Wednesday, December 13, 2017

Avibras AV-TM 300, Subsonic Cruise Missile at TNI Ar Army Headquarters

There is a different from the 72nd Army of Armed Forces Army in Pusdik Armed Kodiklatad, Cimahi, West Java. Among the Armed artificial display window featured on Monday (4/12/2017), there is one that attracts attention, ie visible figure of the AV-TM 300 cruise missile with white. Called attention-grabbing because its size is spelled most bongsor among rows of ASTROS (Artillery Saturation Rocket System) MK6.

Avibras AV-TM 300 (White)

                                    Avibras AV-TM 300 (White)

Another of his greatest figures (AVibras-Tactical Missile) 300 though in dummy form clearly attracts attention, let alone listed the Red and White flag on the muzzle of a cruise missile labeled "Matador" is. Suddenly the question is whether the later AV-TM 300 will also be acquired by TNI AD, if true it will certainly change the doctrine of Armed warfare, because AV-TM 300 is able to reach beyond 300 horizons.

The hope was apparently not an empty one, Brigadier General Dwi Jati Utomo as Danpussenarmed mentioned that in the future Armed Alutsista will be equipped with anti-artillery radar, UAV / Unmanned Aerial Vehicle, GPS, automatic distance measuring device (LRF / Laser Range Finder) and the inventor system of the target to speed up the search for the coordinates of the target position (INS / Inertial Navigation System).

It is expected that with the emergence of technology in Armed alutsista can realize precision attack, joint attack and the missile's role in suppressing enemy strike capabilities (missile role in suppressing enemy attack ability). From Danpussenarmed quote on site implies that later AV-TM 300 will be used by ASTROS TNI AD batteries.

For Avibras, the AV-TM 300 Matador is believed to be a solution to military strength that wants a quality cruise missile classmate Tomahawk, but with a cheaper price. But note, Matador status is still under development. The first version of the AV-TM 300 was introduced in 1999, but the new official development began in September 2011.

A series of modifications continue, including design changes that now use retractable wings and the use of materials from composite materials. This cruise missile uses rockets with solid fuel to serve flights at subsonic speeds. The base variant of the missile engine uses a TJ1000 turbojet developed by Avibras under license from Polaris.

Officially AV-TM 300 is designed Avibras for ASTROS 2020 system. This missile is accompanied by central computer combined with gyroscope laser ring which is connected with active GPS navigation, the result of this missile can continuously make corrections on the target location information.

The Brazilian Army has signed an initial order contract in November 2012. The Brazilian government has already invested US $ 100 million in development. The first shipment to the Brazilian Army was expected to be completed by 2016, but all development stages are expected to be completed by 2018. The turbojet test was conducted in 2013.

Avibras also presents this missile for the Navy version, which is to be launched from a warship labeled X-300, which cursory design fins similar to the anti-ship missile ship Exocet. Now the final stage of the missile test is being done, namely to get the certification.

So far the Army has had four types of rockets for ASTROS II MK6, ie SS-30, SS-40, SS-60, and SS-80 rockets. .

AV-TM 300 Specifications:
  • Weight: 1,140 Kg
  • Length: 5.4 meters
  • Warhead: 200 Kg
  • Engine: Polaris TJ1000 Turbojet
  • Operational range: 300 km
  • Speed: Mach 0.85
  • Guidance system: GPS / INS
  • Accuracy: less than 30 meters
  • Launch platform: Astros 2020 / Astros FN

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Sunday, December 10, 2017

It's the Secret of Javanese Women's Beauty Inviting the Woman of the World

Asian women are famous with the beauty of the skin that captivate and look nan charming hair. Can not be denied, these two physical features often make many women in other parts of the world envious to compete to get the same charm. However, not all Asian countries are considered to have a fair sex. Javanese and Balinese women made an example representing the original beauty of Indonesia.

