EHN Personal Thought · Travel

Antara Mudik, Balik Kampong dan Balik Bayan

Erwin NoekmanLeave a comment

Seperti biasa, setiap tahunnya menjelang Hari Raya Idul Fitri, bangsa Indonesia digeluti dengan ritual liburan. Selain libur sekolah, para pekerja pun menjalani libur. Selain libur Cuti Bersama sebelum dan setelah 1 Syawal, beberapa juga menambahkan dengan mengambil jatah cuti tahunannya.

Indonesia dengan kemajemukannya, menyebabkan terjadinya migrasi penduduk dari satu kota ke kota lain. Satu pulau ke pulau lainnya. Ada yang sudah beberapa generasi “terpisah” dari tanah leluhurnya, ada pula generasi baru yang “terpisah” dengan orang tuanya.

Alhasil, sebagian besar penduduk yang migrasi tadi memanfaatkan libur panjang untuk kembali ke tanah leluhur atau kembali ke tempat dimana orang tuanya. Istilah yang populer digunakan adalah “mudik”, yang secara literasi artinya kembali ke udik (kampung). Istilah lainnya ” pulang kampung”.

Kalau saya tidak salah kutip, estimasi total perputaran dana menjelang dan selama mudik, mencapai IDR 110 triliun. Angka ini, berupa zakat, infaq, shadaqah, kiriman dana ke kampung halaman, biaya liburan, biaya transportasi (tol, bensin), biaya kuliner, biaya akomodasi dsj.

Mudik ini ternyata bukan hanya ada di Indonesia. Dari pengalaman menjelajah kawasan, saya “turut merasakan” suasana mudik di Malaysia dan Filipina. Mudik di Malaysia, hampir mirip dengan di Indonesia. Di kota utama, seperti Kuala Lumpur, momentum Idul Fitri digunakan penduduk Muslim di sana untuk “balik kampong”. KL serasa kota mati, sebagian besar toko-toko tutup karena tidak ada pekerja yang masuk di Hari Raya Aidil Fitr. Walaupun di Malayaia tidak dikenal Cuti Bersama, tetapi dengan jatah Cuti Tahunan berkisar 12-28 hari mereka bisa memanfaatkannya di Aidil Fitr.

Lain lagi di Filipina, pengalaman saya melakukan dinas di penghujung tahun dari Jakarta juga mulai terasa dari sulitnya mendapatkan jadwal penerbangan ke Manila. Seingat saya waktu itu, karena dinas, “terpaksa” merasakan duduk di kelas utama. Alhamdulillah. Pesawat yang transit di Singapura dipenuhi oleh “overseas workers” yang hendak melakukan “balik bayan” (balik kampung, pulang kampung – red).

Saya sendiri bukan berasal dari keluarga yang mudik. Walaupun ayah kami berasal adalah produk migrasi dari pulau seberang, tetapi beliau sendiri tidak mengkhususkan diri kembali ke kampungnya setiap tahun. Tentunya dengan berbagai alasan dan kondisi yang dialami sepertinya memang agak sulit bila setiap tahun menempuh 2 jam penerbangan ditambah 8 jam menerobos kebun sawit dan hutan, sebelum tiba di kampung yang (sampai 10 tahun lalu) belum dialiri listrik.

Alhasil, setiap tiba momentum Idul Fitri, kami menjalaninya di ibukota dengan ritual berkumpul di rumah orang tua dan berkeliling ke rumah sanak saudara dan handai taulan serta kerabat.

Pengalaman ketika mencoba “mudik” di hari kedua Syawal kami rasakan kurang menyenangkan. Rencana mengisi waktu liburan ke luar kota yang hanya berjarak 200 KM, pun kami nikmati dengan belasan jam di dalam kendaraan saja, ihiks (baca: macet total). Setibanya di kota tujuan pun, tidak dapat kami nikmati sepenuhnya karena jalanan yang padat, sehingga kami memilih menikmati wisata air yang memang tersedia di hotel. Walau demikian, anak-anak kami, tetap menikmati masa liburannya dan turut merasakan mudik.

EHN Personal Thought

1 Syawal

Erwin NoekmanLeave a comment

Setiap momentum Idul Fitri, sebagian diri saya merasakan kegembiraan dengan masuknya bulan Syawal. Setiap Muslim di seluruh belahan dunia pun mengumandangkan takbir sebagai tanda kemenangan. Kemenangan dalam melewati ujian shaum Ramadhan selama sebulan penuh.

