# Kantor Konsultan Aktuaria Azwir Arifin dan Rekan

>  Konsultan Aktuaria PSAK 219 | Dana Pensiun | Asuransi | Jakarta


## Posts

- [WEBINAR: Dari Dermaga ke Ruang Audit: PSAK 219, Tiket Masuk Pembiayaan & Go Public #3](https://azwiraktuaria.co.id/wb3/): Pelabuhan Anda sibuk 24 jam. Kapal datang, kargo bergerak, pendapatan berjalan.
- [Studi Kasus: Menyiapkan Perusahaan Menghadapi Pemeriksaan Aktuaria OJK](https://azwiraktuaria.co.id/studi-kasus-menyiapkan-perusahaan-menghadapi-pemeriksaan-aktuaria-ojk/): Pemeriksaan aktuaria oleh OJK bisa menjadi momen yang menegangkan bagi perusahaan asuransi, terutama yang belum pernah mengalaminya.
- [Panduan Compliance Aktuaria bagi Perusahaan Multifinance di Indonesia](https://azwiraktuaria.co.id/panduan-compliance-aktuaria-bagi-perusahaan-multifinance-di-indonesia/): Perusahaan multifinance atau pembiayaan di Indonesia — mulai dari pembiayaan kendaraan, alat berat, hingga pembiayaan konsumen — memiliki sejumlah kewajiban terkait aktuaria dan manajemen risiko yang diawasi OJK, meski sering kali kurang mendapat perhatian dibanding sektor perbankan atau asuransi.
- [Mengenal Appointed Actuary dan Perannya dalam Perusahaan Asuransi](https://azwiraktuaria.co.id/mengenal-appointed-actuary-dan-perannya-dalam-perusahaan-asuransi/): Bagi Anda yang baru mengenal industri asuransi, istilah Appointed Actuary mungkin terdengar formal dan teknis.
- [Studi Kasus: Audit Aktuaria untuk Kepatuhan Laporan Keuangan Tahunan](https://azwiraktuaria.co.id/studi-kasus-audit-aktuaria-untuk-kepatuhan-laporan-keuangan-tahunan/): PT Gomu Gomu No, perusahaan kontraktor dengan sekitar 800 karyawan tetap dan ratusan pekerja proyek, perlu menyertakan kewajiban imbalan kerja dalam laporan keuangan tahunan yang akan diaudit oleh Kantor Akuntan Publik (KAP).
- [Laporan Aktuaris Independen: Kapan dan Kenapa Perusahaan Membutuhkannya?](https://azwiraktuaria.co.id/laporan-aktuaris-independen-kapan-dan-kenapa-perusahaan-membutuhkannya/): Banyak perusahaan di Indonesia baru menyadari pentingnya laporan aktuaris independen ketika sudah didesak kebutuhan mendesak — misalnya menjelang audit tahunan, saat auditor eksternal meminta bukti dukung kewajiban imbalan kerja.
- [Risk Based Capital (RBC): Indikator Kesehatan Keuangan Perusahaan Asuransi](https://azwiraktuaria.co.id/risk-based-capital-rbc-indikator-kesehatan-keuangan-perusahaan-asuransi/): Jika Anda pernah melihat laporan tahunan perusahaan asuransi, kemungkinan besar Anda akan menemukan istilah Risk Based Capital atau RBC.
- [Peran OJK dalam Mengatur Standar Aktuaria Industri Asuransi Indonesia](https://azwiraktuaria.co.id/peran-ojk-dalam-mengatur-standar-aktuaria-industri-asuransi-indonesia/): Otoritas Jasa Keuangan (OJK) memegang peran sentral dalam mengawasi praktik aktuaria di industri asuransi dan dana pensiun Indonesia.
- [Studi Kasus: Transisi dari PSAK 62 ke PSAK 74 pada Perusahaan Asuransi Menengah](https://azwiraktuaria.co.id/studi-kasus-transisi-dari-psak-62-ke-psak-74-pada-perusahaan-asuransi-menengah/): Transisi dari PSAK 62 ke PSAK 74 bukan sekadar mengganti rumus di spreadsheet — ini adalah proyek besar yang melibatkan tim aktuaria, finance, IT, dan auditor selama berbulan-bulan.
- [PSAK 219 vs PSAK 24: Mana yang Berlaku untuk Perusahaan Anda?](https://azwiraktuaria.co.id/psak-219-vs-psak-24-mana-yang-berlaku-untuk-perusahaan-anda/): Banyak tim HR dan finance yang bingung ketika mendengar dua istilah yang terdengar mirip: PSAK 24 dan PSAK 219, keduanya berkaitan dengan pencatatan imbalan kerja karyawan.
- [PSAK 71: Dampaknya terhadap Pencadangan Kerugian Kredit di Lembaga Keuangan](https://azwiraktuaria.co.id/psak-71-dampaknya-terhadap-pencadangan-kerugian-kredit-di-lembaga-keuangan/): Bagi lembaga keuangan seperti bank, multifinance, dan koperasi simpan pinjam, PSAK 71 membawa perubahan besar dalam cara menghitung cadangan kerugian atas piutang atau kredit yang disalurkan.
- [PSAK 74: Panduan Lengkap Kontrak Asuransi untuk Praktisi Keuangan](https://azwiraktuaria.co.id/psak-74-panduan-lengkap-kontrak-asuransi-untuk-praktisi-keuangan/): PSAK 74 adalah standar akuntansi Indonesia yang mengadopsi kerangka IFRS 17, dirancang untuk mengubah cara perusahaan asuransi mencatat dan melaporkan kontrak asuransi di laporan keuangan.
- [Stress Testing: Bagaimana Jika Kondisi Terburuk Benar-Benar Terjadi?](https://azwiraktuaria.co.id/stress-testing-bagaimana-jika-kondisi-terburuk-benar-benar-terjadi/): Perusahaan sering membuat rencana berdasarkan kondisi normal. Tetapi bagaimana jika kondisi berubah drastis?
- [Climate Risk dan Aktuaria: Ketika Perubahan Iklim Menjadi Risiko Finansial](https://azwiraktuaria.co.id/climate-risk-dan-aktuaria-ketika-perubahan-iklim-menjadi-risiko-finansial/): Perubahan iklim semakin menjadi perhatian dunia bisnis.
- [Employee Benefits PSAK 219 : Apakah Perusahaan Sudah Menghitung “Harga” dari Kesejahteraan Karyawan?](https://azwiraktuaria.co.id/employee-benefits-psak-219-apakah-perusahaan-sudah-menghitung-harga-dari-kesejahteraan-karyawan/): Kesejahteraan karyawan merupakan bagian penting dari strategi perusahaan.
- [Mengapa Perusahaan Perlu Melakukan Valuasi Aktuaria Secara Berkala?](https://azwiraktuaria.co.id/mengapa-perusahaan-perlu-melakukan-valuasi-aktuaria-secara-berkala/): Valuasi aktuaria bukan sekadar kewajiban administratif. Hasilnya dapat memberikan gambaran penting mengenai kondisi dan kewajiban finansial perusahaan.
- [Aktuaria Modern: Bukan Sekadar Menghitung, tetapi Membaca Masa Depan](https://azwiraktuaria.co.id/aktuaria-modern-bukan-sekadar-menghitung-tetapi-membaca-masa-depan/): Ketika dunia bisnis berubah semakin cepat, perusahaan tidak hanya membutuhkan angka.
- [Daftar Pengungkapan (Disclosure) yang Diwajibkan oleh PSAK 219](https://azwiraktuaria.co.id/daftar-pengungkapan-disclosure-yang-diwajibkan-oleh-psak-219/): Perusahaan sering kali telah melakukan perhitungan kewajiban imbalan kerja dengan benar, tetapi masih menghadapi pertanyaan dari auditor ketika proses audit berlangsung.
- [Pengakuan Biaya Jasa Kini dan Biaya Bunga dalam Komponen Laba Rugi](https://azwiraktuaria.co.id/pengakuan-biaya-jasa-kini-dan-biaya-bunga-dalam-komponen-laba-rugi/): Perusahaan sering kali berfokus pada besarnya liabilitas imbalan kerja yang tercatat di laporan posisi keuangan.
- [Asumsi Kenaikan Gaji dan Dampak Signifikannya pada Valuasi Imbalan Kerja](https://azwiraktuaria.co.id/asumsi-kenaikan-gaji-dan-dampak-signifikannya-pada-valuasi-imbalan-kerja/): Banyak perusahaan berfokus pada tingkat diskonto ketika membahas valuasi imbalan kerja, tetapi justru mengabaikan satu asumsi lain yang sering memberikan dampak besar terhadap hasil perhitungan, yaitu asumsi kenaikan gaji.
- [Kesalahan Umum HR dan Keuangan dalam Menyediakan Data untuk PSAK 219](https://azwiraktuaria.co.id/kesalahan-umum-hr-dan-keuangan-dalam-menyediakan-data-untuk-psak-219/): Menjelang proses tutup buku atau audit, banyak perusahaan baru menyadari bahwa data yang dibutuhkan untuk perhitungan imbalan kerja ternyata belum lengkap.
