2023 dan Key Performance Indicators (KPI). Proses process of preparing the RKAP refers to the Company's
penyusunan RKAP mengacu pada Rencana Jangka Panjang Long-Term Plan (RJPP), the Company's Vision, Mission and
Perusahaan (RJPP), Visi, Misi, dan Tujuan Perseroan untuk Goals to ensure business sustainability by involving all other
memastikan keberlanjutan usaha dengan melibatkan seluruh work units and employees. The Company focuses on efforts
unit kerja lain dan karyawan. Perseroan fokus terhadap to increase productivity and restore performance through
upaya meningkatkan produktivitas dan pemulihan kinerja strategic initiative programs. [GRI 3-2]
melalui program inisiatif strategis. [GRI 3-2]
Secara berkala baik bulanan, triwulanan, semesteran dan Periodically, either monthly, quarterly, semi-annually and
tahunan, Perseroan melakukan pemantauan dan evaluasi annually, the Company monitors and evaluates the realization
terhadap realisasi pencapaian target dan pelaksanaan of target achievements and implementation of established
strategi yang telah ditetapkan. Proses evaluasi terhadap strategies. The evaluation process for target achievement
pencapaian target dilakukan berjenjang mulai dari unit kerja is carried out in stages starting from the work unit to the
sampai pada level direktorat. Hasil pemantauan dan evaluasi directorate level. The results of monitoring and evaluation
tersebut menjadi masukan untuk menilai pencapaian kinerja become input for assessing the Company's performance
Perseroan dan perbaikan strategi di masa yang akan datang. achievements and improving strategies in the future.
[GRI 3-3] [GRI 3-3]
Kinerja laporan laba rugi dan Penghasilan Komprehensif lain Konsolidasian (Dalam Jutaan Rupiah)
Consolidated performance of profit and loss report and other comprehensive income (in millions IDR)
Keterangan
2023 2022 2021
Description
Pendapatan Asuransi dan Reasuransi
Insurance and Reinsurance Revenues
Premi Bruto
7.709.524 6.705.580 5.986.273
Gross Premium
Premi Reasuransi dan Retrosesi
(4.368.028) (3.518.923) (3.298.343)
Reinsurance and Retrocession Premium
Perubahan Premi yang Belum Merupakan Pendapatan dan Liabilitas Manfaat
Polis Masa Depan
(711.845) (74.293) 28.102
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
450.281 (267.439) (47.256)
Changes in Reinsurance Assets of Unearned Premium Reserves and Liabilities
for Future Policy Benefits
Pendapatan Premi. Neto
3.079.932 2.844.925 2.668.776
Premium Income, Net
Pendapatan (Beban) Komisi Neto
(470.368) (502.133) (544.548)
Commission (Expense) Income Net
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 115
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Kinerja laporan laba rugi dan Penghasilan Komprehensif lain Konsolidasian (Dalam Jutaan Rupiah)
Consolidated performance of profit and loss report and other comprehensive income (in millions IDR)
Keterangan
2023 2022 2021
Description
Total Pendapatan Underwriting
2.609.564 2.342.792 2.124.227
Total Underwriting Revenues
Pendapatan Investasi
579.830 352.391 374.065
Investment Income
Pendapatan Usaha Lainnya
402.091 398.710 317.624
Other Operating Revenues
Total Pendapatan
3.591.485 3.093.893 2.815.917
Total Revenues
Total Beban Klaim Neto
(1.911.033) (1.672.348) (1.474.636)
Total Net Claim Expenses
Beban Usaha
(812.221) (771.136) (732.366)
Operating Expenses
Beban Usaha Lainnya
(298.264) (258.769) (225.559)
Other Operating Expenses
Pendapatan (Beban) Lain-lain Neto
1.054.601 108.510 (17.846)
Other Income (Expenses), Net
Total Beban
(1.966.917) (2.593.744) (2.450.407)
Total Expenses
Laba Sebelum Beban Pajak Final dan Pajak Penghasilan
1.632.331 517.197 374.456
Income Before Final Tax and Income Tax Expenses
Beban Pajak Final dan Beban Pajak Penghasilan
330.229.272 122.091.874 47.226.048
Final Tax and Income Tax Expense
Laba Tahun Berjalan
1.302.101 395.105 327.230
Income for the Year
Total Penghasilan Komprehensif Lain Setelah Pajak 50.021 131.354 101.666
Other Comprehensive Income After Tax
Total Penghasilan Komprehensif Tahun Berjalan
1.352.122 526.459 428.896
Total Comprehensive Income for the Year
Laba Tahun Berjalan yang dapat Diatribusikan kepada:
Income for the Year Attributable to:
Pemilik Entitas Induk
1.322.394 347.151 316.480
Equity Holders of the Parent Entity
Kepentingan Non-Pengendali
(20.293) 47.955 10.750
Non-Controlling Interest
Total Penghasilan Komprehensif Tahun Berjalan yang dapat Diatribusikan kepada:
Total Comprehensive Income for the Year Attributable to:
Pemilik Entitas Induk
1.372.505 482.800 418.766
Equity Holder of the Parent Entity
Kepentingan Non-Pengendali
(20.382) 43.659 10.130
Non-Controlling Interest
Laba Per Saham yang dapat Diatribusikan kepada Pemilik Entitas Induk (Nilai
Penuh) Dasar dan Dilusian
372 195 178
Earnings Per Share Attributable to Equity Holders of the Parent Entity (Full
Amount) Basic and Diluted
116 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Perbandingan Target dan Kinerja Produksi, Pendapatan dan Laba Rugi [OJK F.2]
Comparison of Production Targets and Performance, Revenue and Profit and Loss [OJK F.2]
Realisasi laba tahun berjalan konsolidasian (audited) yang The realization of the consolidated income for the Year
dapat diatribusikan kepada pemilik entitas induk sebesar (audited) attributable to owners of the parent entity
Rp1,32 triliun melesat 281% dari periode yang sama tahun amounted to IDR1.32 trillion, skyrocketing to 281% from
sebelumnya Rp347,15 miliar. Pencapaian premi bruto Tugu the same period the previous year of IDR347.15 billion.
Insurance secara konsolidasian sebesar Rp7,7 triliun naik Tugu Insurance’s consolidated gross premium achievement
15% dibanding dari periode yang sama tahun sebelumnya amounted to IDR7.7 trillion, an increase of 15% compared
sebesar Rp6,7 triliun. Sementara sedangkan pendapatan to the same period the previous year of IDR6.7 trillion.
underwriting tercatat sebesar Rp2,6 triliun naik 11% Meanwhile, underwriting income was recorded at IDR2.6
dibanding dari periode yang sama tahun sebelumnya yaitu trillion, an increase of 11% compared to the same period the
sebesar Rp2,3 triliun. previous year of IDR2.3 trillion.
Tabel Perbandingan Target dan Realisasi Investasi Pada Proyek Berwawasan Lingkungan (dalam Jutaan Rupiah)
Comparison Table of Target and Realization of Investment in Environmentally Friendly Projects (in Millions IDR)
2023 2022 2021
Uraian
Description Realisasi Realisasi Realisasi
Target Target Target
Realization Realization Realization
Produksi - Premi Bruto
7.005.256 7.709.524 6.476.477 6.705.580 5.977.009 5.986.273
Production - Gross Premiums
Pendapatan
3.444.828 3.591.485 3.111.023 3.093.893 2.791.442 2.815.917
Income
Laba Tahun Berjalan
1.130.173 1.302.101 295.960 395.105 256.149 327.230
Profit 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]
Secara konsisten, Tugu Insurance melakukan review secara Consistently, Tugu Insurance carries out regular reviews of
berkala terhadap berbagai kebijakan internal terhadap various internal policies regarding the provision of insurance
pemberian asuransi dengan memperhatikan aspek ESG by paying attention to ESG aspects in accordance with
sesuai peraturan perundangan yang berlaku. Perseroan terus applicable laws and regulations. The Company continues to
berupaya untuk menyediakan asuransi bagi berbagai usaha strive to provide insurance for various environmental and
terkait lingkungan dan sosial, serta produk yang sesuai social related businesses, as well as products that comply
dengan Kategori Kegiatan Usaha Berkelanjutan (KKUB). with the Sustainable Business Activity Category (KKUB). The
Perseroan telah memiliki produk untuk Asuransi Mobil Listrik Company already has products for Electric Car Insurance that
yang lebih ramah lingkungan, sehingga dapat mendukung are more environmentally friendly, so that they can support
penerapan keuangan berkelanjutan. Pada tahun 2023, the implementation of sustainable finance. In 2023, the
kinerja premi asuransi mobil listrik sebesar Rp2,5 miliar dari performance of electric car insurance premiums amounted
Rp236,3 miliar total premi asuransi kendaraan bermotor. to IDR2.5 billion out of IDR236.3 billion total motor vehicle
insurance premiums.
Hal ini juga diperkuat oleh komitmen Tugu Insurance This was also strengthened by Tugu Insurance's commitment
dengan mengembangkan produk dengan manfaat sosial, to developing products with social benefits, in the form
berupa asuransi kendaraan, yang memiliki aplikasi t drive of vehicle insurance, which has a digital-based t drive
berbasis digital untuk mengetahui bagaimana perilaku application to find out how each driver drives (safety driving
berkendara masing-masing pengendara (safety driving behavior). This application aims to motivate drivers to be
behavior). Produk aplikasi ini bertujuan untuk memotivasi more careful and reduce emissions, and therefore, Tugu
para pengendara untuk lebih berhati-hati dan mengurangi Insurance helps maintain the safety and health of human
emisi, dengan demikian Tugu Insurance turut menjaga resources as well as environmental conservation and energy
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 117
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Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
keselamatan dan kesehatan SDM maupun pelestarian management from limited natural resources in Indonesia.
lingkungan dan pengelolaan energi dari SDA terbatas di The launch of this digital-based application is also an
Indonesia. Peluncuran aplikasi berbasis digital ini juga innovation to respond to the needs of people who are now
merupakan inovasi untuk menjawab kebutuhan masyarakat shifting to digital media. Moreover, Tugu Insurance also
yang kini mulai beralih ke digital. Selain itu, Tugu Insurance has another application called t friends which is used to
juga memiliki aplikasi t friends yang dimanfaatkan untuk expand product marketing and support community economic
memperluas pemasaran produk dan turut mendukung empowerment through insurance agency partners.
pemberdayaan ekonomi masyarakat melalui mitra
keagenan asuransi.
Nilai Ekonomi Langsung Dihasilkan dan Didistribusikan [GRI 201-1]
Direct Economic Value Generated and Distributed [GRI 201-1]
Nilai ekonomi langsung yang dihasilkan Perseroan The direct economic value generated by the Company
bersumber dari pendapatan usaha. Dengan pencapaian comes from operating income. By achieving this direct
kinerja nilai ekonomi langsung tersebut, maka Tugu economic value performance, Tugu Insurance can distribute
Insurance dapat mendistribusikan nilai ekonomi kepada para economic value to stakeholders. Meanwhile, the economic
pemangku kepentingan. Sementara itu, nilai ekonomi yang value distributed is a form of the Company's contribution
didistribusikan sebagai bentuk kontribusi Perseroan dalam in increasing the rate of economic growth and welfare of
meningkatkan laju pertumbuhan ekonomi dan kesejahteraan stakeholders, such as payments to insureds, reinsurers,
para pemangku kepentingan, seperti pembayaran kepada suppliers and employees, as well as the realization of
tertanggung, reasuradur, pemasok dan karyawan, maupun funds for the community as a form of realization of Social
realisasi dana untuk masyarakat sebagai salah satu bentuk and Environmental Responsibility (CSR). Furthermore,
perwujudan Tanggung Jawab Sosial dan Lingkungan (TJSL) the economic value retained is the difference between
atau CSR. Selanjutnya, nilai ekonomi yang ditahan adalah the economic value produced minus the economic
selisih antara nilai ekonomi yang dihasilkan dikurangi nilai value distributed.
ekonomi yang didistribusikan.
Nilai ekonomi langsung yang dihasilkan pada tahun 2023 The direct economic value generated in 2023 was IDR3.59
mencapai Rp3,59 triliun, naik 16,08% dibandingkan nilai trillion, an increase of 16,08% compared to the direct
ekonomi langsung yang diperoleh pada tahun 2022 sebesar economic value obtained in 2022 of IDR3.09 trillion. The
Rp3,09 triliun. Realisasi nilai ekonomi yang didistribusikan realized economic value distributed in 2023 was IDR7,85
tahun 2023 mencapai Rp7,85 triliun, naik 6,09% trillion, an increase of 6,09% compared to the distribution of
dibandingkan distribusi nilai ekonomi tahun 2023 sebesar economic value in 2023 of IDR7.40 trillion.
Rp7,40 triliun.
Tabel Nilai ekonomi langsung dihasilkan dan didistribusikan (dalam Jutaan Rupiah)
Table of Direct Economic Value Generated and Distributed (in millions IDR)
Uraian
2023 2022 2021
Description
Pendapatan
3.591.485 3.093.893 2.815.917
Income
Nilai Ekonomi yang Dihasilkan
3.591.485 3.093.893 2.815.917
Economic Value Generated
Pembayaran kepada tertanggung, reasuradur, pemasok dan karyawan
(7.303.260) (7.084.256) (7.014.968)
Payments to insureds, reinsurers, suppliers and employees
Pembayaran dividen kepada Pemegang Saham
(244.362) (131.890) (97.728)
Dividend payments to Shareholders
Pembayaran pajak kepada Pemerintah
(180.268) (56.397) (35.637)
Tax Payments to the Government
Pembayaran Bunga
(5.279) (8.933) (16.107)
Interest Payment
Pembayaran pinjaman diterima
(71.486) (24.791) (4.464)
Payment of Borrowings
118 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
Page 119
Tabel Nilai ekonomi langsung dihasilkan dan didistribusikan (dalam Jutaan Rupiah)
Table of Direct Economic Value Generated and Distributed (in millions IDR)
Uraian
2023 2022 2021
Description
Pembayaran utang sewa pembiayaan konsumen dan sewa pembiayaan
Payment of Consumer Finance and Lease Payable (23.102) (90.339) (112.723)
Pembayaran liabilitas sewa
(3.440) (4.808) (8.902)
Payment of Lease Liabilities
Investasi bagi Masyarakat
(3.653) (771) (1.157)
Investment for Society
Nilai Ekonomi yang Didistribusikan
(7.834.824) (7.402.185) (7.291.686)
Economic Value Distributed
Nilai Ekonomi Ditahan
(4.243.340) (4.308.292) (4.475.769)
Economic Value Retained
Risiko Perubahan Iklim [GRI 201-2]
Climate Change Risk [GRI 201-2]
Tugu Insurance menyadari bahwa risiko keuangan terkait Tugu Insurance realizes that climate-related financial risks
iklim merupakan salah satu emerging risk yang memiliki are one of the emerging risks that have a material impact
dampak material terhadap keuangan dan stabilitas on global finance and economic stability. This impact occurs
ekonomi global. Dampak tersebut terjadi terutama pada especially when consumers experience business losses or
saat konsumen mengalami kerugian usaha atau kesulitan economic difficulties due to the effects of climate change
ekonomi dikarenakan efek perubahan iklim yang mereka that they experience and are unable to pay premiums. Apart
alami sehingga tidak mampu membayar premi. Selain from that, the failure of reinsurance companies to fulfill their
itu, kegagalan perusahaan reasuransi dalam memenuhi obligations to policyholders and the failure of other parties to
kewajiban kepada pemegang polis dan kegagalan pihak fulfill their obligations to the Company. Therefore, to achieve
lain dalam memenuhi kewajiban kepada Perseroan. Oleh sustainable finance, it is very important for Tugu Insurance
sebab itu, untuk mencapai keuangan berkelanjutan, sangat to be able to analyze the climate change risks faced by
penting bagi Tugu Insurance untuk dapat menganalisa consumers to consider the impact of the risks that the
risiko perubahan iklim yang dihadapi oleh konsumen untuk Company will face on the loans provided. [GRI 3-1, 3-2]
mempertimbangkan dampak risiko yang akan dihadapi oleh
perseroan pada pinjaman yang diberikan. [GRI 3-1, 3-2]
Dalam meningkatkan efektivitas implementasi inisiatif In increasing the effectiveness of implementing ESG
ESG dan pengelolaan risiko iklim, Tugu Insurance initiatives and managing climate risks, Tugu Insurance
mengimplementasikan strategi untuk mendorong asuransi implements strategies to encourage sustainable insurance
berkelanjutan dan melakukan penguatan tata kelola ESG and strengthen ESG governance through the appointment
melalui penunjukan pejabat dan unit kerja Corporate of officials and Corporate Secretary work units, especially
Secretary, khususnya Public Relations & Corporate Social the Public Relations & Corporate Social Responsibility
Responsibility Department, sebagai penanggung jawab Department, as the unit responsible for implementing
penerapan keuangan berkelanjutan di bawah pengawasan sustainable finance under the supervision of the President
Presiden Direktur. Kebijakan ini bertujuan sebagai Director. This policy aims to manage the implementation
pengelola implementasi keuangan berkelanjutan dan ESG, of sustainable finance and ESG, including framework
termasuk pengelolaan framework, penyelarasan ketentuan management, alignment of provisions that are in line with
yang selaras dengan isu keuangan berkelanjutan, ESG sustainable finance, ESG and climate change issues,
dan perubahan iklim, pengelolaan sustainable portfolio sustainable portfolio management, and responsible
management, dan strategi operasional yang bertanggung operational strategies. In addition to being directly
jawab. Selain diawasi langsung oleh Presiden Direktur, supervised by the President Director, the implementation of
implementasi keuangan berkelanjutan dan ESG didukung sustainable finance and ESG is supported by climate risk
oleh pengelolaan risiko iklim dari penerapan Kebijakan management from the implementation of the insurance Risk
Manajemen Risiko asuransi. Management Policy.
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 119
Page 120
1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Tugu Insurance terus meningkatkan analisis terhadap Tugu Insurance continues to improve its analysis of risks that
risiko-risiko yang berpotensi terjadi akibat perubahan iklim have the potential to occur due to climate change, thereby
sehingga memberikan dampak negatif sosial dan lingkungan having negative social and environmental impacts on its
dalam kegiatan operasionalnya. Pada tahun 2023, Perseroan operational activities. In 2023, the Company has carried out
telah melakukan analisis bahwa tidak terdapat dampak risiko an analysis which resulted in no direct significant risk impact
signifikan secara langsung terhadap kinerja perusahaan yang on Company performance resulting from climate change.
ditimbulkan akibat adanya perubahan iklim. [GRI 3-3, 201-2] [GRI 3-3, 201-2]
Kewajiban Program Pensiun
Pension Plan Obligations
Perseroan memenuhi kewajiban program pensiun dengan The Company fulfills its pension program obligations by
patuh terhadap ketentuan sebagaimana diatur dalam complying with the provisions as regulated in Law No.
Undang-undang No. 13/2003 tentang Ketenagakerjaan, 13/2003 concerning Employment, including those relating to
termasuk di dalamnya berkaitan dengan uang pensiun pensions or post-employment benefits. To realize this right,
atau imbalan pascakerja. Untuk mewujudkan hak tersebut, the Company provides a pension program for workers who
Perseroan menyediakan program pensiun kepada pekerja have entered retirement. The post-employment programs
yang telah memasuki masa pensiun. Program pascakerja provided consist of mandatory programs in accordance with
yang diberikan terdiri dari program wajib sesuai UU No. Law No. 40 of 2004 concerning the National Social Security
40 Tahun 2004 tentang Sistem Jaminan Sosial Nasional, System, PP No. 45 of 2015 concerning Pension Guarantees
PP No. 45 Tahun 2015 tentang Jaminan Pensiun dan PP and PP No. 46 of 2015 with amendment No. 60 of 2015
No. 46 Tahun 2015 dengan perubahannya No. 60 Tahun concerning Old Age Security, namely the Old Age Security and
2015 tentang Jaminan Hari Tua yaitu Program Jaminan Pension Security Program organized by BPJS Employment.
Hari Tua dan Jaminan Pensiun yang diselenggarakan BPJS [GRI 3-1, 3-2]
Ketenagakerjaan. [GRI 3-1, 3-2]
Selain itu, Perseroan juga memberikan uang pensiun sesuai In addition, the Company also provides pension money
dengan ketentuan Perjanjian Kerja Bersama (PKB) ditambah in accordance with the provisions of the Collective Labor
uang Asuransi Pensiun. Sedangkan pekerja yang berhenti Agreement (PKB) plus Pension Insurance money. Meanwhile,
sebelum usia pensiun normal akan mendapatkan manfaat workers who quit before the normal retirement age will
proporsional sesuai ketentuan Perjanjian Kerja Bersama. receive proportional benefits in accordance with the
Evaluasi dan perubahan kebijakan mengenai program provisions of the Collective Labor Agreement. Evaluation
jaminan pensiun mengacu pada peraturan perundang- and changes to policies regarding the pension guarantee
undangan yang berlaku serta Kesepakatan Perseroan program refer to applicable laws and regulations as well as
dengan Serikat Pekerja didalam PKB. [GRI 3-3] the Company's Agreement with the Worker Union in the PKB.
[GRI 3-3]
Tabel Kewajiban program pensiun (dalam Jutaan Rupiah) [GRI 201-3]
Table of Pension Plan Liabilities (in Millions IDR) [GRI 201-3]
Uraian
2023 2022 2021
Description
Uang Pensiun
14.543 24.644 21.176
Pension
Jumlah Peserta Program Pensiun 30 orang 19 orang 17 orang
Total Pension Program Participants 30 people 19 people 17 people
Bantuan Finansial dari Pemerintah
Financial Assistance from the Government
Perseroan tidak mendapat bantuan finansial dari pemerintah, The Company does not receive financial assistance from
baik berupa pembebasan pajak dan kredit pajak, subsidi, the government, in the form of tax exemptions and tax
hibah investasi, insentif finansial dan sebagainya. Sementara credits, subsidies, investment grants, financial incentives
itu, sebagai Emiten Anak Perusahaan BUMN, keterkaitan and so on. Meanwhile, as an Issuer of SOE Subsidiary, the
pemerintah dalam struktur kepemilikan saham Tugu government's involvement in the share ownership structure
Insurance melalui PT Pertamina (Persero) sebanyak 58,50%. of Tugu Insurance through PT Pertamina (Persero) is 58.50%.
[GRI 3-1, 3-2, 3-3, 201-4] [GRI 3-1, 3-2, 3-3, 201-4]
120 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Kinerja Keberlanjutan – Aspek Lingkungan Sustainability Performance – Environmental Aspects Program Nandur Pohon Sareng Tugu bersama Rabu Hijrah di Semarang, Jawa Tengah Nandur Pohon Sareng Tugu (Tree Planting with Tugu) program alongside Rabu Hijrah in Semarang, Central Java Kewajiban untuk menjaga kelestarian alam dan lingkungan The obligation to preserve nature and the environment merupakan tanggung jawab bersama termasuk pelaku is a shared responsibility, including business actors and usaha dan entitas bisnis, karena hal ini menjadi kesadaran business entities, because it has become a general umum bahwa kegiatan usaha memberikan dampak terhadap awareness that business activities have an impact on lingkungan. Pengelolaan usaha dituntut untuk memiliki the environment. Business management is required to kepedulian dan tanggung jawab terhadap ekosistem have concern and responsibility for the environmental lingkungan. Konsep pembangunan berkelanjutan telah ecosystem. The concept of sustainable development has mendorong tercapainya keseimbangan baik aspek ekonomi, encouraged achieving balance in both economic, social and sosial maupun lingkungan. environmental aspects. Konsep keberlanjutan memastikan pertumbuhan The concept of sustainability ensures that economic growth perekonomian juga memperhatikan dukungan dan also takes into account support and efforts to contribute to upaya berkontribusi menjaga kualitas lingkungan hidup, maintaining the quality of the environment, so that it is able sehingga mampu mencegah bencana ekologis seperti to prevent ecological disasters such as floods, landslides, banjir, tanah longsor, kebakaran hutan, dan kekeringan. forest fires and drought. This is in line with business actors' Hal ini sejalan dengan kesadaran pelaku bisnis terhadap awareness of the risks of the impact of climate change on adanya risiko dampak perubahan iklim yang terjadi business sustainability. Therefore, environmental topics have terhadap keberlangsungan usaha. Oleh karena itu, topik relevance to sustainable business management which will be lingkungan hidup memiliki relevansi terhadap pengelolaan disclosed in the reporting period, especially those related to usaha berkelanjutan yang akan diungkapkan pada biodiversity (GRI 304). [GRI 3-1] periode pelaporan, khususnya yang berkaitan dengan keanekaragaman hayati (GRI 304). [GRI 3-1] PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 121
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Tugu Insurance mengambil peran signifikan dalam Tugu Insurance takes a significant role in achieving the
pencapaian Tujuan Pembangunan Berkelanjutan (TPB/SDG’s) Sustainable Development Goals (TPB/SDG's) through
melalui penerapan kebijakan dan praktik keberlanjutan, implementing sustainability policies and practices, including
termasuk menjaga kelestarian lingkungan, meskipun industri preserving the environment, even though the insurance
asuransi tidak langsung berkaitan dengan isu-isu lingkungan. industry is not directly related to environmental issues. Tugu
Tugu Insurance menganggap penting untuk terlibat aktif Insurance considers it important to be actively involved in
dalam menjaga kelestarian lingkungan hidup bersama preserving the environment together with the government
pemerintah dan komponen masyarakat lainnya. and other components of society.