It's the Secret of Javanese Women's Beauty Inviting the Woman of the World
Javanese Woman

The ideal facial contour, friendly smile, and tan color make many people fascinated with the physical beauty of Indonesian women. In addition, long jet black hair and decompose into added value make Indonesian women recognized as one of the most beautiful ethnic in Asia. What's the secret?
One of the main keys of Javanese women to maintain health in caring for the face is one of the essence, where the face looks natural will continue to awake its appearance. Java community not only famous for herbal medicine as a health drink, but also some ingredients that can beautify the face.
Javanese women pass on the concoction from time to time and from generation to generation.
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At least hundreds of years of the archipelago using natural ingredients. One note that can be learned is from the contents of Serat Centhini, which contains herbal concoctions and framed in 1814.

Spices and herbal ingredients turned out to have been dependable since antiquity as a way to maintain health and beauty. The most abandoned part of the record around the use of this traditional herb is the life of the palace. One of them is the jampi from the Mataram Kingdom that contains about three thousand recipes of herbs, around the 1700s.

Jamu seems to have been entrenched since the Hindu era. The proof, Madhawapura Inscription contains about the profession of peracik herbal medicine called Acaraki. Ways of making herbal medicine also appear in the wall paintings of Borobudur Temple, Prambanan, Penataran and Sukuh. The tools used to treat herbal medicine include manganese, pipisan and ulesan.

It's the Secret of Javanese Women's Beauty Inviting the Woman of the World
Javanesse Woman

For beauty care in particular, the most widely used herbs are herbs, scrubs or boreh, cold powder, tapel and pilis.

When herbal medicine is taken to treat the beauty from within, then the scrub, boreh and mangir take care of it from outside. The trick is to help lift dead skin cells that accumulate, as well as whiten and brighten the skin.

Traditional Javanese Beauty Potions

Mangir made from temu giring and turmeric pounded, made a similar paste then smeared on the skin and rubbed. While scrubs are generally made from coffee powder, avocado, yam, carrots, green tea and other ingredients.

Another with boreh, which many found made of rice or wheat. While tapel more widely used by women after childbirth. The benefit is to help the stomach skin to come back taut, healthy and fresh. Materials include key findings, betel leaf and lemon.

There is also a pilis made from a mixture of kencur and leaves of star fruit wuluh. This herb is smoothed and mixed with water then applied on the forehead. In addition to helping treat dizziness, pilis also helps remove wrinkles on the forehead and clear the view.

Meanwhile, to help calm the skin, the past air using cold powder. At once to protect the skin from the effects of sunlight, and protect the face as well. The ingredients of manufacture are rice, bengkuang juice, grass bulbs, puzzles, roses, jasmine and pandanus.

Kencur rice has been famous for its usefulness to the corners of the country. Rice kencur itself is divided into two namely as drinking herbs and scrubs.
For herbal scrub usually rice kencur will be added with mangir or turmeric. Body Scrub with kencur rice and mangir will make skin feel firmer, brighter, and smoother.Rice kencur for scrub usually sold in dry tablet form. when we will use it should be first liquefied with water.

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Besides rice kencur as powder bengkoang made from sari-sari bengkoang. This herb serves to whiten, rejuvenate, and brighten the skin. Bengkoang powder we can make your own by scraping bengkoang, then squeezed. Water bengkoang then precipitated. After settling water separated from sari bengkoang then drying bengkoang sari to dry. You can use the herb as a mask.

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Special Forces of the Indonesian Navy Army: DENJAKA (Detachment Jala Mengkara)

Indonesia has an elite force whose power will not be underestimated by the world. One of the evidence through press release of East Fleet Information Service on Thursday, May 12, 2016, special forces of Navy Denjaka (Detachment Jala Mengkara) get praise in the international world.

Together with the Russian Navy special forces, they successfully passed the joint Asean Defense Ministers Meeting-Plus Maritime Security and Counter Terrorism Exercise 2016 (ADMM-Plus MS and CT Exercise) held in Brunei Darussalam and Singapore.