Di sisi lain, sebagian diri saya justru merasakan kesedihan. Sedih, karena telah meninggalkan bulan maghfirah, Ramadhan nan suci. Sedih, karena telah berlalu kesempatan mendapatkan pahala berlipat yang tidak bisa didapatkan di bulan-bulan lainnya.

Terbersit pula rasa takut dan khawatir, bagaimana bila seandainya Ramadhan yang baru saja berlalu, ternyata adalah Ramadhan terkakhir. Sungguh tidak ada satu mahkluk pun yang mampu menghindari maut.

Karenanya, saya pun tiada henti-henti berdoa dan memohon kepada Allah azza wa jalla, agar semua amalan ibadah Ramadhan diterima disisi-Nya. Memohon agar ibadah seluruh kaum Mukminin diterima oleh Allah. Memohon agar kita semua masih diberikan kesempatan untuj berjumpa kembali dengan Ramadhan tahun yang akan datang.

Aamiin, ya rabbal alamin

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EHN Personal Thought

Selamat Hari Raya Idul Fitri 1436 Hijriyah

Erwin NoekmanLeave a comment

Assalaamu’alaykum warahmatullahi wabarakatuh

Yth kaum Muslimin dan Muslimat
Yang dirahmati Allah azza wa jalla

Meninggalkan bulan suci Ramadhan dan memasuki 1 Syawal, secara pribadi, keluarga dan kedinasan, saya menyampaikan doa

Taqabbalallahu minna wa minkum, shiyamana wa shiyamakum

Semoga Allah menerima amalan kita semua selama Ramadhan lalu,

Semoga Allah memberikan kita kesempatan untuk berjumpa kembali dengan Ramadhan yang akan datang

Mohon maaf atas segala khilaf dan salah,

Selamat merayakan Hari Raya Idul Fitri 1436H

Salaam,

Erwin Noekman & keluarga
@erwin_noekman

EHN Personal Thought · Syariah / sharia · Syiar · Takaful

Mimpi Kebaikan

Erwin NoekmanLeave a comment

Adalah sebuah “mimpi” mengenai masa depan. Giring Nidji mengatakan bahwa mimpi adalah kunci. Steve Jobs mengatakan bahwa kenikmatan bekerja adalah mencintai pekerjaan. Ketika mimpi dan cinta bersatu, akan menjadi menghasilkan kuantum maha dahsyat.

Berikut sebagian dari mimpi itu…..

Visi (vision)
Menjadi perusahaan asuransi syariah yang memimpin pasar domestik dan mampu bersaing di pasar regional.

Misi (mission)
Menjalankan usaha asuransi syariah yang amanah, transparan dan akuntabel, dengan pengelolaan bisnis profesional yang berbasis teknologi informasi dan ramah lingkungaj serta memberikan keberkahan bagi seluruh masyarakat.

Nilai-nilai (values)
1) Go Green
2) Fathanah (bekerja cerdas dan solutif)
3) Amanah (integritas)
4) Shiddiq (jujur dan terpercaya)
5) Tabligh (syiar kebaikan)

Akankah itu bisa tercapai?

Insya Allah, dengan keyakinan dan kebersamaan, semua akan bisa diraih

EHN Personal Thought · Indonesia · Insurance · Syariah / sharia · Takaful

The Next Wave of (Re)Takaful Industry in Indonesia

Erwin NoekmanLeave a comment

Erwin Noekman – (Re)Takaful Practitioner
@erwin_noekman
http://www.erwin-noekman.com
email@erwin-noekman.com

When in Rome, act like a Roman. The phrase would also applicable when we were in Indonesia. So called, we must have a local wisdom when do trade in Indonesia. Takaful may not be too familiar if you ask a man on the street, rather they called it “sharia insurance”. As well as, “sharia bank” which refers to Islamic bank.

With huge and potential market, Indonesia cannot be overlooked nor underestimated. As a unique market, there are several issues in Indonesia (re)takaful industry which may change the current landscape. The first to be discussed is current market structure, then environment due to regulations change, capacity, market openness and also the spin-off.

Firstly let us see the (re)takaful market in Indonesia. Prior to 2003, there were only 2 full fledge takaful operators in Indonesia. After the regulator gave permission for (re)insurance companies utilises their takaful windows, Indonesia recorded a tremendous growth in terms of numbers of players as well as contributions.