Kebijakan lingkungan Tugu Insurance telah menjadi bagian Tugu Insurance's environmental policy has become part of
dari kebijakan dan strategi program TJSL (Tanggung the policy and strategy of the TJSL (Social and Environmental
Jawab Sosial dan Lingkungan) atau CSR (Corporate Social Responsibility) or CSR (Corporate Social Responsibility)
Responsibility), yang ditetapkan dengan Surat Keputusan program, which is stipulated in Directors’ Decree No. 01/
Direksi No. 01/SKD/06/ERL-ATPI/I/2022 tanggal 6 Januari SKD/06/ERL-ATPI/I/2022 dated 6 January 2022 concerning
2022 tentang Penerbitan Pedoman Tanggung Jawab Sosial the Issuance of Corporate Social and Environmental
dan Lingkungan Perusahaan No. A-001/7100/2021. Tujuan Responsibility Guidelines No. A-001/7100/2021. The
kebijakan dan strategi TJSL ini adalah: objectives of this TJSL policy and strategy are:
1. Mewujudkan tanggung jawab sosial dan etika perusahaan 1. Realizing social responsibility and corporate ethics in
dalam rangka berperan serta meningkatkan kualitas order to play a role and improve the quality of life in
kehidupan masyarakat dan lingkungan; society and the environment;
2. Memperkuat merek produk perusahaan dan menciptakan 2. Strengthening the Company's product brand and
nilai kompetitif di tengah persaingan industri asuransi; creating competitive value amidst the competitive
insurance industry;
3. Memperkuat positivitas citra dan reputasi Perusahaan; 3. Strengthening the positive image and reputation of
the Company;
4. Meminimalisir dampak negatif Perusahaan; 4. Minimizing negative impacts of the Company;
5. Membantu mengelola risiko Perusahaan dan mengurangi 5. Helping manage the Company's risks and reduce
pengeluaran akibat risiko atau konflik yang timbul dari expenses due to risks or conflicts arising from the
jalannya Perusahaan; operation of the Company;
6. Memberikan kesempatan bagi masyarakat untuk 6. Providing opportunities for society to develop, both in
berkembang, baik secara pengetahuan maupun terms of knowledge and economic level;
tingkat ekonomi;
7. Memberdayakan masyarakat dengan memberikan 7. Empowering the community by providing skills training so
pelatihan keterampilan agar mampu menjadi individu they can become independent individuals.
yang mandiri.
Dalam pelaksanaan program TJSL, Tugu Insurance mengacu In implementing the TJSL program, Tugu Insurance refers
pada hukum dan norma yang berlaku serta menjunjung to applicable laws and norms and upholds the principles of
tinggi prinsip-prinsip praktik usaha yang baik, keadilan sosial, good business practices, social justice and environmental
dan keadilan lingkungan. Perseroan telah menugaskan justice. The Company has assigned the implementation of
pelaksanaan TJSL di Tugu Insurance kepada Corporate TJSL at Tugu Insurance to the Corporate Secretary through
Secretary melalui fungsi Departemen Government, PR & CSR the function of the Government, PR & CSR Department and
dan dapat berkoordinasi dengan maupun diperbantukan oleh can coordinate with or be assisted by work groups or other
group kerja atau pihak terkait lainnya jika dibutuhkan dan related parties if needed and approved by the Board of
disetujui oleh Direksi. [GRI 3-2] Directors. [GRI 3-2]
122 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Selain kegiatan TJSL, Tugu Insurance memiliki kekuatan In addition to TJSL activities, Tugu Insurance has a very neraca keuangan yang sangat sehat, kinerja operasional healthy balance sheet, strong operational performance, yang kuat, profil bisnis yang netral, dan manajemen risiko a neutral business profile and appropriate corporate risk perusahaan yang tepat. Prestasi tersebut juga menunjukkan management. This achievement also shows that Tugu Tugu Insurance memenuhi prinsip-prinsip asuransi Insurance fulfills the Principle of Sustainable Insurance/ berkelanjutan (Principle of Sustainable Insurance/PSI) dalam PSI in managing its insurance business, especially the pengelolaan bisnis perasuransian, terutama pada prinsip second and fourth principles. The second principle relates to kedua dan prinsip keempat. Prinsip kedua berkaitan atas contributions and business management practices that build kontribusi dan praktik pengelolaan usaha yang membangun awareness of social environmental issues, good governance kesadaran terhadap persoalan lingkungan sosial, tata Kelola and risk management. yang baik dan manajemen risiko. Prinsip keempat asuransi berkelanjutan berkaitan The fourth principle of sustainable insurance relates to the dengan praktik akuntabilitas dan transparansi dalam practice of accountability and transparency in disclosing mengungkapkan kemajuan penerapan prinsip-prinsip progress in implementing sustainable insurance principles asuransi yang berkelanjutan kepada publik kemajuan. Prinsip to the public. This principle is reflected in the Company's ini tercermin dari komitmen dan konsistensi Perseroan commitment and consistency in publishing sustainability menerbitkan laporan keberlanjutan dalam kurun waktu 3 reports for 3 (three) consecutive years. In the sustainability (tiga) tahun berturut-turut. Dalam laporan keberlanjutan, report, the Company conveys its sustainability performance Perseroan menyampaikan pencapaian kinerja keberlanjutan achievements covering economic, environmental, social, and yang mencakup aspek ekonomi, lingkungan, sosial dan governance aspects. tata kelola. Untuk meningkatkan kualitas penerapan TJSL, Tugu To improve the quality of TJSL implementation, Tugu Insurance terus melakukan evaluasi dan pemantauan Insurance continues to evaluate and monitor the atas pelaksanaan kegiatan TJSL. Pelaporan atas kegiatan implementation of TJSL activities. Reporting on TJSL TJSL antara lain dilakukan melalui laporan tahunan yang activities is carried out, among other things, through annual diterbitkan setiap tahun dan laporan keberlanjutan yang reports published every year and sustainability reports diterbitkan oleh Perseroan setiap tahun. Pemantauan dan published by the Company every year. Monitoring and evaluasi dilakukan secara berkala terhadap kegiatan TJSL evaluation are carried out regularly on TJSL activities so that agar program yang sedang atau sudah dijalankan tepat programs that are being or have been implemented are in sesuai dengan sasarannya. Selain itu, hasil pemantauan dan line with their targets. In addition, the results of monitoring evaluasi menjadi bahan masukan perbaikan bagi Perseroan and evaluation become input for improvements for the untuk penentuan program TJSL pada periode berikutnya. Company to determine the TJSL program in the following [GRI 3-3] period. [GRI 3-3] Biaya Pengelolaan Lingkungan Hidup [OJK F.4] Environmental Management Costs [OJK F.4] Kesadaran dan tanggung jawab Tugu Insurance terhadap Tugu Insurance's awareness and responsibility towards the lingkungan tercermin dalam kegiatan dan upaya yang environment is reflected in the activities and efforts made dilakukan Perseroan dalam meminimalkan risiko/dampak by the Company to minimize operational risks/impacts operasional terhadap lingkungan baik di lingkungan internal on the environment both in the Company's internal and maupun eksternal perusahaan. Perseroan juga secara external environments. The Company also consistently konsisten turut melakukan kegiatan-kegiatan dalam upaya carries out activities to save energy, reduce emissions, penghematan energi, pengurangan emisi, pengurangan reduce waste in business operational activities and nature limbah dalam aktivitas operasional usaha dan kegiatan conservation activities. pelestarian alam. Pada periode pelaporan, Perseroan telah membuat program In the reporting period, the Company has created a TJSL TJSL yang tergabung dalam bentuk Bakti TUGU (Bersatu Aksi program which was incorporated in the form of Bakti TUGU Kepedulian Tugu Insurance) untuk program lingkungan hidup. (United Action Concern for Tugu Insurance) for environmental Dengan Bakti TUGU Pilar Lingkungan Hidup, Tugu Insurance programs. With the Bakti TUGU under Environmental telah melakukan beberapa kegiatan dan mengalokasikan Pillar, Tugu Insurance has organized several activities and dana untuk lingkungan hidup dari RKAP 2023 sebesar allocated funds for the environment from the 2023 RKAP of Rp100,50 juta. IDR100.50 million. PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 123
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Namun juga terdapat implementasi TJSL menggunakan However, there was also a TJSL implementation using the
dana akrual RKAP 2022 sebesar Rp265 juta untuk kegiatan 2022 Work Plan and Budget accrual fund of IDR265 million
penanaman mangrove dan pembangunan infrastruktur for planting mangrove trees and boardwalk infrastructure
boardwalk di suaka margasatwa Muara Angke, Pantai Indah development at Muara Angke, Pantai Indah Kapuk,
Kapuk, Jakarta Utara yang dilaksanakan pada Maret 2023. North Jakarta wildlife sanctuary which was carried out in
March 2023.
Penggunaan Material [OJK F.5]
Use of Materials [OJK F.5]
Proses bisnis Tugu Insurance menggunakan bahan material Tugu Insurance business process uses materials in the
berupa Alat Tulis Kertas (ATK) untuk kebutuhan administrasi form of Paper Stationery (ATK) for office administration
perkantoran. Penggunaan kertas antara lain untuk needs. Uses of paper include printing insurance policies,
mencetak polis asuransi, brosur untuk mengampanyekan brochures to campaign for the importance of insurance,
pentingnya asuransi, surat-menyurat dan berbagai correspondence and various administrative needs in the
keperluan administrasi di kantor. Tugu Insurance menyadari office. Tugu Insurance is aware that the use of paper also
penggunaan kertas juga berkontribusi secara tidak langsung contributes indirectly to the number of trees cut down to be
terhadap pemanfaatan jumlah pohon yang ditebang untuk processed into pulp. Therefore, the Company implements a
diolah menjadi pulp atau bubur kertas. Oleh karena itu, paper usage efficiency program.
Perseroan menerapkan program penghematan pemakaian
kertas.
Pada periode pelaporan, penggunaan material kertas In the reporting period, the use of paper materials reached
mencapai 2.592 rim. Perseroan terus melakukan program 2,592 ream. The Company continues to carry out the 3R
3R dan penghematan dengan menerapkan konsep paperless and efficiency program by implementing the paperless
administration dimana berbagai dokumen dan peraturan administration concept in which various company documents
perusahaan dikirim dan disimpan secara elektronik. and regulations are sent and stored electronically.
Penggunaan Energi [OJK F.6, F.7]
Energy Use [OJK F.6, F.7]
Kegiatan usaha suatu perusahan tidak terlepas dari A company's business activities is integral with energy
penggunaan energi, begitu juga Tugu Insurance. Perseroan use, and so does Tugu Insurance. The Company carries out
menjalankan operasional usaha dengan menggunakan energi business operations using energy sourced from electricity
yang bersumber dari listrik dan Bahan Bakar Minyak (BBM). and Fuel (BBM). Energy consumption in Tugu Insurance
Konsumsi energi dalam Tugu Insurance yang terutama is mainly in the form of electricity use for office activities.
berupa pemakaian listrik untuk kegiatan perkantoran. Meanwhile, energy use outside the organization is in the
Sementara penggunaan energi di luar organisasi berupa form of fuel consumed for transportation. The following is
BBM yang digunakan untuk transportasi. Berikut ini data data on energy use in Tugu Insurance.
penggunaan energi dalam Tugu Insurance.
Tabel Penggunaan BBM Kantor Pusat
Table of Fuel Usage in the Head Office
Jenis BBM Satuan
2023 2022 2021
Types of Fuel Unit
Premium
Pertamax Turbo Liter
19.217 1.201 14.160
Litre
Pertamax Liter
23.891 21.937 14.242
Litre
Total Premium Liter
43.108 23.138 28.402
Litre
124 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
Page 125
Tabel Penggunaan BBM Kantor Pusat
Table of Fuel Usage in the Head Office
Jenis BBM Satuan
2023 2022 2021
Types of Fuel Unit
Solar
Diesel Fuel
Pertamina Dex Liter
4.942 2.954 -
Litre
Total Konsumsi Energi BBM
Gigajoule * 1.600 870 937
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)
Konsumsi listrik yang bersumber dari pasokan PLN tercatat Electricity consumption sourced from PLN supplies is
berdasarkan penghitungan sesuai jumlah pembelian recorded based on calculations according to the number of
langsung. Penyajian data pemakaian listrik hanya mencakup direct purchases. Presentation of electricity usage data only
di Kantor Pusat. covers the Head Office.
Tabel Penggunaan Listrik Kantor Pusat
Table of Electricity Usage in the Head Office
Uraian Satuan
2023 2022 2021
Description Unit
Total Konsumsi Listrik
kWh 252.116 261.112 239.607
Total Electricity Consumption
Total Konsumsi Energi Listrik
Gj 907 940 863
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
2023 2022 2021
Description Unit
Konsumsi Energi BBM
Gj 1.600 870 937
Fuel Consumption
Konsumsi Energi Listrik
Gj 907 940 863
Electrical Energy Consumption
Total Konsumsi Energi
Gj 2.507 1.810 1.800
Total Energy Consumption
Intensitas Energi Energy Intensity
Tugu Insurance menghitung intensitas energi berdasarkan Tugu Insurance calculates energy intensity based on energy
penggunaan energi di dalam dan di luar organisasi per use inside and outside the organization per unit area of
satuan luas kantor. Semakin kecil intensitas energi, the office. The smaller the energy intensity, the smaller
berarti semakin kecil penggunaan energi per satuan luas the energy usage per unit area of the office. Calculation
kantor. Penghitungan intensitas energi berdasarkan jumlah of energy intensity is based on the amount of electricity
konsumsi listrik dibandingkan dengan luas bangunan kantor consumption compared to the area of the head office
pusat. Pada tahun pelaporan, intensitas penggunaan energi building. In the reporting year, the intensity of electrical
listrik sebesar 252.116 kWH/m2 dan intensitas penggunaan energy use was 252,116 kWH/m2 and the intensity of fuel
energi BBM sebesar 0,12 Gj/miliar Rupiah. energy use was 0.12 Gj/billion Rupiah.
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 125
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Tabel Intensitas Energi Kantor Pusat
Table of Energy Intensity in the Head Office
Uraian Satuan
2023 2022 2021
Description Unit
Konsumsi Listrik
kWh 252.116 261.112 239.607
Electricity Consumption
Luas Bangunan
m2 8.468 8.468 8.468
Building Area
Intensitas Listrik
kWh/m2 29,77 30,84 28,3
Electricity Intensity
Total Konsumsi Energi
Gj 907 940 863
Total Energi Consumption
Produksi (Premi Bruto) Miliar Rupiah
7.710 6.706 5.986
Production (Gross Premium) Billion IDR
Intensitas Energi Gj/Miliar Rupiah
0,12 0,14 0,14
Energy Intensity Gj/Billion IDR
Berdasarkan Tabel Nilai IKE Standard Bangunan Gedung Based on the IKE Standard Value Table for Government
Perkantoran Pemerintah, maka penggunaan energi listrik di Office Buildings, the use of electrical energy at the Tugu
Kantor Pusat Tugu Insurance dengan ruangan ber-AC pada Insurance Head Office with air-conditioned rooms in the
periode pelaporan tercapai dengan kategori Sangat Efisien, reporting period was achieved in the Very Efficient category,
yaitu 29,77 kWh/m2/tahun. namely 29.77 kWh/m2/year.
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 | *konversi dalam setahun
Source: Journal of Mechanical Engineering (JTM): Vol. 06, Special Edition 2017 | *conversion within a year
Penggunaan Air [OJK F.8]
Water Use [OJK F.8]
Tugu Insurance menggunakan air pada umumnya untuk Tugu Insurance generally uses water for office purposes such
kepentingan kantor seperti kebutuhan sanitasi dan rumah as sanitation and office household needs. Meanwhile, for
tangga kantor. Sementara itu, Perseroan menggunakan operational needs, Company uses water from PDAM. Water
air untuk kebutuhan operasional bersumber dari dari usage during the reporting period reached 27,064,000 litres.
PDAM. Pemakaian air selama periode pelaporan mencapai
27.064.000 liter.
126 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Tabel Pemakaian Air di Kantor Pusat
Table of Water Use in the Head Office
Sumber Satuan
2023 2022 2021
Source Unit
PDAM
M3 27.064 22.894 40.400
State Water Company
M3 27.064 22.894 40.400
Jumlah pemakaian air Liter (L)
27.064.000 22.894.000 40.400.000
Number of water use Litre (L)
Mega Liter (ML)
27,06 22,89 40,40
Mega Litre (L)
Keanekaragaman Hayati [OJK F.9, F.10][GRI 304-1]
Biodiversity [OJK F.9, F.10][GRI 304-1]
Kegiatan dan upaya-upaya pelestarian lingkungan bertujuan Environmental conservation activities and efforts aim
untuk meningkatkan kualitas hidup manusia dan menjaga to improve the quality of human life and protect natural
sumber daya alam untuk generasi selanjutnya. Dalam resources for the next generation. In practice, mutual
praktiknya, memang dibutuhkan kesadaran bersama dan awareness and balance is needed between maintaining
keseimbangan antara menjaga profitabilitas perusahaan Company profitability and efforts to preserve the
dengan upaya melestarikan lingkungan. Tugu Insurance environment. Tugu Insurance recognizes its role to have
menyadari perannya untuk memberikan dampak positif a positive impact on the environment by encouraging
terhadap lingkungan dengan cara mendorong investasi yang investments which favour environmental preservation. This
berpihak pada pelestarian lingkungan. Hal ini diperkuat is strengthened by the Company’s role as Leader of the Ship
oleh peran Perseroan sebagai Leader Konsorsium Asuransi Wreck Removal Insurance Consortium including Pollution
Penyingkiran Kerangka Kapal termasuk Tanggung Jawab Liability at sea.
Polusi di laut.
Selain itu, Tugu Insurance juga terus berupaya untuk In addition, Tugu Insurance also continues to strive to
meminimalkan dampak operasionalnya terhadap lingkungan, minimize the impact of its operations on the environment,
dengan menetapkan berbagai kebijakan dan program yang by establishing various policies and programs that are
diterapkan pada kantor pusat dan kantor-kantor cabang implemented at our head office and branch offices, including:
kami, antara lain:
Penghematan energi, dengan cara Penghematan penggunaan bahan bakar
mengurangi penggunaan listrik di kantor Efficientuse of fuel
Energy savings by reducing the use of
electricity in the office
Anjuran untuk menerapkan gaya hidup
go green kepada seluruh pekerja
Prompts to adopt a go green lifestyle
for all employees
Penghematan penggunaan kertas dengan
mengoptimalkan pemanfaatan teknologi
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
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 127
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Evaluasi terhadap efektifitas kegiatan dan program terkait Evaluation of the effectiveness of environmental activities
lingkungan tersebut dilakukan secara berkelanjutan untuk and programs is carried out on an ongoing basis to improve
perbaikan kebijakan pada periode berikutnya. Perseroan policies in the following period. The Company also applies
juga menerapkan pendekatan dan prinsip pencegahan a precautionary approach and principles when evaluating
ketika mengevaluasi portofolio yang memiliki kaitan dengan portfolios that are related to the environment.
lingkungan hidup.
Sebagaimana bidang usaha Tugu Insurance, pendirian Like the Tugu Insurance business sector, the establishment
lokasi perkantoran Perseroan juga tidak berada dan of the Company's office location is also not located in
berdampak terhadap kawasan lindung, atau kawasan and has an impact on protected areas, or areas with high
dengan keanekaragaman hayati tinggi di luar kawasan hutan biodiversity outside protected forest areas. Therefore, there
lindung. Dengan demikian, tidak terdapat dampak signifikan is no significant impact from the operation of insurance
dari pengoperasian kegiatan perasuransian terhadap activities on biodiversity, protected types of animals and
keanekaragaman hayati, jenis-jenis hewan dan tumbuhan plants. Therefore, there are no IUCN Red List species and
yang dilindungi. Oleh karena itu, tidak terdapat spesies national conservation list species with habitats in the areas
Daftar Merah IUCN dan spesies daftar konservasi nasional affected by the Company's operations, based on the level of
dengan habitat dalam wilayah yang terkena efek operasi extinction risk. [GRI 304-2, 304-3, 304-4]
Perseroan, berdasarkan tingkat risiko kepunahan.
[GRI 304-2, 304-3, 304-4]
Pada periode pelaporan, Perseroan telah melakukan In the reporting period, the Company carried out activities
kegiatan berkaitan dengan keanekaragaman hayati berupa related to biodiversity in the form of planting 2,600 trees.
penanaman pohon sebanyak 2.600 pohon. Namun tidak However, there were no habitats that are specifically
terdapat habitat yang secara khusus dilindungi atau protected or restored. The TJSL Bakti TUGU program related
direstorasi. Program TJSL Bakti TUGU berkaitan dengan to nature conservation has spent 2023 Work Plan and
kelestarian alam telah menghabiskan dana RKAP 2023 Budget funds of IDR100.50 million as part of Bakti TUGU
sebesar Rp100,50 juta yang merupakan bagian dari dana Pillar of the Environment funds and 2022 Accrual Work Plan
Bakti TUGU Pilar Lingkungan Hidup dan dana RKAP Akrual and Budget funds of IDR265 million for activities conducted
2022 sebesar Rp265 juta untuk kegiatan yang dilaksanakan in the reporting period.
pada periode pelaporan.
Emisi [OJK F.11, F.12]
Emissions [OJK F.11, F.12]
Tugu Insurance menyadari operasional perusahaan juga Tugu Insurance is aware that the Company's operations
berpotensi dan berkontribusi dalam menghasilkan emisi also have the potential and contribute to producing GHG
GRK melalui penggunaan energi listrik, dan Bahan Bakar emissions through the use of electrical energy and Fuel
Minyak (BBM). Oleh karena itu, Perseroan berkomitmen (BBM). Therefore, the Company is committed to managing
untuk mengelola emisi dengan baik melalui penghematan emissions well by conserving energy use.
penggunaan energi.
Sementara itu, data emisi yang disajikan dalam pelaporan, The emissions data presented in the reporting were scope
yaitu emisi GRK cakupan 1, emisi GRK cakupan 2, dan 1 GHG emissions, scope 2 GHG emissions, and scope 3
emisi GRK cakupan 3. Emisi GRK cakupan 1 berasal dari GHG emissions. Scope 1 GHG emissions come from the use
penggunaan bahan bakar minyak (premium) kendaraan of fuel (premium) in the Company's operational vehicles.
operasional Perseroan. Emisi GRK cakupan 2 bersumber dari Scope 2 GHG emissions originate from electricity use in
penggunaan listrik di gedung kantor. Selanjutnya, emisi GRK office buildings. Furthermore, the dominant GHG emissions
dominan yang dihasilkan, baik cakupan 1 maupun 2 berupa produced, both in scope 1 and 2, were in the form of carbon
karbon dioksida (CO2). dioxide (CO2).
128 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Metode penghitungan emisi GRK Cakupan 1 (BBM) yang The method for calculating Scope 1 (BBM) GHG emissions
dipakai di Indonesia dan negara-negara non-Annex 1 (negara used in Indonesia and non-Annex 1 countries (developing
berkembang) adalah Tier-1, yaitu berdasarkan data konsumsi countries) is Tier-1, which is based on energy consumption
energi dikalikan faktor emisi default IPCC (Intergovernmental data multiplied by the IPCC (Intergovernmental Panel
Panel on Climate Change/Panel Antar pemerintah tentang on Climate Change) default emission factor. on Climate
Perubahan Iklim). Tahun 2023, jumlah emisi GRK cakupan 1 Change). In 2023, the amount of GHG emissions in scope 1
(BBM) sebesar 111.767 kgCO2eq. (BBM) was 111,767 kgCO2eq.