Special Forces of the Indonesian Navy Army: DENJAKA (Detachment Jala Mengkara)
Denjaka in Action

This achievement is not surprising because the Denjaka forces are indeed one of Indonesia's most powerful elite forces. Even to say, Denjaka is the best elite troops in Indonesia. Here is a row of facts that led to Denjaka deserve the nickname.

Early History of Denjaka Formation

Initially, an organization called the Special Forces of the Navy On November 4, 1982, (Pasusla) was formed to meet the needs of the AL handling threats of sea aspects such as terrorism, sabotage and others. 70 people from Yontaifib and Kopaska were picked up and nurtured by the Commander of the Western Fleet and the Marine Corps Commander. KSAL itself serves as an operational controller.

Then KSAL decided to form a special unit, requested the approval of the ABRI Commander. Until finally November 13, 1984, Detachment Jala Mengkara (Denjaka) was formed.

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The Crazy Selection, Only The Very Tough Able To Pass It

Those who qualify as Denjaka warriors must have a tough body and extraordinary intelligence. How not, in Denjaka selection they are required to be able to control 3 terrain ie land, sea and air. They must be able to plunge from a height, survive in the forest and agile in the ocean. Because of the crazy selection done, it can be said that they can live even though thrown into the sea with hands and feet tied.

In the Denjaka selection, not all soldiers escaped. From hundreds or thousands maybe only dozens or even dozens that can escape. They must pass Taifib and Post qualification before proceeding, and those who fail will be returned to their union.

Eligible to Match the Strongest Elite Forces in Indonesia

In Indonesia mentioned there are 5 strong elite troops, namely Denbravo-90, Kopassus, Kopaska, Yontaifib and of course Denjaka. Among the five, the Denjaka is the strongest because one Denjaka soldier has the capability and strength equivalent to 120 ordinary TNI soldiers.

Special Forces of the Indonesian Navy Army: DENJAKA (Detachment Jala Mengkara)
Denjaka In Action

Denjaka's principal task is to deal with sabotage, terror and clandestine, a secret intelligence operation. Although part of the Navy, these purple beret soldiers can also operate in the air as well as the mainland. All Denjaka activities are confidential because they are very rarely widespread. However, there are some operations that also involve Denjaka, such as the AirAsia QZ8501 SAR operation by the end of 2014.

Together with Taifib, Kopaska and Basarnas Special Group, 53 of Denjaka's best diving people evacuated Air Asia passengers who crashed in the Karimata Strait despite extreme weather.

Last March, warships and troops Denjaka also had prepared to free 10 WNI hostage by Abu Sayyaf in Philippine waters.

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Under the command line of the Navy Marines did not make the Denjaka triumph in the ocean alone, they were also swift when needed on land and air.

With a selection that can not be considered humane, it is precisely that which makes Denjaka feasible to get the nickname as a sea ghost and the most powerful elite forces in Indonesia. Satya Wira Dharma!

STORY OF DENJACA Troop Force Elite Other State Elites

In the 2014 Multilateral Rim of The Pacific (Rimpac) 2014 which runs from 26 June to 1 August 2014 followed by 23 countries, and for Marines, is centered on Kaniohe Bay (Marine Corps Base Hawaii).

Marine Navy became Indonesia contingent. In the training, they re-incised gold ink. Two members of the Jala Mangkara Duta (Denjaka), namely Serka (Mar) Riyanto Pane and Kopda (Mar) Subiyanto received an award in the form of the tradition of Godzilla bearing warrior label.

The label of the dinosaur (Godzilla) image symbolizes toughness, strength, and strength. Labeling has become a tradition for the US Marine to conduct training for trainees who are considered to be tough during the training.

In addition, there are others who amaze the army of other countries, namely during practice, our army is running fasting. This makes them shocked, how tough the Indonesian army.
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Friday, December 8, 2017

Replace Gatot Nurmantyo, Marshal Hadi Tjahjanto Official Commander of TNI Commander After Inaugurated Jokowi. Marshal Hadi Tjahjanto officially served as TNI Commander in place of TNI Gatot Nurmantyo who retired.History noted that Hadi is the second TNI Commander who came from the Army Air Force after Marshal (Ret) Djoko Suyanto in 2006-2007 ago.

