ANALISIS KUALITATIF BISNIS ASURANSI MIKRO DI INDONESIA

Authors

  • Mulawarman Awaloedin Trisakti School of Insurance (STMA Trisakti), Jakarta.

DOI:

https://doi.org/10.36085/jems.v2i2.1516

Abstract

The purpose of this research is to explain the phenomenon occured in micro Insurance industry in Indonesia after the launch of the grand design of the Indonesian micro Insurance development. Having used a case study method, the researcher conducted some interviews with a number of  practitioners, and obtained some  information that micro insurance is still unable to develop if seen from the total population of the people in Indonesia. Micro insurance products are still scattered in big cities, and they have not touched the lower income people if refered to the basic concept of micro insurance. This needs a breakthrough in order to develop the micro insurance, as in the case with our neighbor country, the Philipines, which  is more advanced in developing this insurance scheme. In order to develop this micro insurance business, it is necessary to develop it through a network of small communities, which are found mostly in the lower middle class. Beside that, marketers also need  to be equiped with a set of tools, such as an adequate ICT -based market (community) database. Therefore, a micro insurance businesses to be developed needs to be adjusted to the conditions of the Indonesian state, for example in the case of micro insurance, for agriculture, livestock, fishermen, especially for rural areas. Meanwhile, for urban areas, micro insurance businesses that are attractive are personal accidents, property, and motor and vehicles.

References

Ahmad Ghifari. (25 November 2019). Peminat asuransi mikro diprediksi akan terus bergairah. Kontan. https://keuangan.kontan.co.id/news/peminat-asuransi-mikro-diprediksi-akan-terus-bergairah

Amit Kalra, Clarence Wong. (2010). Microinsurace – risk protection for 4 billion people, Sigma, Sigma Re No.6, Swiss Reinsurance Co., Switzerland.

Badan Pusat Statistik. (2015). Potret Awal Pembangunan Pasca MDGS, Sustainable Development Goals (SDGS), Badan Pusat Statistik, Jakarta.

Charles Normand dan Axel Weber. (2013). Social Health Insurance: A Guide Book For Planning, Edisi terjemahan, BPJS Kesehatan, Jakarta.

Chiang Ku Fan and Shu Wen Cheng. (2009). “An efficiency comparison of direct and indirect channels in Taiwan insurance marketingâ€, Direct Marketing: An International Journal Vol. 3 No. 4, pp. 343-359.

Christian Biener, Martin Eling, dan Joan T. Schmit. (2014). Regulation in Microinsurance Markets: Principles, Practice, and Directions for Future Development, World Development Vol. 58, pp. 21–40,

Christian Biener.(2013). Pricing in Microinsurance Markets, World Development, Vol. 41, pp. 132–144, 2013.

Craig Churchill. (2006). Protecting the poor. A microinsurance compendium, Tersedia di:http://www.ilo.org/global/publications/books/forthcoming-publications/WCMS_175786/lang--en/index.htm

Daniel J. Clarke, dan Dermot Grenhamb. (2013). Microinsurance and natural disasters:Challenges and options, Environmental Science & Policy 27s (2013) 89 – 98.

David Dror and Christian Jacquier. (1999). Micro-Insurance: Extending Health Insurance to the Excludedto the Excluded, tersedia di

David M. Dror, Ralf Radermacher, Shrikant B. Khadilkar, Petra Schout, François-Xavier Hay, Arbind Singh, and Ruth Koren. (2009). Microinsurance: Innovations In Low-Cost Health Insurance, MarketWatch, Health Affairs - Volume 28, Number 6.

Erick F. Oechler Solana.(2014). Public private not-for-profit partnerships: delivering public services to developing countries, Procedia Engineering,78 (2014), 259 – 264.

Festus M Epetimehin. (2011). â€The Impact of Relationship Marketing on the Performance of Insurance Organisationâ€, Mediterranean Journal of Social Sciences, Vol.2, No.2, diakses dari: http://www.mcser.org/images/stories/2_journal/mjssmay2011/7.pdf

Hendri Saparini. (2015). Peran Ilmu Pengetahuan Dalam Menjawab Tantangan Dan Menawarkan Terobosan Untuk Mewujudkan Kesejahteraan Sosial: Dari MDGS Menuju SDGs diampaikan dalam KIPNAS XI, 2015 di LIPI, Jakarta.

Jens K. Roehrich, Michael A. Lewis, dan Gerard George.(2014). Are publice private partnerships a healthy option? A systematic literature review, Social Science & Medicine 113 .

John W. Creswell. (2009). Research Design: Qualitative, Quantitative, and Mixed Methods Approaches, third editon, by SAGE Publications, Inc.

Johnny Saldaña. (2009). “The Coding Manual for Qualitative Researchersâ€, SAGE Publications Ltd, London: hh: 3, 5, 13.

Julie Robson. (2015). “General insurance marketing: A review and future research agendaâ€, Journal of Financial Services Marketing Vol. 20, 4, 282–291

Tim Peneliti STMA Trisakti. (2018). Laporan Final. Identifikasi Penggunaan Teknologi Digital Dalam Pemasaran Produk Asuransi Mikro, OJK - STMA Trisakti, Jakarta.

