STRUKTUR PASAR, EFISIENSI DAN KOMPETISI DIANTARA PERUSAHAAN ASURANSI UMUM DI INDONESIA

Authors

Mulawarman Awaloedin STMA Trisakti
Syahrial Sidik STMA Trisakti

DOI:

Keywords:

Struktur Pasar, Struktur Pasar Asuransi, Indeks Herfindahl-Hirschman (IHH)

Abstract

Penelitian ini bertujuan untuk mengukur struktur pasar, efisien dan kompetisi di industri asuransi Indonesia sektor asuransi umum (non-life). Menggunakan rasio konsentrasi, indeks Herfindahl-Hirschman (IHH), serta efisiensi, akan ditentukan ukuran struktur pasar asuransi umum di Indonesia, efisiensi pasar dan kompetisi diantara perusahaan-perusahaan asuransi umum itu. Data yang digunakan adalah data dari statistik Laporan Perusahaan Asuransi Indonesia yang dikeluarkan oleh Otoritas Jasa Keuangan (OJK) RI periode tahun 2017 - 2021. Hasil yang diperoleh adalah untuk perusahaan asuransi umum swasta nasional, menunjukkan bahwa struktur pasar asuransi umum swasta nasional pada rentang tahun 2017 – 2021 merupakan pasar dengan persaingan monopolistik atau pasar dengan persaingan efektif. Pada kondisi ini tidak ada pasar yang terkonsentrasi. Atau dengan kata lain tidak ada perusahaan yang memonopoli dalam strukur pasar asuransi umum swasta nasional.Jika diambil empat perusahaan teratas, menunjukkan terjadi persaingan sempurna. Juga, tidak ada perusahaan yang memonopoli dalam strukur pasar asuransi umum swasta nasional. Untuk perusahaan asuransi patungan, pada periode yang sama, struktur pasar mereka adalah pasar dengan persaingan oligopoli atau persaingan monopolistik.

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