President Joko Widodo inaugurated Hadi at the State Palace of Jakarta, Friday (8/12/2017) at 17.00 WIB. In the visible location, there are Vice President Jusuf Kalla (JK), 5th President Megawati Soekarnoputri, Working Cabinet such as Home Minister Tjahjo Kumolo; Secretary of Defense Ryamizard Ryacudu; Foreign Minister Retno Marsudi; Minister of KKP Susi Pudjiastuti; Mensos Khofifah Indar Parawansa, Coordinating Minister for the Economy Luhut Binsar Pandjaitan; and other ministers.

The inauguration of TNI Commander Marshal Hadi Tjahjanto shook hands with Gatot Nurmantyo
The inauguration of TNI Commander Marshal Hadi Tjahjanto shook hands with Gatot Nurmantyo

A number of TNI leaders, including General Gatot Nurmantyo, also attended the inauguration. Police officers until National Police Chief Gen Tito Karnavian also attended the inauguration of Hadi Tjahjanto.

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The inauguration ceremony begins by singing the national anthem of Indonesia Raya. The ceremony is also at the same time as the dismissal ceremony of General Gatot Nurmantyo in a respectful manner. The oath-taking ceremony itself is done in an Islamic way.

"By Allah I swear that I am to be appointed to this position both directly and indirectly ... will uphold the oath of soldiers," said Jokowi followed by Hadi Tjahjanto, Friday (8/12/2017).

Hadi was sworn in to replace General Gatot Nurmantyo who will retire in March 2018.

After being sworn in and swearing, a number of high-ranking state officials took turns congratulating Hadi Tjahjanto. Starting from the President Joko Widodo (Jokowi), the ministers of the Cabinet of Work, members of the House of Representatives until former Commander of the TNI General Gatot Nurmantyo. On the occasion, Gatot accompanied by his wife was seen to congratulate the former Air Force Chief of Staff (KSAU) by kissing left and right cheek. Later, as people from the military, it became common to both command greetings.
Different from different dimension does not make them hesitate because it is in one umbrella of Indonesian National Army (TNI). Both generals' hands were visible to each other, and they showed themselves to the public.

Behind the greeting command, both of them throw a sweet smile in front of the media crew who certainly witnessed the public of the country.

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Substitution Gatot was originally led to the dynamics of its own, ranging from the rapid process of change because Gatot is still next year just retired. Until the mutation of 85 high-ranking officers (Pati), which led to speculation Gatot wanted to put his people before the official retirement. In the midst of the polemic, Gatot made sure that the process of mutation was done according to the procedure. In fact, he welcomed the election of Hadi Tjahjanto as his successor to lead the commander's seat.

Marshal Hadi Tjahjanto who served as Air Force Chief of Staff appointed by President Jokowi to become the sole candidate of the TNI Commander. House of Representatives Commission I had already finished the feasibility test and agreed if Hadi became commander. A number of TNI leaders, including General Gatot Nurmantyo, also attended the inauguration. Police officers until National Police Chief Gen Tito Karnavian also attended the inauguration of Hadi Tjahjanto.

The inauguration ceremony begins by singing the national anthem of Indonesia Raya. The ceremony is also at the same time as the dismissal ceremony of General Gatot Nurmantyo in a respectful manner. The oath-taking ceremony itself is done in an Islamic way.

