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Ibrahim Nur Wahid
Universitas Al Azhar Indonesia
Economics, Econometrics & Finance Social Sciences Other

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Analisis Kesiapan Spin-off Unit Syariah Perusahaan Asuransi Jiwa di Indonesia Rijal Arslan; Asri Noer Rahmi; Mitha Aulia; Ibrahim Nur Wahid
Jurnal Riset Manajemen dan Bisnis Volume 6, No. 1, Juli 2026 Jurnal Riset Manajemen dan Bisnis (JRMB)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrmb.v6i1.9940

Abstract

Abstract. This study is based on Article 7 of the Financial Services Authority Regulation (POJK) No. 11 of 2023, which requires Sharia Insurance Units to conduct a spin-off no later than December 31, 2026. Sharia Units that fail to comply with this regulation must return their operating license to the Financial Services Authority (OJK). Out of 29 Sharia Life Insurance Companies, 20 are still operating as Sharia Units and therefore must prepare for the spin-off process. The research employs a quantitative descriptive method using a scoring approach, measured through three key indicators: Total Assets, Risk-Based Capital (RBC) Ratio, and Return on Investment (ROI) Ratio. The results show that six Sharia Life Insurance Units fall into the Ready to Spin-off category with a final scores between 90 - 100, four units are categorized as Ready to Spin-off with Synergy with scores between 70 - <90, and ten units are classified as Need to Scale-up Business before Spin-off with scores below 70. Abstrak. Latar Belakang penelitian ini berdasarkan Pasal 7 Peraturan Otoritas Jasa Keuangan (POJK) No. 11 tahun 2023 Unit Syariah Perusahaan Asuransi wajib melakukan Spin-off dengan batas waktu paling lambat 31 Desember tahun 2026. Bagi Unit Syariah yang tidak melakukan Spin-off sesuai waktu yang telah ditentukan regulasi, wajib mengembalikan izin unit syariahnya ke OJK. Dari 29 Perusahaan Asuransi Jiwa Syariah, masih terdapat 20 Perusahaan Asuransi yang masih berbentuk Unit Syariah. Metode yang digunakan dalam penelitian ini adalah metode penelitian kuantitatif deskriptif dengan menggunakan metode Scoring yang diukur melalui 3 (tiga) indikator penilaian, yaitu Total Aset, Rasio Risk Based Capital (RBC), dan Rasio Return on Investment (ROI). Hasil penelitian menunjukan terdapat 6 (enam) Unit Syariah Perusahaan Asuransi Jiwa yang masuk kategori Ready to Spin-off karena memperoleh skor akhir 90 - 100, 4 (empat) Unit Syariah masuk kategori Ready to Spin-off with Synergy karena memiliki skor akhir antara 70 - <90, dan 10 (sepuluh) Unit Syariah masuk kategori Need to Scale-up Business before Spin-off karena memiliki skor akhir <70.
Co-Authors Asri Noer Rahmi Mitha Aulia Rijal Arslan