Mengenal Sejarah dan Tokoh - tokoh Asuransi Indonesia

Summary

This transcript details the history of insurance in Indonesia, focusing on Dwijosewoyo, a key figure known as the 'Father of Indonesian Insurance.' Dwijosewoyo founded an insurance initiative for native Indonesian teachers in 1912, creating the foundation for AJB Bumiputera 1912. Despite financial struggles and challenges, he expanded the concept of life insurance to improve economic security for Indonesians, especially teachers. His vision faced various obstacles but laid the groundwork for Indonesia’s insurance industry, blending cultural values of mutual assistance with modern insurance principles. Dwijosewoyo’s legacy continues to influence Indonesia’s insurance sector today.

Takeaways

• 😀 Dwijosewoyo is regarded as the 'Father of Insurance' in Indonesia and played a key role in introducing insurance concepts to the country.
• 😀 In January 2020, four Indonesian insurance companies faced significant issues: Jiwasraya, Asabri, Taspen, and AJB, Bumiputera 1912.
• 😀 The challenges these companies faced included corruption allegations, accounting irregularities, and increasing claims that damaged trust in the industry.
• 😀 Dwijosewoyo's idea for an Indonesian insurance company started in 1912 with the founding of 'Olridge Pghb,' which later became the foundation for AJB, Bumiputera 1912.
• 😀 His mission was to provide economic support for teachers, particularly regarding pensions, through insurance.
• 😀 Dwijosewoyo believed in the principle of mutual cooperation ('gotong royong'), which he used as a basis for founding insurance services in Indonesia.
• 😀 He was inspired by financial reports from Emil LMJ, a life insurance company from the Dutch colonial era, which showed that insurance companies could generate profits for both businesses and policyholders.
• 😀 In 1912, Dwijosewoyo's proposal for a life insurance company was approved by members of Budi Utomo, though it took two years before any concrete steps were taken.
• 😀 The initial insurance scheme had minimal capital, with premiums as low as 0.75 to 8.4 Golden, and grew by attracting members from teachers and later from government employees.
• 😀 Dwijosewoyo continued to push for the development of insurance services, eventually founding 'Olridge Putra Merdeka' in 1915 to cater to private sector employees, creating a dual insurance system in Indonesia.

Q & A

Who is Dwijosewoyo and what is his significance in the history of insurance in Indonesia?

Dwijosewoyo, often called the 'Father of Insurance in Indonesia,' is known for establishing the first life insurance company for the Indonesian people. His efforts in 1912 laid the foundation for AJB Bumiputera 1912, which was initially aimed at helping local teachers with pension funds and economic security.

What was the original purpose behind the establishment of AJB Bumiputera 1912?

AJB Bumiputera 1912 was founded to support the economic needs of teachers in Indonesia, particularly for pension funds. It was initially aimed at improving the financial well-being of teachers who were poorly paid and lacked adequate security for the future.

How did Dwijosewoyo view the concept of insurance, and what influenced his perspective?

Dwijosewoyo was inspired by the cooperative nature of insurance, believing in mutual assistance or 'gotong royong,' which was central to Indonesian culture. His perspective was influenced by his exposure to the financial reports of a Dutch insurance company, which demonstrated the profitability and benefits of life insurance.

What challenges did teachers in Indonesia face before the establishment of AJB Bumiputera 1912?

Teachers in Indonesia, especially local ones, were poorly compensated, with salaries ranging from 15 to 40 guilders per month. This meager income made it difficult for them to cover daily living expenses, save for emergencies, or provide for their families in case of illness or death.

How did Dwijosewoyo finance the early stages of AJB Bumiputera 1912?

The initial financing of AJB Bumiputera 1912 was sourced from the premiums paid by its members, which ranged from 0.75 to 8.4 guilders. Although the organization started with no capital, it was able to sustain itself through these contributions and the eventual government subsidy.

What was the role of the government in supporting the development of AJB Bumiputera 1912?

The colonial government provided a subsidy to AJB Bumiputera 1912 after Dwijosewoyo applied for it. The subsidy helped cover operational costs and prevented the company from going bankrupt, allowing it to continue providing services to its members.

What was the structure and membership like at the beginning of AJB Bumiputera 1912?

Initially, AJB Bumiputera 1912 had no formal capital and operated on a commission-based model. The organization’s membership was primarily composed of teachers and local government employees. Over time, it expanded its membership to include other groups and eventually became a recognized legal entity.

How did Dwijosewoyo manage the expansion of AJB Bumiputera 1912?

Dwijosewoyo actively sought out influential figures from Budi Utomo and local royal courts in Yogyakarta and Surakarta to become agents for AJB Bumiputera 1912. His strategic efforts to widen membership included both teachers and government employees, expanding the company’s reach and financial stability.

What was Dwijosewoyo’s contribution to the creation of another insurance company in 1915?

In 1915, Dwijosewoyo founded another insurance company, Olridge Putra Merdeka, which was aimed at the private sector, focusing on local people. This was in response to the limitations of expanding AJB Bumiputera 1912 into the private sector, which was not well-received.

How did Dwijosewoyo’s age and health impact his work towards the end of his life?

Despite his advanced age, Dwijosewoyo remained dedicated to the development of insurance for the local people, even at 76 years old. However, his efforts were cut short when he passed away in October 1943, before he could attend any more meetings regarding the direction of his companies.