Perkembangan Asuransi Syariah di Indonesia Wiku Suryomur+ ST MSi @wikusuryomur7 www.wikusuryomur7.com
Jan 29, 2015
Perkembangan Asuransi Syariah
di Indonesia Wiku Suryomur+ ST MSi
@wikusuryomur7 www.wikusuryomur7.com
www.wikusuryomurti.com�@wikusuryomurti�
Latar Belakang
• Perkembangan Asuransi Syariah di Indonesia • Market Share • Tingkat Pertumbuhan
www.wikusuryomurti.com�@wikusuryomurti�
Fondasi Pemikiran
• g
Falah
Adil Seimbang Maslahat
Ukhuwah Syariah Akhlak
Tauhid
Masyarakat berkeTuhanan YME
Adab dan moral yang tinggi
Persatuan dan gotong-royong
Kesejahteraan bersama
Islamic Economics Values
National Heritage
Masyarakat Indonesia
yang Sejahtera
a. Akses sumber daya ekonomi yang merata.
b. Dorongan implementasi konsep profit and loss sharing
c. Sinkronisasi sektor keuangan dan riil
d. Sustainable and Responsible Investment
e. Prudential practices f. Shariah compliance
• Etika, Moral yang Luhur dan memenuhi prinsip syariah
• Good Governance • Real Sector
Development • Limitation of Bubble
Economic • Inclusion of the Society
in the Economic Growth • Ekonomi partisipatif
berlandaskan keadilan dan kesetaraan
Musyawarah untuk mufakat
www.wikusuryomurti.com�@wikusuryomurti�
Islamic Financial Market Development of Indonesia
• f
Islamic banking
Takaful
Financial Markets
Sukuk
1992 1999 2001 2003 2006 2008
1980 1994 2000 2002 2004 2007
▪ 1st Takaful Company Asuransi Takaful Keluarga
▪ 1st Islamic Bank Bank Muamalat Ind
▪ 1st Takaful Branch Assi Great Eastern
▪ 1st Islamic Branch Bank IFI Syh ▪ 2nd Islamic Bank Bank Syh Mandiri
▪ Islamic Banking Act
▪ Office Channeling
Baitut Tamwil Salman Bdg, Koperasi Ridho Gusti Jkt.
▪ 1st Islamic Re-ins ReINDO
▪ Islamic Money Market (IMA Certificate) ▪ Jakarta Islamic Index
▪ Islamic Capital Market ▪ ICM Master Plan (2005)
▪ 1st Corporate Sukuk Indosat (Mudharabah)
▪ Sukuk Guidelines (2006)
▪ Sukuk Act & Govt Sk
The Indonesian Islamic Financial & Fiscal Landscape
Capital Market Insurance Pension Funds Finance Companies
Micro Finance Pawn Shop Fiscal and Real Sector
Social
Social Sector
Banking
UU No. 21 Th 2008 Perbankan Syariah
UU No. 19 Th 2008 SBSN
UU No. 20 Th 2008 UMKM
UU No. 38 Th 1999 Pengelolaan Zakat
UU Perpajakan Dalam Proses Amandemen
................................................