Tabel Emisi GRK Cakupan 1 (BBM)
Table of GHG Emission Scope 1 (Fuel)
Jenis BBM Satuan
2023 2022 2021
Types of Fuel Unit
Konsumsi Energi BBM – Premium Liter
43.108 23.138 28.402
Fuel Consumption – Premium Litre
Konsumsi Energi BBM – Solar Liter
4.942 2.954 0
Fuel Consumption – Diesel Litre
Konsumsi Energi BBM – Premium
Tj 1,42 0,76 0,94
Fuel Consumption – Premium
Konsumsi Energi BBM – Solar
Tj 0,18 0,11 0
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 111.767 60.794 64.953
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)
Metode penghitungan emisi GRK cakupan 2 (listrik) mengacu The method for calculating GHG emissions for scope 2
pada panduan perhitungan emisi GRK dari pemakaian (electricity) refers to the guidelines for calculating GHG
kWh listrik berdasarkan ketentuan dari Dirjen Kelistrikan emissions from the use of kWh of electricity based on
Kementerian ESDM (2017). Pada periode pelaporan, jumlah provisions from the Director General of Electricity, Ministry
emisi GRK cakupan 2 (listrik) sebesar 235.476 kgCO2eq. of Energy and Mineral Resources (2017). In the reporting
period, the amount of GHG emissions in scope 2 (electricity)
was 235,476 kgCO2eq.
Tabel Emisi GRK Cakupan 2 (Listrik)
Table of GHG Emission Scope 2 (Electricity)
Jenis BBM Satuan
2023 2022 2021
Types of Fuel Unit
Konsumsi Listrik
kWh 252.116 261.112 239.607
Electricity Consumption
Faktor Emisi Default*
kgC02/kWh 0,934 0,934 0,934
Default Emission Factor*
Emisi GRK Cakupan 2
kgC02eq 235.476 243.879 223.793
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)
Sementara penghitungan emisi GRK cakupan 3 berdasarkan The calculation of scope 3 GHG emissions is based on
perjalanan dinas menggunakan pesawat udara dengan official travel using aircraft with ICAO (International Civil
standar ICAO (International Civil Aviation Organization). Aviation Organization) standards. During the reporting period,
Selama periode pelaporan, penggunaan pesawat untuk the use of aircraft for official travel was 100 trips.
perjalanan dinas sebanyak 100 trip.
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 129
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Tabel Emisi GRK Cakupan 3 (Perjalanan Dinas Pesawat)
Table of GHG Emission Scope 3 (Aircraft Trips)
Emisi
Dewan Jumlah Emisi
Direksi Jumlah (KgCO2eq/
Asal Tujuan Kelas Komisaris (KgCO2eq)
No Board of Perjalanan trip)
Origin Destination Class Board of Total Emissions
Director Total Trips Emissions
Commissioner (KgCO2eq)
(KgCO2eq/ trip)
Bisnis
1 Jakarta London 9 0 9 1.045,30 9.407,70
Business
Bisnis
2 London Hongkong 2 1 3 797,60 2.392,80
Business
Bisnis
3 Hongkong Jakarta 3 2 5 431,50 2.157,50
Business
Bisnis
4 Jakarta Dubai 1 0 1 733,90 733,90
Business
Bisnis
5 Dubai Jakarta 1 0 1 733,90 733,90
Business
Bisnis
6 London Jakarta 7 0 7 1.045,30 7.317,10
Business
Bisnis
7 Jakarta Jerman 0 1 1 858,80 858,80
Business
Bisnis
8 Jerman London 0 1 1 132,70 132,70
Business
Bisnis
9 Jakarta Jepang 1 0 1 631,70 631,70
Business
Bisnis
10 Jakarta Hongkong 1 1 2 797,60 1.595,20
Business
Bisnis
11 Jakarta Korea 3 0 3 634,80 1.904,40
Business
Bisnis
12 Jakarta Malaysia 2 0 2 95,40 190,80
Business
Bisnis
13 Jakarta Singapura 3 0 3 77,50 232,50
Business
Bisnis
14 Jakarta Vietnam 2 0 2 142,60 285,20
Business
Bisnis
15 Jakarta Yogyakarta 3 1 4 50,90 203,60
Business
Bisnis
16 Jakarta Bali 10 1 11 89,90 988,90
Business
Bisnis
17 Jakarta Surabaya 2 0 2 71,50 143,00
Business
Bisnis
18 Jakarta Labuan Bajo 2 0 2 122,00 244,00
Business
Bisnis
19 Jakarta Semarang 2 0 2 51,10 102,20
Business
Bisnis
20 Jakarta Palembang 1 0 1 50,80 50,80
Business
Bisnis
21 Jakarta Solo 1 0 1 54,50 54,50
Business
Ekonomi
22 Jakarta Medan 1 0 1 116,00 116,00
Economy
Bisnis
23 Jepang Jakarta 1 0 1 631,70 631,70
Business
Bisnis
24 Korea Jakarta 3 0 3 634,80 1.904,40
Business
Bisnis
25 Malaysia Jakarta 2 0 2 95,40 190,80
Business
130 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Tabel Emisi GRK Cakupan 3 (Perjalanan Dinas Pesawat)
Table of GHG Emission Scope 3 (Aircraft Trips)
Emisi
Dewan Jumlah Emisi
Direksi Jumlah (KgCO2eq/
Asal Tujuan Kelas Komisaris (KgCO2eq)
No Board of Perjalanan trip)
Origin Destination Class Board of Total Emissions
Director Total Trips Emissions
Commissioner (KgCO2eq)
(KgCO2eq/ trip)
Bisnis
26 Singapura Jakarta 3 0 3 77,50 232,50
Business
Bisnis
27 Vietnam Jakarta 2 0 2 142,60 285,20
Business
Bisnis
28 Yogyakarta Jakarta 3 1 4 50,90 203,60
Business
Bisnis
29 Bali Jakarta 10 1 11 89,90 988,90
Business
Bisnis
30 Surabaya Jakarta 2 0 2 71,50 143,00
Business
Bisnis
31 Labuan Bajo Jakarta 2 0 2 122,00 244,00
Business
Bisnis
32 Semarang Jakarta 2 0 2 51,10 102,20
Business
Bisnis
33 Palembang Jakarta 1 0 1 50,80 50,80
Business
Bisnis
34 Solo Jakarta 1 0 1 54,50 54,50
Business
Bisnis
35 Medan Jakarta 1 0 1 116,00 116,00
Business
Jumlah
90 10 100 35.624,80
Total
Penghitungan intensitas emisi berdasarkan jumlah emisi Emission intensity calculations are based on the sum of
GRK cakupan 1 (BBM), emisi GRK cakupan 2 (listrik) dan scope 1 GHG emissions (fuel), scope 2 GHG emissions
emisi GRK cakupan 3 (perjalanan dinas dengan pesawat) (electricity) and scope 3 GHG emissions (business
dibandingkan dengan jumlah produksi premi bruto. travel by plane) compared to the amount of gross
premium production.
Tabel Intensitas Emisi GRK
Table of GHG Emission Intensity
Jenis BBM Satuan
2023 2022 2021
Types of Fuel Unit
Emisi GRK Cakupan 1
kgC02eq 111.767 60.794 64.953
GHG Emission Scope 1
Emisi GRK Cakupan 2
kgC02eq 235.476 243.879 223.793
GHG Emission Scope 2
Emisi GRK Cakupan 3
kgC02eq 35.625 6.116 0
GHG Emission Scope 3
Total Emisi GRK
kgC02eq 382.868 310.789 288.746
Total GHG Emission
Jumlah Premi Bruto miliar Rupiah
7.710 6.706 5.986
Gross Premium Billion IDR
Intensitas Emisi GRK kgC02eq/miliar Rp
50 46 48
GHG Emission Intensity kgC02eq/billion IDR
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 131
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Pengelolaan Limbah dan Efluen [OJK F.13, F.14, F.15]
Waste and Effluent Management [OJK F.13, F.14, F.15]
Tugu Insurance berupaya turut menjaga lingkungan dengan Tugu Insurance strives to help protect the environment by
cara mengurangi timbunan limbah dalam operasionalnya. reducing waste accumulation in its operations. In business
Dalam kegiatan usaha, limbah yang terutama adalah activities, waste is mainly domestic waste which is disposed
limbah domestik yang dibuang oleh pihak ketiga yaitu pihak of by third parties, namely the building management, or other
pengelola gedung, atau pihak lain yang telah tersertifikasi. parties who have been certified. In the reporting period,
Pada periode pelaporan, terdapat limbah padat dari kegiatan there was solid waste from the Company's operational
operasional Perseroan sebanyak 77,71 ton. activities amounting to 77.71 tons.
Perseroan tidak menghasilkan limbah B3 dalam jumlah yang The Company did not produce significant amounts of
signifikan dan tidak melakukan pengolahan limbah secara Hazaedous waste and did not process waste independently,
mandiri, karena itu kami tidak mencantumkan jumlah limbah therefore we do not include the amount of waste and its
dan mekanisme pengelolaannya dalam laporan ini. management mechanism in this report.
Pengaduan Terkait Lingkungan Hidup [OJK F.16]
Complaints Related to the Environment [OJK F.16]
Tugu Insurance memastikan terpenuhinya kepatuhan Tugu Insurance ensures compliance with statutory
terhadap peraturan perundangan dalam setiap aspek regulations in every aspect, including in the environmental
termasuk di bidang lingkungan. Hal ini diperkuat dengan sector. This is reinforced by the fact that there were no
tidak didapatkannya pengaduan atas pelanggaran terhadap complaints regarding violations of environmental regulations
peraturan lingkungan pada periode pelaporan. Sementara in the reporting period. Meanwhile, the Company also
itu, Perseroan juga menyediakan sarana pengaduan atau provides a means of complaint or submission of critical input
penyampaian kritik masukan kepada Tugu Insurance melalui to Tugu Insurance via Tugu Insurance Assistant (Call TIA)
Tugu Insurance Assistant (Call TIA) 1500458 dan saluran 1500458 and the Whistleblowing System (WBS) channel.
Whistleblowing System (WBS).
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Kinerja Keberlanjutan – Aspek Sosial Sustainability Performance – Social Aspects Program bantuan akomodasi medis dan kebutuhan nutrisi anak penderita kanker bersama Yayasan Pita Kuning Anak Indonesia di Jakarta Medical accommodation and nutritional support program for children with cancer alongside Pita Kuning Anak Indonesia Foundation in Jakarta Manusia dalam konteks keberlanjutan menjadi bagian ‘Human’ in the context of sustainability is a part of the dari prinsip-prinsip mendasar SDGs yang berperan dalam fundamental principles of SDGs which play a role in menyeimbangkan dimensi ekonomi, sosial dan lingkungan balancing economic, social and environmental dimensions yang dikenal dengan 5P yaitu 1) People (manusia), 2) Planet known as 5P, namely 1) People, 2) Planet, 3) Prosperity, (bumi), 3) Prosperity (kemakmuran), 4) Peace (perdamaian), 4) Peace, and 5) Partnership. In line with this, business dan 5) Partnership (kerja sama). Sejalan dengan hal itu, sustainability is also influenced by the participation and keberlanjutan usaha juga dipengaruhi oleh partisipasi involvement of employees, the community, and consumers dan keterlibatan karyawan, masyarakat dan konsumen as a part of the Company’s business processes. Therefore, sebagai bagian proses bisnis perusahaan. Oleh karena itu, the right approach is needed to manage issues in social, diperlukan pendekatan yang tepat untuk mengelola isu-isu employment and consumer aspects, so as to contribute to pada aspek sosial kemasyarakatan, ketenagakerjaan dan achieving Company performance and sustainability. konsumen, sehingga berkontribusi terhadap pencapaian kinerja dan keberlanjutan perusahaan. Sementara itu, kinerja keberlanjutan terkait dengan aspek Meanwhile, sustainability performance related to social sosial mencakup informasi inisiatif dan program-program aspects includes information on the Company’s social tanggung jawab sosial Perseroan di bidang ketenagakerjaan, responsibility initiatives and programs in the fields of kemasyarakatan, dan produk dan pelayanan konsumen. Tugu employment, community, and consumer products and Insurance memberikan perhatian serius isu-isu keberlanjutan services. Tugu Insurance pays serious attention to pada aspek sosial dan menjadi pertimbangan dalam sustainability issues in the social aspect and is taken pengambilan keputusan dalam keseluruhan lini operasional into consideration in decision making in all Company perusahaan. operational lines. PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 133
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Selain itu, Tugu Insurance berupaya memberikan kontribusi In addition, Tugu Insurance seeks to contribute to national
terhadap pembangunan nasional melalui penerapan development through implementing a sustainable insurance
usaha asuransi berkelanjutan yang mengedepankan business that prioritizes community economic development,
pengembangan ekonomi masyarakat, memberikan manfaat provides benefits and ensures protection for consumers and
dan memastikan perlindungan bagi konsumen dan improves employee welfare. The Company regularly evaluates
meningkatkan kesejahteraan karyawan. Perseroan secara business processes and the implementation of Corporate
berkala melakukan evaluasi proses bisnis dan pelaksanaan Social Responsibility (CSR) so that it is target appropriate
Tanggung Jawab Sosial Perusahaan (CSR) agar tepat sasaran and able to meet the needs of stakeholders, especially
serta mampu memenuhi kebutuhan pemangku kepentingan employees, consumers/customers and the community.
terutama karyawan, konsumen/pelanggan dan masyarakat.
Ketenagakerjaan
Employment
Sebagaimana misi “Memberdayakan SDM menjadi Insan As per the mission of “Empowering Human Resources to
yang professional”, Perseroan melakukan pengembangan become professional People”, the Company develops and
dan peningkatan kapabilitas dan kompetensi karyawan improves the capabilities and competencies of employees
menjadi Insan Tugu yang profesional, berintegritas, to become Tugu Personnel who are professional, have
kompetitif, dan peduli, serta siap mewujudkan visi “Menjadi integrity, competitive and caring, and are ready to realize
perusahaan asuransi umum nomor satu di Indonesia”. the vision of “Becoming the number one general insurance
Perseroan memberikan fokus perhatian dalam pengelolaan company in Indonesia”. The Company focuses its attention
SDM meliputi penerapan kesehatan dan keselamatan on HR management including implementing occupational
kerja (GRI 403), peningkatan kapabilitas Karyawan secara health and safety (GRI 403), continuously, increasing
berkelanjutan, peningkatan pelatihan Karyawan agar employee capabilities, increasing employee training to
sesuai dengan kebutuhan dan kondisi saat ini (GRI 404), suit current needs and conditions (GRI 404), increasing
peningkatan produktivitas Karyawan, dan penyelarasan employee productivity, and aligning work performance with
antara prestasi kerja dengan kompensasi. [GRI 3-1] compensation. [GRI 3-1]
Tugu Insurance telah menugaskan Human Capital & Services Tugu Insurance has assigned the Human Capital & Services
Group (HCS Group) sebagai unit yang bertindak mengelola Group (HCS Group) as the unit that manage employment
ketenagakerjaan dan bertanggung jawab langsung kepada and is directly responsible to the Director of Finance
Direktur Keuangan dan Jasa Korporat. Pentingnya SDM and Corporate Services. Considering the importance of
berkualitas bagi operasional Perseroan, Tugu Insurance telah quality human resources for the Company’s operations,
menerapkan konsep Competency Based Human Resource Tugu Insurance has implemented the Competency Based
Management (CBHRM). Melalui konsep ini, Perseroan Human Resource Management (CBHRM) concept. Through
menjadikan dimensi kompetensi yang konsisten sebagai this concept, the Company makes consistent competency
acuan dalam menjalankan seluruh proses pengelolaan SDM, dimensions a reference in carrying out the entire HR
mulai dari perekrutan, penempatan, pengembangan, dan management process, starting from recruitment, placement,
seterusnya. [GRI 3-2] development, and so on. [GRI 3-2]
Komitmen Tugu Insurance menghadirkan lingkungan Tugu Insurance’s commitment to providing a competitive,
kerja yang kompetitif, aman dan nyaman sehingga safe and comfortable work environment thereby encourages
mendorong Insan Tugu berkarya dan berinovasi di tengah Tugu Personnel to work and innovate amidst various
berbagai tantangan dan persaingan usaha yang semakin challenges and increasingly fierce business competition.
ketat. Komitmen ini, sejalan dengan ketentuan dalam This commitment is in line with the provisions in the
Peraturan Menteri Ketenagakerjaan No. 5 Tahun 2018 Minister of Manpower Regulation Number 5 of 2018
yang menyaratkan tersedianya fasilitas Kebersihan dan which requires the availability of Cleanliness and Hygiene
sarana Higiene di tempat Kerja yang bersih dan sehat, facilities in a clean and healthy workplace, OHS personnel
personil K3 yang memiliki kompetensi dan kewenangan who have OHS competence and authority in the field of the
K3 di bidang lingkungan Kerja. Penataan lingkungan Work environment. Structuring the work environment also
kerja juga mempertimbangkan perkembangan usaha dan takes into account business developments and ongoing
transformasi yang sedang berlangsung di Perseroan dalam transformation in the Company, to achieve better results. In
rangka menorehkan prestasi yang semakin baik. Selain itu, addition, Tugu Insurance is fully committed to continuously
Tugu Insurance berkomitmen penuh untuk meningkatkan improving the quality of Human Resources (HR) support
kualitas dukungan Sumber Daya Manusia (SDM) secara through several stages starting from the selection process,
134 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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berkesinambungan melalui beberapa tahapan mulai dari recruitment, training, to HR performance assessment. The
proses seleksi, rekrutmen, pelatihan hingga penilaian kinerja Company evaluates HR management based on continuous
SDM. Perseroan melakukan evaluasi pengelolaan SDM HR performance assessments. [GRI 3-3]
berdasarkan penilaian kinerja SDM secara berkelanjutan.
[GRI 3-3]
Kesetaraan Kesempatan Kerja [OJK F.18] Equal Employment Opportunities [OJK F.18]
Tugu Insurance mengedepankan prinsip keragaman, Tugu Insurance prioritizes the principles of diversity,
kesetaraan dan menjunjung tinggi prinsip non diskriminasi. equality and upholds the principle of non-discrimination.
Perusahaan tidak membedakan gender, ras, agama, suku The Company does not differentiate between gender, race,
dan golongan, dalam seluruh tingkatan dan jajaran karyawan religion, ethnicity and class, at all levels and ranks of
serta manajemen baik dalam penerimaan karyawan maupun employees and management, both in employee recruitment
sistem remunerasi dan jabatan. Sepanjang tahun 2023 tidak and remuneration and position systems. Throughout
terdapat insiden diskriminasi dalam Tugu Insurance. 2023 there was no incidents of discrimination within
Tugu Insurance.
Prinsip kesetaraan juga diterapkan dengan cara memberikan The principle of equality is also applied by providing equal
perlakuan yang sama bagi setiap Insan Tugu tanpa treatment to every Tugu Personnel without distinguishing
membedakan jenis kelamin. Sistem remunerasi dalam Tugu between gender. The remuneration system in Tugu Insurance
Insurance didasarkan oleh jenjang jabatan, kompetensi dan is based on position level, competency and performance
penilaian kinerja, bukan ditentukan oleh gender. Tidak ada assessment, not by gender. There is no difference in
perbedaan remunerasi bagi pria dan wanita pada jabatan remuneration for men and women in the same position and
dan golongan yang sama. Selain itu, jaminan kesehatan class. In addition, health insurance is applied equally, in
diberlakukan secara sama, di mana tanggungan karyawan which female employees’ dependents are recognized the
perempuan diakui sama dengan karyawan laki-laki. same as male employees.
Dengan perspektif kesetaraan dan kesempatan yang With the perspective of equality and equal opportunities,
sama, Tugu Insurance memiliki komitmen tinggi untuk Tugu Insurance is highly commited to continue to expand
terus melakukan ekstensifikasi kegiatan operasional operational activities through cooperation or equal work
melalui kerja sama atau kesempatan kerja yang setara bagi opportunities for employees to have high competitiveness
karyawan untuk memiliki daya saing tinggi dan kemampuan and the best abilities and competencies. In addition,
serta kompetensi terbaik. Di samping itu, karyawan diberi employees are given freedom and have the right to express
kebebasan dan memiliki hak untuk mengeluarkan pendapat opinions and convey their assessments regarding work
serta menyampaikan penilaiannya terkait dengan situasi situations. Tugu Insurance uses employee suggestions and
kerja. Tugu Insurance menggunakan saran dan kritik para criticism as triggers for continuous improvement in various
karyawan sebagai pemicu tindakan perbaikan secara terus strategic policies in Human Resources (HR) management.
menerus terhadap berbagai kebijakan strategis dalam
manajemen Sumber Daya Manusia (SDM).
Tenaga Kerja Anak dan Tenaga Kerja Paksa Child Labor and Forced Labor [OJK F.19]
[OJK F.19]
Perseroan memberikan perhatian terhadap pentingnya The Company puts great attention to the importance of
perlindungan terhadap tenaga kerja dari praktik kerja paksa protecting workers from forced labor practices and carrying
dan pelaksanaan pekerjaan di luar jam kerja. Terkait hal out work outside working hours. On this matter, Tugu
tersebut, Tugu Insurance tunduk dan patuh terhadap Undang- Insurance complies with Law Number 13 of 2003 concerning
undang No. 13 Tahun 2003 tentang Ketenagakerjaan dalam Employment in employee management. The Company
pengelolaan karyawan. Perseroan mempekerjakan karyawan employs people with a minimum age limit of 18 years, while
dengan batas usia minimal karyawan 18 tahun, sedangkan the agreed working hours are 8 (eight) hours in 1 (one) day,
jam kerja yang disepakati adalah 8 (delapan) jam 1 (satu) and 40 (forty) hours in 1 (one) week, and 5 (five) working
hari dan 40 (empat puluh) jam 1 (satu) minggu untuk 5 days in 1 (one) week, in accordance with article 77 of Law
(lima) hari kerja dalam 1 (satu) minggu, sesuai dengan Number 13 of 2003 concerning Employment.
pasal 77 Undang-Undang No. 13 Tahun 2003 tentang
Ketenagakerjaan.
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 135
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Tugu Insurance memastikan tidak terdapat karyawan Tugu Insurance ensures that there are no child employees
anak atau tenaga kerja di bawah batas usia minimal or workers below the minimum age limit in accordance with
sesuai ketentuan di lingkungan Perseroan. Di samping itu, the provisions within the Company. In addition, the Company
Perseroan menerapkan kebijakan larangan kerja paksa. implements a policy of prohibiting forced labor. With the
Dengan penerapan kebijakan tersebut, selama tahun implementation of this policy, during the reporting year there
pelaporan tidak tercatat temuan kasus karyawan anak dan were no recorded cases of child employees and forced labor
kerja paksa di Perseroan. in the Company.