"By Allah I swear that I am to be appointed to this position both directly and indirectly ... will uphold the oath of soldiers," said Jokowi followed by Hadi Tjahjanto, Friday (8/12/2017). Marshal Hadi Tjahjanto who served as Air Force Chief of Staff appointed by President Jokowi to become the sole candidate of the TNI Commander. House of Representatives Commission I had already finished the feasibility test and agreed if Hadi became commander.
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KOPASSUS - Indonesia's World Feared Elite Forces

Kopassus (short for Komando Pasukan Khusus/Special Forces Command), is a Special Force that carries secret missions and Intelligence operations for the Government of the Republic of Indonesia, such as; Direct action on the ground, Extraordinary War, sabotage, stamp out insurgent acts, Anti-Terrorism Handling, and Intelligence information gathering. Kopassus was formed in 1952. and immediately attracted the world's attention after successfully carrying out hostage liberation operations over the hijacking of Garuda Flight 206 aircraft. It did not take long, these Elite Forces quickly deployed their military campaigns; crushing communists in the late 1950s, military campaigns in West Papua in 1965, confrontation with Malaysia from 1962-1966, massacre of communists in 1965, Invasion of East Timor 1975, and following their military campaign, to crush separatist groups in the territory of Indonesian sovereignty.


KOPASSUS was established on April 16, 1952 and is headquartered in Cijantung, East Jakarta. These troops are rarely deployed in military operations and have not even been deployed in military operations since 1975, due to their high level of specialization. KOPASSUS has its main duties and roles in Anti-Guerrilla, special surveillance operations, unconventional warfare, intelligence, sabotage, Anti-terror. Due to its strength, the number of KOPASSUS personnel has been kept secret until now.

KOPASSUS has group development, precisely into five groups namely:
  • Group 1 / Parakomando
  • Group 2 / Parakomando
  • Group 3 / Education Center of Special Forces
  • Group 4 / Sandhi Yudha
  • Group 5 / Anti Terror
 In the case of armaments, only a few of the weapons of which the information can be known, such as sniper rips (sniper) SPR-2 made by PT. Pindad, and special weapons are produced limited and not sold to other countries. Next to the assault rifle is SS2 V5 made by Pindad, which is a refinement of Belgian SS1. Not only firearms, KOPASSUS soldiers are deliberately trained to fight without firearms (Unarmed Combat), the weapon is a knife and ax usually used to attack the enemy by throwing.

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History of the establishment of Kopassus

On April 15, 1952, Colonel Alexander Evert Kawilarang laid the foundations for the Unity Territory III / Siliwangi Territorial Command, before being renamed Kopassus. The motive for building the development of Special Forces is, experience when confronting the RMS (Republic of South Maluku) or Republic of the South Moluccas. The conspirator and supported by two companies from KST (Dutch Corps Speciale Tropen). Indonesia is very surprised and difficulty in facing the sniper capability of KST. Which time Indonesia did not have the sniper weapons. Then they plan to build a similar Force for Indonesia. However, at that time, no Indonesian Military commanders had adequate capability or high experience in special operations. Lieutenant Colonel Slamet Riyadi will no longer see his dream to form a Special Forces unit after his death in battle with RMS separatist groups.

Shortly afterwards, Colonel Kawilarang used Military Intelligence and met with Major Raff Bernardus Visser - a former member of Ducth Special Forces, after peace was established at the time of the creation of the newly independent Indonesia State of Indonesia. He settled in West Java, and married Indonesian women, and was known as Mohamad Idjon Djanbi. He was the first in recruitment for the Indonesian Special Forces. After that, the unit later became Kopassus, which was adopted by the Dutch Special Forces's Red Beret (Red Beret) similarity. In short, with the current formation of Kopassus. Many provide security support or back-up for the sovereign territory of the Republic of Indonesia until now. Kopassus operates in secret and undetected, scattered in various parts of the archipelago. They commit a series of acts of murder for the benefit of the State in the case of fighting rebel groups of the State. And perform other missions such as; the handling of Anti-Terrorism and the collection of Intelligence Information, and matters related to Indonesia's security and sovereign territory.

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Profile of Marshal Hadi Tjahjanto, Candidate of TNI Commander in Lieu of Gatot Nurmantyo.

"The victory of the Forces lies with the Elite Forces, his bravery lies in Command, his skill lies in the preparation of strategy and spirit ... and actions that harm others lies in his repeated battles." Sun Tzu in The Lost Art of War (1996 Indonesian translation) This means that, as good as any troop if continuous must be on the same battlefield, will surely lose.