- [Sensitivitas Asumsi Aktuaria terhadap Perubahan Laporan Keuangan PSAK 219](https://azwiraktuaria.co.id/sensitivitas-asumsi-aktuaria-terhadap-perubahan-laporan-keuangan-psak-219/): Perubahan kecil pada asumsi aktuaria sering kali menghasilkan perubahan yang signifikan pada laporan keuangan perusahaan.
- [Asumsi Demografi vs Asumsi Finansial: Apa Pengaruhnya pada Valuasi?](https://azwiraktuaria.co.id/asumsi-demografi-vs-asumsi-finansial/): Perhitungan kewajiban imbalan kerja sering kali dipandang sebagai proses yang hanya bergantung pada rumus atau perangkat lunak aktuaria.
- [Strategi Menentukan Tingkat Diskonto untuk Kewajiban PSAK 219](https://azwiraktuaria.co.id/strategi-menentukan-tingkat-diskonto-untuk-kewajiban-psak-219/): Banyak perusahaan menganggap tingkat diskonto hanyalah salah satu asumsi dalam perhitungan imbalan kerja.
- [Cara Kerja Metode Projected Unit Credit (PUC) pada PSAK 219](https://azwiraktuaria.co.id/cara-kerja-metode-projected-unit-credit-puc-pada-psak-219/): Banyak perusahaan baru menyadari pentingnya metode Projected Unit Credit (PUC) ketika proses audit sedang berlangsung atau saat nilai liabilitas imbalan kerja berubah cukup signifikan.
- [Memahami Asumsi Aktuaria dalam Valuasi Imbalan Kerja PSAK 219](https://azwiraktuaria.co.id/memahami-asumsi-aktuaria-dalam-valuasi-imbalan-kerja-psak-219/): Banyak perusahaan baru menyadari pentingnya asumsi aktuaria ketika hasil valuasi imbalan kerja berubah cukup signifikan dibandingkan tahun sebelumnya.
- [Peran Kritis Aktuaris dalam Menghitung Kewajiban PSAK 219](https://azwiraktuaria.co.id/peran-kritis-aktuaris-dalam-menghitung-kewajiban-psak-219/): Banyak perusahaan baru menyadari pentingnya perhitungan kewajiban imbalan kerja ketika proses audit tahunan dimulai.
- [Hubungan Antara UU Cipta Kerja dan Penerapan PSAK 219](https://azwiraktuaria.co.id/hubungan-antara-uu-cipta-kerja-dan-penerapan-psak-219/): Perubahan regulasi ketenagakerjaan sering kali dipahami hanya sebagai urusan HR atau bagian legal.
- [Daftar Istilah Kunci dalam PSAK 219 yang Wajib Dipahami HR dan Akuntan](https://azwiraktuaria.co.id/daftar-istilah-kunci-dalam-psak-219-yang-wajib-dipahami-hr-dan-akuntan/): Banyak perusahaan baru menyadari pentingnya memahami istilah dalam PSAK 219 ketika proses audit sudah berjalan atau saat laporan aktuaria diminta oleh auditor.
- [Kapan Perusahaan Harus Mulai Melakukan Penilaian PSAK 219?](https://azwiraktuaria.co.id/kapan-perusahaan-harus-mulai-melakukan-penilaian-psak-219/): Banyak perusahaan baru menyadari pentingnya penilaian imbalan kerja ketika proses audit tahunan sudah berjalan.
- [Imbalan Jangka Pendek vs Jangka Panjang Menurut PSAK 219](https://azwiraktuaria.co.id/imbalan-jangka-pendek-vs-jangka-panjang-menurut-psak-219/): Perusahaan sering kali lebih fokus pada besarnya biaya kompensasi karyawan dibandingkan cara mengklasifikasikan imbalan kerja tersebut.
- [Konsep Imbalan Pascakerja: Pengertian dan Cara Kerjanya di PSAK 219](https://azwiraktuaria.co.id/konsep-imbalan-pascakerja-pengertian-dan-cara-kerjanya-di-psak-219/): Banyak perusahaan baru menyadari besarnya kewajiban imbalan pascakerja ketika proses audit laporan keuangan sedang berlangsung.
- [Mengapa Perusahaan Skala Menengah Wajib Memahami PSAK 219?](https://azwiraktuaria.co.id/mengapa-perusahaan-skala-menengah-wajib-memahami-psak-219/): Banyak perusahaan skala menengah beranggapan bahwa standar akuntansi mengenai imbalan kerja hanya menjadi perhatian perusahaan besar dengan ribuan karyawan.
- [Mengenal 4 Klasifikasi Imbalan Kerja dalam Kerangka PSAK 219](https://azwiraktuaria.co.id/mengenal-4-klasifikasi-imbalan-kerja-dalam-kerangka-psak-219/): Perusahaan sering kali berfokus pada pengelolaan biaya operasional, investasi, atau pertumbuhan bisnis, tetapi kurang memperhatikan kewajiban imbalan kerja yang terus berkembang seiring bertambahnya masa kerja karyawan.
- [Perbedaan Utama PSAK 219 dengan Standar Akuntansi Sebelumnya](https://azwiraktuaria.co.id/perbedaan-utama-psak-219-dengan-standar-akuntansi-sebelumnya-2/): Perusahaan yang selama ini terbiasa menggunakan referensi PSAK 24 sering kali menganggap perubahan ke PSAK 219 hanya sebatas pergantian nomor standar.
- [Ruang Lingkup dan Definisi Imbalan Kerja Berdasarkan PSAK 219](https://azwiraktuaria.co.id/ruang-lingkup-dan-definisi-imbalan-kerja-berdasarkan-psak-219-2/): Perusahaan sering kali menganggap imbalan kerja hanya sebatas gaji, bonus, atau pesangon.
- [Perbedaan Utama PSAK 219 dengan Standar Akuntansi Sebelumnya](https://azwiraktuaria.co.id/perbedaan-utama-psak-219-dengan-standar-akuntansi-sebelumnya/): Perubahan standar akuntansi sering dianggap hanya sebagai perubahan nomor atau istilah.
- [Ruang Lingkup dan Definisi Imbalan Kerja Berdasarkan PSAK 219](https://azwiraktuaria.co.id/ruang-lingkup-dan-definisi-imbalan-kerja-berdasarkan-psak-219/): Banyak perusahaan baru menyadari pentingnya imbalan kerja ketika proses audit tahunan dimulai.
- [Panduan Lengkap Memahami PSAK 219 tentang Imbalan Kerja](https://azwiraktuaria.co.id/panduan-lengkap-memahami-psak-219-tentang-imbalan-kerja/): Perubahan standar akuntansi sering kali dianggap hanya berdampak pada tim keuangan.
- [Pengaruh Gender terhadap Perhitungan Pensiun Karyawan](https://azwiraktuaria.co.id/pengaruh-gender-terhadap-perhitungan-pensiun-karyawan/): Perusahaan sering kali lebih fokus pada pembayaran manfaat pensiun saat karyawan memasuki masa pensiun.
- [Peran Konsultan Aktuaria dalam Membantu Perusahaan Menuju Bursa Efek Indonesia](https://azwiraktuaria.co.id/peran-konsultan-aktuaria-dalam-persiapan-ipo-perusahaan/): Membawa perusahaan melantai di Bursa Efek Indonesia (BEI) merupakan salah satu langkah strategis untuk memperoleh pendanaan, meningkatkan kredibilitas, dan memperluas peluang pertumbuhan bisnis.
- [Peran Konsultan Aktuaria dalam Due Diligence Imbalan Kerja Sebelum Merger dan Akuisisi](https://azwiraktuaria.co.id/peran-konsultan-aktuaria-dalam-due-diligence-imbalan-kerja/): Merger dan akuisisi sering menjadi strategi perusahaan untuk mempercepat pertumbuhan bisnis.
- [Mengapa Banyak Perusahaan Beralih ke Program Pensiun Iuran Pasti?](https://azwiraktuaria.co.id/mengapa-perusahaan-beralih-ke-program-pensiun-iuran-pasti/): Bagi banyak pemilik perusahaan dan praktisi HR, salah satu momen yang sering menimbulkan pertanyaan adalah ketika laporan aktuaria tahunan menunjukkan kewajiban imbalan kerja yang terus meningkat.
- [Biaya Jasa Lalu: Ketika Peningkatan Manfaat Karyawan Berdampak pada Laporan Keuangan Perusahaan](https://azwiraktuaria.co.id/biaya-jasa-lalu-imbalan-kerja-konsultan-aktuaria/): Peningkatan manfaat pensiun atau pesangon sering dianggap sebagai langkah positif untuk meningkatkan kesejahteraan karyawan.
- [WEBINAR: Dealing with Quarter-Life Crisis](https://azwiraktuaria.co.id/wb2/): Apakah fenomena Quarter-Life Crisis (QLC) di tempat kerja sedang membayangi produktivitas tim Anda?
