TICEAS-258 Design of Motor Vehicle Insurance Policy Management Application
|
|
- Nathaniel McDowell
- 6 years ago
- Views:
Transcription
1 TICEAS-258 Design of Motor Vehicle Insurance Policy Management Application Anak Agung Gde Agung Diploma of Accounting Computerization, Telkom University ABSTRACT Extensive growth of vehicle ownership higher, not followed by growth of the road cause increasing rate in vehicle density. With the density of 188 vehicles per kilometer in 2012, risk of accident increases. In 2012, there were 117,949 accidents happened, causing loss over billion rupiahs. One way to transfer the risk of loss is through motor vehicle insurance. Insurance premium was calculated using Financial Services Authority (Otoritas Jasa Keuangan) 2014 regulation. Business process was designed using Flowchart and Data Flow Diagram. Database was designed using Relationship Diagram. The research also create user interface design for the application. This research produce design of an application which can calculate motor vehicle insurance premium, manage policy submitted, handle claim submission, and journal the transactions. Keyword: motor vehicle, insurance, policy, application, design 1. Introduction The growth of vehicle ownership in Indonesia has increased very rapidly during the last few years. This is caused by better income, affordable (low-cost) vehicles and public transport condition that are still not comfortable for most of the people. According to Indonesian Automotive Industry Association, there were 1.2 million car sold in 2013 and it is targeted at 1.25 million units for 2014 [1]. This growth is not proportional to growth of the road. From the statistical data, in 1992 there were an average of 33 vehicles per one kilometer of road, increased to 188 vehicles per kilometer of road in 2012 [2] [3]. Figure 1 Number of Motor Vehicle per Kilometer in Indonesia (left), Material Loss Caused by Motor Vehicle Accident in Indonesia (right) 88
2 This rate of density becomes one sources of accidents on the road. From the available data, there were 117,949 accidents in 2012 nationwide, which resulted loss as much as billion rupiah (about US$ million) [4]. One way to transfer the risk of loss is through insurance. Growth in the number of motor vehicles is an opportunity for motor vehicle insurance company in Indonesia. This research aims to design application that can perform the calculation of premium motor vehicles, manage policies and manage the handling of claims submitted by users of insurance services, using the latest insurance regulation by the government. 2. References 2.1 Risk Risk is defined as uncertainty about loss. Therefore, the risk begins with an uncertain condition. Risk is measured by the probability of an event, and the effects that these events when they occur. Probability of loss is defined as the possibility of occurrence of an event that may cause loss [5]. Because preceded by uncertainty, risk can inhibit an event, accelerating the achievement of an event, or cause no effect at all to that event [6]. 2.2 Insurance Insurance is one of the common methods used to transfer the risk of a person to be covered collectively. Insurance also means that there will be replacement for losses suffered. Thus, insurance is an economic device whereby a person in a community pay a relatively small fee (called a premium) to replace the larger losses that may occur (called risk) over the community [5]. In practice, insurance company acts as a facilitator in making agreements, collecting the premiums, calculating losses and paid losses suffered by a person. Agreement which contains rules and guidelines agreed upon by the insurance company and the person who uses the services of insurance is called policy [7] [5]. 2.3 Motor Vehicle Insurance Insurance business in Indonesia is covered by Government Regulation number 73 year 1992 which then undergoes three changes, the last in Government Regulation number 81 year 2008, to regulate insurance business [8] [9]. To manage insurance business in motor vehicle and property, then the Otoritas Jasa Kendaraan or Financial Services Authority issued a regulation regarding the determination of premium rates and provisions acquisition costs in 2014, which is effective from January 1, 2014 [10]. The cost of motor insurance premiums in Indonesia is divided into three regions, Sumatra and surrounding islands (Region 1), DKI Jakarta, West Java and Banten (Region 2) and other regions in addition to Region 1 and 2. This document also regulates the cost of insurance (premium rate) to be paid by customer. 89
3 2.4 Total Loss Only One of the schemes offered by insurance companies, in particular motor vehicle insurance is a protection scheme Total Loss Only (TLO), which occurs when [11] [12] [13] [14]: Vehicle were damaged, and cannot be repaired technically and legally, Vehicles were damaged so that the cost to repair the damage exceeds a certain percentage of the value of the vehicle at that time. The percentage of common damage percentage used by insurance companies in Indonesia is 75%. Vehicle were stolen and lost and cannot be found within a certain period of time, for example 60 days. 2.5 All Risk (Comprehensive) This schemes provide complete protection to the vehicle. It covers total damage (TLO) or partial damage such as misconduct, theft, collision or damage from impact. [11] [15] [12]. 2.6 Additional Coverage In addition to the schemes above, there are schemes which provide protection against losses due to natural disasters (floods, earthquakes and tsunamis), as well as unusual events (riots and unrest, terrorism). This scheme results can be selected to complement the main protection schemes that have been selected [10]. 