{"id":6697,"date":"2023-05-31T16:54:31","date_gmt":"2023-05-31T09:54:31","guid":{"rendered":"https:\/\/businessupdate.id\/?p=6697"},"modified":"2023-05-31T16:54:33","modified_gmt":"2023-05-31T09:54:33","slug":"tambah-modal-perusahaan-asuransi-tak-jamin-keamanan-nasabah","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=6697","title":{"rendered":"Tambah Modal Perusahaan Asuransi Tak Jamin Keamanan Nasabah"},"content":{"rendered":"\n<p><strong>BusinessUpdate &#8211;<\/strong> Penambahan modal perusahaan asuransi tak memberikan jaminan kepada nasabah asuransi terbebas dari ancaman gagal bayar.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Otoritas Jasa Keuangan (OJK) selaku regulator berencana menerbitkan aturan terkait penambahan modal perusahaan asuransi jiwa dan umum, baik konvensional maupun syariah.&nbsp;<\/p>\n\n\n\n<p>Menurut pengamat asuransi Irvan Rahardjo, adanya rencana penambahan modal perusahaan asuransi tidak serta merta membuat risiko nasabah mengalami gagal bayar jadi hilang.&nbsp;<\/p>\n\n\n\n<p>&#8220;OJK menempuh solusi sapu jagad. Asumsinya, dengan adanya modal setor naik tidak ada gagal bayar,&#8221; ujarnya seperti dikutip <em>Kompas<\/em>, Rabu (31\/5\/2023). Padahal, masih banyak faktor lain yang memengaruhi perusahaan dalam kaitannya dengan risiko gagal bayar. Misalnya, faktor pengawasan regulator, integritas, manajemen, kepemimpinan, dan tata kelola.&nbsp;<\/p>\n\n\n\n<p>Ia menjelaskan tidak ada jaminan nasabah akan mendapatkan manfaat lebih ketika modal perusahaan asuransi meningkat. Bahkan, tarif premi asuransi bisa menjadi lebih mahal karena tuntutan investor untuk mendapatkan imbal hasil investasi dalam waktu singkat.&nbsp;<\/p>\n\n\n\n<p>Selain itu, perusahaan asuransi juga masih memiliki beban untuk membayar iuran Lembaga Penjamin Polis (LPP). &#8220;Demikian pula klaim, bisa lebih dipersulit untuk mencegah kerugian lebih besar dengan modal setor yang makin besar,&#8221; imbuhnya.&nbsp;<\/p>\n\n\n\n<p>Di sisi lain, Irvan memproyeksikan adanya rencana peningkatan modal perusahaan asuransi itu akan memunculkan konsolidasi pasar secara signifikan. Jumlah asuransi umum dan jiwa dapat berkurang sebanyak 50-60% dari jumlah yang ada sekarang melalui proses <em>merger <\/em>dan <em>acquisition<\/em> (M&amp;A).&nbsp;<\/p>\n\n\n\n<p>Sementara itu, Ketua Asosiasi Asuransi Umum Indonesia (AAUI) Budi Herawan mengatakan, penambahan modal perusahaan asuransi tidak menjadi satu-satunya faktor yang menjamin asuransi kuat dan sehat. Penambahan modal juga tidak menjadi jaminan perusahaan asuransi akan tumbuh signifikan.&nbsp;<\/p>\n\n\n\n<p>&#8220;Karena asuransi tidak berdiri sendiri, kami merupakan satu ekosistem. Kami ada perusahaan reasuransi sebagai pendukung,&#8221; katanya. Namun, ia menegaskan industri asuransi umum pada dasarnya tidak menolak wacana beleid tersebut. (pa\/jh)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Penambahan modal perusahaan asuransi tak memberikan jaminan kepada nasabah asuransi terbebas dari ancaman gagal bayar.&nbsp;&nbsp; Otoritas Jasa Keuangan (OJK) selaku regulator berencana menerbitkan aturan terkait penambahan modal perusahaan asuransi jiwa dan umum, baik konvensional maupun syariah.&nbsp; Menurut pengamat asuransi Irvan Rahardjo, adanya rencana penambahan modal perusahaan asuransi tidak serta merta membuat risiko nasabah [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3929,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48,85],"tags":[640,2850,2849,376,641,377,3964,611,1145,374,375,388,2311,1263,698],"class_list":{"0":"post-6697","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-finance","8":"category-insurance","9":"tag-asuransi","10":"tag-bayar","11":"tag-gagal","12":"tag-jasa","13":"tag-jiwa","14":"tag-keuangan","15":"tag-konvensional","16":"tag-modal","17":"tag-nasabah","18":"tag-ojk","19":"tag-otoritas","20":"tag-perusahaan","21":"tag-risiko","22":"tag-syariah","23":"tag-umum"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tambah Modal Perusahaan Asuransi Tak Jamin Keamanan Nasabah - Businessupdate.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessupdate.id\/?p=6697\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tambah Modal Perusahaan Asuransi Tak Jamin Keamanan Nasabah - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Penambahan modal perusahaan asuransi tak memberikan jaminan kepada nasabah asuransi terbebas dari ancaman gagal bayar.&nbsp;&nbsp; Otoritas Jasa Keuangan (OJK) selaku regulator berencana menerbitkan aturan terkait penambahan modal perusahaan asuransi jiwa dan umum, baik konvensional maupun syariah.&nbsp; Menurut pengamat asuransi Irvan Rahardjo, adanya rencana penambahan modal perusahaan asuransi tidak serta merta membuat risiko nasabah [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=6697\" \/>\n<meta property=\"og:site_name\" content=\"Businessupdate.id\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=100088795961927\" \/>\n<meta property=\"article:published_time\" content=\"2023-05-31T09:54:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-05-31T09:54:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2023\/01\/asuransi-e1673858292930.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1137\" \/>\n\t<meta property=\"og:image:height\" content=\"659\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Premieri A\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:site\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Premieri A\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessupdate.id\/?p=6697\",\"url\":\"https:\/\/businessupdate.id\/?p=6697\",\"name\":\"Tambah Modal Perusahaan Asuransi Tak Jamin Keamanan Nasabah - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2023-05-31T09:54:31+00:00\",\"dateModified\":\"2023-05-31T09:54:33+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/39a407b879699c9dfc68b893045cd07e\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=6697#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=6697\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=6697#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Tambah Modal Perusahaan Asuransi Tak Jamin Keamanan Nasabah\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/businessupdate.id\/#website\",\"url\":\"https:\/\/businessupdate.id\/\",\"name\":\"Businessupdate.id\",\"description\":\" \",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/businessupdate.id\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/39a407b879699c9dfc68b893045cd07e\",\"name\":\"Premieri A\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/6ef707773e9166331976e40c3975862c82a2bdf65aa2185282dd7c4be2a1c87e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/6ef707773e9166331976e40c3975862c82a2bdf65aa2185282dd7c4be2a1c87e?s=96&d=mm&r=g\",\"caption\":\"Premieri A\"},\"sameAs\":[\"http:\/\/businessupdate.id\"],\"url\":\"https:\/\/businessupdate.id\/?author=5\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Tambah Modal Perusahaan Asuransi Tak Jamin Keamanan Nasabah - Businessupdate.id","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/businessupdate.id\/?p=6697","og_locale":"en_US","og_type":"article","og_title":"Tambah Modal Perusahaan Asuransi Tak Jamin Keamanan Nasabah - Businessupdate.id","og_description":"BusinessUpdate &#8211; 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