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Abstract
The insurance industry in Indonesia is one of the industrial sectors that has a very dynamic development in terms of the number of insurance participants, the amount of sum assured and/or premiums as well as the various types of insurance objects. The growth and development of the insurance industry in Indonesia is not only influenced by socio-economic aspec but also by aspects of government policies in the field of insurance. However, the occurrence of several cases of default on several insurance company hurt the insurance service industry sector, including a decline in public confidence in insurance because insurance was considered no longer able to protect its customers. This research was conducted using normative juridical methods through secondary data related to the concept of the triple helix in industrial development in Indonesia and its relation to positive law in Indonesia. The data that has been collected is then analyzed using qualitative methods and the results are then presented descriptive so that a clear picture can be obtained regarding the topic that is the problem in this study. The research results obtained: First, the implementation of the triple helix concept can contribute to the development of the national insurance industry, among other things, through the provision of quality human resources, research and development, and the establishment of policies that are fairer and have legal certainty. Second, the triple helix concept as a supporter of the development of the insurance industry in Indonesia will be successful if it is supported by the commitment of all elements of the triple helix to work together in developing the national insurance industry and the accuracy of targets in formulating cooperation.
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References
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- Elisatris Gultom, Perlindungan Hukum dalam Kegiatan Asuransi (Bandung, Logoz Publishing, 2022)
- Herman Darmawi, Manajemen Risiko, (Jakarta: Bumi Aksara, 2006).
- Mulhadi, Dasar-dasar Hukum Asuransi, (Depok: Rajawali Pers, 2017).
- Sulistiyani Ambar Teguh, Kemitraan dan Model-Model Pemberdayaan, (Yogyakarta: Gava Media, 2017).
- Aflit Nuryulia Praswati, “Perkembangan Model Helix dalam Peningkatan Inovasi”, Prosiding Seminar Nasional Riset Manajemen & Bisnis “Perkembangan Konsep dan Riset EBusiness di Indonesia”, 2017, ISBN: 978-602-361-067-9. hlm. 690.
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- Ulf Linder dan Vesa Ronkainen. “Solvency II–Towards a New Insurance Supervisory System in the EU”, Scandinavian Actuarial Journal, 2004, hlm. 462–74.
- Arif Ferdianto, “Kelangkaan Akruaris Masih Jadi Kendala Asuransi Umum”, https://keuangan.kontan.co.id/news/kelangkaan-aktuaris-masih-jadi-kendala-asuransi-umum, dikutip pada 20 Juli 2023.
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- OJK Institute, “Prospek Insurtech di Indonesia”, https://www.ojk.go.id/ojk-institute/id/capacitybuilding/upcoming/1381/prospek-insurtech-di-indonesia, dikutip pada 3 Juli 2023.
- Rika Anggraeni, “Jasa Keuangan dan Asuransi Jadi Kontributor Ketiga Penerimaan Pajak Capai 109 Persen”, https://finansial.bisnis.com/read/20221223/215/1610825/jasa-keuangan-dan-asuransi-jadi-kontributor-ketiga-penerimaan-pajak-capai-109-persen, dikutip pada 14 Juli 2023.
- Saugi Riyandi, “Menkeu Sebut Industri Asuransi Jadi Penopang Ekonomi Negara Berkembang”, https://www.jawapos.com/bisnis/0181988/menkeu-sebut-industri-asuransi-jadi-penopang-ekonomi-negara-berkembang, dikutip pada 3 Juli 2023.
- Titis Nurdiana, “Inilah 4 Kasus Gagal Bayar Besar Asuransi Jiwa di Indonesia, https://keuangan.kontan.co.id/news/inilah-4-kasus-gagal-bayar-besar-asuransi-jiwa-di-indonesia?page=all, dikutip pada 3 Juli 2023.
References
Abdulkadir Muhammad, Hukum Asuransi Indonesia, Cetakan ke-IV, (Bandung: Citra Aditya Bakti, 2015).
Elisatris Gultom, Perlindungan Hukum dalam Kegiatan Asuransi (Bandung, Logoz Publishing, 2022)
Herman Darmawi, Manajemen Risiko, (Jakarta: Bumi Aksara, 2006).
Mulhadi, Dasar-dasar Hukum Asuransi, (Depok: Rajawali Pers, 2017).
Sulistiyani Ambar Teguh, Kemitraan dan Model-Model Pemberdayaan, (Yogyakarta: Gava Media, 2017).
Aflit Nuryulia Praswati, “Perkembangan Model Helix dalam Peningkatan Inovasi”, Prosiding Seminar Nasional Riset Manajemen & Bisnis “Perkembangan Konsep dan Riset EBusiness di Indonesia”, 2017, ISBN: 978-602-361-067-9. hlm. 690.
A. Jaelani, “Triple Helix Sebagai Model Bagi Inovasi Pendidikan Tinggi: Analisis Logika Kelembagaan Dalam Pengembangan Kewirausahaan Dan Ekonomi”, Al Amwal (Jurnal Ekonomi Dan Perbankan Syariah), Vol. 11, No. 1, hlm. 121–138.
Ulf Linder dan Vesa Ronkainen. “Solvency II–Towards a New Insurance Supervisory System in the EU”, Scandinavian Actuarial Journal, 2004, hlm. 462–74.
Arif Ferdianto, “Kelangkaan Akruaris Masih Jadi Kendala Asuransi Umum”, https://keuangan.kontan.co.id/news/kelangkaan-aktuaris-masih-jadi-kendala-asuransi-umum, dikutip pada 20 Juli 2023.
Media Asuransi, “Efek Pandemi Bagi Industri Asuransi”, https://mediaasuransinews.co.id/majalah/editors-note/efek-pandemi-bagi-industri-asuransi/, dikutip pada 3 Juli 2023.
OJK Institute, “Prospek Insurtech di Indonesia”, https://www.ojk.go.id/ojk-institute/id/capacitybuilding/upcoming/1381/prospek-insurtech-di-indonesia, dikutip pada 3 Juli 2023.
Rika Anggraeni, “Jasa Keuangan dan Asuransi Jadi Kontributor Ketiga Penerimaan Pajak Capai 109 Persen”, https://finansial.bisnis.com/read/20221223/215/1610825/jasa-keuangan-dan-asuransi-jadi-kontributor-ketiga-penerimaan-pajak-capai-109-persen, dikutip pada 14 Juli 2023.
Saugi Riyandi, “Menkeu Sebut Industri Asuransi Jadi Penopang Ekonomi Negara Berkembang”, https://www.jawapos.com/bisnis/0181988/menkeu-sebut-industri-asuransi-jadi-penopang-ekonomi-negara-berkembang, dikutip pada 3 Juli 2023.
Titis Nurdiana, “Inilah 4 Kasus Gagal Bayar Besar Asuransi Jiwa di Indonesia, https://keuangan.kontan.co.id/news/inilah-4-kasus-gagal-bayar-besar-asuransi-jiwa-di-indonesia?page=all, dikutip pada 3 Juli 2023.