 According to Sun Tzu II, even if victory is surely redeemed with a very painful loss. The key is that the generals who send soldiers to the battlefield must take into account the physical and mental fatigue that will engulf the troops. Reaching the maximum limit of human endurance, that's what it wants to pursue in commando soldier education. The soldier was forged and built very hard until he felt the pain he had never imagined. Some call it inhuman. But what treatment will be accepted if he caught the enemy will be more humane? Of course if the Soldiers are caught by the enemy and taken captive. He will be tortured harder and interrogated more cruel than ever imagined. Not only trained in the face of the enemy's torture, the Soldiers must also be able to survive long and exhausting battles. If entering Education to enter the Army alone is very difficult with a very cruel and tiring counsel, it is more difficult than going into Police Education.

 Then, of course to become Kopassus, the Soldiers were educated and nurtured in an unpopular manner and up to the maximum limit of the Soldiers' mental and physical resilience. So Kopassus graduates are graduates from selected Soldiers who are not just anyone can enter. Kopassus education is 5 times more rigorous, violent, and cruel than regular Command education. So it is said that one Kopassus soldier is the same as; 5 members of the Regular Army. That is true, because the skills and capabilities of Kopassus Soldiers above the average of the Regular Army. Thus making Kopassus a powerful and powerful Military Elite Force unit in all fields, and can be placed in any time and place for secret missions and assignments.
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KEEL LAYING SHIP BCM Navy IS DONE IN PT BATAMEC SHIPYARD Tarakan 905, one of the vessels BCM (Assisted Liquid Oil) owned by TNI AL ☆

The Navy re-builds a modern warship (KRI). This ship serves as auxiliary ship oil liquid (BCM) in Batam. They entrusted this special tanker-making project at PT Batamec Shipyard which successfully carried out its first keel laying at Tanjung Uncang on Friday (8/9) yesterday.

The company itself is one of the largest shipbuilding companies in Batam engaged in shipbuilding, ship repair and conversion that has received the ISO 9001: 2008 award for quality management system, as well as health and safety system of BS OHSAS 18001: 2007, as well as the environmental management system ISO 14001: 2004.

 KRI TARAKAN 905 is a Replenishment Oiler (Combat Logistics Ship) of the Republic of Indonesia's Navy, made in Indonesia

KRI TARAKAN 905 is a Replenishment Oiler (Combat Logistics Ship) of the Republic of Indonesia's Navy, made in Indonesia


"In addition, this is also the support and dedication of the Navy in supporting the local industry and using Alutsista products made by the country itself, and make Indonesia as a maritime axis of the world," said Mulyadi after the first keel laying (ship) BCM Navy ship in Tanjunguncang , Friday (8/9) yesterday.

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According to him, this tanker is the third vessel owned by the Navy built in Indonesia and has been using the Bureau Veritas (BV) classification agency. The new tanker comes with a length of 123.50 meters and a width of 16.50 meters with a capacity of 5500 cubic meters of oil. In the future, this ship works the same as KRI Tarakan, namely as Auxiliary Support Vessel, which refuel Indonesian Navy warships while operating in the sea.

"The plan of this ship will be operated in the task force of the western fleet region (Armabar, red), given the current, we lack the tools for this region," said Mulyadi.

The tanker will also be equipped with a Replenishment at Sea (RAS) system that allows ships to transfer fuel to other vessels while in operational and remote shipping conditions. This ability is very useful in military strategy, where time and speed are crucial in critical situations.

"That means, the ship does not have to stop or return to the base to just do the refueling. For example, we do not need to return to the base at Natuna when operating in the outer waters. This ship we need while operating in maintaining the boundaries of the Indonesian sea in the border region, "he explained.

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What is clear, added Mulyadi, this vessel will be operated task unit of auxiliary vessels (Satban) in escort and guard in the North Natuna sea. "This ship will escort our warships operating in the border waters like in the South China Sea that need special escort," he explained.