Time after time, regulators introduced laws and regulations to govern the market. One of the action where (re)takaful operators in Indonesia used to have mudharaba scheme on their aqad (insurance contract), but later, regulator only permitted the usage of wakala on insurance scheme in Indonesia.

As we can see from below table, the number of operators had grown almost triple from 18 to become 49 by the end of 2014. It shows that the market is very potential and still attractive. Even in family takaful, the top player dominated by windows from joint-ventures insurance companies. Whilst in general takaful, top player also dominated from windows of captive companies.

The gross contribution of all (re)takaful operators in Indonesia also recorded a fantastic growth over a decade. In total, there were more than ten times from the initial productions. This leads us to the conclusion that the market is still huge and potentials are there.
Over years, there were time when takaful operators faced good time and hard time. For general takaful, the year of 2012 was a golden moment when most operators benefits from leverage on down-payment system on ijarah (sharia based leasing). The figure at that time was recorded almost double at that time. At the other end, 2014 was a challenging year for top operators, where they produced smaller figure on their books. Not many operators closed their books with positive growth last year. It is believed that takaful, as compliments products of Islamic bank, were heavily affected by the shrinkage of their portfolio. Two largest Islamic banks in Indonesia were put on hold and internally consolidated rather than disbursed their funds.

It was heard, that in near future, regulator would try to re-apply this leverage system to encourage (general) takaful market share. For this, I personally see act can be treated as positive as well as negative. It certainly will boost the contribution of (general) takaful, as what happen back in 2012. On the other side, this may only be a short-time treatment. If later, the leverage to be lifted, then the contribution may decline again.

Indonesia had introduced new law with regards to (re)takaful industry. The Insurance Act No. 40 year 2014 brought huge changes in insurance industry in Indonesia, especially in (Re)takaful, which carries both challenges and opportunities. The Act itself requires derivatives, ie Rule of Financial Statutory Authority (POJK). These are now being discussed between regulator and all stakeholders.

The Act itself equalised the position of (re)takaful operators and (re)insurance companies in every article. The previous Insurance Act No.2 year 1992, had not mentioned anything about (re)takaful in any sense. Therefore, the new Act, gives assurance for any (re)takaful operators in running their business properly.

Another classic issue with regards to (re)takaful in Indonesia is capacity. They may be at least two major issues on this one. Firstly is it really lack of capacity for retakaful in Indonesia. Secondly, is the risk or the subject matter or the terms requested is neither really acceptable nor suitable for takaful operator to provide.

There have been discussions among operators to set up so called capacity building and working together as partners in setting up a consortium. Most of takaful operators agree to have this kind of co-operation rather than letting the business goes to conventional market.

In macro perspective, Indonesian insurance industry contributes negative capital outflow for the nation. It was estimated the figure in 2014 reached IDR 15 trillion, whilst back in early 2000 the figure was only IDR 200 billion. These figures were contributed from reinsurance premiums paid to overseas ones.

Related to the above, regulator plans to limit the usage of overseas reinsurance to counter the negative outflow. This plan would also apply to (re)takaful. Hypothetically, there should be small number of retakaful contribution payable to overseas retakaful. But due to, so called the scarcity of retakaful covers in domestic market, this will be another challenge for local retakaful operators to be more creative in seeing this potential. 

The above plan may contradict with the coming ASEAN Economic Community in which will take place by the end of this year. The market openness, may allow retakaful operators from neighbouring country, especially from Malaysia to tap the market. It may be good to have talents from other background to colour the market. But it would also generate another potential capital outflow for the nation.

Last but not least, the Act mandated that any (re)takaful windows must be spun-off from their parent (conventional (re)insurance). It is stipulated that by ten years time or when the total fund of tabarru consist more than half of all insurance assets. My personal opinion on this article would be on the first one rather than the latter one. Until now, none of the takaful windows in Indonesia contribute more than 10% from their consolidated balance sheet. I see this will last until the next five to ten years.

It is believed at least two takaful windows had shown their interest to spin-off in near future. If this happens, this will even bring more attractive competition in the market. On the other side, there was also thoughts from the Government to have a state-owned takaful operator, as to their plan to set up a state-owned Islamic bank in Indonesia. The more the merrier.

Well, would it be realise or not, guess this will be an interesting one to see the market dynamic and its opportunities.

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