2.7 Accounting Journal Journal is a record that stores transaction records are sorted by the time occurrences of transactions, written every day [16]. Table-shaped journal have components such as date, description, reference, as well as debit and credit columns. The process of recording transactions in a journal is called journalizing [17]. Recorded in the journal description that explains the purpose of transactions [18]. Transactions in the journal are grouped into accounts. 2.8 Flowchart One way to model business processes is by Flowchart [19]. This diagram illustrates the sequence of activities in a process to resolve the problem, illustrates the software design in general, and describes a part or the main process of the software to be built [20]. 2.9 Data Flow Diagram The connection of data between objects in a system can be described with Data Flow Diagram (DFD). There are some objects that are described in the DFD: External entities, which describe the source of the incoming data stream into the system. This entity also describes the destination of data flow out of the system. External entities 90
4 are illustrated by rectangles. Process, which describes steps or procedure to solve problems in a structured manner, and store the data that describes data storage. The process is illustrated with a circle, and data store represented by the two horizontal lines in parallel. Arrow, which shows flow of the data. Data Flow Diagram should have process less than seven. If so, it can be broken down into several derivative / level [21] Entity Relationship Model Entity Relationship Model is a model used to describe the data of a process, which is implemented in a data base and its components. The main components in the ER are the entities and relationships that occur between entities [22] [23]. Entities and their relationships are illustrated in a diagram. One of the notation used in diagram is the Crow's Foot notation [24] [25]. 3. User User of this application is divided into two types, the customer and the insurance company (operator). In outline, customer can register the vehicle (and request for policy), and filed a claim. Operators can perform policy approval and manage claims filed by the customer. Calculation of premiums and journalizing process will be done automatically by the system. If desired, the user categories can be changed, by moving the process and permissions as needed. 4. Flowchart There are two main processes in this design proposed. The first is the policy-issue procedure. The process begins when a customer enroll for the insurance program. The insurance company is receiving request by the customer. In this process, all the administrative requirements checked by the company. Vehicles survey by surveyors to determine the value of the vehicle. Creating the policy according to the selected protection scheme chosen by the customer. Payments by customer. Activation of the policy. 91
5 Figure 2 Procedure for Policy Issue (left), Claim Handling (right) The second process describes the steps performed by insurance companies when a customer file a claim. The insurance company receives the claim. Surveyors will conduct an examination of the damage. Approval (or refusal) of the claim by insurance companies. Customer pays the customer's own risk. Replacement of the cost of repairs (reimbursement) or the issue of Work Order to partner workshop to repair the damage. 5. Data Flow Diagram Data Flow Diagram for context diagrams can be seen in Figure 3. Diagram is described using DeMarco/Yourdan notation [26]. Data Flow Diagram Level 1 is a breakdown of the context diagram. There are four major processes in this application. Data Flow Diagram Level 2 for Policy Issue process shown in Figure 4. Policy Issue Process can be broken down into following sub-processes. Vehicle registration, the process of registering a vehicle by the customer. Premium Calculation, the system will calculate insurance premiums according to the protection package selected by the user. Policy Approval, which is done by the operator to determine whether the proposed policy can be approved or not. 92
6 Premium Payment, which is a process that occurs when a user pays a premium for the policy approved. Figure 3 Context Diagram (left), Data Flow Diagram Level 1 (right) Figure 4 Data Flow Diagram Level 2 Policy Issue (left), Claim Processing (right) Claim processing can be broken down into following sub-processes. Claim check, the insurance company check on the claims submitted by users. Claim Approval, conducted to determine whether the claims covered by the policy. Claim Payment, when the insurance company pays compensation of the damage or issue work order to workshop to repair the vehicle. 93
7 6. Entity Relational Diagram There are eight tables that will be used in this application. Figure 5 ER Diagram COA, contains Chart of Account. Jurnal, contains journal entry records. Transaction, consists records of transaction. Claim, contains claims data. Policy Detail, contains detailed premium data in every policy. Policy, contains policy data for a vehicle in specific coverage year. Rate, contains rate detail available to specific area in Indonesia. Vehicle_DB, contains specific information about a vehicles. 7. User Interface Design There are four main interface in the design of this application. Note that this interface is written in Bahasa Indonesia, but explanation below should describe the interface. Vehicle registration, accessed by customer when submitting the first data of the vehicle. Customer enter data about the vehicle such as registration number, engine number, chassis number, and photograph of the vehicle. Policy registration, accessed by operator when customer request policy issue. Customer then choose available protection, and the cost of the premium automatically calculated based on government regulation. 94
