PT Asuransi Asei Indonesia (Asei) is stepping beyond its traditional role of safeguarding exporters to actively enhance Indonesia’s export ecosystem. According to the report, micro, small, and medium enterprises (MSMEs) in Indonesia contribute approximately 60% of GDP, employ 97% of the workforce, and make up around 15.7% of national exports. Asei offers exporters credit-insurance and export-financing insurance products covering commercial and political risks. Between 2020 and September 2025, Asei issued protection of about IDR 12.19 trillion for export transactions and IDR 49.59 trillion for domestic trade. Beyond insurance, the company accelerates product digitalization (e.g., remote onboarding), and collaborates with banks, financing agencies, associations, and government bodies to help exporters – especially MSMEs – become more competitive, access new markets, and enter non-traditional export destinations.
From a strategic insight perspective, Asei’s approach reflects a shift from a purely risk-mitigation provider to an active enabler of export growth. By offering up to 70% coverage on non-payment risks (in its cooperation with Lembaga Pembiayaan Ekspor Indonesia – LPEI) and supporting logistics risk (marine cargo) alongside credit risk, Asei fosters confidence among exporters to reach global markets. The digitalization of insurance processes suggests improved accessibility and speed for exporters. Supporting MSMEs in this way may boost Indonesia’s export resilience amid global uncertainty – including market volatility, changing regulations and payment risks. The underlying insight is that strengthening the export ecosystem via holistic services (finance, insurance, digital access, partnerships) is becoming a competitive necessity for countries like Indonesia, not just protecting against losses.