Upah Minimum Regional [OJK F.20][GRI 2-21] Regional Minimum Wage [OJK F.20][GRI 2-21]
Tugu Insurance menyadari pentingnya remunerasi sebagai Tugu Insurance realizes the importance of remuneration as
salah satu faktor yang mendukung kualitas kehidupan a factor that supports the quality of life of the Company’s
insan Perseroan dan meningkatkan etos kerja. Karena people and improves work ethic. Therefore, Tugu Insurance
itu, Tugu Insurance berkomitmen untuk menerapkan is committed to implementing competitive remuneration
remunerasi yang kompetitif dalam setiap jenjang jabatan, at every position level, including entry level. In accordance
termasuk pada entry level. Berdasarkan dengan ketentuan with applicable statutory provisions, the Company provides
perundang-undangan yang berlaku, Perseroan memberikan remuneration to the lowest class of employees above the
remunerasi kepada karyawan golongan terendah diatas minimum wage set by the Government. The comparison of
UMR yang ditetapkan oleh Pemerintah. Perbandingan the lowest employee remuneration to the minimum wage is
remunerasi karyawan terendah terhadap UMR disajikan pada presented in the following table:
tabel berikut:
Tabel Remunerasi Karyawan Terendah dan UMR 2023
Table of Lowest Employee Remuneration and Regional Minimum Wage 2023
Imbal Jasa Karyawan
Kantor UMR (Rp)
Propinsi Tingkat Terendah (Rp) Rasio
No Regional Minimum
Office Province Lowest Level Employees’ Fees Ratio
Wage (IDR)
(IDR)
1. Kantor Pusat & Cabang Kelapa Gading
DKI Jakarta 4.901.798,00 5.000.000,00 1,02
Kelapa Gading Head and Branch office
2. Cabang Bandung & Cirebon Jawa Barat
4.048.462,69 4.500.000,00 1,11
Bandung & Cirebon Branch Office West Java
3. Cabang Semarang Jawa Tengah
3.060.348,78 6.480.000,00 2,12
Semarang Branch Office Central Java
4. Cabang Surabaya Jawa Timur
4.525.479,19 6.567.500,00 1,45
Surabaya Branch Office East Java
5. Cabang Balikpapan Kalimantan Timur
3.324.273,80 5.319.942,00 1,60
Balikpapan Branch Office East Kalimantan
6. Cabang Makassar Sulawesi Selatan
3.523.181,00 5.371.940,00 1,52
Makassar Branch Office South Sulawesi
7. Cabang Lampung
Lampung 2.991.349,35 4.000.000,00 1,34
Lampung Branch Office
8. Cabang Medan Sumatera Utara
3.624.117,59 6.111.536,00 1,69
Medan Branch Office North Sumatera
9. Cabang Palembang Sumatera Selatan
3.565.409,00 4.000.000,00 1,12
Palembang Branch Office South Sumatera
10. Cabang Denpasar
Bali 2.994.646,14 5.260.057,00 1,76
Denpasar Branch Office
11. Cabang Pekanbaru
Riau 3.319.023,16 3.700.000,00 1,11
Pekanbaru Branch Office
Di samping remunerasi berupa gaji, Perseroan juga In addition to remuneration in the form of salary, the
memberikan kompensasi total tahunan mencakup Company also provides total annual compensation including
bonus, pemberian saham, pemberian opsi, kompensasi bonuses, share awards, option grants, non-equity incentive
program insentif nonekuitas, perubahan nilai pensiun, program compensation, changes in pension value, and
dan nonqualified deferred compensation earning nonqualified deferred compensation earnings (compensation
(pendapatan kompensasi yang ditangguhkan dan belum income that is deferred and cannot yet be counted as
136 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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dapat diperhitungkan sebagai pendapatan) yang diberikan income) which is given for one year. The compensation policy selama satu tahun. Kebijakan kompensasi tersebut, considers all of the following: mempertimbangkan semua hal berikut: 1. Gaji pokok, yang merupakan jumlah kompensasi tunai 1. Basic salary, which is a fixed (non-variable), short-term, tetap (nonvariabel), jangka pendek, dan terjamin; guaranteed amount of cash compensation; 2. Kompensasi tunai total, yang merupakan jumlah 2. Total cash compensation, which is the sum of basic salary gaji pokok dan tunjangan uang tunai, bonus, komisi, and cash allowances, bonuses, commissions, cash profit pembagian laba tunai, dan bentuk lain dari variabel sharing, 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 total 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 saham stock or stock units, performance stock or stock units, kinerja, saham phantom, hak apresiasi saham, dan phantom stock, stock appreciation rights, and long-term penghargaan tunai jangka panjang). cash awards). Rasio kompensasi total tahunan yang berlaku di Perseroan The annual total compensation ratio applicable to the tahun 2023 sebesar 155,42%. Company in 2023 is 155.42%. Lingkungan Kerja yang Layak dan Aman [OJK F.21] Decent and Safe Working Environment [OJK F.21] Lingkungan kerja yang sehat dan aman sesuai kaidah A healthy and safe work environment in accordance with Keselamatan dan Kesehatan Kerja (K3) berkontribusi Occupational Safety and Health (OHS) principles contributes besar terhadap performa dan kinerja karyawan. Pentingnya greatly to employee performance. The Company places lingkungan kerja yang sehat dan aman, Perseroan the importance of a healthy and safe work environment menempatkan hal itu sebagai prioritas seperti penerapan as a priority, such as implementing health protocols and protokol kesehatan dan kepatuhan terhadap peraturan complying with government regulations regarding potential pemerintah terkait potensi penyakit berisiko seperti risky diseases such as the COVID-19 pandemic several years pandemic COVID-19 beberapa tahun yang lalu. Oleh karena ago. Therefore, in this reporting period, OHS issues are itu, pada periode pelaporan ini, isu K3 menjadi topik yang topics that need to be addressed regarding work safety and perlu untuk disampaikan berkaitan dengan keselamatan dan security (GRI 403). [GRI 3-1] keselamatan kerja (GRI 403). [GRI 3-1] Upaya-upaya untuk mewujudkan lingkungan kerja yang aman The Company makes the efforts to create a safe and dan sehat dilakukan Perseroan, salah satunya dengan healthy work environment, one of which is by ensuring memastikan terlaksananya setiap prosedur dan tahapan the implementation of every procedure and work stage in kerja sesuai aturan dan pedoman Sistem Manajemen accordance with the rules and guidelines of the Occupational Keselamatan dan Kesehatan Kerja (SMK3). Hal itu berlaku Safety and Health Management System (OHSMS). This untuk semua pihak yang terlibat dalam operasional dan applies to all parties involved in the Company’s operations mata rantai Perseroan, mulai dari karyawan, manajemen, and chain, from employees, management, work partners, to mitra kerja, hingga konsumen/pelanggan. [GRI 3-2] consumers/customers. [GRI 3-2] Evaluasi pendekatan manajemen terhadap penerapan Evaluation of management approaches to the keselamatan dan Kesehatan kerja dilakukan secara implementation of occupational safety and health executed berkelanjutan oleh HCS Group. HCS Group melakukan on an ongoing basis by the HCS Group. HCS Group monitors pemantauan pelaksanaan K3, fasilitas kerja terkait the implementation of K3, work facilities related to K3 kebutuhan K3, dan monitoring tingkat kecelakaan kerja. Hasil needs, and monitors the level of work accidents. The evaluasi dilaporkan kepada manajemen untuk perbaikan evaluation results are reported to management to improve pelaksanaan K3 pada periode berikutnya. [GRI 3-3] K3 implementation in the following period. [GRI 3-3] PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 137
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
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 has implemented Occupational Safety
Keselamatan dan Kesehatan kerja (SMK3) sebagai bentuk and Health Management System (SMK3) as a form of
komitmen, dukungan manajemen, dan partisipasi karyawan commitment, management support, and active employee
secara aktif dalam menyelenggarakan keselamatan kerja di participation in implementing work safety in every aspect
setiap aspek karyawanan. Dalam rangka menindaklanjuti of the employment. To follow up on the implementation of
penerapan Undang-Undang No. 13 Tahun 2003 tentang Law no. 13 of 2003 concerning Manpower which requires
Ketenagakerjaan yang mewajibkan perusahaan untuk companies to establish an occupational safety and health
menetapkan sistem manajemen keselamatan dan kesehatan management system that is integrated with the Company’s
kerja yang terintegrasi dengan sistem manajemen Perseroan, management system, Tugu Insurance has formed a special
maka Tugu Insurance telah membentuk tim khusus yaitu team, namely the Health, Safety, Security & Environment
Tim Health, Safety, Security & Environment (HSSE) yang (HSSE) Team which is established by Directors’ Decree No.
ditetapkan dengan Surat Keputusan Direksi No. 011/SKD/ 011/SKD/CSG/TPI/V/2017 dated 24 May 2017.
CSG/TPI/V/2017 tanggal 24 Mei 2017.
Ruang lingkup karyawanan Tim HSSE adalah sebagai berikut: The scope of the HSSE Team’s work is as follows:
1. Membuat program kerja Keselamatan dan Kesehatan 1. Create an Occupational Safety and Health (K3) work
Kerja (K3) dan perencanaan implementasinya; program and plan its implementation;
2. Melaksanakan dan memastikan pelaksanaan program K3 2. Implement and ensure the implementation of K3 and
serta HSSE sesuai ketentuan, pedoman, dan peraturan HSSE programs in accordance with applicable provisions,
perundangan yang berlaku; guidelines and statutory regulations;
3. Melakukan promosi/kampanye HSSE dan safety 3. Carry out HSSE promotions/campaigns and safety
communication (safety meeting dan rambu-rambu HSSE) communication (safety meetings and HSSE signs)
kepada karyawan; to employees;
4. Memberikan laporan atas pelaksanaan kegiatan HSSE. 4. Provide reports on the implementation of HSSE activities.
Pelayanan Kesehatan dan Keselamatan Kerja Occupational Health and Safety Services
Sebagai bagian tak terpisahkan dari penerapan SMK3, selain As an integral part of implementing SMK3, in addition
keselamatan kerja, Tugu Insurance memberikan perhatian to work safety, Tugu Insurance pays equal attention to
yang sama terkait kesehatan kerja karyawan. Dalam hal employee’s work health. In terms of health and safety in
kesehatan dan keselamatan di lingkungan kerja, Perseroan the work environment, the Company carries out hazard
melakukan identifikasi bahaya, penilaian risiko dan identification, risk assessment and investigation of work
investigasi insiden kecelakaan kerja. Tugu Insurance juga accidents. Tugu Insurance also provides health benefits
menyediakan manfaat kesehatan bagi semua karyawan dan for all employees and their family members. All employees
anggota keluarganya. Semua karyawan berhak mendapatkan are entitled to health benefits according to their respective
manfaat Kesehatan sesuai dengan tingkatan (grade) masing- levels, in the form of guaranteed hospitalization for
masing, dalam bentuk Jaminan rawat inap bagi karyawan dan employees and their families. Meanwhile, the outpatient
keluarga. Sementara itu, jaminan rawat jalan yang diberikan coverage provided is for eye care, dental care, coverage for
adalah untuk perawatan mata, perawatan gigi, jaminan biaya maternity costs, and radiology examinations. [GRI 403-2,
persalinan, dan pemeriksaan radiologi. [GRI 403-2, 403-3] 403-3]
Selain itu, Perseroan menyediakan layanan dokter bagi In addition, the Company provides doctor services for
karyawan dan pemberian fasilitas Medical Check Up. employees and provides Medical Check Up facilities. This
Fasilitas ini bertujuan memberikan kesempatan kepada facility aims to provide employees with the opportunity
karyawan untuk berkonsultasi dan berkomunikasi tentang to consult and communicate about personal health. In
kesehatan personal. Pada periode pelaporan, tidak terdapat the reporting period, there were no illnesses caused by
penyakit yang diakibatkan oleh pekerjaan. Perseroan juga work. The Company also provides facilities for employees
menyediakan sarana bagi karyawan untuk berpartisipasi to participate and communicate regarding issues of
dan berkomunikasi terkait isu perbaikan dalam menciptakan improvement in creating an environment that meets
lingkungan yang memenuhi kesehatan dan keselamatan occupational health and safety. [GRI 403-4, 403-6, 403-10]
kerja. [GRI 403-4, 403-6, 403-10]
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Sementara untuk memastikan keselamatan kerja di lokasi On the other hand, to ensure work safety at office locations, kantor, Tugu Insurance menggunakan gedung yang telah Tugu Insurance uses buildings that have safety standards. memiliki standar keselamatan. Setiap Gedung dilengkapi Each building is equipped with safety devices such as dengan perangkat keselamatan seperti Sprinkler Otomatis, automatic sprinklers, hydrant installations, light fire Instalasi Hidran, Alat Pemadam Api Ringan (APAR), Alat extinguishers (APAR), smoke detectors, emergency stairs pendeteksi Asap, Tangga Darurat dan Peralatan Pertolongan and first aid equipment. The Company carries out routine Pertama (First Aids). Perseroan melakukan pemeriksaan inspections to support the effective use of safety devices. secara rutin untuk mendukung efektifitas penggunaan [GRI 403-7] perangkat keselamatan. [GRI 403-7] Perseroan juga melakukan upaya-upaya pencegahan dan The Company also makes efforts to prevent and mitigate mitigasi dampak dari keselamatan dan kesehatan kerja the impact of occupational safety and health which are yang secara langsung terkait hubungan bisnis. Upaya-upaya directly related to business relationships. These efforts tersebut diantaranya, pelatihan bagi karyawan mengenai include training for employees regarding occupational safety keselamatan dan kesehatan kerja, pelatihan pengoperasian and health, training in the operation of safety devices and perangkat keselamatan serta menunjuk penanggung jawab appointing a person responsible for OHS management. All pengelola K3. Semua karyawan tanpa terkecuali sebagai employees, without exception, are objects covered by the obyek tercakup dalam sistem manajemen keselamatan dan occupational health and safety management system. In Kesehatan kerja. Secara umum, jenis pekerjaan di Perseroan general, this type of work at the Company does not have tidak memiliki risiko fatalitas dan konsekuensi tinggi. Oleh a high risk of fatalities or consequences. Therefore, in the karena itu, pada periode pelaporan juga tidak terdapat reporting period there were no incidents in the form of work insiden berupa kecelakaan kerja. Dukungan kebijakan accidents. Supporting policies relevant to other OHS, Tugu yang relevan dengan K3 lainnya, Tugu Insurance telah Insurance has included all employees (100%) in the BPJS mengikutsertakan semua karyawan (100%) pada program Employment and BPJS Health programs. [GRI 403-5, 403-7, BPJS Ketenagakerjaan dan BPJS Kesehatan. [GRI 403-5, 403-8, 403-9] 403-7, 403-8, 403-9] Pelatihan dan Pengembangan [OJK F.22] Training and Development [OJK F.22] Tugu Insurance memandang pendidikan dan pelatihan Tugu Insurance views education and training as one of merupakan salah satu kebijakan strategis dalam the strategic policies in increasing employee capacity and meningkatkan kapasitas dan kapabilitas karyawan yang capability which ultimately makes a substantial contribution pada akhirnya memberi kontribusi substansial bagi to the Company’s progress. Realizing the importance of kemajuan Perseroan. Menyadari pentingnya pengembangan employee development, the Company pays serious attention karyawan, Perseroan memberikan perhatian serius dengan to holding training and competency development, such as mengadakan pelatihan dan pengembangan kompetensi, professional training, certification and increasing employee seperti pelatihan profesional, sertifikasi serta peningkatan motivation. This also makes employee issues a topic that motivasi karyawan. Hal ini juga menjadikan isu karyawan needs to be raised in the reporting period, especially related sebagai topik yang perlu untuk dikemukakan pada periode to training and education (GRI 404). [GRI 3-1] pelaporan terutama terkait dengan pelatihan dan pendidikan (GRI 404). [GRI 3-1] Sementara itu, adanya program peningkatan kompetensi Meanwhile, the competency improvement program is tersebut diharapkan dapat meningkatkan kepuasan dan expected to increase employee satisfaction and loyalty to loyalitas karyawan pada Perseroan. Tugu Insurance memberi the Company. Tugu Insurance provides opportunities for all kesempatan kepada seluruh insan Perseroan untuk Company personnel to continue their education, receive melanjutkan pendidikan mereka, mendapatkan promosi, promotions, develop careers and obtain various other rights mengembangkan karir dan memperoleh berbagai hak lainnya stated in the Collective Bargaining Agreement (PKB) in yang tercantum dalam Perjanjian Kerja Bersama (PKB) accordance with applicable regulations and laws. [GRI 3-2] sesuai peraturan dan perundangan yang berlaku. [GRI 3-2] PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 139
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Tugu Insurance telah merumuskan strategi, kebijakan, Tugu Insurance has formulated strategies, policies and
dan program pengembangan bagi seluruh karyawan untuk development programs for all employees to provide
menghadirkan karyawan dengan kualitas terbaik, sekaligus employees with the best quality, as well as evaluating various
mengevaluasi berbagai kebijakan yang sudah berjalan agar existing policies so that improvements can be made if
bisa dilakukan perbaikan apabila ada yang dinilai kurang. anything is deemed lacking. Through such a mechanism, the
Melalui mekanisme seperti itu, Perseroan optimistis bisa Company is optimistic that it can provide reliable employees
menghadirkan karyawan andal, memiliki kapasitas, dedikasi with capacity, dedication and loyalty so that they can become
dan loyalitas sehingga bisa menjadi tulang punggung the backbone of the Company. [GRI 3-3]
perusahaan. [GRI 3-3]
Rata-rata Jam Pelatihan Per Tahun Per Karyawan Average Annual Training Hours Per Employee
Tugu Insurance menyelenggarakan dan mengikutsertakan Tugu Insurance organizes and involves employees in various
karyawan pada beragam jenis pelatihan untuk memenuhi types of training to meet HR competency needs. Training is
kebutuhan kompetensi SDM. Pelaksanaan pelatihan via face-to-face or virtual model according to conditions. In
dilakukan dengan model tatap muka atau virtual sesuai 2023, the Company has organized education and training
dengan kondisi. Selama tahun 2023, Perseroan telah activities as many as 236 participation programs carried out
menyelenggarakan pendidikan dan pelatihan sebanyak by 432 employees with an average training hour reaching
236 program keikutsertaan yang dilakukan oleh 432 56,3 hours per employee. In addition, employees participate
karyawan dengan rata-rata jam pelatihan mencapai 56,3 in various activities to develop competencies, both in the
jam per karyawan. Selain itu, karyawan berpartisipasi dalam implementation of sustainable finance and sustainability
berbagai kegiatan untuk pengembangan kompetensi, baik performance covering environmental, economic, social and
dalam penerapan keuangan berkelanjutan, maupun kinerja governance topics. [GRI 404-1]
keberlanjutan yang mencakup topik-topik lingkungan,
ekonomi, sosial, dan tata kelola. [GRI 404-1]
Tabel rata-rata pelatihan 2023
Table of training average 2023
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
274 7.348 26,8
Male
Perempuan
158 4.659 29,5
Female
Jumlah
432 12.007 56,3
Total
Kategori
Category
Tetap
355 10.547 29,7
Permanent
Kontrak
77 1460 26,6
Contractual
Jumlah
432 12.007 56,3
Total
Program Keterampilan Karyawan dan Program Employee Skills Program and Transition
Bantuan Peralihan Assistance Program
Perseroan memberikan apresiasi dan penghargaan kepada The Company appreciates and recognizes employees who
para karyawan yang telah mendedikasikan dirinya hingga have dedicated themselves to retirement with various
menjelang masa pensiun dengan beragam pelatihan sebagai training as provisions and preparation for retirement. Tugu
bekal dan persiapan pensiun. Ketentuan usia pensiun Tugu Insurance’s retirement age is 55 years according to statutory
Insurance adalah 55 tahun sesuai peraturan perundangan- regulations.
undangan.
140 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Sementara itu, jenis program pelatihan dan bantuan yang Meanwhile, the types of training programs and assistance
diberikan untuk meningkatkan keterampilan karyawan provided to improve employee skills include training with
meliputi Pelatihan dengan cakupan materi antara lain: [GRI material coverage including: [GRI 404-2]
404-2]
1. Pengelolaan keuangan dimasa purna bakti; 1. Financial management during retirement;
2. Mengelola kesehatan dimasa purna bakti; 2. Managing health during retirement;
3. Mengelola psikologis dimasa purna bakti. 3. Managing psychology during retirement.
Penilaian Kinerja Karyawan Employee Performance Assessment
Penilaian atau review kinerja bertujuan untuk meningkatkan Performance assessment or reviews aim to improve work
prestasi kerja dan memberi kesempatan kerja adil serta performance and provide fair work opportunities as well as
bentuk apresiasi sesuai kontribusi masing-masing karyawan. a form of appreciation according to the contribution of each
Sistem penilaian kinerja di Tugu Insurance menggunakan KPI employee. The performance assessment system at Tugu
(Key Performance Indicator) yang mengacu kepada konsep Insurance uses KPI (Key Performance Indicator) which refers
Balanced Score Card (BSC). Konsep ini terdiri dari perspektif to the Balanced Score Card (BSC) concept. This concept
Financial, Customer Focus, Internal Process dan Learning & consists of Financial, Customer Focus, Internal Process and
Growth. Learning & Growth perspectives.
Pada tahun 2023, setiap indikator perspektif terdiri dari In 2023, each perspective indicator consists of indicators
indikator yang merupakan turunan dari KPI Direksi secara which are derivatives of the Board of Directors’ KPI collegial
kolegial Lingkup AP Services PT Pertamina (Persero), PT Pertamina (Persero) AP Services Scope, Company
Rencana Kerja dan Anggaran Perusahaan (RKAP) dan hasil Work Plan and Budget (RKAP) and the results of the
Planning Cycle 2023. Penilaian kinerja ini dilakukan satu 2023 Planning Cycle. This performance assessment is
kali dalam setahun. Pada akhir tahun karyawan melakukan accomplished once a year. At the end of the year, employees
penilaian self assessment sesuai dengan KPI yang telah carry out a self-assessment in accordance with the agreed
disepakati, dan dilanjutkan dengan penilaian akhir oleh KPIs, and continue with a final assessment by their
atasan masing-masing. Berdasarkan hasil penilaian respective superiors. Based on the assessment results, all
tersebut, semua karyawan (100%) mendapatkan peninjauan employees (100%) receive regular performance and career
rutin kinerja dan pengembangan karir. [GRI 404-3] development reviews. [GRI 404-3]
Perjanjian Perundingan Kolektif [GRI 2-30] Collective Bargaining Agreement [GRI 2-30]
Salah satu tujuan utama dari terselenggaranya hubungan One of the main objectives of implementing industrial
industrial adalah untuk menciptakan kerja sama yang relations is to create healthy and harmonious cooperation
sehat dan harmonis antara manajemen perusahaan dan between Company management and employees. The
karyawan. Perseroan memerhatikan setiap hak dasar para Company pays attention to every basic right of its employees,
karyawannya, sesuai prinsip-prinsip persamaan, keadilan dan in accordance with the principles of equality, justice and
kehormatan. Tugu Insurance menjunjung tinggi penerapan respect. Tugu Insurance upholds the implementation of
HAM dalam perusahaan, diantaranya kebebasan berserikat human rights within the Company, including freedom of
melalui wadah serikat pekerja sebagai sarana membangun association through workers union as a means of building
hubungan industrial dengan manajemen. industrial relations with management.
Serikat Pekerja (SP) Tugu Insurance telah resmi tercatat Tugu Insurance Workers Union (SP) has been officially
di Dinas Tenaga Kerja dengan Nomor Bukti Pencatatan: registered with the Manpower Service with Registration
04/V/P/III/2001, tanggal pencatatan 8 Maret 2001. Tim Proof Number: 04/V/P/ III/2001, recording date 8 March
Perunding PKB Periode 2022-2024 pada tahun 2019 telah 2001. The CBA Negotiating Team for the 2022-2024 Period
menyelesaikan perundingan Perjanjian Kerja Bersama. Hasil in 2019 has completed the Collective Bargaining Agreement
perundingan adalah ditandai dengan penandatanganan negotiations. The results of the negotiations were marked by
Perjanjian Kerja Bersama tanggal 11 Mei 2022 oleh kedua the signing of the Collective Bargaining Agreement dated 11
pihak yaitu pihak Manajemen dengan pihak Serikat Pekerja. May 2022 by both parties, namely the Management and the
Workers Union.
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 141
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Masyarakat
Community
Masyarakat merupakan kelompok pemangku kepentingan The community is a stakeholder group that has an important
yang memiliki posisi penting baik sebagai subjek maupun position as both subject and object in the Company’s
objek dalam rantai bisnis perusahaan. Sebagai penerima business chain. As beneficiaries of the Company’s products
manfaat produk atau layanan Perseroan, masyarakat or services, the community has an influence on achieving
berpengaruh dalam pencapaian kinerja dan keberlanjutan business performance and sustainability.
usaha.