8 Figure 6 Vehicle Registration Menu (left), Policy Registration Menu (right) Figure 7 Claim (left), Claim Evaluation Menu (right) Claim, accessed by customer when filling a claim. Customer can enter the date of the event (accident) and a description about the event. vehicle, and make estimation about the loss. If accepted, system calculate the own cost must be paid by customer. Journal, accesses by operator to display transaction journal. Figure 8 Journal 95
9 8. Journalizing Application will make automatic journalizing to all financial transaction, such as premium payment or claim payment. Transactions are grouped into the accounts according to the purpose of the transaction. When users paid the insurance policy, the journal will be recorded as follows. Date Acc. Description Ref. Debit Credit 01-Nov 1xx Cash 5,000 4xx Revenue 5,000 repair or pay the repair at the workshop. The journal will be recorded as follow. Date Acc. Description Ref. Debit Credit 01-Nov 5xx Claim Expense 5,000 1xx Cash 5, Conclusion This research resulted in design of application that are ready to be implemented. Main process is represented by Flowchart. Connections of process and data flows are represented by Data Flow Diagram. Database design represented by relationship diagram. Interface design also available for main process. This application is designed to calculate insurance policy based on premium rate set by government regulation. It is also designed to manage are done. REFERENCES [1] [Online]. Available: [Diakses 05 September 2014]. [2] - Pusat Statistik, [3] [4] Kerugian Materi yang Diderita Tahun [5] IMS Proschool, Risk Management and Insurance Planning, Tata McGraw-Hill, [6] P. Hopkin, Fundamentals of Risk Management: Understanding, Evaluating and 96
10 Implementing Effective Risk Management, Kogan Page Publishers, [7] M. S. Dorfman, e-study Guide for: Introduction to Risk Management and Insurance, Cram101 Textbook Reviews, [8] Presiden Republik Indonesia, Peraturan Pemerintah Nomor 73 Tahun 1992 Tentang Penyelenggara Usaha Perasuransian, Jakarta, [9] Presiden Republik Indonesia, Peraturan Pemerintah Nomor 81 Tahun 2008 Tentang Perubahan Ketiga Atas Peraturan Pemerintah Nomor 73 Tahun 1992 Tentang Penyelenggara Usaha Perasuransian, Jakarta, [10] Otoritas Jasa Keuangan, Surat Edaran Nomor SE-06/D.05/2013, Jakarta, [11] [Accessed 04 September 2014]. [12] KBC Bank, General Condition Motor Car Policy, [13] [Accessed 04 September 2014]. [14] [Accessed 04 September 2014]. [15] Caribbean Mercantile Bank N.V., BSURE Special Condition Car Insurance-All Risk. [16] E. A. Clarke, Accounting: An Introduction to Principles & Practice, Cengage Learning, [17] J. R. J. D. Carl Warren, Financial Accounting, 12th Edition, Cengage Learning, 2011, p. 57. [18] J. R. E. H. J. M. Pru Marriott, Introduction to Accounting, SAGE, [19] Krismiaji, Sistem Informasi Akuntansi, Yogyakarta: Sekolah Tinggi Ilmu Manajemen YKPN, [20] D. G. Moursund, Introduction to Computer and Communication, Mc. Graw-Hill, [21] A. Gregory dan E. Stobbs, Business Method Patents, Aspen Publisher, [22] Silberschatz, Korth dan Sudarshan, Database System Concepts Fourth Edition, [23] H. J. Rosenblatt, Systems Analysis and Design, Cengage Learning, [24] S. M. Carlos Coronel, Database Systems: Design, Implementation, & Management, Cengage Learning, [25] C. Liu, The Crows Feet Notation, Computing Department, Dublin Institute of Technology. [26] B. H. W. R. M. R. Alan Dennis, Systems Analysis and Design 4th Edition, John Wiley & Sons,
International Conference on Information Systems for Business Competitiveness (ICISBC 2013) 211
International Conference on Information Systems for Business Competitiveness (ICISBC 2013) 211 Decision Support System for Evaluation Procurement of Goods with Simple Additive Weighting Method (SAW) Fajar
More informationMotor Vehicle Insurance
(M017e 06/15 EL) Customer Care Centre AXA Tower lt. GF Jl. Prof. Dr. Satrio Kav.18, Kuningan City Jakarta 12940, Indonesia Tel : 1500 733 Fax : +62 21 3005 9008 Email : customer@axa-insurance.co.id Motor
More informationImplementation of the Cash Revenue System: A Case Study in the Local Government Task Forces Units of North Sumatera Province, Indonesia
Information Management and Business Review Vol. 6, No. 2, pp. 96-108, Apr 2014 (ISSN 2220-3796) Implementation of the Cash Revenue System: A Case Study in the Local Government Task Forces Units of North
More informationFathiyah. Keywords: Local Revenue and Expenditure Budget (APBD), Funds Transfer, Regional Revenue (PAD), Budget Deficit, Budget Rationalisation
THE CAUSES OF LOCAL REVENUE DAN EXPENDITURE BUDGET DEFICIT AND ALTERNANTIVE FINANCING TO SOLVE IT CASE STUDY LOCAL GOVERNMENT OF JAMBI PROVINCE YEAR Fathiyah ABSTRACT This study aims to examine the cause
More informationA Review of Procedures and Methods of Preparation of Claim Documents for The Optimize Insurance Coverage on Construction Projects
A Review of Procedures and Methods of Preparation of Claim Documents for The Optimize Insurance Coverage on Construction Projects Prabandaru, Hidayat 1 & Amin, Mawardi 2 1 Student, Civil Engineering, Mercu
More informationACCOUNTABILITY AND FINANCIAL PERFORMANCE of LOCAL GOVERNMENT in INDONESIA
ACCOUNTABILITY AND FINANCIAL PERFORMANCE of LOCAL GOVERNMENT in INDONESIA A) Aminah 1 *, B) Lindrianasari 2 Faculty of Economics, University of Bandar Lampung, Lampung, Indonesia *Corresponding email:
More informationCASH RECEIPT PROCEDURE SYSTEM MODEL OF VILLAGE FUNDS AND PROVINCIAL / CITY / DISTRICT ASSISTANCE FUNDS IN VILLAGE ACCOUNTING SYSTEMS IN INDONESIA
