ACTOMATE
PRAKTIK IMBALAN KERJA
Kami menyediakan layanan aktuaria untuk pelaporan keuangan imbalan kerja sesuai dengan International Financial Reporting Standards (IFRS) atau Standar Akuntansi Keuangan (SAK).
Kami membantu dalam melakukan valuasi aktuaria untuk tujuan pelaporan keuangan atas imbalan kerja dan program pensiun, termasuk pension, gratuity (imbalan pasca-kerja), anuitas, tunjangan masa kerja panjang, manfaat medis pasca-pensiun, dan manfaat fleksibel di kawasan Asia.
Klien utama kami berasal dari Singapura, Malaysia, dan Kamboja, sehingga kami memiliki pemahaman yang kuat terhadap peraturan dan persyaratan pelaporan lokal di masing-masing negara. Valuasi dilakukan menggunakan metode Projected Unit Credit (PUC) sesuai dengan standar IAS 19 Employee Benefits dan PSAK 219 (sebelumnya PSAK 24) Imbalan Kerja yang merupakan adopsi lokal di Indonesia.
desain & perencanaan imbalan
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develop product design and benefits
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customer suitability assessment
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competitor analysis
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prepare product specification
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develop key pricing assumptions
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determine premium or contribution rating factors
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profit testing
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sensitivity analysis
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prepare product documentation for approval & regulatory filing
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review actuarial content in sales illustration & marketing materials
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identify product’s key inherent risks
valuasi aktuaria & pelaporan keuangan
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develop product design and benefits
-
customer suitability assessment
-
competitor analysis
-
prepare product specification
-
develop key pricing assumptions
-
determine premium or contribution rating factors
-
profit testing
-
sensitivity analysis
-
prepare product documentation for approval & regulatory filing
-
review actuarial content in sales illustration & marketing materials
-
identify product’s key inherent risks
opsi saham karyawan
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quarterly valuation
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recommend surplus distribution to shareholders
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test of completeness and accuracy of database used for actuarial work
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perform overall duties as Appointed Actuary
valuasi aktuaria & pelaporan keuangan
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Islamic Banking Services
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Capital market development
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Digital assets & fintech
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Fund management activities
valuasi aktuaria & pelaporan keuangan
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Takaful & retakaful operations
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Risk protection solutions
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Insurance advisory & brokerage
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Insurtech innovation
Key Benefits
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0% tax on qualifying activities*
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Lower tax exposure
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Incentivises digital adoption
*To qualify for 0% tax under the 2026 Order, activities must:
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Be within 5 qualifying categories (e.g. takaful, underwriting, risk advisory)
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Comply with Syariah principles
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Utilise digital solutions
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Maintain separate accounting
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Activities outside these conditions are subject to a 3% tax rate.