INDONESIA - TAKAFUL - AAUI: DP Trigger Restrictions Growing Takaful

www.investor.co.id - JAKARTA - Indonesian General Insurance Association (AAUI) rate, the application of the restrictions on payment (down payment / DP) for motor vehicle loans sparked growing Sharia-based insurance industry.
"At the time of initial application of the restrictions on payment for vehicles, vehicle financing affected. However, it pushes conventional financing will switch to the sharia that will impact also on the insurance," said Executive Director Julian AAUI Noor said here on Friday.
He said the force of DP for motor vehicles was enough to give impact on the industry's conventional financing, then the condition would make the transition to syraiah strong enough.  (source)


"If the shariah is no limit to the DP, the condition can make the growing Islamic finance industry and auto insurance will increase growth," he said.
He estimates, Islamic general insurance industry in the third quarter will grow rapidly, especially in the first quarter there is Hari Raya holiday.
"In the third quarter there is Eid, the tradition of Indonesia would normally buy a vehicle, people will look for a cheap DP and it is in sharia, the Islamic insurance will be affected," he said.
Julian added, in the fourth quarter is also expected to experience growth, it was realized from the DP are pending at the time of DP incomes policy enforced.
In addition, he continued, in the fourth quarter will be held "Indonesian Motor Show". Traditionally, when the event takes place there will be an increase in vehicle purchases will automatically have an impact on motor vehicle insurance.

 "In the DP component of any component of insurance, risk management is part of its multi-then with the increasing number of new vehicles, there will be an increase in the insurance industry," he said. (tk / ant)

AAUI: Pembatasan DP Picu Asuransi Syariah Berkembang
Jumat, 6 Juli 2012 | 19:03

Ilustrasi (kontan)

JAKARTA - Asosiasi Asuransi Umum Indonesia (AAUI) menilai, penerapan pembatasan uang muka (down payment/DP) untuk kredit kendaraan bermotor memicu industri asuransi berbasis syariah berkembang.

"Pada saat awal penerapan pembatasan uang muka untuk kendaraan, pembiayaan kendaraan terkena imbas. Namun, hal itu mendorong pembiayaan konvensional akan beralih ke syariah sehingga akan berdampak juga pada asuransinya," ujar Direktur Eksekutif AAUI Julian Noor di Jakarta, Jumat.

Ia mengatakan, berlakunya DP bagi kendaraan bermotor itu cukup memberi imbas pada industri pembiayaan konvensional maka kondisi itu akan membuat peralihan ke syraiah cukup kuat.

"Kalau di syariah itu tidak ada batasan DP, kondisi itu dapat membuat industri pembiayaan syariah berkembang dan otomatis akan meningkatkan pertumbuhan asuransinya," ujar dia.

Ia memperkirakan, industri asuransi umum syariah pada kuartal ketiga akan tumbuh cepat, apalagi pada kuartal itu ada Hari Raya Lebaran.

"Di kuartal ke tiga ada lebaran, tradisi orang Indonesia biasanya akan membeli kendaraan, masyarakat akan mencari DP yang murah dan itu ada di syariah, maka asuransi syariah akan terkena imbasnya," katanya.

Julian menambahkan, pada kuartal ke empat diperkirakan juga mengalami pertumbuhan, hal itu terealisasi dari DP yang tertunda pada saat kebijakan pendapatan DP diberlakukan.

Selain itu, lanjut dia, pada kuartal ke empat akan diselenggarakan "Indonesian Motor Show". Secara tradisi, saat acara itu berlangsung akan ada peningkatan pembelian kendaraan maka otomatis akan berdampak pada asuransi kendaraan bermotornya.

 "Dalam komponen DP ada komponen asuransinya, itu bagian dari manajemen risiko multifinance-nya maka dengan meningkatnya jumlah kendaraan baru, akan ada peningkatan di industri asuransinya," katanya. (tk/ant)

Source: http://www.investor.co.id/moneyandbanking/aaui-pembatasan-dp-picu-asuransi-syariah-berkembang/39956  - July 6, 2012 - google translate