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GAMBARAN PENGGUNAAN FINANCIAL TECHNOLOGY (FINTECH) DALAM BENTUK PINJAMAN ONLINE (PINJOL) PADA UMKM DI INDONESIA I Made Indra P; Fanny Novika; Antonius Anton Lie; Insri Nuryati
National Conference on Applied Business, Education, & Technology (NCABET) Vol. 1 No. 1 (2021): The 1st National Conference on Applied Business, Education & Technology (NCABET
Publisher : Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (233.326 KB) | DOI: 10.46306/ncabet.v1i1.2

Abstract

The use of technological advances in the financial sector is growing rapidly. Technological innovations present a more practical financial transaction process, one of which is applied to online loans. Online lending business practices connect lenders with online lenders. The disbursement of 22 trillion loans from 99 online loan companies registered with the OJK has made 9 million transactions to more than 3 million Indonesians. For this reason, it is necessary to analyze the factors that influence interest in using financial technology in the form of online loans. As one of Indonesia's financial drivers, Micro, Small and Medium Enterprises (MSMEs) play a role in transactions using online loan platforms. This study uses a quantitative approach by conducting an online survey of MSMEs to obtain primary data. The survey results show that 44.41% of SMEs use registered online loans, 18.75% use unregistered loans and 36.84% do not. The majority of businesses are SMEs in the culinary field with 58.88% of the main occupations, 50.99% having high school education and 66.78% living in rural areas. From a psychological point of view, most MSME actors make online loans from self-indulgence and have sufficient perceptions, lack of knowledge and sufficient attitudes. From social factors, most of them are motivated by colleagues who use online loans. Most of the MSME sellers are aged 36-45 years with a monthly net income of less than 5 million.
PENGEMBANGAN LABORATORIUM DAN PERPUSTAKAAN VIRTUAL SEBAGAI UPAYA MENGINGKATKAN LITERASI ASURANSI MASYARAKAT INDONESIA Antonius Anton Lie
Jurnal Indonesia Mengabdi Vol. 1 No. 1 (2022): Jurnal Indonesia Mengabdi (JIM)
Publisher : Tahta Media Grup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55080/jim.v1i1.9

Abstract

Sebagian besar masyarakat Indonesia belum sadar risiko dan tidak melakukan mitigasi risiko dengan memiliki perlindungan asuransi. Survei Nasional Literasi Keuangan ketiga yang dilakukan oleh OJK Tahun 2019 menunjukkan indeks literasi asuransi di Indonesia masih rendah yaitu hanya sebesar 15,80% dan inklusi 19,40%. Dampak dari tingkat literasi asuransi yang rendah mengakibatkan keinginan masyarakat untuk berkuliah di bidang asuransi juga rendah sehingga perkembangan kemajuan Perguruan Tinggi dibidang perasuransian bergerak lambat dan tertinggal jauh dari kemajuan Perguruan Tinggi yang bergerak di bidang lain. Tujuan dari disediakan Labotorium Virtual STMA Trisakti adalah sebagai wadah untuk: Meningkatkan pengetahuan mahasiswa dan dosen dengan menggunakan proses pembelajaran yang kreatif dan inovatif; Meningkatkan keterampilan mahasiswa dan dosen dengan proses pembelajaran menggunakan digital yang efesien dan efektif; Terjalinnya kolaborasi dosen dan mahasiswa dalam menghasilkan karya Bersama. Lomba Video Kreatif kolaborasi dosen dan mahasiswa telah menghasilkan 31 -karya terbaik kolaborasi mahasiswa dan dosen STMA Trisakti yang dalam Laboratorium Virtual yang berbentuk video animasi pembelajaran asuransi. Apabila hasil karya telah tersedia cukup, maka karya-karya tersebut akan ditempatkan di perpustakaan virtual yang mudah diakses oleh seluruh masyarakat Indonesia
Regulation of Capitalization and Supervision in the General Insurance Industry: a Comparative Analysis of Indonesia and Hong Kong Citra Pusparini; Antonius Anton Lie; Ari Widiatmoko
Return : Study of Management, Economic and Bussines Vol. 5 No. 1 (2026): Return: Study of Management, Economic and Business
Publisher : PT. Publikasiku Academic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57096/return.v5i1.430

Abstract

This article presents a comparative analysis of capital regulation and supervision in the general insurance sector in Indonesia and Hong Kong, and assesses their implications for industry resilience and policyholder protection. The study employs a comparative qualitative design, combining document analysis of key regulations (POJK, UU P2SK, HKRBC, HKIA guidelines) and semi-structured interviews with regulators, industry players, and experts, which are then analyzed thematically using a comparison matrix. Indonesia has strengthened industry resilience primarily through gradual increases in minimum nominal capital and market consolidation, while Hong Kong relies on the Hong Kong Risk-Based Capital (HKRBC) framework that links capital requirements directly to each company's risk profile. In terms of supervision, the Financial Services Authority (OJK) implements Risk-Based Supervision (RBS), which is still in the capacity-building phase, while the Hong Kong Insurance Authority (HKIA) has integrated the three pillars of HKRBC—quantitative capital, Enterprise Risk Management (ERM) and governance, and disclosure—into its mature risk-based and group-wide supervision regime. The study concludes that systematically strengthening the capital and supervisory frameworks in both jurisdictions adds layers of protection and improves governance, but also requires structural readiness, quality human resources, and adaptability at both the firm and regulatory levels. Key lessons from Hong Kong for Indonesia include the need for a clear roadmap to a deeper risk-based regime, strengthening ERM and key governance functions, and leveraging data and interagency collaboration to support effective and sustainable supervision.