- [Curtailment vs Settlement: Memahami Perbedaannya dan Dampaknya bagi Perusahaan](https://azwiraktuaria.co.id/curtailment-vs-settlement-dalam-imbalan-kerja/): Perusahaan yang sedang melakukan restrukturisasi, program pensiun dini, penutupan unit usaha, atau perubahan besar dalam kebijakan ketenagakerjaan sering menghadapi pertanyaan yang sama: bagaimana dampaknya terhadap kewajiban imbalan kerja dan laporan keuangan?
- [Mengapa Biaya Jasa Kini Bisa Naik Tajam Meski Jumlah Karyawan Tidak Banyak Berubah?](https://azwiraktuaria.co.id/mengapa-biaya-jasa-kini-bisa-naik-tajam/): Banyak perusahaan merasa terkejut ketika menerima hasil valuasi aktuaria tahunan.
- [Dampak Projected Unit Credit Method terhadap Kewajiban Imbalan Kerja Perusahaan](https://azwiraktuaria.co.id/dampak-projected-unit-credit-method/): Banyak perusahaan baru mulai memperhatikan perhitungan aktuaria ketika angka kewajiban imbalan kerja dalam laporan keuangan meningkat dari tahun ke tahun.
- [Actuarial Services dan Legal Compliance: Mengapa Kepatuhan Hukum Membutuhkan Pendekatan Aktuaria](https://azwiraktuaria.co.id/actuarial-services-dan-legal-compliance/): Banyak perusahaan merasa sudah berada di posisi yang aman karena laporan keuangan tersusun rapi dan proses audit berjalan tanpa kendala.
- [Jasa Aktuaria sebagai Pendukung PSAK 219: Mengapa Perusahaan Membutuhkan Pendekatan yang Tepat?](https://azwiraktuaria.co.id/jasa-aktuaria-sebagai-support-psak-219/): Banyak perusahaan baru menyadari pentingnya PSAK 219 ketika angka kewajiban imbalan kerja dalam laporan keuangan mulai meningkat, auditor meminta penjelasan tambahan, atau manajemen kesulitan memahami penyebab perubahan kewajiban dari tahun ke tahun.
- [DPLK Mengurangi Liabilitas Perusahaan: Fakta atau Mitos?](https://azwiraktuaria.co.id/dplk-mengurangi-liabilitas-perusahaan-fakta-atau-mitos/): Banyak perusahaan merasa lebih tenang setelah mengikuti program Dana Pensiun Lembaga Keuangan (DPLK).
- [PSAK 219 dan Imbalan Pasca Kerja: Mengapa Perusahaan Perlu Memahami Kewajiban Jangka Panjangnya](https://azwiraktuaria.co.id/psak-219-imbalan-pasca-kerja/): Banyak perusahaan baru benar-benar menyadari besarnya kewajiban imbalan pasca kerja ketika laporan keuangan mulai menunjukkan angka yang signifikan.
- [Hedging Liabilitas Imbalan Kerja dari Risiko Inflasi: Mengapa Perusahaan Perlu Memperhatikannya](https://azwiraktuaria.co.id/hedging-liabilitas-imbalan-kerja-risiko-inflasi/): Inflasi sering kali dianggap sebagai tantangan ekonomi yang memengaruhi biaya operasional sehari-hari.
- [Breakdown Beban Imbalan Kerja di Laporan Laba Rugi: Mengapa Laba Perusahaan Bisa Terlihat Lebih Kecil?](https://azwiraktuaria.co.id/breakdown-beban-imbalan-kerja-laporan-laba-rugi/): Banyak perusahaan mengalami situasi yang cukup membingungkan saat menyusun laporan keuangan tahunan.
- [Memahami Maturity Profile Imbalan Kerja: Mengapa Perusahaan Perlu Memperhatikan Jadwal Pembayaran Kewajiban Karyawan](https://azwiraktuaria.co.id/maturity-profile-imbalan-kerja/): Banyak perusahaan rutin melakukan perhitungan imbalan kerja setiap tahun untuk kebutuhan audit dan pelaporan keuangan.
- [Mengupas Tantangan PSAK 219: Hal yang Masih Sering Terlewat dalam Perhitungan Imbalan Kerja pada 2026](https://azwiraktuaria.co.id/tantangan-psak-219-yang-sering-terlewat-dalam-perhitungan-imbalan-kerja/): Perusahaan sering kali fokus pada operasional, pertumbuhan bisnis, dan target keuangan tahunan.
- [Pengaruh Pergerakan Suku Bunga terhadap Liabilitas PSAK 219: Mengapa Perusahaan Perlu Memahaminya?](https://azwiraktuaria.co.id/pengaruh-suku-bunga-terhadap-liabilitas-psak-219/): Banyak perusahaan terkejut ketika nilai kewajiban imbalan kerja dalam laporan keuangan berubah cukup signifikan dari satu periode ke periode berikutnya, padahal jumlah karyawan relatif stabil dan tidak ada perubahan besar dalam kebijakan SDM.
- [Menjaga Aset Pribadi di Tengah Tekanan Ganda Global & Domestik](https://azwiraktuaria.co.id/menjaga-aset-pribadi-di-tengah-tekanan-ganda-global-domestik/): Melihat kondisi saat ini , situasi pasar keuangan kita sedang mengalami tekanan berat yang saling mengunci.
- [Biaya Jasa Kini dalam Perhitungan Imbalan Kerja: Mengapa Kewajiban Perusahaan Terus Bertambah?](https://azwiraktuaria.co.id/biaya-jasa-kini-dalam-perhitungan-imbalan-kerja/): Banyak perusahaan terkejut ketika melihat kewajiban imbalan kerja dalam laporan keuangan terus meningkat dari tahun ke tahun, padahal jumlah karyawan relatif stabil.
- [Pengaruh Kepatuhan Hukum terhadap Perhitungan Imbalan Kerja Perusahaan](https://azwiraktuaria.co.id/pengaruh-kepatuhan-hukum-terhadap-perhitungan-imbalan-kerja/): Banyak perusahaan baru menyadari pentingnya perhitungan imbalan kerja ketika memasuki proses audit, pengajuan pinjaman bank, due diligence investor, atau menghadapi sengketa ketenagakerjaan.
- [PSAK 219 Imbalan Kerja: Mengapa Perusahaan Tidak Bisa Lagi Mengabaikannya?](https://azwiraktuaria.co.id/mengapa-psak-219-imbalan-kerja-penting-bagi-perusahaan/): Tidak sedikit perusahaan yang baru tersadar akan besarnya kewajiban imbalan kerja justru di momen yang kurang tepat — saat menghadapi gelombang pensiun, restrukturisasi organisasi, atau ketika auditor mulai meminta penjelasan.
- [Webinar : Agile Ways of Working](https://azwiraktuaria.co.id/wb1/): Di tengah tekanan transformasi bisnis 2026, peran HR tidak bisa lagi sekadar administratif.
- [Logika Aktuaria Dalam  Permainan Golf : Strokes Gained & Risk Mitigation](https://azwiraktuaria.co.id/logika-aktuaria-dalam-permainan-golf-strokes-gained-risk-mitigation/): Apakah golf adalah permainan fisik atau permainan probabilitas?
- [Tren Tingkat Bunga Acuan & Dampaknya pada Valuasi Imbalan Kerja 2026](https://azwiraktuaria.co.id/tren-tingkat-bunga-acuan-dampaknya-pada-valuasi-imbalan-kerja-2026/): Memasuki tahun 2026, tren tingkat bunga acuan menjadi salah satu faktor utama yang mempengaruhi perhitungan kewajiban imbalan kerja.
- [Mid-Year Review: 5 Indikator Kewajiban Aktuaria yang Harus Dievaluasi di Pertengahan 2026](https://azwiraktuaria.co.id/mid-year-review-5-indikator-kewajiban-aktuaria-yang-harus-dievaluasi-di-pertengahan-2026/): Memasuki pertengahan tahun 2026, perusahaan perlu melakukan mid-year review terhadap kewajiban aktuaria untuk memastikan kondisi keuangan tetap sehat dan sesuai regulasi.
- [5 Kesalahan Umum dalam Laporan Aktuaria yang Sering Ditemukan Auditor](https://azwiraktuaria.co.id/5-kesalahan-umum-dalam-laporan-aktuaria-yang-sering-ditemukan-auditor/): Dalam proses audit aktuaria, ketelitian dan konsistensi menjadi faktor krusial.
- [Sri Mulyani Ingatkan Ancaman yang Dihadapi Profesi Aktuaris](https://azwiraktuaria.co.id/sri-mulyani-ingatkan-ancaman-yang-dihadapi-profesi-aktuaris-artikel-ini-telah-tayang-di-kompas-com-dengan-judul-sri-mulyani-ingatkan-ancaman-yang-dihadapi-profesi-aktuaris/): JAKARTA, KOMPAS.com - Menteri Keuangan Sri Mulyani memberikan "lampu kuning" untuk para aktuaris, yang merupakan salah satu profesi di bidang keuangan.