International Journal of Economics, Commerce and Management United Kingdom Vol. VI, Issue 10, October 2018 http://ijecm.co.uk/ ISSN 2348 0386 CASH RECEIPT PROCEDURE SYSTEM MODEL OF VILLAGE FUNDS AND PROVINCIAL
More informationIndonesian government implements
PERSISTENCE OF INDONESIAN LOCAL GOVERNMENT PERFORMANCES: EVALUATION OF EKPPD Dwi Martani Universitas Indonesia Panggah Tri Wicaksono Universitas Indonesia ABSTRACT This study focuses on the consistency
More informationEmpirical Analysis of Depositor Funds Determinants in BPRS in Indonesia
ISSN:2229-6247 Evi Grediani et al International Journal of Business Management and Economic Research(IJBMER), Vol 9(4),2018, 1327-1334 Empirical Analysis of Depositor Funds Determinants in BPRS in Indonesia
More informationAgricultural Vehicle. Summary of Cover. Effective Date September An insurance package for your business available for:
Agricultural Vehicle Insurance Summary of Cover Effective Date September 2013 An insurance package for your business available for: Customers who are Full Time Farmers, Smallholders, Market Gardeners or
More informationPT AMTRUST MOBILE SOLUTIONS INDONESIA TecProtec Membership. Is personal service marketed by PT AMTRUST MOBILE SOLUTIONS INDONESIA
ProCLASSIC Guide when making a claim Original proof of purchase of the device is required at time of claim Mobile Device up to 6 months old are subject to excess fee of 5% of Device RRP Mobile Device of
More informationBasic strategies on the Standard & Poor s 500 Index at the Chicago Board Options Exchange СВОЕ (SPX: Standard and Poor s 500 Index)
International Journal of Research in Business Studies and Management Volume 2, Issue 5, May 2015, PP 1-6 ISSN 2394-5923 (Print) & ISSN 2394-5931 (Online) Basic strategies on the Standard & Poor s 500 Index
More informationNo.18/42/DKSP Jakarta, 30 December 2016 CIRCULAR LETTER. Non-Bank Foreign Exchange Business Activities
No.18/42/DKSP Jakarta, 30 December 2016 CIRCULAR LETTER On: Non-Bank Foreign Exchange Business Activities In relation to the enforcement of Regulation of Bank Indonesia Number 18/20/PBI/2016 on Non-Bank
More informationChapter - I Introduction
Chapter - I Introduction 1.1 The Background The most important thing for people is the protection of their lives and their assets. Whenever one thinks about the security of his assets, the thought of general
More informationGlobal Journal of Business and Social Science Review journal homepage:
Global Journal of Business and Social Science Review journal homepage: www.gjbssr.org GJBSSR, Vol. 4(1), October - December 2015: 242-249 ISSN 2289-8506 The Effect of Tax Inspection in Compliance With
More informationSee page 2 for. a quick summary. Motor Insurance. Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS)
See page 2 for a quick summary. Motor Insurance Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS) This Product Disclosure Statement and Policy Booklet (PDS) was prepared on 16 March
More informationBilling and Payment of Accounts Receivable Procedures
Journal of Applied Accounting and Taxation Article History Vol. 1, No. 2, October 2016, 128-132 Received October, 2016 e-issn: - Accepted October, 2016 Billing and Payment of Accounts Receivable Putri
More informationIka Sasti Ferina Ermadiani Abdul Rohman Aspahani. Srwijaya University ABSTRACT
THE SCHOOL SYSTEMS AND ACCOUNTING PROCEDURES ARRANGEMENT AS A SYNCHRONIZATION EFFORT TOWARD THE IMPLEMENTATION OF THE VARIOUS REGULATIONS OF SCHOOL FINANCE PROCESS Ika Sasti Ferina Ermadiani Abdul Rohman
More informationReturn Analysis on Contract Option Using Long Straddle Strategy and Short Straddle Strategy with Black Scholes
Vol. 8, No.4, October 2018, pp. 16 20 E-ISSN: 2225-8329, P-ISSN: 2308-0337 2018 HRMARS www.hrmars.com To cite this article: Deannes Isynuwardhana, D., Surur, G.N.I. (2018). Return Analysis on Contract
More informationRecognition of Recording and Reporting Accounting at Tour and Travel
Journal of Applied Accounting and Taxation Article History Vol. 1, No. 1, March 2016, 72-76 Received March, 2016 e-issn: 2548-9925 Accepted March, 2016 Recognition of Recording and Reporting Accounting
More informationSummary of Cover. An insurance package for your business suitable for: Why choose the AXA Haulage Vehicle Insurance? Haulage Vehicle Insurance
Haulage Vehicle Insurance Summary of Cover An insurance package for your business suitable for: Hauliers operating up to 5 vehicles within the UK. Hauliers where all drivers are over the age of 25 and
More informationBanking Health Assessment Using CAMELS And RGEC Methods, Using OJK s Banking Financial Statement Data
www.ijecs.in International Journal Of Engineering And Computer Science ISSN:2319-7242 Volume 7 Issue 8 August 2018, Page No. 24187-24196 Index Copernicus Value (2015): 58.10, 76.25 (2016) DOI: 10.18535/ijecs/v7i8.03
More informationPT Semen Indonesia (Persero) Tbk. And the Prospect of Indonesia Cement Industry. Corporate Presentation - April 2018
PT Semen Indonesia (Persero) Tbk. And the Prospect of Indonesia Cement Industry Corporate Presentation - April 2018 Cement Companies in Indonesia Domestic Capacity 2017 Total 107.4 Mio Ton 2017 SMGR market
More informationPreliminary Damage and Loss Assessment
The 15th Meeting of The Consultative Group on Indonesia Jakarta, June 14, 2006 Yogyakarta and Central Java Natural Disaster A Joint Report from BAPPENAS, the Provincial and Local Governments of D.I.Yogyakarta,
More informationIJPHCS Open Access: e-journal
HEALTH FINANCING FOR CIVIL SERVANT BEFORE AND AFTER NATIONAL HEALTH INSURANCE IN INDONESIA Mega Noer Kartika *1, Bintang Gumilang 1 1 Department of Health Administration and Policy, Faculty of Public Health,
More informationLand Ministry Clarifies Rules on Property Ownership by Non- Indonesians