Director of PT Batamec Shipyard, Mulyono Adi said this became their first cooperation in supporting the TNI for the procurement of Alutsista by making a new ship. "This is the first one, but if maintenance or repair ship often," he said.

Mulyono said that because the vessel is used for the sake of operations, even though its status as a tanker, but also able to carry wet and dry logistics for military needs "The ship has undergone a refinement that is more aerodynamic and modern," he explained.

Meanwhile, the ship's keel laying circuit itself uses the ceremonial coin method. This method is a tradition commonly used in the early stages of ship building. The way to put a coin on the bottom of the hull of a ship that is believed to be a symbol of good luck. The laying itself was handed over by Mulyono Adi to be placed symbolically by Laksda Mulyadi as the recipient partner of the Navy.

This process of keel laying is done now after six months of running project because PT Batamec, according to Marpol / Solas regulation, follows ship building rule to reach one percent of total weight of LWT. "It is now completed eight blocks weighing 360 tons. That means the development of the ship has reached 1 percent, and already can keel laying, "said Mulyono Adi.

The construction of the BCM vessel is supervised by a task force of the Navy directly led by the marine colonel (T) Hindarto as Dansatgas.

Although the venue of the event had floods due to heavy rain, but the event remains a success. The plan, shipbuilding will be completed by the end of 2018.

The event itself was also attended by Vice President of PT Batamec Shipyard Heronimus Setiawan, Project Manager ship BCM Harsya Damar Hadityo, and Batamec employees, as well as partners and partners. While from the TNI was attended by Danlantamal 4 Tanjungpinang, First Laksmana (P) Ribut Eko Suyatno, Danlanal Batam, Colonel Laut (P) Ivong Wicaksono Wibowo, Head of Adalut Colonel Laut (T) Andi Djaswandi, and environmental officials from TNI AL Headquarters.
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Tuesday, December 5, 2017

Development of Insurance Companies in Indonesia

Over the past few years, the development of insurance in Indonesia has shown quite good progress. Insurance companies are showing growth in their businesses, which is getting more and more customers using insurance services in their lives.

Public awareness of the importance of a protection against various risks that can occur and happen to them at any time is one cause of the high number of insurance users lately. This of course becomes a distinct advantage for insurance companies that provide insurance services, where the broader the market can be processed and used as a target sales of their products.

Development of Insurance Companies in Indonesia
Development of Insurance Companies in Indonesia

In accordance with the development of the times, insurance is also experiencing rapid development and better every day. In addition to improving services to its customers, insurance companies also conduct a variety of businesses to be able to continue to expand and promote the business they run so far. One of the steps taken is to issue new and more innovative products for its customers.

Currently, insurance products are not only limited to types of life insurance and health insurance, because basically these two products are the most widely used by the public. In its development, the insurance company also issued a variety of products that can be selected and used in accordance with the needs of the customers concerned. This is so that more customers are using insurance services and more sales can be created.

There are many types of insurance products that can be selected by customers of insurance users, including: health insurance, education fund insurance, pension insurance, car insurance, property insurance, and various other types of insurance. With the number of products issued by insurance companies, there will be many options and also considerations that can be taken by customers who will use the insurance. It also creates a good aroma of competition among insurance service providers, where they will certainly compete to provide the best service in their products.


Development of Insurance in Indonesia

Based on data released by the Indonesian Financial Services Authority (OJK), it is known that the development of insurance industry in Indonesia has a significant role in supporting the national development process. This is seen from the contribution of insurance companies in cultivating long-term funds in large amounts, which are then used as funds in development undertaken by the government.

In the services provided by insurance companies, communities also receive support in the form of protection against risks and also losses that could befall them at times, especially when they are running their business. This shows how the development of insurance also has a significant role in economic growth and development that occurred lately.