- [Seminar KEIN Mengelola Potensi Ekonomi Indonesia 2018](https://azwiraktuaria.co.id/seminar-kein-mengelola-potensi-ekonomi-indonesia-2018/): Berikut adalah Presentasi dari Kementerian Koordinator Bidang perekonomian Republik Indonesia yang disampakian dalam seminar KEIN pada tanggal 17 Januari 2018, yang menjelaskan tentang : Ekonomi Indonesia, Outlook Ekonomi Indonesia & Kebijakan Ekonomi Indonesia.
- [UGM Siap Buka Prodi S1 Ilmu Aktuaria](https://azwiraktuaria.co.id/ugm-siap-buka-prodi-s1-ilmu-aktuaria/): REPUBLIKA.CO.ID, SLEMAN -- Universitas Gadjah Mada (UGM) siap membuka program studi baru yaitu S1 Ilmu Aktuaria.
- [Industri Asuransi Nasional Tumbuh Tapi Sangat Kekurangan Aktuaris](https://azwiraktuaria.co.id/industri-asuransi-nasional-tumbuh-tapi-sangat-kekurangan-aktuaris/): TEMPO.CO, Yogyakarta - Ketua Persatuan Aktuaris Indonesia atau PAI, Rianto Ahmadi Djojosugito, menyebutkan industri asuransi nasional terus tumbuh.
- [Dorong Investasi Asing, DPB2 OJK Gelar Seminar Prospek dan Peluang Investasi](https://azwiraktuaria.co.id/dorong-investasi-asing-dpb2-ojk-gelar-seminar-prospek-dan-peluang-investasi/): Departemen Pengawasan Bank 2 Otoritas Jasa Keuangan (OJK) akan menyelenggarakan seminar bertajuk Prospek dan Peluang Investasi di Indonesia bagi Kantor Perwakilan (KPw) Bank Asing di Menara Radius Prawira Lantai 25, Kompleks Perkantoran BI, Jakarta, Rabu (6/12).
- [Begini Keuangan Anda Seharusnya Ketika Usia 40 Tahun](https://azwiraktuaria.co.id/begini-keuangan-anda-seharusnya-ketika-usia-40-tahun/): Jakarta - Dalam tulisan-tulisan sebelumnya sudah dibahas bagaimana kondisi keuangan yang baik bagi anda yang berusia di 20 tahunan dan 30 tahunan.
- [Ini Pengeluaran Rumah Tangga yang Bisa Dihemat](https://azwiraktuaria.co.id/ini-pengeluaran-rumah-tangga-yang-bisa-dihemat/): Jakarta - Apakah anda sudah mulai rutin mencatat pengeluaran anda setiap bulan?
- [Celengan Lebih Tepat bagi Penabung Pemula](https://azwiraktuaria.co.id/celengan-lebih-tepat-bagi-penabung-pemula/): Jakarta - Sejak saat masih kecil kita sering diajarkan, baik oleh orang tua kita maupun oleh guru, untuk rajin menabung demi masa depan.

## Pages

- [Kontak](https://azwiraktuaria.co.id/kontak/)
- [Jasa Lainnya](https://azwiraktuaria.co.id/jasa-aktuaria/jasa-lainnya/): [vc_row type="full_width_background" full_screen_row_position="middle" column_margin="none" equal_height="yes" content_placement="middle" column_direction="default" column_direction_tablet="default" column_direction_phone="default" bg_color="#898988" scene_position="center" top_padding="5%" constrain_group_1="yes" bottom_padding="5%" top_padding_tablet="8%" constrain_group_3="yes" bottom_padding_tablet="8%" top_padding_phone="7%" constrain_group_5="yes" bottom_padding_phone="7%" text_color="light" text_align="left" row_border_radius="none" row_border_radius_applies="bg" row_position_desktop="default" row_position_tablet="inherit" row_position_phone="inherit" overflow="visible" overlay_strength="0.3" gradient_direction="left_to_right" shape_divider_position="bottom" bg_image_animation="none" gradient_type="default" shape_type=""][vc_column right_padding_desktop="5%" right_padding_phone="0" 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text_color="#E0DEDB" text="Jasa Aktuaria" margin_bottom="10"][nectar_responsive_text inherited_font_style="default" font_size_max="50px" font_size_desktop="2vw" font_line_height="1.2" font_size_phone="6vw" font_size_tablet="4vw" text_direction="default"][/nectar_responsive_text][divider line_type="No Line" custom_height="20"][nectar_responsive_text inherited_font_style="default" font_size_min="16px" font_size_max="20px" font_size_desktop="1.1vw" font_line_height="1.6" text_direction="default"]Selain layanan utama di bidang jasa aktuaria, kami juga menyediakan berbagai layanan pendukung yang dirancang untuk membantu perusahaan dalam menghadapi perubahan kebijakan, memenuhi kewajiban regulasi, serta meningkatkan pemahaman organisasi terhadap aspek aktuaria dan pengelolaan risiko keuangan jangka panjang.[/nectar_responsive_text][/vc_column_inner][/vc_row_inner][vc_row_inner column_margin="default" column_direction="default" column_direction_tablet="default" 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tablet_width_inherit="default" animation_type="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid" gradient_type="default" column_padding_type="default"][nectar_cta btn_style="text-reveal-wave" heading_tag="span" border_radius="100" link_type="regular" button_color="extra-color-1" text_color="#ffffff" button_border_thickness="0px" alignment="left" alignment_tablet="default" alignment_phone="default" constrain_group_3="yes" constrain_group_4="yes" display="inline" display_tablet="inherit" display_phone="inherit" icon_family="none" icon_alignment="left" link_text="Konsultasi Sekarang" padding_top="0.65em" padding_bottom="0.65em" padding_left="1.5em" padding_right="1.5em" margin_right="0.8em" font_size_desktop="1em" font_size_tablet="14" url="https://wa.me/6281350009119?text=Halo%2C+saya+butuh+informasi+dan+penawaran+mengenai+jasa+aktuaria+di+azwiraktuaria.co.id"][nectar_cta btn_style="underline" underline_visibility="default" heading_tag="span" link_type="regular" button_color="default" button_border_thickness="0px" alignment="left" alignment_tablet="default" alignment_phone="default" constrain_group_3="yes" display="inline" display_tablet="inherit" display_phone="inherit" icon_family="none" icon_alignment="left" link_text="Selengkapnya" padding_top="0.65em" padding_bottom="0.65em" font_size_desktop="1em" font_size_tablet="16" padding_left="1.5em" padding_right="1.5em"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column column_padding="padding-5-percent" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="left-right" column_element_direction_desktop="default" column_element_spacing="0px" desktop_text_alignment="default" tablet_text_alignment="default" phone_text_alignment="default" background_color="#FFFFFF" background_color_opacity="1" background_hover_color_opacity="1" background_image="6304" background_image_type="img" background_image_position="center center" 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overlay_strength="0.3" gradient_direction="left_to_right" shape_divider_position="bottom" bg_image_animation="none" gradient_type="default" shape_type=""][vc_column column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" flex_gap_desktop="10px" column_element_direction_desktop="default" column_element_spacing="default" desktop_text_alignment="default" tablet_text_alignment="default" phone_text_alignment="default" background_color_opacity="1" background_hover_color_opacity="1" column_backdrop_filter="none" column_shadow="none" column_border_radius="none" column_link_target="_self" column_position="default" gradient_direction="left_to_right" overlay_strength="0.3" width="1/1" tablet_width_inherit="default" animation_type="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid"][vc_row_inner column_margin="default" column_direction="default" column_direction_tablet="default" column_direction_phone="default" bottom_padding="2%" text_align="left" row_position="default" row_position_tablet="inherit" row_position_phone="inherit" overflow="visible" pointer_events="all"][vc_column_inner column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" flex_gap_desktop="10px" column_element_direction_desktop="default" column_element_spacing="default" desktop_text_alignment="default" tablet_text_alignment="default" phone_text_alignment="default" background_color_opacity="1" background_hover_color_opacity="1" column_backdrop_filter="none" column_shadow="none" column_border_radius="none" column_link_target="_self" overflow="visible" gradient_direction="left_to_right" overlay_strength="0.3" width="1/1" tablet_width_inherit="default" animation_type="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid"][nectar_badge display_tag="h4" badge_style="line" text_color="#F15B29" text="Kredensial & legalitas"][nectar_responsive_text inherited_font_style="default" font_size_max="50px" font_size_desktop="2vw" font_line_height="1.2" font_size_phone="6vw" font_size_tablet="4vw" text_direction="default"][/nectar_responsive_text][nectar_responsive_text inherited_font_style="default" font_size_min="16px" font_size_max="20px" font_size_desktop="1.1vw" font_line_height="1.6" text_direction="default"]Layanan kami didukung oleh Aktuaris yang memiliki registrasi dan perizinan resmi, serta pengalaman profesional dalam memberikan jasa aktuaria kepada berbagai sektor industri.[/nectar_responsive_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type="in_container" full_screen_row_position="middle" column_margin="default" column_direction="default" column_direction_tablet="default" column_direction_phone="default" scene_position="center" bottom_padding="5%" text_color="dark" text_align="left" row_border_radius="none" row_border_radius_applies="bg" row_position_desktop="default" row_position_tablet="inherit" row_position_phone="inherit" overflow="visible" overlay_strength="0.3" gradient_direction="left_to_right" shape_divider_position="bottom" bg_image_animation="none" gradient_type="default" shape_type=""][vc_column column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" column_element_direction_desktop="default" column_element_spacing="default" desktop_text_alignment="default" tablet_text_alignment="default" phone_text_alignment="default" background_color_opacity="1" background_hover_color_opacity="1" column_backdrop_filter="none" column_shadow="none" column_border_radius="none" column_link_target="_self" column_position="default" gradient_direction="left_to_right" overlay_strength="0.3" width="1/4" tablet_width_inherit="default" animation_type="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid" column_padding_type="default" content_layout="default" gradient_type="default"][fancy_box box_style="color_box_hover" icon_family="iconsmind" color="accent-color" color_box_hover_overlay_opacity="default" box_alignment="left" enable_border="true" border_radius="default" image_loading="lazy-load" color_scheme="dark" secondary_content="" icon_iconsmind="iconsmind-Profile" min_height="370"] Azwir Arifin, M.Sc., FSAI, AAAI-J., QIP., AMRP Aktuaris Profesional dengan pengalaman lebih dari 30 tahun di bidang aktuaria, asuransi, dan manajemen risiko.