Land Ministry Clarifies Rules on Property Ownership by Non- Indonesians 1.Introduction The Minister of Agrarian and Spatial Planning Affairs has issued a regulation (the New Regulation ) i to further clarify
More informationProfitability Evaluation Of Capital Investment With Net Present Value (Npv) And Internal Rate Of Return (Irr) Method In Pt GGG Karawang, West Java
IOSR Journal of Business and Management (IOSR-JBM) e-issn: 2278-487X, p-issn: 2319-7668. Volume 20, Issue 7. Ver. VI (July. 2018), PP 64-75 www.iosrjournals.org Profitability Evaluation Of Capital Investment
More informationMOTOR INSURANCE PRODUCT DISCLOSURE STATEMENT AND POLICY BOOKLET (PDS)
MOTOR INSURANCE PRODUCT DISCLOSURE STATEMENT AND POLICY BOOKLET (PDS) This Product Disclosure Statement and Policy Booklet (PDS) was prepared on 18 December 2016. The information in this PDS is current
More informationTHE ACCELERATING OF DURATION AND CHANGE OF COST ON CONSTRUCTION PROJECT IMPLEMENTATION
International Journal of Civil Engineering and Technology (IJCIET) Volume 10, Issue 01, January 2019, pp. 825-832, Article ID: IJCIET_10_01_075 Available online at http://www.iaeme.com/ijciet/issues.asp?jtype=ijciet&vtype=10&itype=01
More informationThe Effect of Regional Retributions to the North Sumatera Economic Growth
International Journal of Progressive Sciences and Technologies (IJPSAT) ISSN: 2509-0119. 2017 International Journals of Sciences and High Technologies http://ijpsat.ijsht-journals.org Vol. 6 No. 1 December
More informationMOTOR INSURANCE PRODUCT DISCLOSURE STATEMENT AND POLICY BOOKLET (PDS)
MOTOR INSURANCE PRODUCT DISCLOSURE STATEMENT AND POLICY BOOKLET (PDS) This Product Disclosure Statement and Policy Booklet (PDS) was prepared on 18 December 2016. The information in this PDS is current
More informationEFFECT OF PROFIT SHARING, INFLATION AND GROSS DOMESTIC PRODUCT (GDP) TO THE THIRD PARTY FUNDS OF ISLAMIC BANKING IN INDONESIA
EFFECT OF PROFIT SHARING, INFLATION AND GROSS DOMESTIC PRODUCT (GDP) TO THE THIRD PARTY FUNDS OF ISLAMIC BANKING IN INDONESIA Reza Fetrian, Sri Herianingrum Master Of Science Islamic Economics, Airlangga
More information9 Payments, and Banking Procedures. Cash Receipts, Cash
9-1 McGraw-Hill 2007 The McGraw-Hill Companies, Inc. All rights reserved. Chapter Cash Receipts, Cash 9 Payments, and Banking Procedures Section 1: Cash Receipts Section Objectives 1. Record cash receipts
More informationLooking back, looking forward. Indonesia Law Year in Review 2017 and Year to Come 2018 January 2018
Looking back, looking forward. Indonesia Law Year in Review 2017 and Year to Come 2018 January 2018 Year in Review - Indonesia Law in 2017 Gross split production sharing contract: Upstream petroleum operations
More informationPotentials of Regional Owned Enterprises in West Papua Develompment from Liquidity Perspective
JOURNAL RESEARCH AND ANALYSIS : MANAGEMENT AND BUSINESS e-issn: 2597-6621 dan p-issn: 0000-0000 This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License. Potentials
More informationProfitability Analysis of Non-life Insurance: Case in Indonesia Stock Exchange
International Conference on Islamic Finance, Economics and Business Volume 2018 Conference Paper Profitability Analysis of Non-life Insurance: Case in Indonesia Stock Exchange Gatot Nazir Ahmad and Ramadhon
More informationBANK INDONESIA REGULATION NUMBER 14/12/PBI/2012 CONCERNING COMMERCIAL BANK HEAD OFFICE REPORTS WITH THE BLESSINGS OF GOD ALMIGHTY
BANK INDONESIA REGULATION NUMBER 14/12/PBI/2012 CONCERNING COMMERCIAL BANK HEAD OFFICE REPORTS WITH THE BLESSINGS OF GOD ALMIGHTY THE GOVERNOR OF BANK INDONESIA, Considering: a. whereas for effective implementation
More informationInformation System Model of Health Level Assessment of Sharia Rural Bank in Indonesia
7 International Journal of Progressive Sciences and Technologies (IJPSAT) ISSN: 2509-0119. 2019 International Journals of Sciences and High Technologies http://ijpsat.ijsht-journals.org Vol. 12 No. 2 January
More informationTerms & Conditions. Tel: +(44) Skype: rasmala bank E: W:
1 Client agreement on the terms of the public offer (hereinafter "the Agreement») Rasmalafx tech solutions limited (hereinafter referred to as the "Company"), on the one hand, and the person completing
More informationVisionVPM General Ledger Module User Guide
VisionVPM General Ledger Module User Guide Version 1.0 VisionVPM user documentation is continually being developed. For the most up-to-date documentation please visit the VisionVPM website at www.visionvpm.com
More informationDody Hapsoro STIE YKPN Yogyakarta, Indonesia, Abstract
Volume 119 No. 16 2018, 2365-2371 ISSN: 1314-3395 (on-line version) url: http://www.acadpubl.eu/hub/ http://www.acadpubl.eu/hub/ Relationship Analysis of Corporate Governance, Corporate Social Responsibility
More informationEmpirical Study on the Levels of Tax Audit and of Tax Compliance: Case Study in KPP Madya Sidoarjo
Empirical Study on the Levels of Tax Audit and of Tax Compliance: Case Study in KPP Madya Sidoarjo Syafi i 1, Iqbal Fatah 2 1 Faculty of Economics, Bhayangkara University, Surabaya, 2 Tax Office Kanwil
More informationd. Please give your name and address, and the policy number shown on your Certificate. 8. Definitions
Airtime Contract Protection (ACP) terms and conditions As part of the Lifeline Complete Package, The Carphone Warehouse Limited ( Carphone Warehouse ) gives you the benefit of Airtime Contract Protection
More informationANALYSIS OF DECISION MAKING INVESTMENT STOCK USING ANALYSIS HIERARCHY PROCESS (AHP)
ANALYSIS OF DECISION MAKING INVESTMENT STOCK USING ANALYSIS HIERARCHY PROCESS (AHP) Rangga Galuh Soniwan, Anny Ratnawati and Tony Irawan School of Business, Bogor Agriculture University, Indonesia ABSTRACT:
More informationProduct description Valid as of 1 January 2015.