www.wikusuryomurti.com�@wikusuryomurti�
Jumlah Pelaku Asuransi & Reasuransi Syariah
www.wikusuryomurti.com�@wikusuryomurti�
Performa Aset Asuransi & Reasuransi Syariah
• f
www.wikusuryomurti.com�@wikusuryomurti�
Performa Kontribusi Asuransi & Reasuransi Syariah
• f
www.wikusuryomurti.com�@wikusuryomurti�
Market Share Kontribusi & Aset Asuransi & Reasuransi Syariah dari Total Asuransi Syariah
• h
www.wikusuryomurti.com�@wikusuryomurti�
Market Share Kontribusi Bruto
• j
www.wikusuryomurti.com�@wikusuryomurti�
Market Share Aset
• k
www.wikusuryomurti.com�@wikusuryomurti�
Market Penetrasi Kontribusi per 2012
• Keterangan : • *) Kontribusi bruto menggunakan data unaudited
**) Berita Resmi Sta7s7k BPS No. 14/02/Th. XVI tanggal 5 Februari 2012
• Penetrasi= Kontribusi Bruto/ GDP Densitas = Kontribusi Bruto/ Jumlah Penduduk
www.wikusuryomurti.com�@wikusuryomurti�
Data Klaim per 2012
• k
www.wikusuryomurti.com�@wikusuryomurti�
Data Investasi per 2012
• b
www.wikusuryomurti.com�@wikusuryomurti�
Rincian Investasi (dalam milyar)
• m
www.wikusuryomurti.com�@wikusuryomurti�
Data Premi
No Perusahaan Premi 2011 Premi 2010 1 Pruden7al Life Assurance, PT. 14,312,405 9,715,331 2 Sinarmas MSIG, PT. Asuransi Jiwa 12,473,120 9,282,949 3 Manulife, PT. Asuransi Jiwa 7,020,007 5,820,512 4 Allianz Life Indonesia, PT. Asuransi Jiwa 6,593,233 4,728,805 5 Indolife Pensiontama, PT. 5,479,507 4,299,007 6 Mega Life, PT. Asuransi Jiwa 5,233,869 6,683,478 7 Bumiputera 1912, AJB. 4,995,665 4,690,845 8 AXA Mandiri Financial Services, PT. 4,791,452 2,771,314 9 Jiwasraya, PT. Asuransi ( Persero ) 4,640,651 3,498,828 10 AIA Financial, PT. Asuransi Jiwa 4,261,855 3,409,881
www.wikusuryomurti.com�@wikusuryomurti�
Data Aset
No Perusahaan Aset 2011 Aset 2010 1 Pruden7al Life Assurance, PT. 30,959,394 25,144,633 2 Manulife, PT. Asuransi Jiwa 23,526,740 17,683,679 3 AIA Financial, PT. Asuransi Jiwa 22,723,759 20,118,013 4 Sinarmas MSIG, PT. Asuransi Jiwa 21,572,028 11,446,045 5 Bumiputera 1912, AJB. 21,488,349 20,083,067
6 Allianz Life Indonesia, PT. Asuransi Jiwa 15,503,366 11,711,661
7 AXA Mandiri Financial Services, PT. 11,593,022 8,488,165
8 Avrist Assuranse, PT. 10,407,642 9,532,202 9 Indolife Pensiontama, PT. 8,804,817 6,725,654
10 Jiwasraya, PT. Asuransi ( Persero ) 8,002,455 7,234,417
www.wikusuryomurti.com�@wikusuryomurti�
Data laba
No Perusahaan Laba 2011 Laba 2010 1 Pruden7al Life Assurance, PT. 3,726,493 2,341,375 2 Sinarmas MSIG, PT. Asuransi Jiwa 1,293,997 542,496
3 AXA Mandiri Financial Services, PT. 1,121,325 479,938
4 AIA Financial, PT. Asuransi Jiwa 466,077 418,822 5 Manulife, PT. Asuransi Jiwa 448,312 270,829
6 Jiwasraya, PT. Asuransi ( Persero ) 394,036 204,470
7 Allianz Life Indonesia, PT. Asuransi Jiwa 363,896 295,738
8 Avrist Assuranse, PT. 281,831 177,088 9 Sequis Life, PT. Asuransi Jiwa 231,940 188,053 10 CIGNA, PT. Asuransi 224,537 167,038
www.wikusuryomurti.com�@wikusuryomurti�
Data Investasi
No Perusahaan Inv. 2011 Inv. 2010 1 Pruden7al Life Assurance, PT. 27,452,887 23,346,388
2 Manulife, PT. Asuransi Jiwa 21,988,891 16,983,473
3 AIA Financial, PT. Asuransi Jiwa 21,606,272 18,957,575
4 Sinarmas, PT. Asuransi Jiwa 21,175,391 11,123,069
5 Allianz Life Indonesia, PT. Asuransi Jiwa 14,837,779 11,300,472
6 AXA Mandiri Financial Services, PT. 10,607,265 8,035,481
7 Avrist Assuranse, PT. 10,117,826 9,291,851
8 Bumiputera 1912, AJB. 10,048,586 9,037,319
9 Indolife Pensiontama, PT. 8,410,604 6,484,369
10 Jiwasraya, PT. Asuransi ( Persero ) 7,442,351 6,777,135
www.wikusuryomurti.com�@wikusuryomurti�
-‐
Wiku Suryomur+, MSi • Magister Sains Ekonomi Islam
Universitas Indonesia • Public Speaker, konsultan dan
Perencana Keuangan • Penulis Buku Investasi Syariah • @wikusuryomur7 • www.wikusuryomur7.com