PERTUMBUHAN INDUSTRI ASURANSI JIWA DI INDONESIA: SUATU KAJIAN DARI SISI PENAWARAN

https://doi.org/10.22146/kawistara.3925

Firdaus Djaelani(1*)

(1) Program Studi Kebijakkan Sekolah Pascasarjana Universitas Gadjah mada
(*) Corresponding Author

Abstract


Life insurance has become the need in today modern community’s life. In Indonesia, the demand on life insurance
grew continuously in line with the increase of people’s income and awareness on the importance of risk anticipation.
To fulfill this demand, the number of life insurance companies always increased as well as various products supplied
in the market. However, the contribution of insurance industry, especially life insurance, on Indonesia’s economy
was relatively low. This research is aimed to analyze factors affecting the life insurance industry growth from
supply side. The secondary data was collected from 15 biggest life insurance companies in Indonesia. Meanwhile,
the main tools of analysis used were including descriptive statistic and dynamic panel regression. The analysis
result shows that the product variety has no impact on the gross premium of life insurance growth, number of
policies, and insurance funds. On the reverse, supporting infrastructures and government policy have significant
and positive impacts.

Keywords


life insurance industry; supply side;

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DOI: https://doi.org/10.22146/kawistara.3925

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Jurnal Kawistara is published by the Graduate School, Universitas Gadjah Mada.