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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

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

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

Analisis Proses Penempatan Risiko ke Perusahaan Asuransi dan Proses Fasilitasi Penyelesaian Klaim Asuransi Car oleh PT. Fred Marius Sabini Insurance Broker Nurrahim, Eka Julianti; Lie, Antonius Anton; Erizal
Ilmu Ekonomi Manajemen dan Akuntansi Vol. 5 No. 2 (2024): Jurnal Ilmu Ekonomi Manajemen dan Akuntansi
Publisher : Universitas Mohammad Husni Thamrin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37012/ileka.v5i2.2390

Kementerian Pekerjaan Umum dan Perumahan Rakyat (PUPR) menetapkan lima prioritas utama dalam program kerja tahun anggaran 2023 untuk mempercepat pembangunan infrastruktur dan pemulihan ekonomi pasca pandemi COVID-19. Prioritas ini meliputi kontrak multi-tahun, pembayaran hutang, rehabilitasi dan rekonstruksi bencana, pembayaran eskalasi, dan program padat karya. Presiden Joko Widodo menargetkan penyelesaian program pembangunan seperti Program Prioritas Nasional pada tahun 2024. PT. Fred Marius Sabini Insurance Broker merupakan salah satu perusahaan pialang asuransi di Indonesia. Pialang asuransi memiliki peran utama yaitu menempatkan risiko dari tertanggung ke perusahaan asuransi dan memfasilitasi penyelesaian klaimnya. Penelitian ini menganalisis proses penempatan risiko asuransi Contractors All Risk (CAR) ke perusahaan asuransi oleh PT. Fred Marius Sabini Insurance Broker, memahami proses fasilitasi penyelesaian klaim, serta mengidentifikasi kendala yang dihadapi dalam proses tersebut.Penelitian ini bertujuan untuk mengetahui bagaimana proses penempatan risiko ke perusahaan asuransi dan proses fasilitasi penyelesaian klaim asuransi CAR oleh PT. Fred Marius Sabini Insurance Broker. Penelitian ini menggunakan metode kualitatif deskriptif. Data yang digunakan adalah data primer dan data sekunder. Teknik pengumpulan data yang digunakan yaitu teknik wawancara dan observasi. Kesimpulan yang dapat ditarik dari penelitian ini adalah proses penempatan risiko asuransi ke perusahaan asuransi dan proses fasilitasi penyelesaian klaim dilakukan sesuai dengan Standard Operating Procedure (SOP) yang ada. Dengan beberapa kendala yang ada, PT. Fred Marius Sabini Insurance Broker dapat mengatasi kendala tersebut dengan baik.

INSURANCE AND ACTUARIAL OLYMPIAD TO INCREASE THE LITERACY OF SMA/SMK/MA STUDENTS IN INDONESIA Lie, Antonius Anton; Indra, I Made; Novika, Fanny; Awaloeddin, Mulawarman; Fandayani, Enno Karina
International Journal of Engagement and Empowerment (IJE2) Vol. 4 No. 3 (2024): International Journal of Engagement and Empowerment
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ije2.v4i3.178

Insurance and Actuarial are interrelated disciplines. However, the level of public literacy in these two fields still needs to be higher, even though both have the potential to create economic stability in Indonesia. Therefore, increasing insurance and actuarial literacy in society is critical. This service activity allows the community, especially SMA/SMK/MA students, to increase insurance literacy through participation in Olympic activities. A total of 256 participants competed in the preliminary round, of which 68 advanced to the semifinal round, and finally, only 12 in the insurance and actuarial fields advanced to the final round. The preliminary and final rounds were held offline, while the final round was held online. In the final round, the finalists answered questions from judges who were experts in the insurance and actuarial fields and provided explanations of their answers to the public via the YouTube channel. This Olympic activity received a good response from practitioners in the insurance sector, who were impressed by the finalists' ability to provide excellent answers

The Effectiveness of Teacher Competition Analysis in Improving Insurance Literacy at National Level Laratmase, Antonia Junianty; Kurniawan, Yohanes Jhony; Lie, Antonius Anton; Robidi; Febrisutisyanto, Ady; Damara, Antonia Samantha
Jurnal Manajemen Pendidikan Vol. 16 No. 1 (2025): Jurnal Manajemen Pendidikan
Publisher : Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/jmp.v16i1.55123

Background Insurance literacy remains a critical component of financial education, particularly in developing nations where public understanding of insurance principles is often limited. Purpose This study aimed to determine the insurance literacy of teachers who had participated in the competition. Design/method/approach The method used was descriptive qualitative method with data collection techniques through questionnaires. Results The study results were: (1). The teacher insurance knowledge level was already at a high level, well literate, with a score of 240 the interval of 160-240. This meant that the respondents had already understood the basic concepts of risk and insurance well. (2). The insurance skills level was at the level of quite literate with a score of 235. This meant that the respondents were skilled enough in managing risk and insurance. Contribution/value the respondents had already understood the basic concepts of risk and the concept of insurance well, but they were still not quite skilled in managing the risk and insurance; respondents were also still hesitant about insurance and insurance capabilities.