Product description Valid as of 1 January 2015. Cargo insurance Financially significant damage may be caused to goods during transport. It is recommended to insure transport risks to avoid interruptions
More informationJAFFA Journal of Auditing, Finance, and Forensic Accounting E-ISSN: ISSN:
OPEN ACCESS Vol.5, No.2, October 2017 Pages 120-131 JAFFA Journal of Auditing, Finance, and Forensic Accounting E-ISSN:2461-0607 ISSN:2339-2886 http://jaffa.trunojoyo.ac.id/jaffa LAND ASSET APPRAISAL POST-TAX
More informationBANK INDONESIA REGULATION NUMBER: 10/3/PBI/2008 CONCERNING COMMERCIAL BANKS HEAD OFFICE REPORT WITH THE INFINITE GRACE OF THE ONE GOD
BANK INDONESIA BANK INDONESIA REGULATION NUMBER: 10/3/PBI/2008 CONCERNING COMMERCIAL BANKS HEAD OFFICE REPORT WITH THE INFINITE GRACE OF THE ONE GOD THE GOVERNOR OF BANK INDONESIA, Considering : a. whereas
More informationYKPN School of Business Yogyakarta, Indonesia *Corresponding author; Abstract
JMK, VOL. 19, NO. 1, MARET 2017, 54 59 ISSN 1411-1438 print / ISSN 2338-8234 online DOI: 10.9744/jmk.19.1.54 59 THE EFFECT OF DISTRICT OWN-SOURCE REVENUE AND BALANCE FUNDS ON PUBLIC WELFARE BY CAPITAL
More informationEnhanced General Ledger Quick Steps version 8.016
Enhanced General Ledger Quick Steps version 8.016 The General Ledger module is designed to handle journal entries for various transactions that are not accounted for in other modules (A/P, Payroll etc.).
More informationThe Business Viability of PT Garuda Indonesia
ISSN 2355-4721 Haris STMT Trisakti stmt@indosat.net.id harisharisse@yahoo.com Olfebri STMT Trisakti stmt@indosat.net.id Andri STMT Trisakti stmt@indosat.net.id Abstract Through the ability of technology,
More informationSage Bank Services User's Guide. May 2017
Sage 300 2018 Bank Services User's Guide May 2017 This is a publication of Sage Software, Inc. 2017 The Sage Group plc or its licensors. All rights reserved. Sage, Sage logos, and Sage product and service
More informationAnalysis of Effectiveness of New Region Expansion in Lampung Province
Review of Integrative Business and Economics Research, Vol. 6, Issue 3 263 Analysis of Effectiveness of New Region Expansion in Lampung Province Khairudin Universitas Bandar Lampung Aminah Universitas
More informationUnder the CC BY SA License International Journal of Law
The Existence Of The Village Secretary From Civil Servants In The Administration Of The Village Government (The Study in Sub-district of North Luwuk in Banggai District) Nirwan Moh. Nur 1 dan Risno Mina
More informationMANIPULATION OF FINANCIAL STATEMENTS Rizky Windar Amelia Economics Faculty of Widya Dharma University Klaten
MANIPULATION OF FINANCIAL STATEMENTS Rizky Windar Amelia Economics Faculty of Widya Dharma University Klaten Abstract The role of a financial report in the presentation of financial statements, each institution
More informationAudit Fee: Evidence from Indonesia after Adopting International Standards on Auditing (ISAs)
Review of Integrative Business and Economics Research, Vol. 7, Supplementary Issue 1 170 Audit Fee: Evidence from Indonesia after Adopting International Standards on Auditing (ISAs) Devianti Yunita Harahap*
More informationDeed Legal Ad / ART PT Perkebunan Nusantara IX After The Consolidated PTP XV-XVI (Persero) With PTP XVIII (Persero)
Jurnal Daulat Hukum Volume 1 Issue 3 September 2018 ISSN: 2614-560X Deed Legal Ad / ART PT Perkebunan Nusantara IX... (Meilyna Dwijanti) Deed Legal Ad / ART PT Perkebunan Nusantara IX After The Consolidated
More informationFIXED ASSET MANAGEMENT IN THE INDONESIAN GOVERNMENT AGENCIES: A CASE STUDY AT MINISTRY OF TRADE
International Journal of Economics, Commerce and Management United Kingdom Vol. V, Issue 12, December 2017 http://ijecm.co.uk/ ISSN 2348 0386 FIXED ASSET MANAGEMENT IN THE INDONESIAN GOVERNMENT AGENCIES:
More informationSmartDrive Enhanced Private Car Product Disclosure Sheet
SmartDrive Enhanced Private Car Product Disclosure Sheet Date: as per quotation date Important Note 1. Read this Product Disclosure Sheet before you decide to take out the SmartDrive Enhanced Private Car
More informationLandlords Package Policy Insurance. made simple
Landlords Package Policy Insurance made simple What s inside: How to read a Landlords Package Policy Declarations Understanding Landlords Package Policy Insurance Coverages Deductibles Coverage limits
More informationGovernment of Indonesia has published
EFFECT OF CORPORATE TAX RATE REDUCTION ON EARNINGS MANAGEMENT PRACTICES: A CASE STUDY IN INDONESIA Maxon Hakim Wijaya Accounting Department, Universitas Indonesia ABSTRACT Government of Indonesia has reduced
More informationDETERMINANTS IDENTIFICATION OF PUBLIC BANKS STOCK PRICES IN INDONESIA BASED ON FUNDAMENTAL ANALYSIS
I J A B E R, Vol. 14, No. 6, (2016): 4705-4712 DETERMINANTS IDENTIFICATION OF PUBLIC BANKS STOCK PRICES IN INDONESIA BASED ON FUNDAMENTAL ANALYSIS Sugiarto 1 and Nursiana Adinoto 2 Abstract: Stock price
More informationTHE EFFECT OF ADDITION OF TAXPAYERS NUMBER, TAX AUDIT, TAX BILLING, AND TAXPAYERS COMPLIANCE TOWARD TAX REVENUE
Research: THE EFFECT OF ADDITION OF TAXPAYERS NUMBER, TAX AUDIT, TAX BILLING, AND TAXPAYERS COMPLIANCE TOWARD TAX REVENUE By: W A L U Y O Lecturer at Mercubuana University Jakarta Abstract. The purpose
More informationLOCAL GOVERNMENT S REVENUE, AUDIT OPINION OF BPK AND FINANCIAL PERFORMANCE OF LOCAL GOVERNMENT: INDONESIA EVIDENCE
LOCAL GOVERNMENT S REVENUE, AUDIT OPINION OF BPK AND FINANCIAL PERFORMANCE OF LOCAL GOVERNMENT: INDONESIA EVIDENCE 1 ADITYA INDRA PRAYITNO, 2 NOVA NOVITA 1 Accounting Program, STIE Indonesia Banking School,
More informationIrwan Taufiq Ritonga 1 Lecturer at Department of Accounting, Faculty of Economics and Business, Universitas Gadjah Mada, Indonesia
Analysing Service-Level Solvency of Local Governments from Accounting Perspective: A Study of Local Governments in the Province of Yogyakarta Special Territory, Indonesia Irwan Taufiq Ritonga 1 Lecturer
More informationHOW DO GOVERNMENTS SPEND THEIR PUBLIC SPENDING?
