{"id":10457,"date":"2024-10-23T05:05:28","date_gmt":"2024-10-22T22:05:28","guid":{"rendered":"https:\/\/www.linkqu.id\/?p=10457"},"modified":"2024-10-03T13:14:01","modified_gmt":"2024-10-03T06:14:01","slug":"pinjol-dan-judi-online-picu-klaim-asuransi-kredit-kita-harus-lebih-waspada","status":"publish","type":"post","link":"https:\/\/www.linkqu.id\/en\/berita\/pinjol-dan-judi-online-picu-klaim-asuransi-kredit-kita-harus-lebih-waspada\/","title":{"rendered":"Pinjol dan Judi Online Picu Klaim Asuransi Kredit, Kita Harus Lebih Waspada"},"content":{"rendered":"

\"Pinjol<\/p>\n

Dalam semester I-2024, pertumbuhan klaim asuransi kredit yang lebih tinggi dibandingkan pendapatan premi. Data Asosiasi Asuransi Umum Indonesia (AAUI) mencatat rasio klaim terhadap premi asuransi kredit mencapai 78%. Jumlah klaim asuransi kredit selama periode ini mencapai Rp8,3 triliun, naik 35,4% dari Rp6,13 triliun pada periode yang sama tahun lalu. Padahal, industri asuransi umum hanya membukukan kenaikan premi sebesar 26%.<\/p>\n

Menurut Ketua Umum AAUI, Budi Herawan, peningkatan klaim ini disebabkan oleh lonjakan default kredit sebesar 75%. Yang mengkhawatirkan, faktor terbesar yang memicu default tersebut adalah fenomena masyarakat yang terjebak dalam siklus pinjaman online (Pinjol) dan judi online (Judol).<\/p>\n

“Ini memang ada pertumbuhan klaim (asuransi kredit), juga disebabkan ada 75% itu default klaim, ini karena masyarakat terlilit dalam satu sirkulasi pinjol, dan juga judol, sehingga ini pengaruhi terhadap pembayaran credit insurance,” jelas Budi saat menyampaikan paparan kinerja AAUI di Jakarta pada Senin, 30 September 2024.<\/p>\n

Selain itu, Wakil Ketua AAUI Bidang Statistik, Trinita Situmeang, menambahkan bahwa tren default kredit ini kemungkinan besar akan terus berlangsung dalam beberapa waktu ke depan.<\/p>\n

“Kalau untuk asuransi kredit, ini sepertinya klaim untuk default ini secara numbers, secara profile, masih akan kita hadapin. Karena dia memang profilnya seperti itu,” jelas Trinita.<\/p>\n

Kita juga perlu melihat tren rasio NPL (Non-Performing Loan) bank yang melonjak sepanjang tahun ini. Pada Desember 2023, rasio NPL gross tercatat sebesar 2,19% dan NPL net sebesar 0,71%. Namun, pada April 2024, rasio NPL gross meningkat menjadi 2,33%, sedangkan NPL net naik menjadi 0,81%.<\/p>\n

Melihat kondisi ini, kita perlu lebih waspada terhadap fenomena pinjaman online dan judi online yang semakin berdampak pada kesehatan keuangan masyarakat dan industri asuransi kredit. Kami berharap agar langkah-langkah mitigasi dapat segera diambil guna menekan lonjakan klaim ini di masa mendatang.<\/p>","protected":false},"excerpt":{"rendered":"

Dalam semester I-2024, pertumbuhan klaim asuransi kredit yang lebih tinggi dibandingkan pendapatan premi. Data Asosiasi Asuransi Umum Indonesia (AAUI) mencatat rasio klaim terhadap premi asuransi kredit mencapai 78%. Jumlah klaim asuransi kredit selama periode ini mencapai Rp8,3 triliun, naik 35,4% dari Rp6,13 triliun pada periode yang sama tahun lalu. Padahal, industri asuransi umum hanya membukukan […]<\/p>\n","protected":false},"author":1,"featured_media":10459,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"aside","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":"","_wpscppro_dont_share_socialmedia":false,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"","_twitter_share_type":"","_linkedin_share_type":"","_pinterest_share_type":"","_linkedin_share_type_page":"","_instagram_share_type":"","_medium_share_type":"","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[49],"tags":[1668],"class_list":["post-10457","post","type-post","status-publish","format-aside","has-post-thumbnail","hentry","category-berita","tag-stop-judol","post_format-post-format-aside"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.linkqu.id\/en\/wp-json\/wp\/v2\/posts\/10457","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.linkqu.id\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.linkqu.id\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.linkqu.id\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.linkqu.id\/en\/wp-json\/wp\/v2\/comments?post=10457"}],"version-history":[{"count":0,"href":"https:\/\/www.linkqu.id\/en\/wp-json\/wp\/v2\/posts\/10457\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.linkqu.id\/en\/wp-json\/wp\/v2\/media\/10459"}],"wp:attachment":[{"href":"https:\/\/www.linkqu.id\/en\/wp-json\/wp\/v2\/media?parent=10457"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.linkqu.id\/en\/wp-json\/wp\/v2\/categories?post=10457"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.linkqu.id\/en\/wp-json\/wp\/v2\/tags?post=10457"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}