Strategi pengembangan asuransi tanaman kelapa sawit dengan pendekatan model bisnis kanvas (studi kasus: pt asuransi tri prakarta)

Indonesia is the largest country producing palm oil. The existence of climate change in the form of El Nino has had an impact on the sustainability of oil palm plantations, with the fire of land and oil palm plantations. The impact that is borne by the community is not only in terms of health such as ARI, pneumonia, asthma, eye diseases, and skin diseases but also affects other economic joints such as agriculture, environment, transportation, trade, tourism and education. The extent of oil palm plantations is not comparable to the insurance premiums of oil palm plants obtained by insurance companies. Tri Pakarta Insurance as one of the companies that market palm oil insurance products, its premium growth is still stagnant so there are still big opportunities for companies to get insurance premiums on oil palm plants. This study aims to identify the description of the oil palm plant insurance business model run by Tri Pakarta Insurance, formulate a strategy that needs to be implemented in increasing the insurance of oil palm plants and create a new business model canvas for the development of oil palm plant insurance in Tri Pakarta Insurance. This research was conducted by descriptive method. Data used in the form of primary data and secondary data. Data collection is done through observation, interviews, questionnaires and literature studies. The sampling technique is by non-probability sampling-purposive sampling with the hope that the selected sample has the knowledge, expertise and competence in the field studied in this study at PT Tri Pakarta Insurance. Some things as a condition of being a resource person as a minimum of 10 years working in the Insurance Industry, Manager's minimum position / position, working in the field of Underwriting Engineering, Claims & Marketing. The analytical tools used are Business Model Canvas (BMC) and Matrix Strength-Weakness-Opportunity-Threat (SWOT). Based on the results of the research, it shows that the highest strength lies in the elements of Key Partners and Channels with values of 4.1 and 3.7. Furthermore, the highest weaknesses are indicated by Key Activities and Key Resources elements with values of 3.10 and 3.00. Both have relatively low weaknesses compared to the weaknesses of other elements. The highest opportunity lies in the Customer Segment element with a value of 4.2 and Customer Relationship with a value of 3.97. Threats in all segments are classified as low with values between 3 and 3.4. High threats in the Revenue Stream and Cost Structure elements. Managerial implications in developing palm oil insurance, companies can use strategies through the Customer Relationship program such as risk / disaster mitigation, good and right cultivation methods, and entrepreneurship. Companies can also use information technology such for product marketing. In order to reduce the threat of losing partners, companies can collaborate with new partners such as the Department of Agriculture, especially in oil palm producing areas. The company is expected to have many experts with inhouse training and public training. To increase the value added, in the future it is necessary to make products with complete guarantees such as natural disasters, pest and wild animals. The company can collaborate with State and Private Banks, Village Unit Cooperatives (KUD), the Association of Indonesian Palm Oil Entrepreneurs (GAPKI), the Indonesian Palm Oil Farmers Association (APKASINDO), the Indonesian Palm Oil Plasma Farmers Association to reach customers. Suggestions for further research to be able to use other analytical tools in developing strategies for developing palm oil insurance, considering the analysis tools in this study are limited to the SWOT analysis of the nine elements of the canvas model business