Analisis Strategi Korporasi \"PT Tugu Pratama Indonesia\" Terhadap Industri Asuransi Kerugian

Agung Hirawan, SE., Mudrajad Kuncoro, Prof., Dr., M.Soc.Sc.

2012 | Tesis | S2 Magister Manajemen

Studi ini bertujuan untuk mempelajari: strategi korporasi PT. Tugu Pratama Indonesia terhadap industri asuransi kerugian menggunakan analisis struktur, perilaku dan kinerja (structure, conduct, performance / SCP). Struktur industri diperoleh melalui sortasi perusahaan asuransi kerugian yang pernah menduduki tiga puluh lima besar dalam perolehan premi selama lima tahun dan dikelompokkan berdasarkan lini bisnis personal dan korporasi. Perilaku di analisis berdasarkan variabel strategis yang ditetapkan yaitu: diversivikasi produk (DIVER), ukuran perusahaan (LSIZE), rasio biaya (EXRATIO), proporsi reasuransi (PREINS), leverage keuangan (LEVER), strategi investasi (PSTOCK). Kinerja di analisis berdasarkan variabel strategis: combine ratio (COMB), pangsa pasar (MSHARE) dan tingkat pengembalian ekuitas (ROE). Uji beda perilaku dan kinerja industri asuransi dan perusahaan yang diamati, digunakan analisis MANOVA. Sedangkan untuk menjelaskan klasifikasi perusahaan dalam industri asuransi berdasarkan struktur,variabel strategis perilaku dan kinerja digunakan analisis diskriminan. Hasil dari sortasi perusahaan dalam industri dan pengelompokkannya berdasarkan lini bisnis personal dan korporasi dapat dibuktikan melalui analisis struktur premi yang dibukukan. Analisis MANOVA membuktikan adanya perbedaan perilaku dan kinerja perusahaan dalam industri asuransi berdasarkan kelompok lini bisnis personal, korporasi dan terhadap perusahaan yang diamati. Klasifikasi perusahaan dan kelompok lini bisnis dalam industri dapat diterangkan melalui hasil uji diskriminan yang diterjemahkan sebagai pola strategi generik berdasarkan variable yang diukur.

This study planned to examine: corporate strategy of PT. Tugu Pratama Indonesia in the insurance industry using structure, conduct, performance analysis (SCP). Industrial structure is obtained through sorting insurance companies who had occupied thirty-five in acquisition premiums for five years and are grouped based on personal and corporate business line. Conduct in the analysis based on defined strategic variables, namely: product diversification (DIVER), firm size (LSIZE), the ratio of costs (EXRATIO), the proportion of reinsurance (PREINS), financial leverage (Lever), investment strategy (PSTOCK). Performance analysis based on a strategic variable: combine ratio (COMB), market share (MSHARE) and return on equity (ROE). The distinction test of conduct and performance of insurance industry and the company are observed, used MANOVA analysis. Meanwhile, to explain the classification of companies in the insurance industry based on the structure, conduct and performance strategic variables used discriminant analysis. Results of sorting and grouping of the firms in the industry based on personal and corporate business line can be proved through booked premium structure analysis. MANOVA analysis proves the existence of differences in conduct and performance of companies in the insurance industry based on personal, corporate lines of business groups, and against companies that were observed. Classification of companies and business lines in the industry groups can be explained through discriminant test results are interpreted as a pattern of generic strategies based on the measured variables.

Kata Kunci : SCP (strucure–conduct–performance), variabel strategis, variabel perilaku, variabel kinerja, Analisis Manova, Analisis Diskriminan, Asuransi.