Sementara hadirnya produk asuransi bertujuan membantu Meanwhile, the presence of insurance products aims to
kebutuhan masyarakat melalui penyediaan instrumen/ help people’s needs through the provision of financial
fasilitas keuangan. Dengan demikian, bisnis asuransi instruments/facilities. This way, the insurance business
berperan turut mengemban risiko untuk meringankan plays a role in carrying risks to ease the burden on society.
beban masyarakat. Selain dari sisi usaha, Tugu Insurance Apart from the business side, Tugu Insurance also actively
juga berpartisipasi aktif dalam peningkatan kualitas hidup participates in improving the quality of life and empowering
dan pemberdayaan ekonomi masyarakat melalui program the community’s economy through its social responsibility
tanggung jawab sosialnya. Perusahaan meyakini, keberadaan program. The Company believes that the existence of Tugu
Tugu Insurance dapat memberi manfaat yang seluas- Insurance can provide the widest possible benefits to the
luasnya bagi masyarakat, di samping turut meningkatkan community, in addition to increasing the growth of the
pertumbuhan kinerja Perseroan. Oleh karena pentingnya Company’s performance. Because of the importance of
hubungan timbal balik antara masyarakat dan Perseroan, the reciprocal relationship between the community and the
maka Tugu Insurance menjadikan isu masyarakat (GRI 413) Company, Tugu Insurance makes community issues (GRI
sebagai topik yang perlu untuk diungkapkan pada periode 413) a topic that needs to be disclosed in the reporting
pelaporan. [GRI 3-1] period. [GRI 3-1]
Tugu Insurance menjaga dan menerapkan prinsip- Tugu Insurance maintains and applies the principles
prinsip hubungan timbal balik dalam pengelolaan bisnis, of reciprocal relationships in business management,
sebagaimana dituangkan dalam Surat Keputusan Direksi as stated in Decree of the Board of Directors No.01/
No.01/SKD/06/ERL-ATPI/I/2022 tanggal 6 Januari 2022 SKD/06/ERL-ATPI/I/2022 dated 6 January 2022 regarding
tentang Penerbitan Pedoman Tanggung Jawab Sosial dan the Issuance of Corporate Social and Environmental
Lingkungan Perusahaan No. A-001/7100/2021. Dalam Responsibility Guidelines No. A-001/7100/2021. To achieve
rangka efektifitas kebijakan ini, Perseroan menunjuk the effectiveness of this policy, the Company appoints
Corporate Secretary yang membawahi fungsi Government, the Corporate Secretary in charge of the Government,
PR & CSR Departemen Department untuk bertanggung PR & CSR Department function to be responsible for the
jawab terhadap pelaksanaan strategi dan pengembangan implementation of strategies and the development of
program CSR di lingkungan Tugu Insurance, sebagaimana CSR programs within Tugu Insurance, as stipulated in the
diatur dalam Pedoman Pengelolaan Corporate Secretary Corporate Secretary Management Guidelines No. A14-001/
No. A14-001/N00000/2020-S9 dan Tata Kerja Organisasi N00000/2020-S9 and the CSR organization structure in
Pelaksanaan Tanggung Jawab Sosial dan Lingkungan accordance with the Decree of the Board of Directors No.
Perusahaan No. B-001/7100/2022, serta struktur 169/SKD/04/HCM-OPR/ATPI/2023.
organisasi TJSL sesuai Surat Keputusan Direksi No. 169/
SKD/04/HCM-OPR/ATPI/2023.
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Adapun struktur organisasi TJSL dapat dilihat sebagai The CSR organization structure is shown as follows:
berikut: [GRI 3-2] [GRI 3-2]
Presiden Direktur
President Director
Sekretaris Perusahaan
Corporate Secretary
Government, PR & CSR Department
Selain itu, Tugu Insurance telah menyusun sebuah “road In addition to that, Tugu Insurance has prepared a “road
map” atau rencana jangka panjang sebagai panduan untuk map” or long-term plan as a guideline for building a directed
membangun strategi yang terarah dan berkesinambungan. and sustainable strategy. With this, the Company can ensure
Dengan demikian, Perusahaan dapat memastikan the achievement of CSR goals effectively and with maximum
pencapaian tujuan CSR yang efektif dan berdampak impact on society. [GRI 3-3]
maksimal kepada masyarakat. [GRI 3-3]
Visi, Misi dan Strategi TJSL
TJSL’s Vision, Mission, and Strategy
Menjadi Perusahaan Asuransi Umum yang memiliki kepedulian sosial
VISI
tinggi terhadap masyarakat dan lingkungan dalam upaya menunjang
pertumbuhan ekonomi nasional berkelanjutan.
Become a General Insurance Company with high social awareness
VISION towards the community and the environment in an effort to support
sustainable national economic growth.
• Melaksanakan komitmen korporat atas • Implement corporate commitment to
Corporate Social Responsibility (CSR)/ Corporate Social Responsibility (CSR)/Social
Tanggung Jawab Sosial dan Lingkungan and Environmental Responsibility which will
yang akan memberikan nilai tambah kepada provide added value to all stakeholders to
semua pemangku kepentingan (Stakeholders) support Company’s sustainable growth;
untuk mendukung pertumbuhan perusahaan
secara berkesinambungan;
• Melaksanakan tanggung jawab korporat • Carry out corporate responsibility as well
dan kepedulian sosial serta lingkungan as social and environmental concerns
untuk sebuah peran serta aktif dalam for active participation in sustainable
pembangunan masyarakat Indonesia Indonesian development;
MISI
yang berkelanjutan;
• Membangun hubungan yang harmonis • Build a harmonious and conducive
dan kondusif dengan semua pemangku relationship with all stakeholders to support
kepentingan (stakeholders) untuk mendukung the achievement of corporate goals,
MISSIONS pencapaian tujuan korporasi terutama dalam
membangun citra dan reputasi korporasi.
especially in building corporate image
and reputation.
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Berdasarkan Visi dan Misi TJSL tersebut, Perseroan Based on the TJSL Vision and Mission, the Company
merumuskan arahan strategis pada pelaksanaan program formulates strategic directions for implementing the CSR
CSR yaitu sebagai berikut: program, namely as follows:
1. Memberikan kontribusi pada Pilar-pilar Bakti TUGU, yang 1. Contribute to the pillars of Bakti TUGU, which focus on the
berfokus pada bidang kesehatan dan keselamatan, areas of health and safety, environment, education and
lingkungan hidup, pendidikan dan literasi keuangan, serta financial literacy, and community empowerment;
pemberdayaan masyarakat;
2. Memprioritaskan penerima manfaat atau kontribusi 2. Prioritize beneficiaries or contributions in the immediate
di sekitar wilayah terdekat operasional Perseroan dan area of the Company’s operations and Shareholders, or
Shareholders, ataupun yang berkaitan langsung dengan those directly related to the impact of the Company’s
dampak aktivitas Perseroan, para valued clients maupun activities, valued clients and the Company’s best
mitra bisnis terbaik Perusahaan; business partners;
3. Meningkatkan reputasi positif Tugu Insurance, efisiensi 3. Increase Tugu Insurance’s positive reputation, efficiency
dan pertumbuhan usaha. and business growth.
Sebagai sarana perbaikan dan evaluasi terhadap As a means of improving and evaluating program
pelaksanaan program, Perseroan melakukan penilaian/ implementation, the Company carries out assessments
assessment terkait keadaan dan kebutuhan masyarakat, regarding the conditions and needs of the community, so
sehingga seluruh program CSR Tugu Insurance dapat that all Tugu Insurance CSR programs can be right on target
tepat sasaran dan optimal memberikan nilai manfaat and provide optimal value for the benefit of the community.
bagi masyarakat.
Dampak Operasi terhadap Masyarakat [OJK F.23] Impact of Operations on Society [OJK F.23][GRI
[GRI 413-1, 413-2, 203-2] 413-1, 413-2, 203-2]
Secara praktis, pengelolaan usaha asuransi tidak In practical terms, managing the insurance business does
menimbulkan dampak negatif kepada masyarakat not have a negative impact on society because its presence
karena kehadirannya membantu tersedianya layanan helps provide financial services. On the contrary, the
keuangan. Justru sebaliknya, kehadiran produk asuransi presence of Tugu Insurance’s insurance products and CSR
dan kegiatan CSR Tugu Insurance memberikan dampak activities has had a positive impact and benefits for the
positif serta manfaat bagi masyarakat umum. Selain general public. In addition to insurance service products,
produk layanan asuransi, Perseroan memberikan perhatian the Company provides attention and care to the community
dan kepedulian kepada masyarakat dalam program CSR in its CSR program with Bakti TUGU (United Action for
dengan kegiatan Bakti TUGU (Bersatu Aksi Kepedulian Tugu Tugu Insurance) activities covering 4 (four) pillars, namely:
Insurance) meliputi 4 (empat) pilar yaitu: 1) Kesehatan 1) Health and safety; 2) The Environment; 3) Community
dan keselamatan; 2) Lingkungan hidup; 3) Pemberdayaan empowerment; and 4) Financial education and literacy. In
masyarakat; dan 4) Pendidikan dan literasi keuangan. Selain addition, the Company also assists in the sectors of social,
itu, Perseroan juga melakukan bantuan dibidang sosial, religious, and cultural arts.
keagamaan, dan seni budaya.
Pilar Kesehatan dan Keselamatan [GRI 203-2] Health and Safety Pillar [GRI 203-2]
Tugu Insurance turut berkontribusi dalam menghadirkan Tugu Insurance contributes to providing a healthy life,
kehidupan yang sehat, mengutamakan keselamatan dan prioritizing safety, and promoting welfare for the community.
mendorong kesejahteraan bagi masyarakat. Selama periode During disaster management activities, the Company
pelaporan, Perseroan menyediakan program Ambulance provides a Free Ambulance program and health post
Gratis wilayah jabodetabek dan bantuan kesehatan untuk services to the general public. Throughout the reporting
masyarakat. Perseroan juga melakukan program Donor period, the Company provided a Free Ambulance program
Darah dan vaksinasi booster ke 2 yang dikelola melalui for the Jabodetabek area and health care assistance for the
fungsi Human Capital Management. community. The Company also conducted Blood Donation
and 2nd booster vaccination programs managed through the
Human Capital Management function.
144 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Sementara itu, untuk membantu penurunan tingkat Meanwhile, to help reduce the rate of traffic accidents, Tugu
kecelakaan lalu lintas, Tugu Insurance juga kerap melakukan Insurance often provides education regarding the importance
edukasi mengenai pentingnya menjaga keselamatan saat of maintaining safety when driving. This campaign was done
berkendara. Kampanye ini dilakukan secara virtual dengan virtually by involving the general public and members of
melibatkan masyarakat umum dan anggota komunitas the automotive community. The following are the activities
otomotif. Berikut ini adalah kegiatan yang dilakukan dalam carried out in the Health & Safety Pillar:
Pilar Kesehatan & Keselamatan:
Tabel Program Pilar Kesehatan & Keselamatan 2023
Table of Health and Safety Pillar Program 2023
Kegiatan Tanggal Pelaksanaan
Activities Implementation Date
Pancawarsa Alanbikers.com Maret 2023
Fifth Anniversary of Alanbikers.com March 2023
Bantuan Akomodasi Medis dan Kebutuhan Nutrisi Anak Penderita Kanker Februari 2023
Medical Accommodation Assistance and Nutritional Need for Children with Cancer February 2023
Pembangunan Fasilitas Air Bersih di Desa Sukamanah, Sumedang April 2023
Installation of Clean Water Facilities in Sukamanah Village, Sumedang April 2023
Sosialisasi mudik dalam kegiatan Mudik Bareng Sehat dan Selamat April 2023
Socialization of homecoming for the Healthy and Safe Homecoming program. April 2023
Webinar kesehatan dengan judul "Puasa Sehat Produktif Dunia Akhirat bersama BPJS Kesehatan"
April 2023
Health webinar with the title "Healthy Fasting and be Productive in this World and in the Hereafter
April 2023
with BPJS Kesehatan"
Ambulance Gratis (wilayah Jabodetabek) Januari-Desember 2023
Free Ambulance (Jabodetabek area) January-December 2023
Donor Darah November 2023
Blood Donation November 2023
Vaksinasi Booster ke-2 Juni 2023
2nd booster vaccination June 2023
Pilar Lingkungan Hidup Environmental Pillar
Tugu Insurance memberikan dukungan terhadap berbagai Tugu Insurance provides support for various activities for
aktivitas untuk pelestarian lingkungan yang berkelanjutan, sustainable environmental preservation, as well as carrying
serta melakukan kegiatan-kegiatan guna berkontribusi dalam out activities to contribute to overcoming climate change
mengatasi perubahan iklim beserta dampaknya. Dukungan and its impacts. This support is proven by the Company’s
tersebut dibuktikan dengan peran Perseroan menjadi Leader role as the Leader of the Ship Wreck Removal Insurance
Konsorsium Asuransi Penyingkiran Kerangka Kapal termasuk Consortium including Pollution Liability at sea. Additionally,
Tanggung Jawab Polusi di laut. Selain itu, bentuk dukungan another form of support is in the form of TJSL activities for
lainnya berupa kegiatan TJSL untuk pelestarian hutan. Pada forest conservation. In the reporting period, the Company
periode pelaporan, Perseroan memberikan donasi sebanyak donated 2,350 plants in Jakarta, West Java, Central Java,
2.350 tanaman di wilayah Jakarta, Jawa Barat, Jawa and Bali, with total funds reaching to IDR100.50 million.
Tengah, dan Bali, dengan total dana mencapai Rp100,50 Moreover, in the reporting period, the Company also planted
juta. Selain itu, pada periode pelaporan, Perseroan juga 250 mangrove plants and built a 20-meter boardwalk
melakukan penanaman sejumlah 250 tanaman mangrove infrastructure in Muara Angke Wildlife Sanctuary, North
dan pembangunan infrastruktur boardwalk sepanjang 20 Jakarta by using the 2022 accrual budget of IDR265 million.
meter di Suaka Margasatwa Muara Angke, Jakarta Utara This donation aims to preserve forests, as well as increase
dengan menggunakan anggaran akrual tahun 2022 sebesar the economic income of communities in the area.
Rp265 juta. Donasi ini bertujuan untuk melestarikan hutan,
serta meningkatkan pendapatan ekonomi masyarakat di
wilayah tersebut.
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 145
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Berikut ini adalah kegiatan yang dilakukan dalam Pilar The following are the activities carried out in the
Lingkungan Hidup: Environmental Pillar:
Tabel Program Pilar Lingkungan Hidup 2023
Table of Environment Pillar Program 2023
Kegiatan Tanggal Pelaksanaan
Activities Implementation Date
Penanaman 250 bibit Pohon Mangrove dan Pembangunan Infrastruktur Boardwalk sepanjang 20
meter di Suaka Margasatwa Muara Angke, Jakarta Utara dalam kegiatan Mangrove untuk Jakarta* Maret 2023
Planting 250 Mangrove Tree seedlings and 20 meters Boardwalk Infrastructure Development in March 2023
Muara Angke Wildlife Sanctuary, North Jakarta as part of Mangrove for Jakarta activity*
Penanaman 350 Bibit Mangrove dalam kegiatan BAF Eco Move Mei 2023
Planting 350 Mangrove Seedlings as part of BAF Eco Move activity May 2023
Penanaman 2000 Bibit Pohon Produktif di Semarang, Jawa Tengah dalam kegiatan Nandur Pohon
Sareng Tugu November 2023
Planting 2,000 Productive Plants Seedlings in Semarang, Central Java as part of Nandur Pohon November 2023
Sareng Tugu activity
*) Pelaksanaan kegiatan menggunakan budget akrual RKAP 2022
*) Implementation of activities using the 2022 RKAP accrual budget
Pilar Pemberdayaan Masyarakat [GRI 203-1] Community Empowerment Pillar [GRI 203-1]
Tugu Insurance turut berperan aktif dalam tercapainya Tugu Insurance plays an active role in achieving
pertumbuhan ekonomi berkualitas melalui kegiatan quality economic growth through various community
pemberdayaan masyarakat. empowerment activities.
Kegiatan yang dilakukan dalam Pilar Pemberdayaan Activities carried out in the Community Empowerment Pillar
Masyarakat disajikan dalam tabel berikut: are presented in the following table:
Tabel Program Pilar Pemberdayaan Masyarakat 2023
Table of Community Empowerment Pillar Program 2023
Kegiatan Tanggal Pelaksanaan
Activities Implementation Date
Pembuatan Rumah Pasca Gempa di Cianjur, Jawa Barat Juni 2023
Post-Earthquake House Construction in Cianjur, West Java June 2023
Pemberdayaan Kelompok Tani di Semarang, Jawa Tengah dalam kegiatan Nandur Pohon Sareng Tugu November 2023
Empowerment of Farmers Group in Semarang, Central Java in Nandur Pohon Sareng Tugu activity November 2023
Pilar Pendidikan dan Literasi Keuangan [GRI 203-1] Financial Education and Literacy Pillar [GRI 203-1]
Tugu Insurance mendukung peningkatan kualitas pendidikan Tugu Insurance supports improvement of the quality of
yang inklusif dan merata serta meningkatkan kesempatan inclusive and equitable education and increasing learning
belajar untuk masyarakat. Selain itu, perseroan juga aktif opportunities for the community. In addition, the Company is
dalam melakukan inklusivitas karyawan melalui pendidikan also actively involved in conducting employee inclusiveness
dan training untuk pengembangan kapasitas karyawan through education and training for employee capacity building
melalui fungsi Human Capital Management. through the Human Capital Management function.
Berikut ini adalah kegiatan yang dilakukan dalam The following are the activities carried out in the
Pilar Pendidikan: Education Pillar:
Kegiatan Tanggal Pelaksanaan
Activities Implementation Date
Renovasi TPQ Al-Kusuf dan Sarana Prasarana Masjid Raya Al-Kusuf Duren Sawit, Jakarta Januari 2023
Renovation of TPQ Al-Kusuf and Infrastructure Facilities of Masjid Raya Al-Kusuf Duren Sawit, Jakarta January 2023
Pembangunan Ruang Kelas SMP Pondok Pesantren Tahfidz Madinatur Rahma April 2023
Construction of Junior High School Classrooms at Madinatur Rahma Tahfidz Islamic Boarding School April 2023
146 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Kegiatan Tanggal Pelaksanaan
Activities Implementation Date
Coaching Clinic dan Edukasi Sepak Bola Juni 2023
Football Coaching Clinic and Education June 2023
Program Beasiswa dan Literasi Keuangan bersama Karya Salemba Empat Agustus 2023
Scholarship and Financial Literacy Program with Karya Salemba Empat August 2023
Bantuan Pendidikan dan Literasi Keuangan bersama Jelajah Pewarta Foto Ekonomi (JPEK) Agustus 2023
Education and Financial Literacy Assistance with Jelajah Pewarta Foto Ekonomi (JPEK) August 2023
Bantuan Program Pembangunan Masjid dan Sarana Pendidikan TPQ Masjid DKM At-Taqwa Erfina
Kencana Regency, Cibinong – Bogor September 2023
Assistance for Mosque Construction Program and TPQ Education Facilities DKM At-Taqwa Erfina September 2023
Kencana Regency Mosque, Cibinong – Bogor
Program Beasiswa Bekerja dan Belajar Januari-Desember 2023
Work and Study Scholarship Program January-December 2023
Training & Certification untuk karyawan Januari-Desember 2023
Training & Certification for employee January-December 2023
Bantuan Sosial, Keagamaan, dan Seni Budaya Social, Religious, and Cultural Arts Assistance
[GRI 203-2] [GRI 203-2]
Selain program “Bakti TUGU”, Perseroan juga melakukan In addition to the “Bakti TUGU” program, the Company also
bantuan di bidang sosial, keagamaan, dan seni budaya. provided assistance in the social, religious and cultural arts
Selama tahun 2023, Tugu Insurance telah menyalurkan dan sectors. During 2023, Tugu Insurance has distributed and
bantuan untuk Paket Sembako pada Bakti Sosial Ramadhan provided food packages at the Ramadhan and Eid al-Fitr
dan Idul Fitri 1444 H, dan Santunan Anak Yatim pada Buka 1444 H Social Services, and Donation for Orphan at the
Puasa Bersama 1444 H. 1444 H Iftar Gathering.
Selain itu, Perseroan mengadakan Bakti Sosial Kegiatan Furthermore, the Company held the PESIAR Mobile
Komunitas Bergerak PESIAR - Pertamina Shared & Involve Community Activity Social Service - Pertamina Shared &
Community with Good Action on Ramadan, dan Partisipasi Involve Community with Good Action on Ramadan, and
Kegiatan Seni Budaya Nasional 2023: Panggung Cakrawala Participation in National Cultural Arts Activities 2023: Stage
Nusantara (Pancawarna) SMAN 81 Jakarta. Kegiatan lainnya Cakrawala Nusantara (Pancawarna) SMAN 81 Jakarta. Other
yang dilaksanakan oleh Perseroan berupa sumbangan hewan activities carried out by the Company include donations of
Qurban Idul Adha 1444 H, dan donasi Dompet Kemanusiaan Qurban animals for Eid al-Adha 1444 H, and donations to the
Palestina AASI. AASI Palestinian Humanitarian Wallet.
Berikut ini adalah kegiatan yang dilakukan dalam The following are the activities implemented in the
Pilar Pendidikan: Education Pillar:
Kegiatan Tanggal Pelaksanaan
Activities Implementation Date
Dana Bantuan untuk Paket Sembako pada Bakti Sosial Ramadhan & Idul Fitri 1444 H April 2023
Donation Funds for Basic Food Packages at Social Services for Ramadan & Eid al-Fitr 1444 H April 2023
Bakti Sosial Kegiatan Komunitas Bergerak PESIAR - Pertamina Shared & Involve Community with April 2023
Good Action on Ramadan April 2023
PESIAR Mobile Community Activity Social Service - Pertamina Shared & Involve Community with Good
Action on Ramadan
Sumbangan Hewan Qurban Idul Adha 1444H Juli 2023
Eid al-Adha 1444H Qurban Animal Donation July 2023
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 147
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Kegiatan Tanggal Pelaksanaan
Activities Implementation Date
Partisipasi Kegiatan Seni Budaya Nasional 2023: Panggung Cakrawala Nusantara (Pancawarna) Juli 2023
SMAN 81 Jakarta July 2023
National Cultural Arts Activity Participation 2023: Stage Cakrawala Nusantara (Pancawarna) SMAN
81 Jakarta
Donasi Dompet Kemanusiaan Palestina AASI Desember 2023
AASI Palestine Humanitarian Wallet Donation December 2023
Santunan Anak Yatim pada Buka Puasa Bersama 1444H April 2023
Donation for Orphans at 1444H Iftar Gathering April 2023
Selama periode pelaporan tahun 2023, dengan berbagai During the 2023 reporting period, with various Bakti TUGU
kegiatan Bakti TUGU dan kegiatan Bantuan Sosial, activities and Social, Religious, and Cultural Arts Assistance
Keagamaan, dan Seni Budaya, Perseroan telah berhasil activities, the Company has succeeded in involving and
melibatkan dan memberikan manfaat kepada lebih providing benefits to more than 10,000 people from various
dari 10.000 orang dari berbagai kelompok masyarakat. community groups. Tugu Insurance has also realized CSR
Tugu Insurance juga telah merealisasikan dana TJSL, funds of IDR962.86 million managed by the Government, PR
yaitu sebesar Rp962,86 juta yang dikelola oleh fungsi & CSR function, and IDR2.93 billion managed by the Human
Government, PR & CSR, serta Rp2,93 miliar yang dikelola Capital Management function.
oleh fungsi Human Capital Management.
Selain itu untuk mendukung kegiatan ESG, Perseroan Also to support ESG activities, the Company also conducted
juga melakukan Audit SMAP Surveillance dengan realisasi SMAP Surveillance Audits with the realization of fund
penyaluran dana melalui fungsi Compliance & Quality distribution through the Compliance & Quality Assurance
Assurance sebesar Rp131,95 juta. Dengan demikian, total function amounting to IDR131.95 million. Thus, the total
realisasi dana TJSL adalah Rp4,03 miliar yang bersumber realization of TJSL funds was IDR4.03 billion from the 2023
dari RKAP 2023 dan Rp265 juta dari RKAP Akrual 2022. RKAP and IDR265 million from the 2022 Accrual RKAP. The
Perseroan meyakini kegiatan-kegiatan tersebut dapat Company believes that these activities can be beneficial and
bermanfaat dan mendukung program pencapaian SDGs di support the program to achieve SDGs in Indonesia, through
Indonesia, melalui koridor ESG. the ESG corridor.