Ma’ruf Akbar.(2012). Penelitian Kualitatif. Materi kuliah Pasca Sarjana UNJ, Jakarta.

Matteo Rossi, dan Renato Civitillo. (2014). Public Private Partnerships: a general overview in Italy,2nd World Conference On Business, Economics And Management - WCBEM 2013, Procedia - Social and Behavioral Sciences 109 ( 2014 ) 140 – 149.

Mikosch, Thomas. (2006). Non-Life Insurance Mathematics: An Introduction with Stochastic Processes (Universitext), Publisher: Springer; corr. 2nd printing edition .

Muhammad Ishtiaq Ishaq, Nazia Munazer Hussain. (2016). “Creative Marketing Strategy And Effective Execution On Performance In Pakistanâ€, RAE-Revista de Administração de Empresas | FGV/EAESP

Mulawarman Awaloedin.(2018).â€Identifikasi teknologi digital dalam memasarkan produk asuransi mikroâ€. Hasil wawancara individu dengan Wayan Widi Kresnadi: 10 Juli 2018, Lobby depan PT Asuransi Jiwa Jiwasraya, Persero, Jakarta.

Mulawarman Awaloedin.(2018).â€Identifikasi teknologi digital dalam memasarkan produk asuransi mikroâ€. Hasil wawancara individu dengan Auxentius Cahyo Bintoro: 26 Juli 2018, Taman belakang PT Asuransi Allianz Indonesia, Jakarta.

Mulawarman Awaloedin.(2018).â€Identifikasi teknologi digital dalam memasarkan produk asuransi mikroâ€. Hasil wawancara individu dengan Gerard Asser Maurits Chris Kaliey: 12 Juli 2018, Ruang rapat, PT MNC Life Assurance. MNC Financial Center 18th floor, Jl. Kebon Sirih Kav. 21-27, Jakarta.

Otoritas Jasa Keuangan. (2015). Peraturan Otoritas Jasa Keuangan Nomor 23 /POJK.05/2015 “Tentang Produk Asuransi Dan Pemasaran Produk Asuransiâ€.

Ovidiu Stofor.(2013). “Interaction Between Marketing And Informational Technologies In The Insurance Businessâ€, Scientific Annals of the „Alexandru Ioan Cuza†University of IaÅŸi Economic Sciences 60 (1), pp.1-9

P. Cizek, W. Härdle, R. Weron. (2005). Statistical Tools for Finance and Insurance, Springer. Ebook

Peter W. Roberts. (2013). The Proï¬t Orientation of Microï¬nance Institutions and Effective Interest Rates, World Development Vol. 41, pp. 120–131.

PrzemysÅ‚aw Tomczyk a, Tymoteusz Doligalski b, Piotr Zaborek. (2016). “Does customer analysis affect firm performance? Quantitative evidence from the Polish insurance marketâ€, Journal of Business Research.

Rainer Strack, Jean-Michel Caye. (2018). “Creating People Advantage 2014-2015: How to Set Up Great HR Functionsâ€, The Boston Consulting Group.

Rob Kaas, Marc Goovaerts, Jan Dhaene, Michel Denuit. (2002). Modern Actuarial Risk Theory, Kluwer Academic Publisher. ebook

S. Geng, W. Li, X. Qu, L. Chen. (2017). “Design for the Pricing Strategy of Return-Freight Insurance Based on Online Product Reviewsâ€, Electronic Commerce Research and Applications.

Tara Sinha, M. Kent Ranson and Anne J. Mills. (2007). Protecting the Poor? The Distributional Impact of a Bundled Insurance Scheme, World Development Vol. 35, No.8, pp. 1404–1421, 2007.

Thankom Arun, Mirko Bendig, dan Shoba Arun. (2012). Bequest Motives and Determinants of Micro Life Insurance in Sri Lanka, World Development Vol. 40, No. 8, pp. 1700–1711, 2012.

Tim Pengembangan Asuransi Mikro. (2013). Grand Design Pengembangan Asuransi Mikro Indonesia, Otoritas Jasa Keuangan (OJK), Jakarta.

Trevor Watkins, (1988),"The Use Of Information Technology In Insurance Marketing", Marketing Intelligence & Planning, Vol. 6 Iss 2 pp. 21 – 26

Tsu-Wei Yu and Mei-Su Chen. (2014). “Developing life insurer-insurance intermediary relationshipsâ€, Managing Service Quality Vol. 24 No. 5, 2014 pp. 455-468.

Zairol A. Auzzir, Richard P. Haighb, Dilanthi Amaratunga. (2014). Public-private partnerships (PPP) in disaster management in developing countries: a conceptual framework, 4th International Conference on Building Resilience, Building Resilience 2014, 8-10 September, 2014, Salford Quays, United kingdom, Procedia Economics and Finance 18, 807 – 814.

Downloads

Published

2021-04-13

Issue

Section

Articles
Abstract viewed = 339 times