A better understanding of the importance of insurance coverage is also a matter of affecting progress in the insurance business itself. When people's trust in a product has been created, it will be easier to develop and sell the product. This is what happens in the insurance business, where more and more people want a guarantee / protection against the various risks they will face in the future.

The development of the insurance industry can be seen during the last four years, precisely in 2011 to 2014, where the assets of the conventional insurance industry experienced an average growth of more than 16%. This is also evident from the average growth occurring in the value of investments and premiums which increased respectively by 14.4% and also 21.0%, as disclosed by IKNB Chief Executive Superintendent Firdaus Djaelani in the Insurance Outlook 2016 seminar at Jakarta.

The data shows the positive growth that occurred in the insurance business. While in 2015, assets and investments conventional insurance industry until the end of September showed the figure to reach Rp765, 6 trillion and Rp608, 6 trillion. If we compare it with the position that occurred until the end of 2014, the assets of the insurance industry has a growth of 1.36%, while investment decreased by 0.24%, this is due to the turmoil that occurred in some investment instruments at some time ago .

On the other hand, the growth that occurred in insurance premiums until September 2015 also experienced a quite satisfactory increase of 17.1%. When compared to growth in August 2015, this number increased by 11.9% from the same position in the previous year. The increase in premiums is contributed the most by life insurance companies, followed by social insurance premiums and general insurance premiums.


List of Insurance Companies in Indonesia

Like other industries, the insurance industry in Indonesia also has a number of rules as well as legislation issued by the government. This is done to protect all rights and also the obligations of the wider community who will act as consumers in an insurance service. The government has a variety of regulations that regulate everything that concerns the insurance industry.

The number of companies engaged in the insurance business shows the high opportunities that exist in the business. But it also has a good enough effect for the wider community, where they end up with a lot of options and can get the most suitable insurance services for their individual needs. Broadly speaking, insurance in Indonesia can be divided into 2 types, namely:


1. Conventional Insurance

Conventional insurance is run by applying various modern business policies in it, it is related to the calculation and also various lines of business run by the company. In general, this type of insurance is the most widely used by the public, because basically conventional insurance is the type of insurance that was first introduced to the public.

That way, it can be ascertained if the number of insurance companies that run businesses in conventional types of insurance will be much more when compared with the number of insurance companies that have sharia principles.

Based on data released as of December 31, 2015, it is known that the list of General Insurance Companies, Life Insurance, Reinsurance, Compulsory Insurance and Social Insurance are as follows:
  1. General Insurance as many as 76 companies
  2. Life Insurance as many as 50 companies
  3. Reinsurance of 6 companies
  4. Mandatory Insurance of 3 companies
  5. Social Insurance as much as 2 companies

2. Sharia Insurance

Sharia insurance is an insurance company service that is run by using sharia principles, where in all calculations and also various fees charged in it will be done by following the principles based on sharia rules.

All rules and policies in the Takaful shall be stipulated in accordance with the decision taken by the Sharia Council of Indonesia, in which it is done to guarantee the halal as well as the feasibility of various matters carried out within the insurance company in accordance with the teachings of Islam. Takaful is run on the principle of profit sharing, which will be applied in accordance with the syariah.

Within Takaful, risk is not transferred to the insurer, but will be shared equally among the insurance customers. The development of sharia insurance in Indonesia shows the number increase from year to year, until December 31, 2015 lists of General Insurance Companies, Life Insurance and Reinsurance with the principles of sharia are as follows:
  1. General Insurance of sharia business unit as many as 25 companies
  2. Sharia full general insurance as many as 3 companies
  3. Asuransi Jiwa Syariah Business Unit as many as 19 Companies
  4. Full Sharia Life Insurance as many as 5 companies
  5. Reinsurance of Sharia Business Unit as many as 3 companies
  6. Insurance Provides Security and Convenience

The data above shows how insurance growth in Indonesia should be appreciated, as this will affect both the development financing sector and also the protection services sectors that the general public enjoys in running their businesses. Do not hesitate to use the insurance in accordance with your needs because the insurance provides security and comfort in undergoing all activities.
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