Pelaksanaan TJSL terhadap TPB [OJK F.25] Implementation of TJSL towards SDGs [OJK F.25]
Selain memenuhi ketentuan Peraturan OJK tentang In addition to fulfilling the provisions of OJK Regulations
pelaksanaan program keuangan berkelanjutan, pelaksanaan regarding the implementation of sustainable financial
program kegiatan Tanggung Jawab Sosial dan Lingkungan programs, the implementation of Tugu Insurance’s Social and
(TJSL) Tugu Insurance bertujuan untuk mendukung Environmental Responsibility (TJSL) activity program aims to
pencapaian Tujuan Pembangunan Berkelanjutan (TPB). support the achievement of the Sustainable Development
Program Tanggung Jawab Sosial dan Lingkungan yang Goals (SDG’s). The Social and Environmental Responsibility
berkaitan dengan proses bisnis Perusahaan diharapkan juga Program related to the Company’s business processes
memberikan nilai tambah bagi masyarakat dan lingkungan. is also expected to provide added value to society and
the environment.
Hingga akhir tahun 2023, pelaksanaan program tanggung Until the end of 2023, the implementation of the corporate
jawab sosial perusahaan telah berkontribusi terhadap social responsibility program has contributed to the
pencapaian 4 (empat) dari 17 Tujuan Pembangunan achievement of 4 (four) of the 17 Sustainable Development
Berkelanjutan (TPB) yang telah ditetapkan Perserikatan Goals (SDG’s) set by the United Nations (UN).
Bangsa-Bangsa (PBB).
148 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Berikut ini adalah tabel kegiatan TJSL pada periode The following is a table of TJSL activities in the
pelaksanaan Januari sampai dengan Desember 2023 yang implementation period of January to December 2023 which
diimplementasikan melalui Bakti TUGU dan Bantuan Sosial, are implemented through Bakti TUGU Service and Social,
Keagamaan, dan Seni Budaya: Religious, and Cultural Arts Assistance:
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 Pilar Bakti untuk Realisasi penyaluran dana Penerima manfaat kegiatan
Kesehatan dan melalui fungsi Government, PR sebanyak 3.819 orang/peserta.
Keselamatan & CSR sebesar Rp318,79 juta, The beneficiaries of the activities
Pillars of Service for sedangkan realisasi penyaluran are 3,819 people/participants.
Health and Safety dana melalui fungsi Human
TPB#1 Tanpa Kemiskinan Capital Management sebesar
TPB#3 Kesehatan yang Baik Kesejahteraan Rp141,69 juta sehingga total
SDG#1 No Poverty realisasi dana yang dikeluarkan
SDG#3 Healthy and Prosperous Life oleh perseroan adalah sebesar
Rp460,48 juta.
The realization of the distribution
of funds through the Government,
PR & CSR function amounted
to IDR318.79 million, while the
realization of the distribution of
funds through the Human Capital
Management function amounted
to IDR141.69 million resulting in
a total realization of funds spent
by the company of IDR460.48
million.
2 Pilar Bakti untuk Realisasi penyaluran dana Tanaman sebanyak 2.350 telah
Lingkungan Hidup oleh perseroan melalui fungsi ditanamkan di wilayah Jakarta,
Pillars of Service for Government, PR & CSR sebesar Jawa Barat, Jawa Tengah, dan
the Environment Rp100,50 juta. Bali. Selain itu, 250 tanaman
The realization of fund distribution mangrove telah ditanamkan
by the company through the dan infrastruktur boardwalk
Government, PR & CSR function sepanjang 20 meter telah
amounted to IDR100.50 million. dibangun pada tahun 2023
menggunakan anggaran akrual
tahun 2022 sebesar Rp265
TPB#6 Air Bersih dan Sanitasi Layak juta. Di samping kegiatan
TPB#11 Kota dan Pemukiman Berkelanjutan tersebut, Perseroan berperan
TPB#13 Penanganan Perubahan Iklim aktif menjadi Leader Konsorsium
TPB#14 Ekosistem Lautan Asuransi Penyingkiran Kerangka
TPB#15 Ekosistem Daratan Kapal termasuk Tanggung Jawab
SDG#6 Clean Water and Sanitation Polusi di laut
SDG#11 Sustainable Cities and There are 2,350 plants that
Communities have been planted in Jakarta,
SDG#13 Climate Action West Java, Central Java and
SDG#14 Life Below Water Bali. In addition, 250 mangrove
SDG#15 Life on Land plants have been planted
and a 20-meter boardwalk
infrastructure has been built in
2023 using the 2022 accrual
IDR265 million. In addition to
these activities, the Company
plays an active role as the
Leader of the Consortium for
Wreck Removal Insurance
including Marine Pollution
Liability.
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 149
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
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)
3 Pilar Bakti untuk Realisasi penyaluran dana Penerima manfaat kegiatan
Pemberdayaan oleh perseroan melalui fungsi sebanyak 700 orang/peserta.
Masyarakat Government, PR & CSR sebesar The beneficiaries of the activity
Pillars of Service Rp254,07 juta. were 700 people/participants.
for Community The realization of fund distribution
Empowerment by the company through the
Government, PR & CSR function
amounted to IDR254.07 million.
TPB#1 Tanpa Kemiskinan
TPB#2 Tanpa Kelaparan
TPB#8 Pekerjaan Layak dan Pertumbuhan
Ekonomi
TPB#10 Berkurangnya Kesenjangan
SDG#1 No Poverty
SDG#2 Zero Hunger
SDG#8 Decent Work and Economic Growth
SDG#10 Reduced Inequalities
4 Pilar Bakti Untuk Realisasi penyaluran dana Penerima manfaat kegiatan
Pendidikan dan melalui fungsi Government, PR sebanyak 1,764 orang/peserta.
Literasi Keuangan & CSR sebesar Rp139,50 juta, The beneficiaries of the activities
Pillar of Service for sedangkan realisasi penyaluran are 1,764 people/participants.
Financial Education dana melalui fungsi Human
and Literacy Capital Management sebesar
Rp2,67 miliar sehingga total
realisasi dana yang dikeluarkan
oleh perseroan adalah sebesar
Rp2,84 miliar
TPB#4 Pendidikan Berkualitas The realization of the distribution
TPB#5 Kesetaraan Gender of funds through the Government,
TPB#8 Pekerjaan Layak dan Pertumbuhan PR & CSR function amounted
Ekonomi to IDR139.50 million, while the
TPB#10 Berkurangnya Kesenjangan realization of the distribution of
SDG#4 Quality Education funds through the Human Capital
SDG#5 Gender Equality Management function amounted
SDG#8 Decent Work and Economic Growth to IDR2.67 billion resulting in a
SDG#10 Reduced Inequalities Life on Land total realization of funds spent by
the company of IDR2.84 billion.
150 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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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)
5 Bantuan Sosial, Realisasi penyaluran dana Penerima manfaat kegiatan
Keagamaan, dan melalui fungsi Government, PR sebanyak 3,870 orang/peserta.
Seni Budaya & CSR sebesar Rp150,00 juta, The beneficiaries of the activity
Social, Religious, sedangkan realisasi penyaluran were 3,870 people/participants.
and Cultural Arts dana melalui fungsi Human
Assistance Capital Management sebesar
Rp91,72 juta sehingga total
realisasi dana yang dikeluarkan
oleh perseroan adalah sebesar
Rp241,72 juta.
TPB#1 Tanpa Kemiskinan The realization of the distribution
TPB#2 Tanpa Kelaparan of funds through the Government,
TPB#4 Pendidikan Berkualitas PR & CSR function amounted
TPB#11 Kota dan Pemukiman Berkelanjutan to IDR150.00 million, while the
SDG#1 No Poverty realization of the distribution of
SDG#2 Zero Hunger funds through the Human Capital
SDG#4 Quality Education Management function amounted
SDG#11 Sustainable Cities and to IDR91.72 million resulting in
Communities the total realization of funds spent
by the company of IDR241.72
million.
6 Audit SMAP Realisasi penyaluran dana melalui Hasil audit diharapkan akan
Surveillance fungsi Compliance & Quality menunjukkan tingkat komitmen
Audit SMAP Assurance sebesar Rp131,95 dan konsistensi Tugu Insurance
Surveillance juta. dalam menerapkan prinsip ESG
The realization of funds dan anti korupsi/gratifikasi.
TBP#16 Perdamaian, keadilan, dan distribution through the The audit results are expected
kelembagaan yang kuat Compliance & Quality Assurance to show the level of commitment
TPB#17 Kemitraan untuk Mencapai Tujuan function amounted to IDR131.95 and consistency of Tugu
SGD#16 Peace, Justice and Strong million. Insurance in implementing ESG
Institutions and anti-corruption/gratification
SDG#17 Partnerships for the Goals principles.
Capaian Realisasi TJSL Realisasi penyaluran dana melalui Penerima manfaat kegiatan
TJSL’s Realization Achievements fungsi Government, PR & CSR sebanyak 10,153 orang/
sebesar Rp962,86 juta, realisasi peserta.
penyaluran dana melalui fungsi
Human Capital Management Penanaman tanaman sebanyak
sebesar Rp2,93 miliar dan 2.600 pohon.
Realisasi penyaluran dana melalui Activity beneficiaries were
fungsi Compliance & Quality 10,153 people/participants.
Assurance sebesar Rp131,95 juta.
Sehingga total realisasi dana yang Planting of 2,600 trees.
dikeluarkan oleh perseroan adalah
sebesar Rp4,03 miliar. Namun
untuk dana program Bakti TUGU
2023 tercatat Rp3,65 milliar.
The realization of funds distribution
in the Government, PR & CSR
function amounted to IDR962.86
million, the realization of funds
distribution in the Human Capital
Management function amounted to
IDR2.93 billion and the realization
of funds distribution in the
Compliance & Quality Assurance
function amounted to IDR131.95
million. Thus, the total realization
of funds spent by the company is
IDR4.03 billion. However, the funds
for the 2023 Bakti TUGU program
were recorded at IDR3.65 billion.
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 151
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Mekanisme dan Jumlah Pengaduan Masyarakat Mechanism and Number of Public Complaint
[OJK F.24] [OJK F.24]
Perseroan menyediakan saluran/wadah untuk menampung The Company provides channels/containers to accommodate
pelaporan dugaan kecurangan, pelanggaran atas terhadap reports of alleged violations of the fraud, code of ethics,
kode etik, tata kelola Perusahaan, baik dari konsumen corporate governance, from both consumers and the general
maupun masyarakat umum. Masyarakat dan Insan Tugu public. The public and Tugu Personnel can report suspected
dapat melakukan pelaporan atas dugaan pelanggaran violations of regulations or fraud through the Whistleblowing
peraturan atau kecurangan melalui saluran Whistleblowing System (WBS) channel. The Violation Reporting Handling
System (WBS). Tim Penanganan Pelaporan Pelanggaran Team will follow up on every violation reported through the
akan menindaklanjuti setiap pelaporan pelanggaran yang WBS mechanism that meets the elements of a violation in
dilaporkan melalui mekanisme WBS yang memenuhi unsur the form of:
pelanggaran berupa:
1. Korupsi; 1. Corruption;
2. Suap; 2. Bribery;
3. Gratifikasi; 3. Gratuities;
4. Benturan Kepentingan; 4. Conflict of Interest;
5. Pencurian; 5. Theft;
6. Kecurangan (Fraud); 6. Fraud;
7. Perbuatan Melanggar Hukum; 7. Unlawful Acts;
8. Melanggar Hukum dan Peraturan Perseroan; 8. Violating Company Laws and Regulations;
9. Pelanggaran Kode Etik dan berpotensi melanggar 9. Violation of the Code of Ethics and potential violation of
prinsip-prinsip GCG; GCG principles;
10. Perbuatan yang membahayakan keselamatan dan 10. Actions that endanger work safety and health or
kesehatan kerja atau membahayakan keamanan endanger the security of the Company and cause losses
Perusahaan serta merugikan Perusahaan. to the Company.
Bagi Perseroan partisipasi pemangku kepentingan terhadap For the Company, stakeholder participation is essential in
dalam proses perbaikan pengelolaan usaha, sehingga Tugu the process of improving business management. Thus, Tugu
Insurance akan merahasiakan identitas pelapor, sebagai Insurance will keep the whistleblower’s identity confidential,
bagian dari upaya dalam memberikan perlindungan bagi as part of efforts to provide protection for the whistleblower
pelapor dari tindakan yang merugikan pelapor, serta untuk from actions that are detrimental to the whistleblower, as
mendorong keberanian melaporkan pelanggaran. Perseroan well as to encourage the courage to report violations. The
juga akan mengupayakan perlindungan hukum kepada Company will also seek legal protection for the Whistleblower
Pelapor sesuai ketentuan yang diatur dalam peraturan in accordance with the provisions stipulated in the laws
perundang-undangan. and regulations.
Pihak yang mengelola pengaduan Laporan Pelanggaran The party that manages the Whistleblowing Report in
dalam Sistem WBS Tugu Insurance adalah Tim Penanganan Tugu Insurance WBS System is the Whistleblowing Report
Pelaporan Pelanggaran merupakan tim yang dibentuk Handling Team as a team formed by the Company with
oleh Perseroan dimana antara lain bertanggung jawab the responsibility to manage and follow-up the reports of
untuk mengelola dan menindaklanjuti laporan tindakan violations committed by Tugu personnel. This team is under
pelanggaran yang dilakukan oleh Insan Tugu. Tim ini berada the coordination of Internal Audit function.
di bawah koordinasi Fungsi Internal Audit.
Perseroan memberikan sanksi sesuai ketentuan yang The Company imposes sanctions for proven violations in
berlaku di Perseroan atas pelanggaran yang terbukti, accordance with the applicable provisions in the Company
sehingga dapat memberikan efek jera bagi pelaku with a view to provide a deterrent effect for violators and
pelanggaran maupun pihak lain yang memiliki niat other parties who have the intention to commit violations.
melakukan pelanggaran.
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Mekanisme Whistleblowing System (WBS) Tugu Insurance
Whistleblowing System Mechanism of Tugu Insurance
Pelaporan Tim penanganan Apabila hasil Direksi/Dewan
melalui email Pelaporan penelaahan Komisaris
clean1@tugu. Pelanggaran menunjukan menindaklanjuti
com dan menelaah laporan adanya indikasi pelaporan
clean2@tugu.com yang masuk. pelanggaran, pelanggaran yang
atau surat ke pelaporan memerlukan
The Whistleblowing
Direksi/Dewan handling team reviews
disampaikan ke pendalaman lebih
Komisaris. the incoming reports Direksi/Dewan lanjut melalui
Komisaris. Komite Audit untuk
Reporting via
email through
dilakukan audit
If the review results
clean1@tugu.com and in an indication of
khusus/investigasi.
clean2@tugu.com, or violation, the report is
Follow-up on violations
letter addressed to the submitted to the Board
reporting that required
Board of Directors/Board of Directors/Board of
deeper investigation by
of Commissioners. Commissioners.
the Board of Directors/
Board of Commissioners
through special audits/
investigations carried out
by the Audit Committee.
Tahapan dari fase penerimaan pengaduan hingga fase The stages from the report/complaint receiving phase to the
penyelesaian pengaduan adalah sebagai berikut: report/complaint resolution phase are as follows:
1 3
Diteruskan ke
Pengaduan Masuk Diterima Oleh PIC Fungsi/Pihak Terkait Penyelesaian Pengaduan
Complaint Sent Received by PIC Forwarded to related Complaint Sent
functions/relevant parties
2 4
Selama tahun 2023, tidak terdapat pelaporan terkait Throughout 2023 there was no report regarding violations
pelanggaran di Perseroan baik dari kalangan internal maupun in the Company, both from internal and external parties.
eksternal. Namun demikian, segenap Insan Tugu senantiasa However, all Tugu Personnel always make WBS one
menjadikan WBS sebagai salah satu fungsi kontrol dan of the functions of control and mitigation of risks and
mitigasi terhadap risiko dan potensi pelanggaran. potential violations.
Tanggung Jawab Terhadap Konsumen dan Pengembangan Produk
Responsibility for the Customers and Product Development
Tugu Insurance memberikan perhatian yang serius terhadap Tugu Insurance pays serious attention to the quality of
kualitas produk dan layanan asuransi, sehingga tetap terjaga insurance products and services, to maintain customer
kepuasan konsumen dan kepercayaan masyarakat terhadap satisfaction and public trust in the Company. Furthermore,
Perseroan. Lebih lanjut, Tugu Insurance terus meningkatkan Tugu Insurance continues to improve the company’s
performa perusahaan dalam pengembangan produk dan performance in developing optimal products and services,
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
layanan yang optimal, guna memenuhi kebutuhan serta in order to meet the needs and increase customer loyalty. In
meningkatkan loyalitas pelanggan. Bersamaan dengan addition, the Company develops application/website-based
hal tersebut, Perseroan mengembangkan produk dan products and services by utilizing the development of digital
layanan berbasis aplikasi/website dengan memanfaatkan technology.
perkembangan teknologi digital.
Pembaharuan aplikasi layanan bertujuan untuk memudahkan The renewal of the service application aims to facilitate
kebutuhan transaksi pelanggan dengan berbagai fitur customer transaction needs with various web-based features
berbasis web dan memiliki kemudahan akses melalui and easily accessible via mobile phones Moreover, Tugu
mobile phone. Selain itu secara bertahap, Tugu Insurance Insurance has gradually adjusted the network of branch
melakukan penyesuaian jaringan kantor cabang dan kantor offices and sales offices by considering the Company’s
penjualan dengan mempertimbangkan strategi bisnis business strategy.
Perseroan.
Komitmen untuk Memberikan Layanan atas Commitment to Providing Services for Equal
Produk dan/atau Jasa yang Setara kepada Products and/or Services to Consumers
Konsumen [OJK F.17] [OJK F.17]
Komitmen Perseroan memenuhi kebutuhan pelanggan The Company’s commitment to meeting customer needs on
secara berkesinambungan sebagai wujud penerjemahan atas an ongoing basis is a form of translation of the Company’s
Visi, Misi, dan Tata Nilai Budaya Perusahaan, yaitu 6C dan Vision, Mission, and Corporate Cultural Values, namely 6C
AKHLAK, terutama terkait nilai Customer Focused. Komitmen and AKHLAK, especially related to Customer Focused values.
tersebut juga bertujuan untuk mematuhi ketentuan Peraturan This commitment also aims to comply with the provisions of
OJK No. 1/POJK.07/2013 tentang perlindungan pelanggan OJK Regulation No. 1/POJK.07/2013 concerning Protection
sektor jasa keuangan maupun Surat Edaran OJK No. 2/ for Customers in the Financial Services sector as well as
SEOJK.07/2014 tentang pelayanan dan penyelesaian OJK Circular Letter No. 2/SEOJK.07/2014 concerning
pengaduan pelanggan pada pelaku usaha jasa keuangan. Service and Resolution of Customer Complaints to Financial
Hal ini diperkuat dengan terbitnya Peraturan Direksi No. Service Businesses. This was reinforced by the issuance of
A/006/9100/2016 rev-0 tentang Pedoman Pengaduan Board of Directors Regulation No. A/006/9100/2016 rev-0
Pelanggan Tugu Insurance. regarding Tugu Insurance’s Customer Complaint Guidelines.
Disamping itu, Tugu Insurance telah memiliki program yang Additionally, Tugu Insurance has in place programs related
terkait dengan berbagai aktivitas maupun penyediaan materi to various activities as well as the provision of information
informasi mengenai seluruh produk dan layanan yang dimiliki material regarding all the Company’s products and services
secara terperinci. Perseroan juga mempunyai Pedoman in detail. The Company also has the Code of Conducts or
Sistematika Etika Usaha dan Tata Perilaku (Code of Conducts CoC which among other things regulates the Company’s
atau CoC) yang antara lain mengatur tentang Etika Perseroan Ethics with customers, namely:
dengan pelanggan, yaitu:
Etika Perseroan dengan pelanggan
Company’s Ethics with customers
Memberikan informasi
maupun iklan/promosi Memelihara reputasi
secara sehat, fair, jujur, atau kepercayaan
dan tidak menyesatkan, pelanggan serta
Memberikan pelayanan menjaga informasi/
serta diterima oleh norma
terbaik bagi pelanggan. kerahasiaan pelanggan.
masyarakat. Providing service for the
Affording information and Maintaining a good reputation
customers at its best.
advertisements/promotions in and the trust of our customers
a healthy, fair and authentic and also conserving
manner which is not deemed customers’ information/
misleading and is acceptable to confidentiality.
the norms of society.
154 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Prioritas atas Pelanggan Priority over Customers
Sebagai wujud peningkatan kualitas pelayanan, Tugu As a form of service quality improvement, Tugu Insurance
Insurance senantiasa memastikan agar memberikan layanan always provide equal products and/or services to
atas produk dan/atau jasa yang setara kepada pelanggan. customers. In addition, every operational activity is based
Selain itu, setiap aktivitas operasionalnya didasari oleh on the applicable Standard Operational Procedure (SOP).
Standard Operational Procedure (SOP) yang berlaku. Di Moreover, Tugu Insurance improves the competence of
samping itu, Tugu Insurance meningkatkan kompetensi human resources in charge of the customer service sector.
SDM yang bertugas di sektor pelayanan pelanggan. Untuk To support the performance, Tugu Insurance implements
mendukung performa yang dilaksanakan, Tugu Insurance a minimum service standard policy and enforces service
menerapkan kebijakan standar layanan minimum dan quality provisions as part of their performance assessment
memberlakukan ketentuan kualitas layanan sebagai bagian (Key Performance Indicator/KPI).
dari penilaian kinerja mereka (Key Performance Indicator/
KPI).
Menjaga Mutu Sesuai Regulasi dan Standar Maintaining Quality According to Regulations and
[OJK F.27] [OJK F.28] Standards [OJK F.27] [OJK F.28]
Konsistensi Tugu Insurance dalam upaya menjaga mutu dan Tugu Insurance’s consistency in efforts to maintain quality
standar dapat dipantau dengan adanya penerapan standar and standards can be monitored by implementing quality
manajemen mutu. Beragam strategi yang dilakukan Tugu management standards. Various strategies are executed by
Insurance untuk menjaga kualitas layanan produk dan jasa Tugu Insurance to maintain excellent product and service
yang prima, yang tertuang dalam 8 Pilar Strategi: quality, which are contained in the 8 Strategy Pillars:
Our Strategy - 8 Pillars
Market & Products Distribution & Networks
• Memperkuat posisi di pasar Energy Captive • Memperkuat posisi di pasar Energy Captive
• Ekspansi bisnis ke bisnis turunan Pertamina dan Anak • Memanfaatkan jaringan distribusi ritel Pertamina sebagai PoSS
Perusahaan Pertamina Tugu Insurance
• Peningkatan pangsa pasar di bisnis aviasi • Mengembangkan saluran distribusi virtual
• Mengembangkan pasar non-captive komersial korporat dan
• Mengembangkan sistem keagenan antara agen korporat
Usaha Kecil & Menengah dan sektor perbankan secara direct &
• dengan agen ritel
indirect
• Strengthening position in the Energy Captive market
• Melakukan pengembangan asuransi kredit perdagangan
menyasar supplier Pertamina • Utilizing Pertamina’s retail distribution network as the Tugu
• Strengthening position in the Energy Captive market Insurance PoSS
• Business expansion into Pertamina derivative businesses and • Develop virtual distribution channels
Pertamina Subsidiaries • Develop an agency system between corporate agents and retail
• Increasing market share in the aviation business agents
• Develop non-captive commercial corporate markets and small &
medium enterprises and the banking sector directly & indirectly
• Develop trade credit insurance targeting Pertamina suppliers
Information Technology Finance & Investment
• Mengurangi pekerjaan manual untuk meminimalisir kesalahan • Pengelolaan aset dan liability dengan tepat
• Membangun Data Warehouse • Pengelolaan portofolio investasi
• Membangun MIS yang integrated, kredibel, reliable dan mudah • Mempertahankan rating internasional
diakses • Pengelolaan piutang dengan baik
• Meningkatkan infrastruktur teknologi informasi dan member • Proper management of assets and liabilities
siap DRC • Investment portfolio management
• Reduce manual work to minimize errors • Maintaining international rating
• Building a Data Warehouse • Proper management of accounts receivable
• Build an integrated, credible, reliable, and easily accessible MIS
• Improve information technology infrastructure and DRC-ready
members
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Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Our Strategy - 8 Pillars
Service & Operation Excellence Underwriting & Reinsurance
• Membangun sistem layanan terintegrasi untuk bisnis korporat • Mempersiapkan kapasitas yang sejalan dengan pertumbuhan
dan ritel bisnis
• Membangun layanan infrastruktur untuk call center 24h/7D • Penyeimbangan portofolio produk
(Call TIA) • Peningkatan kemampuan pengelolaan manajemen risiko
• Menambahkan budaya layanan
asuransi
• Meningkatkan Brand Image & pengakuan melalui re-branding
• Membangun kapasitas underwriting & klaim, kemampuan dan
dan campaign
layanan untuk bisnis ritel
• Build an integrated service system for corporate and retail
businesses • Membuat risk appetite yang jelas
• Build infrastructure services for call center 24h/7D (Call TIA) • Prepare capacity in line with business growth
• Added service culture • Product portfolio balancing
• Improve Brand Image & recognition through re-branding and • Improved insurance risk management capability
campaigns • Building underwriting & claims capacity, capabilities, and
services for retail business
• Establish a clear risk appetite
People & Human Resources Compliance, GCG & ERM
• Meninjau Kembali sistem manajemen kinerja berdasarkan pada • Menerapkan three lines of defense
meritokrasi dan filosofi keadilan • Menciptakan budaya risiko
• Meningkatkan produktivitas pekerja • Melakukan integrasi TUGU Group
• Meningkatkan hard dan soft-skill • Implement three lines of defense
• Review the performance management system based on • Creating a risk culture
meritocracy and a philosophy of justice • Performing TUGU Group integration
• Increase worker productivity
• Improve hard and soft skills
Sebagai bentuk pelayanan optimal serta kontribusi Tugu As a form of Tugu Insurance’s optimized service and
Insurance kepada pelanggan, Tugu Insurance senantiasa contribution to customers, Tugu Insurance always provides
memberikan informasi yang telah teruji kelayakannya dalam information that has been tested for feasibility in the
waktu yang sesegera mungkin kepada para pelanggan shortest possible time to customers in the event of
apabila terjadi perubahan yang signifikan berkaitan dengan significant changes related to extensification or changes to
ekstensifikasi maupun perubahan produk dan layanan existing products and services.
yang ada.