[/fancy_box][/vc_column][vc_column column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" flex_gap_desktop="10px" column_element_direction_desktop="default" column_element_spacing="default" desktop_text_alignment="default" tablet_text_alignment="default" phone_text_alignment="default" background_color_opacity="1" background_hover_color_opacity="1" column_backdrop_filter="none" column_shadow="none" column_border_radius="none" column_link_target="_self" column_position="default" gradient_direction="left_to_right" overlay_strength="0.3" width="1/4" tablet_width_inherit="default" animation_type="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid"][fancy_box box_style="color_box_hover" icon_family="iconsmind" color="accent-color" color_box_hover_overlay_opacity="default" box_alignment="left" enable_border="true" border_radius="default" image_loading="lazy-load" color_scheme="dark" secondary_content="" icon_iconsmind="iconsmind-Checked-User" min_height="370"] Register Aktuaris (PAI) No: 9610466 Register Aktuaris Publik No: Act- 1.17.00033 Register STTD OJK No.033/NB.122/STTD-KA/2021[/fancy_box][/vc_column][vc_column column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" flex_gap_desktop="10px" column_element_direction_desktop="default" column_element_spacing="default" desktop_text_alignment="default" tablet_text_alignment="default" phone_text_alignment="default" background_color_opacity="1" background_hover_color_opacity="1" column_backdrop_filter="none" column_shadow="none" column_border_radius="none" column_link_target="_self" column_position="default" gradient_direction="left_to_right" overlay_strength="0.3" width="1/4" tablet_width_inherit="default" animation_type="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid"][fancy_box box_style="color_box_hover" icon_family="iconsmind" color="accent-color" color_box_hover_overlay_opacity="default" box_alignment="left" enable_border="true" border_radius="default" image_loading="lazy-load" color_scheme="dark" secondary_content="" icon_iconsmind="iconsmind-Folder-WithDocument" min_height="370"] No.
- [Perhitungan Liabilitas Perusahaan Asuransi](https://azwiraktuaria.co.id/jasa-aktuaria/perhitungan-liabilitas-perusahaan-asuransi/): [vc_row type="full_width_background" full_screen_row_position="middle" column_margin="none" equal_height="yes" content_placement="middle" column_direction="default" column_direction_tablet="default" column_direction_phone="default" bg_color="#F15B29" scene_position="center" top_padding="5%" constrain_group_1="yes" bottom_padding="5%" top_padding_tablet="8%" constrain_group_3="yes" bottom_padding_tablet="8%" top_padding_phone="7%" constrain_group_5="yes" bottom_padding_phone="7%" text_color="light" text_align="left" row_border_radius="none" row_border_radius_applies="bg" row_position_desktop="default" row_position_tablet="inherit" row_position_phone="inherit" overflow="visible" overlay_strength="0.3" gradient_direction="left_to_right" shape_divider_position="bottom" bg_image_animation="none" gradient_type="default" shape_type=""][vc_column right_padding_desktop="5%" right_padding_phone="0" bottom_margin_tablet="10%" column_element_direction_desktop="default" column_element_spacing="default" desktop_text_alignment="default" tablet_text_alignment="default" phone_text_alignment="default" background_color_opacity="1" background_hover_color_opacity="1" column_backdrop_filter="none" column_shadow="none" column_border_radius="none" column_link_target="_self" column_position="default" advanced_gradient_angle="0" gradient_direction="left_to_right" overlay_strength="0.8" width="1/2" tablet_width_inherit="default" animation_type="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid" gradient_type="default" column_padding_type="advanced" content_layout="default"][vc_row_inner column_margin="none" column_direction="default" column_direction_tablet="default" column_direction_phone="default" right_padding_desktop="10%" right_padding_tablet="5%" right_padding_phone="3%" text_align="left" row_position="default" row_position_tablet="inherit" row_position_phone="inherit" overflow="visible" pointer_events="all"][vc_column_inner column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" flex_gap_desktop="10px" column_element_direction_desktop="default" column_element_spacing="0px" desktop_text_alignment="default" tablet_text_alignment="default" phone_text_alignment="default" background_color_opacity="1" background_hover_color_opacity="1" column_backdrop_filter="none" column_shadow="none" column_border_radius="none" column_link_target="_self" overflow="visible" advanced_gradient_angle="0" gradient_direction="left_to_right" overlay_strength="0.3" width="1/1" tablet_width_inherit="default" animation_type="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid" gradient_type="default" column_padding_type="default"][nectar_badge display_tag="h4" badge_style="line" text_color="#F1CC29" text="Jasa Aktuaria" margin_bottom="10"][nectar_responsive_text inherited_font_style="default" font_size_max="50px" font_size_desktop="2vw" font_line_height="1.2" font_size_phone="6vw" font_size_tablet="4vw" text_direction="default"][/nectar_responsive_text][divider line_type="No Line" custom_height="20"][nectar_responsive_text inherited_font_style="default" font_size_min="16px" font_size_max="20px" font_size_desktop="1.1vw" font_line_height="1.6" text_direction="default"]Perhitungan liabilitas perusahaan asuransi merupakan komponen utama dalam menjaga kesehatan keuangan dan stabilitas operasional perusahaan asuransi maupun reasuransi.
- [Perhitungan Liabilitas Dana Pensiun](https://azwiraktuaria.co.id/jasa-aktuaria/perhitungan-liabilitas-dana-pensiun/): [vc_row type="full_width_background" full_screen_row_position="middle" column_margin="none" equal_height="yes" content_placement="middle" column_direction="default" column_direction_tablet="default" column_direction_phone="default" bg_color="#80A764" scene_position="center" top_padding="5%" constrain_group_1="yes" bottom_padding="5%" top_padding_tablet="8%" constrain_group_3="yes" bottom_padding_tablet="8%" top_padding_phone="7%" constrain_group_5="yes" bottom_padding_phone="7%" text_color="light" text_align="left" row_border_radius="none" row_border_radius_applies="bg" row_position_desktop="default" row_position_tablet="inherit" row_position_phone="inherit" overflow="visible" overlay_strength="0.3" gradient_direction="left_to_right" shape_divider_position="bottom" bg_image_animation="none" gradient_type="default" shape_type=""][vc_column right_padding_desktop="5%" right_padding_phone="0" bottom_margin_tablet="10%" column_element_direction_desktop="default" column_element_spacing="default" desktop_text_alignment="default" tablet_text_alignment="default" phone_text_alignment="default" background_color_opacity="1" background_hover_color_opacity="1" column_backdrop_filter="none" column_shadow="none" column_border_radius="none" column_link_target="_self" column_position="default" advanced_gradient_angle="0" gradient_direction="left_to_right" overlay_strength="0.8" width="1/2" tablet_width_inherit="default" animation_type="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid" gradient_type="default" column_padding_type="advanced" content_layout="default"][vc_row_inner column_margin="none" column_direction="default" column_direction_tablet="default" column_direction_phone="default" right_padding_desktop="10%" right_padding_tablet="5%" right_padding_phone="3%" text_align="left" row_position="default" row_position_tablet="inherit" row_position_phone="inherit" overflow="visible" pointer_events="all"][vc_column_inner column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" flex_gap_desktop="10px" column_element_direction_desktop="default" column_element_spacing="0px" desktop_text_alignment="default" tablet_text_alignment="default" phone_text_alignment="default" background_color_opacity="1" background_hover_color_opacity="1" column_backdrop_filter="none" column_shadow="none" column_border_radius="none" column_link_target="_self" overflow="visible" advanced_gradient_angle="0" gradient_direction="left_to_right" overlay_strength="0.3" width="1/1" tablet_width_inherit="default" animation_type="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid" gradient_type="default" column_padding_type="default"][nectar_badge display_tag="h4" badge_style="line" text_color="#EEEE22" text="Jasa Aktuaria" margin_bottom="10"][nectar_responsive_text inherited_font_style="default" font_size_max="50px" font_size_desktop="2vw" font_line_height="1.2" font_size_phone="6vw" font_size_tablet="4vw" text_direction="default"][/nectar_responsive_text][divider line_type="No Line" custom_height="20"][nectar_responsive_text inherited_font_style="default" font_size_min="16px" font_size_max="20px" font_size_desktop="1.1vw" font_line_height="1.6" text_direction="default"]Perhitungan liabilitas dana pensiun merupakan proses penting dalam memastikan keberlanjutan program pensiun serta kepatuhan terhadap regulasi yang berlaku.