The social capital in business organizations: A case study of PT Asia Motor vehicle insurance claim polysindo crime in Jakarta Anton Lie, Antonius
International Journal for Educational and Vocational Studies Vol. 4 No. 1 (2022)
Publisher : Universitas Malikussaleh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/ijevs.v4i1.6619

In recent years, general insurance companies have received attention from the public due to their denial of trust, the weakness of human capital, and physical capital goods. This denial has reduced the energy of social capital which has implications for the low productivity of companies, especially insurance companies. An insurance company at least involves a number of interrelated and cooperating parties, namely: 1) the company, 2) the customer and 3). partner party. The aims of this research are: a. to study and describe the role of social capital in a business organization, especially for the insurance business in Indonesia. b. explain aspects of social capital in PT. Asia Krimere Polysindo (Headquarters and Central Department of Car Insurance Claims) between 1992 and 2005, in relation to the claims process involving external networks such as customers, corporate partners (banks, leasing companies, insurance agents, brokers, workshops) and with other insurance companies. c. identify synergies between financial capital, human capital, physical capital goods and social capital in the organizational structure of the insurance business. From the results of research on synergy between capitals, researchers found 4 patterns of synergy resulting from synergies between human capital, financial capital, physical capital goods and social capital in increasing the productivity of a business organization, namely: 1. Weak positive synergy pattern, 2. Weak synergy pattern negative, 3. Negative strong synergy pattern, 4. Positive strong synergy pattern. corporate partners (banks, leasing companies, insurance agents, brokers, repair shops) and with other insurance companies. c. identify synergies between financial capital, human capital, physical capital goods and social capital in the organizational structure of the insurance business. From the results of research on synergy between capitals, researchers found 4 patterns of synergy resulting from synergies between human capital, financial capital, physical capital goods and social capital in increasing the productivity of a business organization, namely: 1. Weak positive synergy pattern, 2. Weak synergy pattern negative, 3. Negative strong synergy pattern, 4. Positive strong synergy pattern.

Analisis Dampak Keterpurukan Perusahaan Profesional Reasuransi di Masa Pandemi Covid-19 terhadap Kinerja Asuransi Kredit di PT Asuransi Umum Kusnajaya, Thalia; P, I Made Indra; Lie, Antonius Anton
Jurnal Pendidikan Tambusai Vol. 8 No. 3 (2024)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Pandemi Covid-19 pernah menjadi momok yang sangat menakutkan bagi seluruh warga dunia, salah satunya Indonesia. Keberadaannya secara memaksa membawa banyak perubahan dalam seluruh aspek kehidupan. Seperti dua sisi mata uang, dampak pandemi Covid-19 bersifat positif dan negatif. Namun, tentu dampak positif tidak sebanding dengan dampak negatif yang dimilikinya. Covid-19 menjadi pukulan besar dalam perekonomian di Indonesia, mengingat perekonomian sempat jatuh dan tergoncang. Beruntungnya, Indonesia merupakan negara yang besar sehingga perekonomian bisa bangkit dan berangsur-angsur memulihkan diri dengan cukup cepat. Dampak dari turunnya perekonomian sedikit banyak meninggalkan bekas luka yang sulit dihilangkan. Perekonomian yang turun membuat daya beli keseluruhan juga turun. Tidak ada pendapatan yang normal sehingga banyak kredit yang diambil. Tingginya kredit yang diambil tidak berbanding lurus dengan pertumbuhan pendapatan, sehingga membuat kasus gagal bayar marak terjadi. Industri asuransi yang menjamin kredit-kredit gagal bayar tersebut, pun harus menanggung beban klaim yang besar dalam suatu waktu. Perusahaan asuransi dalam menjalankan bisnis asuransinya mayoritas didukung oleh perusahaan reasuransi. Hal tersebut berarti klaim yang dibayarkan oleh perusahaan asuransi sebagian besar berasal dari perusahaan reasuransi. Sehingga, perusahaan reasuransi sebagai hulu dari bisnis asuransi menanggung kerugian terbesar. Kerugian tersebut juga mengikis tingkat solvabilitasnya hingga bahkan mencapai minus. Hal tersebut membuat perusahaan reasuransi khususnya perusahaan professional reasuransi (perusahaan reasuransi yang hanya menjalankan bisnis reasuransi saja; bukan perusahaan asuransi yang menjalankan bisnis reasuransi) di Indonesia mengalami keterpurukan. Keterpurukan itulah yang akhirnya membuat khususnya kondisi industri asuransi di asuransi kredit mengalami perubahan. Perubahan tersebut secara umum adalah semakin mahalnya premi, semakin sedikitnya komisi atau diskon, semakin sempitnya ketentuan jaminan, dan banyak hal ‘regresif’ lainnya. Penulis pada penelitian ini akan melakukan analisis terkait dengan dampak keterpurukan perusahaan profesional reasuransi yang dimaksud terhadap kinerja asuransi kredit di salah satu perusahaan asuransi di Indonesia.

