Microtakaful Conference Indonesia Hasyim... · 2017-07-28 · Perlindungan Sahabat Credit life...
Transcript of Microtakaful Conference Indonesia Hasyim... · 2017-07-28 · Perlindungan Sahabat Credit life...
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Microtakaful Conference Indonesia
PT AVRIST ASSURANCE
2014
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Life Takaful Penetration (Contribution)
For The Last 5 Years
Source :
- M. Shaifie Z, “Persoalan operasional yang dihadapi industri asuransi & reasuransi syariah dan studi kasus
- AASI
61,726
75,596
96,441
103,513
113,930
2,509 3,022 4,084 4,816 7,160
4.06% 4.00% 4.23% 4.65%6.28%
23.72%
20.45%
35.14%
17.92%
48.67%
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
-
20,000
40,000
60,000
80,000
100,000
120,000
2009 2010 2011 2012 2013
Bru
to C
on
trib
utio
n ( B
illio
n R
up
iah
)
Life Takaful Penetration (Contribution) For The Last 5 Years
Total Life Insurance Syariah Life Insurance Portion of Syariah Life Insurance Growth of Syariah Contribution
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Syariah Insurance and Reinsurance
Asset Growth Q1, Q2, Q3 & Q4 2013
11,393
12,369 12,147 12,792
3,581 3,659 3,800 3,869
14,975
16,029 15,947 16,661
-
2,000
4,000
6,000
8,000
10,000
12,000
14,000
16,000
18,000
Q1 2013 Q2 2013 Q3 2013 Q4 2013
Ass
et
(Bil
lio
n R
up
iah
)
Syariah Insurance and Reinsurance Asset Growth Q1, Q2, Q3 & Q4 2013
Life Insurance & Syariah Unit General Insurance & Syariah Reinsurance Total Syariah Insurance
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Syariah Market Contribution and
Asset Penetration Against GDP
Q1, Q2, Q3 & Q4 2013
Source : BPS Press Release No. 14/02/th. XVI date 5 February 2012
Notes :
Contribution (Asset) Penetration = Bruto Contribution (Asset) / GDP
2,237
4,416
6,586
8,878
14,975
16,029 15,947 16,661
0.03%
0.05%
0.08%
0.11%
0.18%
0.19% 0.19%0.20%
0.00%
0.05%
0.10%
0.15%
0.20%
0.25%
-
2,000
4,000
6,000
8,000
10,000
12,000
14,000
16,000
18,000
Q1 2013 Q2 2013 Q3 2013 Q4 2013
in B
iili
on
Ru
pia
h
Syariah Market Contribution and Asset Penetration Against GDP Q1, Q2, Q3 & Q4 2013
Bruto Contribution Asset Contribution Penetration Asset Penetration
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Our Experienced
• Around 40% of individual member of takaful
business are non moslem
• Takaful portion to total assets is still less than
10%
• In year 2013, takaful business contribute 5%
to total profit
• Tabaru’ fund contributed significantly from
micro takaful
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Our Experienced
Covered Small loan for women
Credit life takaful pays a death benefit of
initial loan coverage
– Average loan = Rp 800 thousand
– Tenor loan = less than 1 year
– Mode entry age = 47
– Premium = less than Rp 3,000
– Total member = around 19.000
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Our Experienced
Perlindungan Sahabat
Credit life takaful pays a death benefit of
outstanding loan coverage
– Mode loan = IDR 50 mio
– Mode tenor loan = 3 years
– Mode entry age = 38
– Premium = single premium
– Total member = around 28.000
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SUCCESS KEY OF
MICROTAKAFUL
Building Distribution Channels
Simple product and easy to understand
Support from regulator and industry
Collections of Premium (Renewal Premium, Longer grace period, Bundling with financing installment)
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CHALLENGES
Collection Channels
High cost, low persistency,
simple product
Low Awareness of Takaful
Institution, e.g. Bank,
cooperative, post
office
NGO, e.g. BTM
Individual , e.g
Agency ,worksite
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Our Respond
Build Distributions Channels
• MNU
• Cooperative
• Rural Bank (BPR)
Build micro Takaful product
• Voluntary base with affordable premium
• Wide coverage, death, accident, hospital benefit
cash
• Improve collection premium process
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THANK YOU