- [Imbalan Kerja PSAK 219](https://azwiraktuaria.co.id/jasa-aktuaria/imbalan-kerja-psak-219/): [vc_row type="full_width_background" full_screen_row_position="middle" column_margin="none" equal_height="yes" content_placement="middle" column_direction="default" column_direction_tablet="default" column_direction_phone="default" bg_color="#1F2657" scene_position="center" top_padding="5%" constrain_group_1="yes" bottom_padding="5%" top_padding_tablet="8%" constrain_group_3="yes" bottom_padding_tablet="8%" top_padding_phone="7%" constrain_group_5="yes" bottom_padding_phone="7%" text_color="light" text_align="left" row_border_radius="none" row_border_radius_applies="bg" row_position_desktop="default" row_position_tablet="inherit" row_position_phone="inherit" overflow="visible" overlay_strength="0.3" gradient_direction="left_to_right" shape_divider_position="bottom" bg_image_animation="none" gradient_type="default" shape_type=""][vc_column right_padding_desktop="5%" right_padding_phone="0" bottom_margin_tablet="10%" column_element_direction_desktop="default" column_element_spacing="default" desktop_text_alignment="default" tablet_text_alignment="default" phone_text_alignment="default" background_color_opacity="1" background_hover_color_opacity="1" column_backdrop_filter="none" column_shadow="none" column_border_radius="none" column_link_target="_self" column_position="default" advanced_gradient_angle="0" gradient_direction="left_to_right" overlay_strength="0.8" width="1/2" tablet_width_inherit="default" animation_type="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid" gradient_type="default" column_padding_type="advanced" content_layout="default"][vc_row_inner column_margin="none" column_direction="default" column_direction_tablet="default" column_direction_phone="default" right_padding_desktop="10%" right_padding_tablet="5%" right_padding_phone="3%" text_align="left" row_position="default" row_position_tablet="inherit" row_position_phone="inherit" overflow="visible" pointer_events="all"][vc_column_inner column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" flex_gap_desktop="10px" column_element_direction_desktop="default" column_element_spacing="0px" desktop_text_alignment="default" tablet_text_alignment="default" phone_text_alignment="default" background_color_opacity="1" background_hover_color_opacity="1" column_backdrop_filter="none" column_shadow="none" column_border_radius="none" column_link_target="_self" overflow="visible" advanced_gradient_angle="0" gradient_direction="left_to_right" overlay_strength="0.3" width="1/1" tablet_width_inherit="default" animation_type="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid" gradient_type="default" column_padding_type="default"][nectar_badge display_tag="h4" badge_style="line" text_color="#F15B29" text="PSAK 219 Imbalan Kerja" margin_bottom="10"][nectar_responsive_text inherited_font_style="default" font_size_max="50px" font_size_desktop="2vw" font_line_height="1.2" font_size_phone="6vw" font_size_tablet="4vw" text_direction="default"][/nectar_responsive_text][divider line_type="No Line" custom_height="20"][nectar_responsive_text inherited_font_style="default" font_size_min="16px" font_size_max="20px" font_size_desktop="1.1vw" font_line_height="1.6" text_direction="default"]Kami menyediakan Jasa Valuasi Aktuaria PSAK 219 untuk menghitung kewajiban imbalan kerja sesuai standar yang berlaku (IAI dan PAI).
- [PSAK 219](https://azwiraktuaria.co.id/psak-219/)
- [Link](https://azwiraktuaria.co.id/link/)
- [Download](https://azwiraktuaria.co.id/download/): [/nectar_responsive_text][nectar_responsive_text inherited_font_style="default" font_size_min="14px" font_size_max="20px" font_size_desktop="1.1vw" font_line_height="1.5" text_direction="default"]Memasuki 2026, ada tiga perubahan besar yang akan mempengaruhi kewajiban imbalan kerja perusahaan Indonesia.
- [Azwir Aktuaria](https://azwiraktuaria.co.id/): [vc_row type="full_width_background" full_screen_row_position="middle" column_margin="default" equal_height="yes" content_placement="top" column_direction="default" column_direction_tablet="default" column_direction_phone="default" bg_color="#d1d1ca" video_bg="use_video" video_mp4="https://azwiraktuaria.co.id/wp-content/uploads/2026/07/Corporate_skyline_financial_network_202607211312.mp4" background_video_loading="default" scene_position="top" top_padding="10%" constrain_group_1="yes" bottom_padding="10%" text_color="light" text_align="left" row_border_radius="none" row_border_radius_applies="bg" row_position_desktop="default" row_position_tablet="inherit" row_position_phone="inherit" overflow="visible" color_overlay="#0a0a0a" overlay_strength="0.5" gradient_direction="left_to_right" shape_divider_position="bottom" shape_divider_height="350" bg_image_animation="fade-in" parallax_bg="true" parallax_bg_speed="fast" shape_type="mountains" gradient_type="default"][vc_column column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" flex_gap_desktop="10px" column_element_direction_desktop="default" column_element_spacing="default" desktop_text_alignment="default" tablet_text_alignment="default" phone_text_alignment="default" background_color_opacity="1" background_hover_color_opacity="1" column_backdrop_filter="none" column_shadow="none" column_border_radius="none" column_link_target="_self" column_position="default" gradient_direction="left_to_right" overlay_strength="0.3" width="2/3" tablet_width_inherit="default" animation_type="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid"][vc_row_inner column_margin="default" column_direction="default" column_direction_tablet="default" column_direction_phone="default" text_align="left" row_position="default" row_position_tablet="inherit" row_position_phone="inherit" overflow="visible" pointer_events="all"][vc_column_inner column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" flex_gap_desktop="10px" column_element_direction_desktop="default" column_element_spacing="default" desktop_text_alignment="default" tablet_text_alignment="default" phone_text_alignment="default" background_color_opacity="1" background_hover_color_opacity="1" column_backdrop_filter="none" column_shadow="none" column_border_radius="none" column_link_target="_self" overflow="visible" gradient_direction="left_to_right" overlay_strength="0.3" width="1/1" tablet_width_inherit="default" animation_type="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid"][split_line_heading line_reveal_by_space_text_effect="default" font_style="h1" content_alignment="default" mobile_content_alignment="inherit" animation_type="line-reveal-by-space" link_target="_self" text_direction="default" text_content="Lebih dari 30 Tahun Menghadirkan Solusi Aktuaria yang Terpercaya"][/split_line_heading][split_line_heading line_reveal_by_space_text_effect="default" font_style="h4" content_alignment="default" mobile_content_alignment="inherit" animation_type="line-reveal-by-space" link_target="_self" text_content="Mitra independen bagi perusahaan dalam pengelolaan risiko, pemenuhan regulasi, dan pengambilan keputusan strategis."