HOW DO GOVERNMENTS SPEND THEIR PUBLIC SPENDING? Munhamik Luthfia & Baldric Siregar STIE YKPN Yogyakarta, Indonesia Email: munhamik.luthfia@gmail.com Abstrak: Bagaimana Pemerintah Mengalokasikan Pengeluaran
More informationDAN TravelAssist EMERGENCY EVACUATION BENEFIT
DAN TravelAssist One important benefit of your DAN Membership is that with your Individual Membership fee, you are automatically enrolled in DAN s travel assistance plan. Your family is covered with your
More informationCASE ANALYSIS OF THE RELATIONSHIP BETWEEN LOAN INTEREST CALCULATION METHOD SELECTION AND ITS EFFECT ON CUSTOMERS
CASE ANALYSIS OF THE RELATIONSHIP BETWEEN LOAN INTEREST CALCULATION METHOD SELECTION AND ITS EFFECT ON CUSTOMERS Pandu Adi C pandu.cakranegara@president.ac.id Dedi Rianto R, dedi1968@president.ac.id Etty
More informationmade simple Landlords Package Policy Insurance What s inside:
Landlords Package Policy Insurance made simple What s inside: How to read a Landlords Package Policy Declarations Understanding Landlords Package Policy Insurance Coverages Deductibles Coverage limits
More informationProceeding 8 th International Seminar on Industrial Engineering and Management ISSN : X
OPTIMIZATION OF PREVENTIVE MAINTENANCE PROGRAM AND TOTAL SITE CREW FOR BASE TRANSCEIVER STATION (BTS) USING RELIABILITY CENTERED MAINTENANCE (RCM) AND LIFE CYCLE COST (LCC) METHOD Rd. Rohmat Saedudin 1,
More informationTHE DETERMINANT OF INFLATION IN INDONESIA: PARTIAL ADJUSTMENT MODEL APPROACH
Jurnal Ekonomi & Studi Pembangunan Volume 19, Nomor 2, Oktober 2018, hlm. 157-166 DOI: 10.18196/jesp.19.2.5007 THE DETERMINANT OF INFLATION IN INDONESIA: PARTIAL ADJUSTMENT MODEL APPROACH Yosefina Don
More informationNEW JERSEY AUTO INSURANCE BUYERʼS GUIDE
NEW JERSEY AUTO INSURANCE BUYERʼS GUIDE WHAT S INSIDE WHERE DO I START?...1 UNDERSTANDING YOUR POLICY... 2-6 Types of Coverages Standard and Basic Policies What are Limits and Deductibles? UNDERSTANDING
More informationNEW JERSEY AUTO SUPPLEMENT
NEW JERSEY AUTO SUPPLEMENT AGENCY NAMED INSURED(S) POLICY NUMBER EFFECTIVE DATE CARRIER NAIC CODE NEW JERSEY AUTO INSURANCE BUYER'S GUIDE COMMERCIAL PPA EDITION For Individually Owned Private Passenger
More informationA business insurance package available for self employed persons and small businesses (including limited companies) with up to 5 employees.
VENTURE PLUS Summary of Cover A business insurance package available for self employed persons and small businesses (including limited companies) with up to 5 employees. Cover is available for a wide range
More informationThe Effect of Educational Level and Economic Growth on Poverty in Mandailing Natal
The Effect of Educational Level and Economic Growth on Poverty in Mandailing Natal Zainal Arifin Graduate Student, Economic Department, State University of Medan, Sumatera Utara, Indonesia *Corresponding
More informationCar Insurance Conditions - All Risk
01. WHO ARE INSURED? The insurance applies to all people listed below. These people are referred to as you in the conditions set out below. The person taking out this insurance. The person who uses the
More informationThe new energy management policy: Indonesian PSC-gross-split applied on steam flooding project
IOP Conference Series: Earth and Environmental Science PAPER OPEN ACCESS The new energy management policy: Indonesian PSC-gross-split applied on steam flooding project To cite this article: S Irham and
More informationEffects of Capitalization Characteristics on Medium Enterprises Financial Performance in South Sulawesi
Quest Journals Journal of Research in Business and Management Volume 2 ~ Issue 11 (2014) pp: 34-39 ISSN(Online) : 2347-3002 www.questjournals.org Research Paper Effects of Capitalization Characteristics
More informationSage Bank Services User's Guide
Sage 300 2017 Bank Services User's Guide This is a publication of Sage Software, Inc. Copyright 2016. Sage Software, Inc. All rights reserved. Sage, the Sage logos, and the Sage product and service names
More informationInsights and Commentary from Dentons
Insights and Commentary from Dentons The combination of Dentons and Hanafiah Ponggawa & Partners (Indonesia) offers our clients access to 9000+ lawyers in 167 locations and 73 countries around the world.