Memberi Layanan Terbaik Provide the best service
Tugu Insurance menyediakan pusat informasi dan pengaduan Tugu Insurance provides an information and complaint center
sebagai wujud keterbukaan Perusahaan terhadap kritik dan as a form of the Company’s transparency towards criticism
saran dari seluruh pemangku kepentingan melalui Call TIA and suggestions from all stakeholders through Call TIA (Tugu
(Tugu Insurance Assistance) Pelayanan Pelanggan Tersedia Insurance Assistance) Customer Service Available 24-hours
24-hours 7-days melalui “Call TIA” 1500 458, via WhatsApp 7-days via “Call TIA” 1500 458, via WhatsApp 0811 97900
0811 97900 100 dan email ke calltia@tugu.com. Call TIA 100 and email to calltia@tugu.com. Call TIA is on standby
selalu siaga untuk melayani kebutuhan informasi produk, to serve the needs of product information, insurance policy
layanan polis asuransi, lapor klaim, hingga bantuan darurat services, reporting claims, to emergency assistance on the
di jalan raya. Tugu Insurance juga memberikan akses kepada highway. Tugu Insurance also allows customers to submit
para pelanggan untuk menyampaikan pertanyaan, keluhan questions, complaints and input that are useful for us in
dan masukan yang bermanfaat untuk kami dalam terus improving Tugu Insurance products and services via e-mail
meningkatkan produk dan layanan Tugu Insurance melalui calltia@tugu.com.
e-mail calltia@tugu.com.
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Seluruh pertanyaan, keluhan ataupun masukan dari All questions, complaints or input from customers and
pelanggan serta pemangku kepentingan lainnya yang other stakeholders related to Tugu Insurance products
berhubungan dengan produk dan layanan Tugu Insurance and services will be handled immediately through
akan dilayani dengan segera melalui jalur-jalur tersebut. these channels.
Tahapan dari fase penerimaan pengaduan hingga fase The stages from the complaint received to the customer/
penyelesaian pengaduan pelanggan/konsumen adalah consumer complaint resolution are as follows:
sebagai berikut:
1 3
Pengaduan Masuk Diterima Oleh PIC Diteruskan ke User Terkait Penyelesaian Pengaduan
Complaint Sent Received by PIC Forwarded to Related User Complaint Sent
2 4
Biaya yang Dikeluarkan untuk Perlindungan Konsumen Costs Incurred for Consumer Protection
Adapun biaya yang dikeluarkan untuk merealisasikan The costs incurred to realize the Company’s social
tanggung jawab sosial Perseroan di bidang perlindungan responsibility in customer protection in 2023 amounted
pelanggan tahun 2023 adalah sebesar Rp1,15 miliar yang to IDR1.15 billion, which was spent for call center (Call TIA
merupakan biaya untuk layanan call center (Call TIA 24/7). 24/7) services.
Kemudahaan Akses Informasi & Jaringan Ease of Access to Information and Network
Perseroan menyediakan dukungan kemudahaan akses The Company provides support for easy access to
informasi secara langsung atau tatap muka melalui jaringan information directly or face-to-face through an infrastructure
infrastruktur kantor cabang dan perwakilan yang tersedia network of branch offices and representatives available in
di beberapa kota. Sementara itu, Tugu Insurance juga several cities. Meanwhile, Tugu Insurance also ensures the
memastikan terpenuhinya kemudahaan akses informasi fulfillment of easy access to information virtually through
secara virtual melalui layanan informasi yang lengkap dalam complete information services on the Company’s website
laman/website Perseroan dengan pemutakhiran secara with real time updates.
real time.
Perluas Jaringan dan Akses Expand Network and Access
Tugu Insurance berkantor pusat di DKI Jakarta dan Tugu Insurance’s headquarter is in DKI Jakarta with
mempunyai 14 Kantor Cabang di kota-kota besar Indonesia, 14 Branch Offices in major cities in Indonesia, and is
serta dilengkapi dengan beberapa gerai untuk aktivitas Point complemented with several outlets for Point of Sales
of Sales & Services (PoSS) yaitu t shop di beberapa titik & Services (PoSS) activities, namely t shops at several
strategis di Indonesia. strategic points in Indonesia.
Tugu Insurance melanjutkan penetrasi ke market retail Tugu Insurance continues to penetrate the retail market with
dengan fokus pada pengembangan menjalin kerja sama a focus on developing new partnerships with multi-brand
baru dengan dealer multibrand dan leasing yang memiliki dealers and leasing companies that have a good business
portofolio bisnis yang baik untuk kendaraan roda dua dan portfolio for two-wheeled and four-wheeled vehicles, building
roda empat, membangun agen-agen baru yang enerjik, muda, new agents who are energetic, young, and focused on retail
dan fokus pada bisnis retail melalui aplikasi business through the t friends application, collaborating
t friends menjalin kerjasama dengan partner digital, serta with digital partners, and continue to develop the t drive
terus mengembangkan aplikasi t drive sebagai aplikasi application as the first application for safety driving in
yang pertama untuk safety driving di Indonesia dan Indonesia and can have a good impact on the community
dapat memberikan dampak yang baik bagi masyarakat and the Company
maupun perusahaan.
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1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Selain itu, Tugu Insurance melakukan program kerja In addition, Tugu Insurance conducts cooperation programs
sama dengan rekanan untuk meningkatkan penjualan with partners to increase sales and joint competitiveness
dan competitiveness bersama kepada calon pelanggan. with prospective customers. Moreover, Tugu Insurance also
Di samping itu, Tugu Insurance juga memperkuat sarana strengthens its infrastructure facilities such as branches
infrastruktur seperti cabang dan t shop di berbagai kota di and t shops in various cities in Indonesia, Emergency Road
Indonesia, pelayanan Emergency Road Assistance (ERA) yang Assistance (ERA) services, also known as t rex, website,
lebih dikenal dengan t rex, website, social media, aplikasi t social media, t drive, t friends applications, and contact
drive, t friends, dan contact center Call TIA agar kami dapat center Call TIA so that we can provide the best service for
memberikan pelayanan yang terbaik bagi para pelanggan customers starting from the insurance closing process
mulai dari proses penutupan asuransi hingga klaim. to claims.
Distribusi dan Jaringan (Distribution & Network) Distribution & Network
1. Memanfaatkan jaringan distribusi retail Pertamina sebagai 1. Utilizing Pertamina’s retail distribution network as a Sales
Pusat Penjualan (Point of Sales/PoSS) Tugu Insurance Center (Point of Sales/PoSS) for Tugu Insurance
Terus memperluas jaringan distribusi Tugu Insurance Continue to expand Tugu Insurance’s distribution network
dengan memanfaatkan jaringan distribusi retail pertamina by utilizing Pertamina’s retail distribution network (SPBU)
(SPBU) dan pembangunan cabang dan point of services and the construction of branches and points of service
baik secara fisik ataupun virtual. both physically and virtually.
2. Mengembangkan saluran distribusi virtual 2. Develop virtual distribution channels
Tugu Insurance terus meningkatkan kehadirannya agar Tugu Insurance continues to expand its presence making
semakin mudah dijangkau oleh masyarakat luas melalui it more accessible to the wider community through a
bauran saluran distribusi mulai dari cabang konvensional, mix of distribution channels ranging from conventional
Pusat Penjualan (Point of Sales/PoSS) and Service Agent branches, Sales Centers (Point of Sales/PoSS) and
hingga saluran distribusi lainnya berbasiskan digital. Service Agents to other digital-based distribution
Produk unggulan asuransi ritel Tugu Insurance juga telah channels. Tugu Insurance’s flagship retail insurance
tersedia di berbagai digital market place. product is also available in various digital market places.
3. Mengembangkan sistem keagenan antara agen korporat 3. Developed agency system between corporate agents and
dengan agen ritel melalui optimalisasi aplikasi t friends retail agents through optimization of t friends application
Dalam rangka pengembangan segmen usaha ritel, dan To develop the retail business segment, and its relation
kaitannya dengan strategi jalur distribusi dan network, to the distribution channel and network strategy, until
sampai dengan saat ini Tugu Insurance telah memiliki now Tugu Insurance has 31 Points of Sales and Services
31 Point of Sales and Services (PoSS) di berbagai (PoSS) in various strategic areas of Indonesia which are
wilayah strategis Indonesia yang terbagi dalam 2 (dua) divided into 2 (two) regions, namely Region 1 consisting
regional, yaitu Regional 1 terdiri dari 17 PoSS, dan of 17 PoSS, and Region 2 consisting of 14 PoSS or called
Regional 2 terdiri dari 14 PoSS atau disebut t shop yang t shops spread throughout Indonesia. With its experience,
tersebar di seluruh Indonesia. Dengan pengalamannya Tugu Insurance continues to be trusted by the public and
Tugu Insurance terus dipercaya oleh masyarakat the Government in managing the risks of its assets/
dan Pemerintah dalam mengelola risiko atas aset/ interests, both corporate and retail. In managing this risk,
kepentingannya baik yang bersifat korporasi maupun especially for the insurance risk that is mega risk, the
ritel. Dalam pengelolaan risiko ini, terutama untuk risiko Company has the support of various leading reinsurance
pertanggungan yang bersifat mega risk, perusahaan companies both from in and outside the country.
mendapat dukungan dari berbagai perusahaan
Reasuransi terkemuka baik dari dalam maupun
luar negeri.
Keunggulan Layanan dan Operasional Service and Operation Excellence
Tugu Insurance menawarkan berbagai produk unggulan, Tugu Insurance offers various superior products, and
dan melanjutkan pembangunan sistem pelayanan yang continues to develop an integrated service system for both
terintegrasi baik untuk bisnis korporasi maupun retail, corporate and retail businesses, establish a call center,
mendirikan call center, melakukan re-branding dan kampanye carry out re-branding and brand campaigns with a view to
jenama (brand campaign) sehingga akan meningkatkan citra increase the image and awareness of Tugu Insurance’s brand
dan kesadaran akan jenama (brand image & recognition) (brand image & recognition). The Company also continues
Tugu Insurance. Perseroan juga terus menyempurnakan to improve the Call Center TIA (Tugu Insurance Assistance)
Call Center TIA (Tugu Insurance Assistance) sebagai as an effort to increase business for the Company and
upaya peningkatan bisnis bagi perusahaan dan unit customer service units.
pelayanan pelanggan.
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Dalam penyelesaian klaim berupa pembayaran kerugian In settlement of claims in the form of payment of losses to
kepada pihak ketiga, Tugu Insurance selalu menunjukkan third parties, Tugu Insurance always shows its commitment
komitmennya sebagai pelaku usaha yang bergerak di bisnis as a business engaging in the insurance industry by
asuransi dengan menyelesaikan klaim secara cepat sesuai resolving claims quickly according to applicable procedures.
prosedur yang berlaku.
Ketersediaan Fitur & Platform Aplikasi/Layanan Availability of Application/Service Features & Platform
Perseroan telah menyediakan informasi detail mengenai The Company has provided detailed information about
produk dan layanan termasuk fitur dan platform aplikasi products and services including application features and
melalui media antara lain: website Perseroan, customer platforms through media such as the Company’s website,
service di kantor cabang, kantor perwakilan dan PoSS customer service at branch offices, representative offices
(Point of Sales & Service), serta aplikasi cerdas t drive dan t and PoSS (Point of Sales & Service), as well as t drive and t
friends. friends smart applications.
Berikut salah satu contoh bentuk fitur dan platform The following is an example of the platforms and features
yang ditampilkan aplikasi/layanan produk asuransi Tugu that the Tugu Insurance insurance product application/
Insurance: service displays:
Produk
Products
Asuransi Umum General Corporate
Asuransi
Korporat & Retail & Retail Insurance Umum Syariah Sharia General Insurance
Program Literasi dan Inklusi Keuangan Financial Literacy and Inclusion Program
Tugu Insurance terus untuk memberikan edukasi kepada Tugu Insurance continues to educate the public and
masyarakat dan para pelanggan melalui program literasi customers through financial literacy and inclusion programs
dan inklusi keuangan terhadap produk dan layanan for general insurance products and services. To provide the
asuransi umum. Untuk memberikan pemahaman pertama first understanding to customers, the Company prepares
kepada para pelanggan, Perusahaan menyiapkan berbagai various information facilities through the procurement of
sarana informasi melalui pengadaan marketing kit/ marketing kits/promotional tools such as corporate websites
promotional tools seperti corporate website (www.tugu.com), (www.tugu.com), Company Profile, multimedia profiles,
Company Profile, multimedia profile, brosur/leaflet produk, product brochures/leaflets, corporate advertisements and
corporate advertisement dan materi informasi lainnya yang other information materials that explain the products and
menjelaskan produk dan layanan yang dimiliki Perseroan. services owned by the Company.
Sementara itu, untuk meningkatkan level pemahaman Meanwhile, to increase the level of customer understanding
pelanggan atas produk dan layanan Perseroan, Tugu of the Company’s products and services, Tugu Insurance also
Insurance juga menggelar aktivitas rutin dalam bentuk holds routine activities in the form of Courtesy/Client Visit &
Courtesy/Client Visit & Gathering, Sosialisasi Polis Asuransi, Gathering, Insurance Policy Socialization, Insurance Training/
Training/Workshop Asuransi. Hal ini dilakukan sekaligus Workshop. These are done simultaneously for the purpose
dalam rangka pemberian Service After Sales yang berpotensi of providing After Sales Service which has the potential to
terhadap perolehan renewal maupun reciprocal business. obtain renewal and reciprocal business.
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2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Tugu Insurance juga melakukan promosi yang menjadi Tugu Insurance also performed promotions which are
sarana sosialisasi secara tidak langsung kepada pelanggan. a means of indirect outreach to customers. This soft
Soft Promotion ini pun dilakukan untuk terus meningkatkan promotion is also done to continuously increase customers’
brand awareness pelanggan terhadap produk yang brand awareness of the Tugu Insurance’s products. Tugu
Tugu Insurance miliki. Tugu Insurance telah membekali Insurance has equipped employees, especially in the
para pekerja, terutama di bidang pemasaran, dengan marketing post, with knowledge about products and services.
pengetahuan tentang produk dan jasa. Pembekalan ini wajib This debriefing must be followed in accordance with the
diikuti sesuai dengan ketentuan yang berlaku di Perusahaan, provisions in force in the Company, with the aim that
dengan tujuan para pekerja dapat memberikan penjelasan employees can provide detailed explanations to customers.
secara rinci kepada para pelanggan.
Inovasi dan Pengembangan [OJK F.26] Innovation and Development [OJK F.26]
Tugu Insurance melayani seluruh pelanggan dengan standar Tugu Insurance serves all customers with professional and
layanan profesional dan modern melalui penyediaan modern service standards through the provision of financial
solusi keuangan berupa produk asuransi yang inovatif. solutions in the form of innovative insurance products. This
Hal ini sejalan dengan komitmen Perseroan dalam is in line with the Company’s commitment to implementing
mengimplementasikan inisiatif keberlanjutan dirumuskan sustainability initiatives formulated in the RAKB (Sustainable
dalam RAKB (Rencana Aksi Keuangan Berkelanjutan) sesuai Finance Action Plan) in accordance with POJK 51/2017, one
dengan POJK 51/2017, yang salah satunya mencakup of which includes the development of financial products/
pengembangan produk/jasa keuangan. Lebih lanjut, services. Furthermore, the Company conducts various
Perseroan melakukan beragam aktivitas dalam rangka activities in order to initiate and develop a portfolio of
inisiasi dan pengembangan portofolio produk dana dan jasa sustainable financial fund products and services.
keuangan berkelanjutan.
Perseroan juga memastikan setiap inovasi dan The Company also ensures that every innovation and
pengembangan produk dan layanan telah memenuhi regulasi development of products and services comply with
yang berlaku di Indonesia. Selama tahun 2023, inovasi dan applicable regulations in Indonesia. During 2023,
pengembangan yang telah dilakukan Perseroan antara lain: innovations and developments that have been carried out by
the Company include:
1. Marine Hull Nordic Plan; 1. Marine Hull Nordic Plan;
2. Mobile Offshore Drilling Unit; 2. Mobile Offshore Drilling Unit;
3. Asuransi t-foid; 3. T-foid Insurance;
4. Asuransi t down payment sharía; 4. T Down Payment Sharía Insurance;
5. Asuransi t tropical protection sharia; 5. T tropical protection sharia Insurance;
6. Asuransi t gas; 6. T gas Insurance;
7. Asuransi t lube; 7. T Lube Insurance;
8. Asuransi Decommissioning Liability; 8. Decommissioning Liability Insurance;
9. All Risk Insurance/Machinery Breakdown/Business 9. All Risk Insurance/Machinery Breakdown/Business
Interruption Manuscript Indonesia. Interruption Manuscript Indonesia.
Evaluasi Produk/Layanan dan Mitigasi Product/Service Evaluation and Impact Mitigation
Penanggulangan Dampaknya [OJK F.27, F.28, F.29] [OJK F.27, F.28, F.29]
Tugu Insurance melakukan review dan evaluasi sebagai salah Tugu Insurance has conducted reviews and evaluations
satu bentuk pengelolaan/mitigasi risiko terhadap penerbitan as a form of risk management/mitigation of the issuance
produk dan layanan baru. Prosedur review dan evaluasi of new products and services. Review and evaluation
dijalankan untuk memastikan proses peluncuran produk procedures are compeleted to guarantee that the product
telah diterapkan sesuai dengan pengajuan usulan produk/ launch process has been implemented in accordance with
layanan yang disetujui manajemen. Untuk itu, Unit kerja yang the submission of product/service proposals approved by
meluncurkan produk atau layanan baru wajib melaksanakan the management. Thus, work units that launch new products
review dan evaluasi dan memastikan seluruh produk dan or services are required to do reviews and evaluations as
layanan baru telah ditinjau dan dievaluasi keamanannya bagi well as ensure that all new products and services have been
pelanggan. Selama tahun 2023, tidak terdapat produk dan reviewed and evaluated for their safety for customers. During
layanan yang ditarik kembali penggunaannya. 2023, there were no recalled products and services.
160 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Survei Kepuasan Pelanggan [OJK F.30] Customer Satisfaction Survey [OJK F.30] Tugu Insurance terus berupaya meningkatkan kualitas produk Tugu Insurance continues to improve the quality of its dan layanannya secara bertahap dan berkelanjutan. Untuk products and services gradually and continuously. As itu, Tugu Insurance melakukan survei kepuasan pelanggan a result, Tugu Insurance conducts regular customer secara berkala agar mendapatkan input bagi perbaikan satisfaction surveys in order to get input for improving kualitas layanan menuju Product and Service Excellence. service quality towards Product and Service Excellence. In Pada periode pelaporan, Tugu Insurance mengukur tingkat the reporting period, Tugu Insurance measured the level of kepuasan pelanggan di seluruh lini yang melibatkan customer satisfaction in all lines involving various customer berbagai segmen pelanggan. Secara berkala, Tugu Insurance segments. Periodically, Tugu Insurance conducts a Customer mengadakan Survei Loyalitas dan Kepuasan Pelanggan Loyalty and Customer Satisfaction Survey (CSLS). (Customer Loyalty & Customer Satisfaction Survey/CSLS). Survey Loyalitas pelanggan mengukur retensi di mana The Customer Loyalty Survey measures retention where pelanggan melakukan pembelian ulang suatu produk customers make repeat purchases of a particular product tertentu saat ini, daripada memilih jenama pesaing sebagai at this time, rather than choosing a competing brand or gantinya atau mempergunakan layanan mereka saat ini using their current service rather than choosing another daripada memilih layanan yang lainnya. Loyalitas pelanggan service. Customer loyalty includes attitudes in which the termasuk sikap di mana penilaian dan persepsi pelanggan customer’s assessment and perception of a product, tentang suatu produk, layanan, relasi, pengalaman, harapan, service, relationship, experience, expectation, or corporate ataupun jenama korporat (corporate brand) yang terkait brand associated with repeat purchases to the willingness dengan pembelian berulang hingga kesediaan memberikan to provide references to other parties. The Customer referensi terhadap pihak lainnya. Adapun Survei Kepuasan Satisfaction Survey is a parameter of the customer Pelanggan merupakan parameter level kepuasan pelanggan satisfaction level with the products and services received, terhadap produk maupun layanan yang diterima, serta untuk as well as to measure the comparison between expectations mengukur perbandingan antara harapan terhadap persepsi and perceived experience. pengalaman yang dirasakan. Hasil pengukuran dari Total Indeks Kepuasan dan Loyalitas The result of the 2023 Customer Satisfaction & Loyalty Pelanggan (Customer Satisfaction & Loyalty Index/CSLI) Index (CSLI) was 4.28, while the Net Promoter score reached 2023 sebesar 4,28, sedangkan skor Net Promoter mencapai 58.4% or 4.59 on a scale of 5.00. 58,4% atau 4,59 dari skala 5,00. 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 2023 Keberlanjutan 2023. 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. PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 161
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2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
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
162 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
Page 163
4. Bagian laporan mana yang kurang menarik bagi Anda:
Which part of this report is less interesting to you:
Sangat Tidak Setuju Tidak Setuju Netral Setuju Sangat Setuju
Strongly Disagree Disagree Neutral Agree Strongly Agree
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
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 163
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Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Surat Pernyataan Dewan Komisaris
Statement Letter of Board of Commissioners
Kami yang bertanda tangan di bawah ini menyatakan bahwa The undersigned below acknowledge that all information
semua informasi dalam Laporan Keberlanjutan contained in the 2023 Sustainability Report of
PT Asuransi Tugu Pratama Indonesia Tbk Tahun 2023 telah PT Asuransi Tugu Pratama Indonesia Tbk has been presented
dimuat secara lengkap dan bertanggung jawab penuh atas as a whole and therefore are accountable for the validity of
kebenaran isi Laporan Keberlanjutan Perusahaan tersebut. the Company’s Sustainability Report.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is made truthfully.
Jakarta, 5 April 2024
Dewan Komisaris
Board of Commissioners
Dian Masyita
Presiden Komisaris & Komisaris Independen
President Commissioner & Independent Commissioner
Bagus Agung Rahadiansyah Samuel Lie (Samuel Ramna)
Komisaris Komisaris
Commissioner Commissioner
Poerwo Tjahjono Tajudin Noor*)
Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner
*)
telah lulus hasil penilaian kemampuan dan kepatutan berdasarkan *)
has passed the fit and proper test based on the Decree of the
Surat Keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan Members of the Board of Commissioners of the Financial Services Authority
No. KEP-6/D.05/2024 tanggal 18 Januari 2024 No. KEP-6/D.05/2024 dated 18 January 2024.