- [Penawaran Khusus](https://azwiraktuaria.co.id/penawaran-khusus/)
- [Jasa Aktuaria](https://azwiraktuaria.co.id/jasa-aktuaria/): [vc_row type="full_width_background" full_screen_row_position="middle" column_margin="none" column_direction="default" column_direction_tablet="default" column_direction_phone="default" scene_position="center" top_padding="5%" bottom_padding="5%" top_padding_tablet="30%" constrain_group_3="yes" bottom_padding_tablet="30%" top_padding_phone="40%" constrain_group_5="yes" bottom_padding_phone="40%" text_color="custom" custom_text_color="#808181" text_align="left" row_border_radius="none" row_border_radius_applies="bg" row_position_desktop="default" row_position_tablet="inherit" row_position_phone="inherit" overflow="visible" overlay_strength="0.3" gradient_direction="left_t_to_right_b" shape_divider_color="#f1f2e7" shape_divider_position="bottom" shape_divider_height="50%" bg_image_animation="zoom-out" parallax_bg="true" parallax_bg_speed="fast" shape_type="straight_section"][vc_column column_padding="no-extra-padding" 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mobile_content_alignment="inherit" animation_type="line-reveal-by-space" link_target="_self" text_content="Jasa Aktuaria" animation_delay="200" text_direction="default"][/split_line_heading][nectar_rotating_words_title heading_tag="h3" dynamic_text="Imbalan Kerja Karyawan, Kewajiban Dana Pensiun, Perusahaan Asuransi, Jasa Lainnya" duration="2500" text_color="#f78d23" dynamic_heading_tag="default" element_animation="stagger_words" mobile_display="inline" text_flow="inline" element_animation_delay="550"][/vc_column][/vc_row][vc_row type="full_width_background" full_screen_row_position="middle" column_margin="default" column_direction="default" column_direction_tablet="default" column_direction_phone="default" scene_position="center" constrain_group_1="yes" text_color="dark" text_align="left" row_border_radius="none" row_border_radius_applies="bg" row_position_desktop="default" row_position_tablet="inherit" row_position_phone="inherit" overflow="visible" id="features" 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column_link_target="_self" overflow="visible" gradient_direction="left_to_right" overlay_strength="0.3" width="1/2" tablet_width_inherit="default" animation_type="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid" column_padding_type="advanced" content_layout="flexbox" flex_layout_desktop="column" flex_justify_content_desktop="center" flex_align_items_desktop="flex-start" flex_align_items_phone="" flex_wrap_desktop="nowrap" flex_reverse_desktop="false" gradient_type="default" flex_justify_content_phone="flex-start"][nectar_responsive_text inherited_font_style="h6" text_direction="default" font_line_height="1"]Jasa Aktuaria[/nectar_responsive_text][nectar_responsive_text inherited_font_style="default" text_direction="default"][/nectar_responsive_text][nectar_responsive_text inherited_font_style="default" font_size_phone="14px" text_direction="default"]Berdasarkan Pernyataan Standar Akuntansi Keuangan Nomor 219 (PSAK 219) tentang Imbalan Kerja, entitas diwajibkan untuk mengakui kewajiban dan beban imbalan kerja dalam laporan keuangan, khususnya terkait imbalan pasca kerja dan imbalan kerja jangka panjang lainnya.[/nectar_responsive_text][nectar_cta btn_style="text-reveal" heading_tag="span" border_radius="100" link_type="regular" button_color="accent-color" text_color="#F6F4F0" button_border_thickness="0px" alignment="left" alignment_tablet="default" alignment_phone="default" constrain_group_3="yes" constrain_group_4="yes" icon_gap="20" display="inline" display_tablet="inherit" display_phone="inherit" icon_family="none" icon_alignment="left" link_text="Selengkapnya" padding_top="0.5em" padding_bottom="0.5em" padding_left="1.4em" padding_right="1.4em" margin_top="20px" url="https://azwiraktuaria.co.id/jasa-aktuaria/imbalan-kerja-psak-219/"][/vc_column_inner][vc_column_inner top_padding_desktop="10%" constrain_group_100="yes" bottom_padding_desktop="10%" left_padding_desktop="10%" 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bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid" column_padding_type="advanced" content_layout="flexbox" flex_layout_desktop="column" flex_justify_content_desktop="center" flex_align_items_desktop="flex-start" flex_align_items_phone="" flex_wrap_desktop="nowrap" flex_reverse_desktop="false" gradient_type="default" flex_justify_content_phone="flex-start"][nectar_responsive_text inherited_font_style="h6" text_direction="default" font_line_height="1"]JASA AKTUARIA[/nectar_responsive_text][nectar_responsive_text inherited_font_style="default" text_direction="default"][/nectar_responsive_text][nectar_responsive_text inherited_font_style="default" font_size_phone="14px" text_direction="default"]Merupakan komponen utama dalam menjaga kesehatan keuangan dan stabilitas operasional perusahaan asuransi maupun reasuransi.
- [Profil](https://azwiraktuaria.co.id/profil/): [vc_row type="full_width_background" full_screen_row_position="middle" column_margin="none" column_direction="default" column_direction_tablet="default" column_direction_phone="default" scene_position="center" top_padding="5%" bottom_padding="5%" top_padding_tablet="30%" constrain_group_3="yes" bottom_padding_tablet="30%" top_padding_phone="40%" constrain_group_5="yes" bottom_padding_phone="40%" text_color="custom" custom_text_color="#808181" text_align="left" row_border_radius="none" row_border_radius_applies="bg" row_position_desktop="default" row_position_tablet="inherit" row_position_phone="inherit" overflow="visible" overlay_strength="0.3" gradient_direction="left_t_to_right_b" shape_divider_color="#f1f2e7" shape_divider_position="bottom" shape_divider_height="50%" bg_image_animation="zoom-out" parallax_bg="true" parallax_bg_speed="fast" shape_type="straight_section"][vc_column column_padding="no-extra-padding" 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text_content="Profil" animation_delay="200" text_direction="default"][/split_line_heading][nectar_rotating_words_title heading_tag="h3" dynamic_text="Azwir Aktuaria, KKA Azwir Arifin dan Rekan" duration="2500" text_color="#f78d23" dynamic_heading_tag="default" element_animation="stagger_words" mobile_display="inline" text_flow="inline" element_animation_delay="550" text_direction="default"][/vc_column][/vc_row][vc_row type="full_width_background" full_screen_row_position="middle" column_margin="default" column_direction="default" column_direction_tablet="default" column_direction_phone="default" bg_color="#ffffff" scene_position="center" top_padding="5%" bottom_padding="5%" text_color="dark" text_align="left" row_border_radius="none" row_border_radius_applies="bg" row_position_desktop="default" row_position_tablet="inherit" row_position_phone="inherit" overflow="visible" enable_gradient="true" color_overlay="#f1f2e7" overlay_strength="1" gradient_direction="top_to_bottom" shape_divider_position="bottom" bg_image_animation="none" shape_type=""][vc_column column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" flex_gap_desktop="10px" column_element_direction_desktop="default" column_element_spacing="default" desktop_text_alignment="default" tablet_text_alignment="default" phone_text_alignment="default" background_color_opacity="1" background_hover_color_opacity="1" column_backdrop_filter="none" column_shadow="none" column_border_radius="none" column_link_target="_self" column_position="default" gradient_direction="left_to_right" overlay_strength="0.3" width="1/1" tablet_width_inherit="default" animation_type="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid"][tabbed_section style="vertical_modern" tab_color="Accent-Color" vs_content_animation="fade" vs_link_animation="opacity" vs_navigation_alignment="left" vs_navigation_width_2="25%" vs_navigation_func="default" vs_navigation_width="regular" vs_navigation_spacing="15px" vs_navigation_mobile_display="visible" vs_tab_spacing="5%"][tab icon_family="iconsmind" title="Tentang Kami" id="1695194884590-1" icon_iconsmind="iconsmind-Chrysler-Building" tab_id="1695194884591-2"][vc_row_inner column_margin="default" column_direction="default" column_direction_tablet="default" column_direction_phone="default" text_align="left" row_position="default" row_position_tablet="inherit" row_position_phone="inherit" overflow="visible" pointer_events="all"][vc_column_inner column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" bottom_margin="5%" flex_gap_desktop="10px" column_element_direction_desktop="default" column_element_spacing="default" desktop_text_alignment="default" tablet_text_alignment="default" phone_text_alignment="default" background_color_opacity="1" background_hover_color_opacity="1" column_backdrop_filter="none" column_shadow="none" column_border_radius="none" column_link_target="_self" overflow="visible" gradient_direction="left_to_right" overlay_strength="0.3" width="1/1" tablet_width_inherit="default" animation_type="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid"][split_line_heading line_reveal_by_space_text_effect="default" font_style="h2" content_alignment="default" mobile_content_alignment="inherit" animation_type="line-reveal-by-space" link_target="_self" text_content="Kantor Konsultan Aktuaria Azwir Arifin dan Rekan" max_width="600"][/split_line_heading][/vc_column_inner][vc_column_inner column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" flex_gap_desktop="10px" column_element_direction_desktop="default" column_element_spacing="default" desktop_text_alignment="default" tablet_text_alignment="default" phone_text_alignment="default" background_color_opacity="1" background_hover_color_opacity="1" column_backdrop_filter="none" column_shadow="none" column_border_radius="none" column_link_target="_self" overflow="visible" gradient_direction="left_to_right" overlay_strength="0.3" width="2/3" tablet_width_inherit="default" animation_type="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid"][vc_column_text css=".vc_custom_1637501077597{padding-right: 10% !important;}"]KKA Azwir Arifin & Rekan merupakan perubahan nama dari PT.