More informationReady to rent? Terms and Conditions. Florida
Ready to rent? Terms and Conditions. Florida Sixt rent a car - Rental Agreement, Terms & Conditions 1. Definitions. Agreement means the Terms and Conditions on this page and the provisions found on the
More informationBI Rate, Inflation, Exchanges IDR - USD, and Gold on the Index of Kompas 100 in Jakarta Islamic Index Period
ISSN : 0972-9380 available at http: www.serialsjournal.com Serials Publications Pvt. Ltd. Volume 14 Number 4 2017 BI Rate, Inflation, Exchanges IDR - USD, and Gold on the Index of Kompas 100 in Jakarta
More informationDOCUMENT SCHEDULING OF WORK PART 1 GENERAL 1.1 RELATED DOCUMENTS AND PROVISIONS
DOCUMENT 01 32 13 PART 1 GENERAL 1.1 RELATED DOCUMENTS AND PROVISIONS All Contract Documents should be reviewed for applicable provisions related to the provisions in this document, including without limitation:
More informationTHE ACCOUNTING INFORMATION SYSTEM
Study Objectives THE ACCOUNTING INFORMATION SYSTEM 1. Analyze the effect of business transactions on the basic accounting equation. 2. Explain what an account is and how it helps in the recording process.
More informationIKATAN AKUNTAN INDONESIA KOMPARTEMEN AKUNTAN SEKTOR PUBLIK The Indonesian Institute of Accountants Public Sector Accountants Compartment
KASP KASP IKATAN AKUNTAN INDONESIA KOMPARTEMEN AKUNTAN SEKTOR PUBLIK The Indonesian Institute of Accountants Public Sector Accountants Compartment Sekr : Jl. Bank V/A-4, Pela Mampang, Jakarta, Telp. (021)
More informationGENERAL LEDGER TABLE OF CONTENTS
GENERAL LEDGER TABLE OF CONTENTS L.A.W.S. Documentation Manual General Ledger GENERAL LEDGER 298 General Ledger Menu 298 Overview Of The General Ledger Account Number Structure 299 Profit Center Processing
More informationBasic Application Training
Basic Application Training Class Manual 99.273 The documentation in this publication is provided pursuant to a Sales and Licensing Contract for the Prophet 21 System entered into by and between Prophet
More informationThe Analysis Of Premium Strategy And Vehicle Claims In Increasing Revenues Of PT Asuransi Sinar Mas Tangerang
The Analysis Of Premium Strategy And Vehicle Claims In Increasing Revenues Of PT Asuransi Sinar Mas Tangerang Anggun Anggraini Pamulang University, Banten anggunanggraini100590@gmail.com ABSTRACT This
More informationChapter 6. Company Tasks. In this chapter:
Chapter 6 Company Tasks This chapter covers the tasks contained within Sage 50 Accounts Company module. The chapter introduces the topics of prepayments, accruals, budgeting, fixed asset handling and VAT
More informationIntroduction to Client Online
Introduction to Client Online Trade Finance Guide TradeFinanceNewClientsV2Sept15 Contents Introduction 3 Welcome to your introduction to Client Online 3 If you have any questions 3 Logging In 4 Welcome
More informationYOUR RIGHTS AND RESPONSIBILITIES
ELECTRONIC FUND TRANSFER DISCLOSURE AND AGREEMENT YOUR RIGHTS AND RESPONSIBILITIES www.morris.bank For purposes of this disclosure and agreement the terms "we", "us" and "our" refer to Morris Bank. The
More informationHSBC Insurance Aspects: Mobile Phone Insurance
HSBC Insurance Aspects: Mobile Phone Insurance Policy Terms and Conditions Effective from 1 July 2018 Please read this policy document and keep it for reference This document is available in large print,
More informationAnalysis of the Implementation of Simple Financial Statements on Waste Bank Group in West Jakarta
Asian Journal of Applied Research for Community Development and Empowerment Vol 1 (2017), No.1: 1-8 Journal home page: http://ajarcde.safetainability.org ISSN 2581-0405 Analysis of the Implementation of
More informationInternational Journal of Multicultural and Multireligious Understanding
Comparative Study of Post-Marriage Nationality Of Women in Legal Systems of Different Countries International Journal of Multicultural and Multireligious Understanding http://ijmmu.com editor@ijmmu.com
More informationInternational Journal of Advanced Engineering and Management Research Vol. 2 Issue 4, ISSN:
International Journal of Advanced Engineering and Management Research Vol. 2 Issue 4, 2017 http://ijaemr.com/ ISSN: 2456-3676 CPM AND PERT COMPARISON ANALYSIS IN PROJECT PLANNING ABSTRACT Talatu Muhammad
More informationLogin to the Financial Management System with your NetID and password. In order to review a revenue event select the Revenue tile from the homepage.
OVERVIEW This job aid details the process of searching for the revenue event using Manage Events, Manage Revenue Distributions and Manage Summary Revenue Screens. GETTING STARTED Login to the Financial
More informationReport of Cash Receipts (ROCR)
Report of Cash Receipts (ROCR) The Report of Cash Receipts (ROCR) form is divided into the following main sections: Introduction Overview General Information How to Pull Up A Blank Form Completing the
More informationFirst International Conference on Advanced Business and Social Sciences (ICABSS-Bali, 2016) ISBN:
Page217 COMPARATIVE ANALYSIS OF RETURN ON OPTION CONTRACT SIMULATION WITH COVERED CALL WRITING STRATEGY AND PROTECTIVE PUT BUYING STRATEGY (STUDY ON JCI YEARS 2012-2014 IN INDONESIA STOCK EXCHANGE) Syahrul
More informationA business insurance package available for self employed persons and small businesses (including limited companies) with up to 5 employees.
Venture Plus Summary of Cover A business insurance package available for self employed persons and small businesses (including limited companies) with up to 5 employees. Cover is available for a wide range
More information2. From the Desktop, click on Accounting > Operations > Account Transactions
Pre-Programmed Default General Ledger Accounts in Partner XE To Access 1. From the Desktop, click on the Accounting Icon The Daily Processing screen will come up From within Accounting click on Account
More informationSundry Debtor Invoices & Credit Notes
Cheops Task Instruction Sundry Debtor Invoices & Credit Notes File Location: Z:\Data\Altason\iCanstruct\Task Instructions - Issued\22 - Progress Claim Schedules.docx P25 Last Revised: 6-Nov-16 This Task
More information