164 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Surat Pernyataan Direksi
Statement Letter of Board of Directors
Kami yang bertanda tangan di bawah ini menyatakan bahwa The undersigned below acknowledge that all information
semua informasi dalam Laporan Keberlanjutan contained in the 2023 Sustainability Report of
PT Asuransi Tugu Pratama Indonesia Tbk Tahun 2023 telah PT Asuransi Tugu Pratama Indonesia Tbk has been presented
dimuat secara lengkap dan bertanggung jawab penuh atas as a whole and therefore are accountable for the validity of
kebenaran isi Laporan Keberlanjutan Perusahaan tersebut. the Company’s Sustainability Report.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is made truthfully.
Jakarta, 5 April 2024
Direksi
Board of Directors
Tatang Nurhidayat
Presiden Direktur
President Director
Emil Hakim Ery Widiatmoko
Direktur Keuangan & Layanan Korporat Direktur Pemasaran Asuransi
Director of Corporate Finance & Services Director of Insurance Marketing
Edi Yoga Prasetyo*) Sudarlin
Direktur Kepatuhan & Manajemen Risiko Direktur Teknik
Director of Compliance & Risk Management Technical Director
*)
telah lulus hasil penilaian kemampuan dan kepatutan berdasarkan *)
has passed the fit and proper test based on the Decree of the
Surat Keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan Members of the Board of Commissioners of the Financial Services Authority
No. KEP-5/D.05/2024 tanggal 18 Januari 2024. No. KEP-5/D.05/2024 dated 18 January 2024.
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 165
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Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Tanggapan Terhadap Umpan Balik (G.3)
Comments on Feedbacks (G.3)
Selama tahun 2023, Tugu Insurance tidak menerima Tugu Insurance throughout 2023 did not receive any
tanggapan dan umpan balik terhadap Laporan Keberlanjutan response or feedback on the 2022 Sustainability Report.
Tahun 2022. Namun demikian, Perseroan berupaya untuk Yet, the Company constantly strives to improve the content
menyempurnakan isi laporan tahun 2023 sesuai dengan of the 2023 with reference to its sustainability performance
kinerja keberlanjutan selama tahun pelaporan. during the reporting year.
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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
A 6
Sustainability Strategies
A.1a Visi dan Misi dalam implementasi Strategi Berkelanjutan
6
A.1a Vision and Mission in the implementation of the Sustainability Strategy
A.1b Pengelolaan risiko dan hasil yang ingin dicapai.
8
A.1b Risk management and Expected Results
A.1c Strategi keberlanjutan dan Hasil yang Ingin Dicapai
10
A.1c Sustainability Strategy and Expected Results
Ikhtisar Kinerja Aspek Keberlanjutan
B 18
Performance Overview of Sustainability Aspects
B.1. Aspek Ekonomi
18
B.1. Economical Aspect
B.2. Aspek Lingkungan Hidup
18
B.2 Environmental Aspect
B.3. Aspek Sosial
20
B.3. Social Aspect
Profil Perusahaan
C 46
Company Profile
C.1. Visi, Misi, dan Nilai Keberlanjutan
51
C.1. Vision, Mission, and Sustainability Values
C.2. Alamat dan Sejarah Singkat Perusahaan
48
C.2. Company Address and Short History
C.3. Skala Usaha
53
C.3. Business Scale
C.4. Produk, Layanan dan Kegiatan Usaha
59
C.4. Products, Services, and Business Activities
C.5. Keanggotaan Asosiasi
62
C.5. Association Membership
C.6. Perubahan Signifikan
63
C.6. Significant Changes
Penjelasan Direksi
D 24
Directors’ Explanations
D.1. Kebijakan Merespon Tantangan Dalam Strategi Keberlanjutan
26
D.1. Policies to Respond to Challenges in Sustainability Strategies
D.2. Penerapan Keuangan Berkelanjutan
29
D.2. Implementation of Sustainable Finance
D.3. Strategi pencapaian target
33
D.3. Target achievement strategy
Tata Kelola Keberlanjutan
E 76
Sustainability Governance
E.1. Penanggungjawab Penerapan Keuangan Berkelanjutan
79
E.1. Person-in-Charge for the Implementation of Sustainable Finance
E.2. Pengembangan Kompetensi Keuangan Berkelanjutan
96
E.2. Sustainable Finance Competency Development
E.3. Penilaian Risiko atas Penerapan Keuangan Berkelanjutan
99
E.3. Risk Assessment on the Implementation of Sustainable Finance
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Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Uraian Halaman
No
Description Page
E.4. Hubungan dengan Pemangku Kepentingan
107
E.4. Stakeholder Relations
E.5. Permasalahan Terhadap Penerapan Keuangan Berkelanjutan
109
E.5. Problems with the Implementation of Sustainable Finance
Kinerja Keberlanjutan
F 112
Sustainability Performance
F.1. Kegiatan Membangun Budaya Keberlanjutan
109
F.1. Activities to Build a Culture of Sustainability
Kinerja Ekonomi
Economic Performance
F.2. Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau Investasi, Pendapatan dan Laba
Rugi.
117
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
117
F.3. Comparison of Targets and/or Projects That Are In Line with Sustainable Finance. Portfolio Performance, Target
Financing, or Investment in Financial Instruments
Kinerja Lingkungan Hidup
Environmental Performance
Aspek Umum
General Aspects
F.4. Biaya Lingkungan Hidup
123
F.4. Environmental Cost
Aspek Material
Material Aspects
F.5. Penggunaan Material yang Ramah Lingkungan
124
F.5. Use of Environmentally Friendly Materials
Aspek Energi
Energy Aspects
F.6. Jumlah dan Intensitas Energi yang Digunakan
124
F.6. Amount and Intensity of Energy Used
F.7. Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan
124
F.7. Efforts and Achievements of Energy Efficiency and Use of Renewable Energy
Aspek Air
Water Aspects
F.8. Penggunaan Air
126
F.8. Water usage
Aspek Keanekaragaman Hayati
Biodiversity Aspects
F.9. Dampak Wilayah Operasi Terhadap Daerah Konservasi/Keanekaragaman Hayati
127
F.9. Impact of Operational Area on Conservation/Biodiversity Area
F.10. Usaha Konservasi Keanekaragaman Hayati
127
F.10. Biodiversity Conservation Efforts
Aspek Emisi
Emission Aspects
F.11. Jumlah dan Intensitas Emisi
128
F.11. Emission Amount and Intensity
F.12. Upaya dan Pencapaian Pengurangan Emisi
128
F.12. Emission Reduction Efforts and Achievements
Aspek Limbah dan Efluen
Waste and Effluent Aspects
F.13. Jumlah Limbah dan Efluen
132
F.13. Amount of Waste and Effluent
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Uraian Halaman
No
Description Page
F.14. Mekanisme Pengelolaan Limbah dan Efluen
132
F.14. Waste and Effluent Management Mechanism
F.15. Tumpahan yang Terjadi (jika ada)
132
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
132
F.16. Number and Material of Environmental Complaints
Kinerja Sosial
Social Performance
F.17. Komitmen untuk Memberikan Layanan atas Produk dan/atau Jasa yang Setara kepada Konsumen
154
F.17. Commitment to Providing Services for Equal Products and/or Services to Consumers
Aspek Ketenagakerjaan
Employment Aspects
F.18. Kesetaraan Kesempatan Kerja
135
F.18. Equal Employment Opportunity
F.19. Tenaga Kerja Anak dan Tenaga Kerja Paksa
135
F.19. Child Labor and Forced Labor
F.20. Upah Minimum Regional
136
F.20. Regional Minimum Wage
F.21. Lingkungan Kerja yang Layak dan Aman
137
F.21. Decent and Safe Work Environment
F.22. Pelatihan dan Pengembangan
139
F.22. Training and Development
Aspek Masyarakat
Community Aspects
F.23. Dampak Operasi terhadap masyarakat Sekitar
144
F.23. Impact of Operations on the Surrounding Community
F.24. Mekanisme dan Jumlah Pengaduan Masyarakat
152
F.24. Mechanism and Number of Public Complaints
F.25. TJSL terhadap SDGs
148
F.25. CSR against SDGs
Tanggung Jawab Pengembangan Produk
Product Development Responsibilities
F.26. Inovasi dan Pengembangan
160
F.26. Innovation and Development
F.27. Jumlah dan Persentase Evaluasi Produk yang Dievaluasi
160
F.27. Number and Percentage of Product Evaluations Evaluated
F.28. Dampak Produk dan Mitigasi Penanggulangan
160
F.28. Product Impact and Mitigation Countermeasures
F.29. Jumlah Produk yang Ditarik Kembali
160
F.29. Number of Recalled Products
F.30. Survei Kepuasan Pelanggan
160
F.30. Customer Satisfaction Survey
Lain-lain
G
Others
G.1. Verifikasi Tertulis dari Pihak Independen (jika ada)
161
G.1. Written Verification from an Independent Party (if any)
G.2. Lembar Umpan Balik
162
G.2. Feedback Sheet
G.3. Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan Tahun Sebelumnya
166
G.3. Feedback on Previous Year's Sustainability Report Feedback
G.4. Daftar Pengungkapan Sesuai Peraturan Otoritas Jasa Keuangan Nomor 51/POJK.03/2017
167
G.4. List of Disclosures According to Financial Services Authority Regulation Number 51/POJK.03/2017
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 169
Page 170
1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
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 untuk
Statement of Use periode 1 Januari 2023-31 Desember 2023
PT Asuransi Tugu Pratama Indonesia Tbk has reported the information with reference to the
GRI Standards for the period 1 January 2023-31 December 2023
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.
Standar Items Not Listed Rujukan
GRI/ Standar
Sumber Pengungkapan Lokasi Persyaratan Yang Sektor GRI
Lain Disclosure Location Tidak Dicantumkan Alasan Penjelasan Number Of
GRI Standard Requirements Not Reasons Explanation GRI Sector
/Other Source Listed Standard
Reference
Pengungkapan umum
General disclosure
GRI 2: Organisasi dan praktik pelaporan
Pengungkapan Organization and reporting practice
Umum 2021 2-1 Rincian organisasi
General 48
2-1 Organization details
disclosure
2021 2-2 Entitas yang dimasukkan
dalam pelaporan keberlanjutan
organisasi
38
2-2 Entities included in the
organization's sustainability
reporting
2-3 Periode, frekuensi, dan titik
kontak pelaporan
38
2-3 Reporting period, frequency
and touchpoints
2-4 Penyajian kembali informasi
40
2-4 Restatement of information
2-5 Penjaminan eksternal
44
2-5 External guarantee
Aktivitas dan pekerja
Activities and worker
2-6 Aktivitas, rantai nilai, dan
hubungan bisnis lainnya
59, 65
2-6 Activities, value chains and
other business relationships
2-7 Tenaga kerja
54
2-7 Workforce
2-8 Pekerja yang bukan pekerja
langsung
54
2-8 Workers who are not direct
workers
170 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
Page 171
Yang Tidak Dicantumkan No.
Standar Items Not Listed Rujukan
GRI/ Standar
Sumber Pengungkapan Lokasi Persyaratan Yang Sektor GRI
Lain Disclosure Location Tidak Dicantumkan Alasan Penjelasan Number Of
GRI Standard Requirements Not Reasons Explanation GRI Sector
/Other Source Listed Standard
Reference
Tata Kelola
Governance
2-9 Struktur dan komposisi tata
Kelola
79
2-9 Governance structure and
composition
2-10 Pencalonan dan pemilihan
badan tata kelola tertinggi
92
2-10 Nomination and election of
the highest governance body
2-11 Ketua badan tata kelola
tertinggi
82, 86, 87
2-11 Chair of the highest
governance body
2-12 Peran badan tata kelola
tertinggi dalam mengawasi
manajemen dampak
88
2-12 The role of the highest
governance body in overseeing
impact management
2-13 Delegasi tanggung jawab
untuk mengelola dampak
91
2-13 Delegation of responsibility
for managing impacts
2-14 Peran badan tata kelola
tertinggi dalam pelaporan
keberlanjutan
82, 86, 88
2-14 The role of the highest
governance body in sustainability
reporting
2-15 Konflik kepentingan
111
2-15 Conflict of interest
2-16 Komunikasi masalah
penting
111
2-16 Communication of
important matter
2-17 Pengetahuan kolektif badan
tata kelola tertinggi
96
2-17 Collective knowledge of the
highest governance body
2-18 Evaluasi kinerja badan tata
kelola tertinggi
2-18 Evaluation of the 93, 94
performance of the highest
governance body
2-19 Kebijakan remunerasi
94
2-19 Remuneration policy
2-20 Proses untuk menentukan
remunerasi
94
2-20 Process for determining
remuneration
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 171
Page 172
1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Yang Tidak Dicantumkan No.
Standar Items Not Listed Rujukan
GRI/ Standar
Sumber Pengungkapan Lokasi Persyaratan Yang Sektor GRI
Lain Disclosure Location Tidak Dicantumkan Alasan Penjelasan Number Of
GRI Standard Requirements Not Reasons Explanation GRI Sector
/Other Source Listed Standard
Reference
2-21 Rasio kompensasi total
tahunan
136
2-21 Annual total compensation
ratio
Strategi, kebijakan, dan praktik
Strategy, policy and practice
2-22 Pernyataan tentang strategi
pembangunan berkelanjutan
10
2-22 Statement on sustainable
development strategy
2-23 Komitmen kebijakan
6, 7, 107
2-23 Poilcy commitment
2-24 Menanamkan komitmen
kebijakan 10, 107
2-24 Embed policy commitment
2-25 Proses untuk memperbaiki
dampak negatif
8, 12, 107
2-25 Process for correcting
negative impacts
2-26 Mekanisme untuk mencari
nasihat dan mengemukakan
masalah 107
2-26 Mechanisms for seeking
advice and raising concerns
2-27 Kepatuhan terhadap hukum
dan peraturan
107
2-27 Compliance with laws and
regulations
2-28 Asosiasi keanggotaan
62
2-28 Membership association
Keterlibatan pemangku kepentingan
Stakeholders Involvement
2-29 Pendekatan untuk
keterlibatan pemangku
kepentingan 107
2-29 Approaches to stakeholder
engagement
2-30 Perjanjian perundingan
kolektif
141
2-30 Collective bargaining
agreement
Pengungkapan Topik material
Disclosure of Material Topics
GRI 3: Topik 3-1 Proses untuk menentukan
GRI 3: Topics topik material
40
3-1 Process for determining
material topics
Material 2021 3-2 Daftar topik material
42
3-2 List of material topics
172 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
Page 173
Yang Tidak Dicantumkan No.
Standar Items Not Listed Rujukan
GRI/ Standar
Sumber Pengungkapan Lokasi Persyaratan Yang Sektor GRI
Lain Disclosure Location Tidak Dicantumkan Alasan Penjelasan Number Of
GRI Standard Requirements Not Reasons Explanation GRI Sector
/Other Source Listed Standard
Reference
Topik
Aspek Ekonomi
material
Economy Aspects
Material Topics
GRI 3: Topik
Material 2021 3-3 Manajemen topik material
115, 143
GRI 3: Material 3-3 Material topic management
Topics 2021
GRI 201 Kinerja Ekonomi 2016
2016 Economic Performance
201-1 Nilai ekonomi langsung
dihasilkan dan didistribusikan
118
201-1 Direct economic value
generated and distributed
201-2 Implikasi keuangan dan
risiko serta peluang lain akibat
perubahan iklim
119
201-2 Financial implications and
other risks and opportunities
resulting from climate change
201-3 Kewajiban program
imbalan pasti dan program
pensiun lainnya
120
201-3 Obligations of defined
benefit plans and other pension
plans
201-4 Bantuan keuangan yang
diterima dari pemerintah
120
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
146
203-1 Infrastructure investments
and service support
203-2 Dampak ekonomi tidak
langsung yang signifikan
144, 147
203-2 Significant indirect
economic impact
Topik
Aspek Lingkungan
material
Environmental Aspects
Material topics
GRI 3: Topik
Material 2021 3-3 Manajemen topik material
123
GRI 3: Material 3-3 Material topic management
Topics 2021
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 173
Page 174
1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Yang Tidak Dicantumkan No.
Standar Items Not Listed Rujukan
GRI/ Standar
Sumber Pengungkapan Lokasi Persyaratan Yang Sektor GRI
Lain Disclosure Location Tidak Dicantumkan Alasan Penjelasan Number Of
GRI Standard Requirements Not Reasons Explanation GRI Sector
/Other Source Listed Standard
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 lindung 127
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
128
304-2 Significant impacts of
activities, products and services
on biodiversity
304-3 Habitat yang dilindungi
atau direstorasi 128
Protected or restored habitat
304-4 Spesies Daftar Merah
IUCN dan spesies daftar
konservasi nasional dengan
habitat dalam wilayah yang
terkena efek operasi 128
304-4 IUCN Red List species
and national conservation list
species with habitats in areas
affected by operations
Topik
Aspek Sosial
material
Social Aspects
Material topics
GRI 3: Topik
Material 2021 3-3 Manajemen topik material
137
GRI 3: Material 3-3 Material topic management
Topics 2021
GRI 403 Kesehatan dan Keselamatan Kerja 2018
Occupational Health and Safety 2018
403-1 Sistem manajemen
kesehatan dan keselamatan
kerja 138
403-1 Occupational health and
safety management system
403-2 Identifikasi bahaya,
penilaian risiko, dan investigasi
insiden
138
403-2 Hazard identification,
risk assessment, and incident
investigation
403-3 Layanan kesehatan kerja
403-3 Occupational health 138
services
174 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
Page 175
Yang Tidak Dicantumkan No.
Standar Items Not Listed Rujukan
GRI/ Standar
Sumber Pengungkapan Lokasi Persyaratan Yang Sektor GRI
Lain Disclosure Location Tidak Dicantumkan Alasan Penjelasan Number Of
GRI Standard Requirements Not Reasons Explanation GRI Sector
/Other Source Listed Standard
Reference
403-4 Partisipasi, konsultasi,
dan komunikasi pekerja tentang
keselamatan dan kesehatan
kerja
138
403-4 Worker participation,
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
138
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 mitigation 139
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 139
403-8 Workers covered by the
occupational safety and health
management system
403-9 Kecelakaan kerja
139
403-9 Work accident
403-10 Penyakit akibat kerja
138
403-10 Occupational diseases
GRI 3: Topik
Material 2021 3-3 Manajemen topik material
140
GRI 3: Material 3-3 Material topic management
Topics 2021
GRI 404 Pelatihan dan Pendidikan 2016
Training and Education 2016
404-1 Rata-rata jam pelatihan
per tahun per karyawan
140
404-1 Average training hours per
year per employee
404-2 Program untuk
meningkatkan keterampilan
karyawan dan program bantuan
peralihan 141
404-2 Programs to improve
employee skills and transition
assistance programs
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 175
Page 176
1 Strategi Keberlanjutan 3 Penjelasan Direksi 5 Profil Perusahaan 7 Kinerja Keberlanjutan
Sustainability Strategy An Explanation from Board of Directors Company Profile Sustainability Performance
2 Ikhtisar Kinerja Aspek Keberlanjutan 4 Tentang Laporan Keberlanjutan 6 Tata Kelola Keberlanjutan
Sustainability Aspects Performance Overview About this Sustainability Report Sustainability Governance
Yang Tidak Dicantumkan No.
Standar Items Not Listed Rujukan
GRI/ Standar
Sumber Pengungkapan Lokasi Persyaratan Yang Sektor GRI
Lain Disclosure Location Tidak Dicantumkan Alasan Penjelasan Number Of
GRI Standard Requirements Not Reasons Explanation GRI Sector
/Other Source Listed Standard
Reference
404-3 Persentase karyawan
yang menerima tinjauan
rutin terhadap kinerja dan
pengembangan karier 141
404-3 Percentage of employees
who receive regular performance
and career development reviews
GRI 3: Topik
Material 2021 3-3 Manajemen topik material
143
GRI 3: Material 3-3 Material topic management
Topics 2021
GRI 413 Masyarakat Lokal 2016
2016 Local Communities
413-1 Operasi dengan
keterlibatan masyarakat lokal,
penilaian dampak, dan program
pengembangan
144
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 144
413-2 Operations that have
actual and potential significant
negative impacts on local
communities
176 LAPORAN KEBERLANJUTAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
Page 177
PT Asuransi Tugu Pratama Indonesia Tbk 2023 SUSTAINABILIT Y REPORT 177
Page 178
Enhancing Innovation,
Elevating Sustainable Performance
2023 Laporan Keberlanjutan
Sustainability Report
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 : calltia@tugu.com
Berizin dan Diawasi oleh
Otoritas Jasa Keuangan (OJK)
www.tugu.com
Names mentioned 77 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Indonesia
p.34
unresolved
org
PT Asuransi Tugu Pratama Indonesia Tatang Nurhidayat
p.35
unresolved
org
Financial Services Authority
p.38 ×11
unresolved
org
PT TUGU
p.39 ×2
unresolved
org
PT REASURANSI
p.39
unresolved
org
PT ASURANSI PRATAMA
p.39
unresolved
org
PT PRATAMA
p.39
unresolved
org
MANDIRI LIMITED
p.39
unresolved
person
Tan Thong Kie
· Notaris
p.48
unresolved
org
Menteri Kehakiman Republik Indonesia
p.48
unresolved
person
Tan Tjong Kie
· Notaris
p.48
unresolved
org
Minister of Justice
p.48 ×2
unresolved
org
Indonesia Stock Exchange
p.48
unresolved
org
PT Tugu Pratama
p.49
unresolved
org
PT Tugu Pratama Indonesia Indonesia
p.49
unresolved
person
Thong Tan Kie
· Notaris
p.49
unresolved
person
Notary Jose Dima Satria
· President Director
p.49 ×29
unresolved
org
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia
p.49
unresolved
org
Minister of Law and Human Rights
p.49
unresolved
org
Milik Negara
p.49
unresolved
org
Kementerian Badan Usaha Milik Negara
p.52
unresolved
person
Deputi
· Direktur
p.54
unresolved
org
PT Dantindo Entrycom
p.56
unresolved
org
PT Datindo Entrycom
p.56
unresolved
org
Co. Ltd.
p.56
unresolved
person
H. T. Muhammad Kompleks Pertamina
p.57
unresolved
person
Dr. Cipto
p.58
unresolved
person
Adi Zakaria Afiff
· Komisaris Independen
p.63 ×3
unresolved
person
Jafril Khalil
· Ketua
p.63 ×3
unresolved
person
Muhammad Maksum
· Ketua
p.63 ×5
unresolved
person
Syaiful Azhar
· Direktur
p.63 ×2
unresolved
person
Budi P. Amir
· Direktur
p.63 ×3
unresolved
person
Amelia Kurniawan
p.63
unresolved
org
Menteri BUMN dan Peraturan Otoritas
p.78
unresolved
person
Other Functions
· Komisaris
p.81
unresolved
person
(Samuel Ramna)
· Commissioner
p.82 ×2
unresolved
person
Organ
· Komisaris
p.84 ×3
unresolved
person
Committee
· Komisaris
p.85
unresolved
—
MDC
· SSB Chair
p.86
unresolved
person
dr. Siti Hannah, M.K.M*
· Anggota DPS
p.86 ×3
unresolved
—
Tug
· Presiden Direktur
p.87
unresolved
person
Institutions
· Komisaris
p.92
unresolved
—
Proposed by
p.93
unresolved
person
Bagan Prosedur Penetapan Remunerasi
· Komisaris
p.96
unresolved
—
Shareholders at the GMS
p.96
unresolved
—
amount of remuneration based on the approval
p.96
unresolved
—
their components in 2023 is presented in
p.96
unresolved
—
Capability
p.96
unresolved
—
organizes training/orientation programs for
p.96
unresolved
—
familiarized with each other and establish cooperation as a
p.96
unresolved
—
solid, comprehensive, and effective team.
p.96
unresolved
—
policies for the training/orientation program for new
p.96
unresolved
—
Manual as follows:
p.96
unresolved
—
1. For newly appointed Members
p.96
unresolved
—
orientation program must be given
p.96
unresolved
—
or official who performs the functions
p.96
unresolved
—
3. The orientation program includes:
p.96
unresolved
—
Governance in
p.96
unresolved
person
Tajudin Bapak Tajudin Noor
· Komisaris Independen
p.97 ×8
unresolved
org
Risk Management Forum Pertamina Group
· Direktur Keuangan
p.98
unresolved
—
Rudy Samudra**
· Corporate Secretary
p.98
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