Analisis Proses Penempatan Risiko ke Perusahaan Asuransi dan Proses Fasilitasi Penyelesaian Klaim Asuransi Car oleh PT. Fred Marius Sabini Insurance Broker Nurrahim, Eka Julianti; Lie, Antonius Anton; Erizal
Ilmu Ekonomi Manajemen dan Akuntansi Vol. 5 No. 2 (2024): Jurnal Ilmu Ekonomi Manajemen dan Akuntansi
Publisher : Universitas Mohammad Husni Thamrin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37012/ileka.v5i2.2390

Kementerian Pekerjaan Umum dan Perumahan Rakyat (PUPR) menetapkan lima prioritas utama dalam program kerja tahun anggaran 2023 untuk mempercepat pembangunan infrastruktur dan pemulihan ekonomi pasca pandemi COVID-19. Prioritas ini meliputi kontrak multi-tahun, pembayaran hutang, rehabilitasi dan rekonstruksi bencana, pembayaran eskalasi, dan program padat karya. Presiden Joko Widodo menargetkan penyelesaian program pembangunan seperti Program Prioritas Nasional pada tahun 2024. PT. Fred Marius Sabini Insurance Broker merupakan salah satu perusahaan pialang asuransi di Indonesia. Pialang asuransi memiliki peran utama yaitu menempatkan risiko dari tertanggung ke perusahaan asuransi dan memfasilitasi penyelesaian klaimnya. Penelitian ini menganalisis proses penempatan risiko asuransi Contractors All Risk (CAR) ke perusahaan asuransi oleh PT. Fred Marius Sabini Insurance Broker, memahami proses fasilitasi penyelesaian klaim, serta mengidentifikasi kendala yang dihadapi dalam proses tersebut.Penelitian ini bertujuan untuk mengetahui bagaimana proses penempatan risiko ke perusahaan asuransi dan proses fasilitasi penyelesaian klaim asuransi CAR oleh PT. Fred Marius Sabini Insurance Broker. Penelitian ini menggunakan metode kualitatif deskriptif. Data yang digunakan adalah data primer dan data sekunder. Teknik pengumpulan data yang digunakan yaitu teknik wawancara dan observasi. Kesimpulan yang dapat ditarik dari penelitian ini adalah proses penempatan risiko asuransi ke perusahaan asuransi dan proses fasilitasi penyelesaian klaim dilakukan sesuai dengan Standard Operating Procedure (SOP) yang ada. Dengan beberapa kendala yang ada, PT. Fred Marius Sabini Insurance Broker dapat mengatasi kendala tersebut dengan baik.

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

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.

STRATEGIC DESIGN OF A KNOWLEDGE TRANSFER SCHEME TO ADDRESS GENERATION X RETIREMENT AT PT MITRA ISWARA AND RORIMPANDEY INSURANCE BROKERS Aziz Khan Uktolseja; Suhartono Suhartono; Antonius Anton Lie
Journal of Economic, Bussines and Accounting (COSTING) Vol. 9 No. 3 (2026): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/8h83he52

Workforce ageing increases the risk of institutional knowledge loss when senior leaders approach retirement, particularly in insurance brokerage firms that rely on experience, relationships, and professional judgement. This study aims to design and validate a Human Capital Management-based knowledge transfer scheme to address Generation X retirement at PT Mitra Iswara and Rorimpandey Insurance Brokers. It employed a qualitative two-cycle action research design. The data consisted of 234 employee records and qualitative evidence from 12 informants, including four knowledge donors, six knowledge receivers, and two HRD informants. Data were collected through in-depth interviews, participatory observation, document analysis, focus group discussions, and member checking. The data were analysed using reflective thematic analysis supported by source and method triangulation. The findings identify five critical tacit knowledge domains: relational knowledge, market judgement, terms and conditions negotiation, complex claims handling, and decision escalation. The second-tier leadership was partially ready. The study proposes the MIR Knowledge Transfer Relay model, integrating mentoring, job shadowing, relay method, case clinic, anonymised case note repository, reverse mentoring, readiness-based KPIs, and 30-60-90-day evaluation. The implication is that knowledge transfer should be institutionalised within succession planning and Human Capital Management policy.

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