- [Home](https://azwiraktuaria.co.id/home-lama/): [vc_row type="full_width_background" full_screen_row_position="middle" column_margin="none" column_direction="default" column_direction_tablet="default" column_direction_phone="default" scene_position="center" top_padding="3%" bottom_padding="5%" top_padding_tablet="7%" bottom_padding_tablet="10%" text_color="custom" custom_text_color="#d4c0ff" text_align="left" row_border_radius="none" row_border_radius_applies="bg" row_position_desktop="default" row_position_tablet="inherit" row_position_phone="inherit" overflow="visible" id="impact" overlay_strength="0.3" gradient_direction="left_to_right" enable_shape_divider="true" shape_divider_color="#f1f2e7" shape_divider_position="bottom" shape_divider_height="50%" bg_image_animation="none" shape_type="straight_section" gradient_type="default"][vc_column column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" 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column_border_width="none" column_border_style="solid"][/vc_column_inner][/vc_row_inner][vc_row_inner column_margin="default" column_direction="default" column_direction_tablet="default" column_direction_phone="default" text_align="left" row_position="default" row_position_tablet="inherit" row_position_phone="inherit" overflow="visible" pointer_events="all"][vc_column_inner column_padding="padding-1-percent" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" flex_gap_desktop="10px" column_element_direction_desktop="default" column_element_spacing="default" centered_text="true" desktop_text_alignment="default" tablet_text_alignment="default" phone_text_alignment="default" background_color_opacity="1" background_hover_color_opacity="1" column_backdrop_filter="none" column_shadow="none" column_border_radius="none" column_link_target="_self" overflow="visible" gradient_direction="left_to_right" overlay_strength="0.3" width="1/4" tablet_width_inherit="default" animation_type="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid"][nectar_icon icon_family="iconsmind" icon_style="shadow-bg" icon_color_type="color_scheme" icon_color="Accent-Color" icon_padding="10px" pointer_events="all" icon_size="60" icon_iconsmind="iconsmind-Handshake"][vc_column_text] Melakukan Perhitungan atas Pesangon, Penghargaan Masa Kerja dan Penggantian Hak Karyawan[/vc_column_text][/vc_column_inner][vc_column_inner column_padding="padding-1-percent" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" flex_gap_desktop="10px" column_element_direction_desktop="default" column_element_spacing="default" centered_text="true" desktop_text_alignment="default" tablet_text_alignment="default" phone_text_alignment="default" background_color_opacity="1" background_hover_color_opacity="1" column_backdrop_filter="none" column_shadow="none" column_border_radius="none" column_link_target="_self" overflow="visible" gradient_direction="left_to_right" overlay_strength="0.3" width="1/4" tablet_width_inherit="default" animation_type="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid"][nectar_icon icon_family="iconsmind" icon_style="shadow-bg" icon_color_type="color_scheme" icon_color="Accent-Color" icon_padding="10px" pointer_events="all" icon_size="60" icon_iconsmind="iconsmind-Environmental-3"][vc_column_text] Membantu Membuat Rancangan Peraturan Dana Pensiun dan Valuasi Aktuaria[/vc_column_text][/vc_column_inner][vc_column_inner column_padding="padding-1-percent" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" flex_gap_desktop="10px" column_element_direction_desktop="default" column_element_spacing="default" centered_text="true" desktop_text_alignment="default" tablet_text_alignment="default" 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column_element_direction_desktop="default" column_element_spacing="default" centered_text="true" desktop_text_alignment="default" tablet_text_alignment="default" phone_text_alignment="default" background_color_opacity="1" background_hover_color_opacity="1" column_backdrop_filter="none" column_shadow="none" column_border_radius="none" column_link_target="_self" overflow="visible" gradient_direction="left_to_right" overlay_strength="0.3" width="1/4" tablet_width_inherit="default" animation_type="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid"][nectar_icon icon_family="iconsmind" icon_style="shadow-bg" icon_color_type="color_scheme" icon_color="Accent-Color" icon_padding="10px" pointer_events="all" icon_size="60" icon_iconsmind="iconsmind-Finger-DragFourSides"][vc_column_text] Membantu perusahaan untuk melakukan Pelatihan Aktuaria, Review Produk, Kajian Lain Lain[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type="full_width_background" full_screen_row_position="middle" column_margin="20px" equal_height="yes" content_placement="middle" column_direction="default" column_direction_tablet="default" column_direction_phone="default" scene_position="center" top_padding="5%" bottom_padding="8%" text_color="dark" text_align="left" row_border_radius="none" row_border_radius_applies="bg" row_position_desktop="default" row_position_tablet="inherit" row_position_phone="inherit" overflow="visible" overlay_strength="0.3" gradient_direction="left_to_right" shape_divider_position="bottom" bg_image_animation="none" shape_type=""][vc_column column_padding="padding-5-percent" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="top-bottom" flex_gap_desktop="10px" column_element_direction_desktop="default" column_element_spacing="default" desktop_text_alignment="default" tablet_text_alignment="default" phone_text_alignment="default" background_color_opacity="1" background_hover_color_opacity="1" column_backdrop_filter="none" column_shadow="none" column_border_radius="none" column_link_target="_self" column_position="default" gradient_direction="left_to_right" overlay_strength="0.3" width="1/3" tablet_width_inherit="default" animation_type="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid" offset="vc_col-md-offset-0 vc_col-sm-offset-2 vc_col-xs-offset-2 vc_col-xs-8"][nectar_cascading_images image_1_url="6046" image_1_offset_x_sign="+" image_1_offset_x="0%" image_1_offset_y_sign="+" image_1_offset_y="0%" image_1_rotate_sign="+" image_1_rotate="none" image_1_scale="1" image_1_padding="none" image_1_box_shadow="none" image_1_max_width_desktop="100%" image_1_max_width_mobile="100%" image_1_image_width_mobile="default" image_2_url="6035" image_2_offset_x_sign="+" image_2_offset_x="20%" image_2_offset_y_sign="+" image_2_offset_y="25%" image_2_rotate_sign="+" image_2_rotate="none" image_2_scale="1" image_2_padding="none" image_2_box_shadow="x_large_depth" image_2_max_width_desktop="100%" image_2_max_width_mobile="100%" image_2_image_width_mobile="default" image_3_offset_x_sign="-" image_3_offset_x="0%" image_3_offset_y_sign="-" image_3_offset_y="0%" image_3_rotate_sign="+" image_3_rotate="none" image_3_scale="1" image_3_padding="auto" image_3_box_shadow="none" image_3_max_width_desktop="100%" image_3_max_width_mobile="100%" image_3_image_width_mobile="default" image_4_offset_x_sign="+" image_4_offset_x="0%" image_4_offset_y_sign="+" image_4_offset_y="0%" image_4_rotate_sign="+" image_4_rotate="none" image_4_scale="1" image_4_padding="auto" image_4_box_shadow="none" image_4_max_width_desktop="100%" image_4_max_width_mobile="100%" image_4_image_width_mobile="default" element_sizing="default" image_loading="lazy-load" border_radius="5px" parallax_scrolling="yes" 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icon_iconsmind="iconsmind-Chrysler-Building" icon_size="24"][/vc_column_inner][/vc_row_inner][vc_row_inner column_margin="none" column_direction="default" column_direction_tablet="default" column_direction_phone="default" text_align="left" row_position="default" row_position_tablet="inherit" row_position_phone="inherit" overflow="visible" pointer_events="all"][vc_column_inner column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" flex_gap_desktop="10px" column_element_direction_desktop="default" column_element_spacing="default" desktop_text_alignment="default" tablet_text_alignment="default" phone_text_alignment="default" background_color_opacity="1" background_hover_color_opacity="1" column_backdrop_filter="none" column_shadow="none" column_border_radius="none" column_link_target="_self" overflow="visible" gradient_direction="left_to_right" overlay_strength="0.3" width="1/1" tablet_width_inherit="default" animation_type="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid"][split_line_heading line_reveal_by_space_text_effect="default" font_style="h2" content_alignment="default" mobile_content_alignment="inherit" animation_type="line-reveal-by-space" link_target="_self" text_content="Kantor Konsultan Aktuaria Azwir Arifin dan Rekan" max_width="520"][/split_line_heading][/vc_column_inner][/vc_row_inner][vc_row_inner column_margin="default" column_direction="default" column_direction_tablet="default" column_direction_phone="default" text_align="left" row_position="default" row_position_tablet="inherit" row_position_phone="inherit" overflow="visible" pointer_events="all"][vc_column_inner column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" flex_gap_desktop="10px" column_element_direction_desktop="default" column_element_spacing="default" desktop_text_alignment="default" tablet_text_alignment="default" phone_text_alignment="default" background_color_opacity="1" background_hover_color_opacity="1" column_backdrop_filter="none" column_shadow="none" column_border_radius="none" column_link_target="_self" overflow="visible" gradient_direction="left_to_right" overlay_strength="0.3" width="1/1" tablet_width_inherit="default" animation_type="default" enable_animation="true" animation="fade-in-from-bottom" animation_easing="default" bg_image_animation="none" border_type="simple" column_border_width="none" column_border_style="solid" delay="100"][vc_column_text css_animation="none" css=".vc_custom_1635936706425{margin-top: 15px !important;}" max_width="550"]Adalah perubahan nama dari PT.
- [Halaman Depan](https://azwiraktuaria.co.id/halaman-depan/)
- [Berita dan Artikel](https://azwiraktuaria.co.id/berita-dan-artikel/)

## Optional

- [Agent (MCP protocol)](websites-agents.hostinger.com/azwiraktuaria.co.id/mcp)

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