TENAGA PENDIDIK
Life Insurance (though it shouldn't be) is to this day a very controversial issue. There seems to be a lot of different types of life insurance out there, but there are really only two kinds. They are Term Insurance and Whole Life (Cash Value) Insurance. Term Insurance is pure insurance. It protects you over a certain period of time. Whole Life Insurance is insurance plus a side account known as cash value. Generally speaking, consumer reports recommend term insurance as the most economical choice and they have for some time. But still, whole life insurance is the most prevalent in today's society. Which one should we buy? Let's talk about the purpose of life insurance. Once we get the proper purpose of insurance down to a science, then everything else will fall into place. The purpose of life insurance is the same purpose as any other type of insurance. It is to "insure against loss of". Car insurance is to insure your car or someone else's car in case of an accident. So in other words, since you probably couldn't pay for the damage yourself, insurance is in place. Home owners insurance is to insure against loss of your home or items in it. So since you probably couldn't pay for a new house, you buy an insurance policy to cover it. Life insurance is the same way. It is to insure against loss of your life. If you had a family, it would be impossible to support them after you died, so you buy life insurance so that if something were to happen to you, your family could replace your income. Life insurance is not to make you or your descendants rich or give them a reason to kill you. Life insurance is not to help you retire (or else it would be called retirement insurance)! Life insurance is to replace your income if you die. But the wicked ones have made us believe otherwise, so that they can overcharge us and sell all kinds of other things to us to get paid. How Does Life Insurance Work? Rather than make this complicated, I will give a very simple explanation on how and what goes down in an insurance policy. As a matter of fact, it will be over simplified because we would otherwise be here all day. This is an example. Let's say that you are 31 years old. A typical term insurance policy for 20 years for $200,000 would be about $20/month. Now... if you wanted to buy a whole life insurance policy for $200,000 you might pay $100/month for it. So instead of charging you $20 (which is the true cost) you will be overcharged by $80, which will then be put into a savings account. Now, this $80 will continue to accumulate in a separate account for you. Typically speaking, if you want to get some of YOUR money out of the account, you can then BORROW IT from the account and pay it back with interest. Now... let's say you were to take $80 dollars a month and give it to your bank. If you went to withdraw the money from your bank account and they told you that you had to BORROW your own money from them and pay it back with interest, you would probably go clean upside somebody's head. But somehow, when it comes to insurance, this is okay This stems from the fact that most people don't realize that they are borrowing their own money. The "agent" (of the insurance Matrix) rarely will explain it that way. You see, one of the ways that companies get rich, is by getting people to pay them, and then turn around and borrow their own money back and pay more interest! Home equity loans are another example of this, but that is a whole different sermon.
There wasn’t a lot of talk about auto insurance at this year’s annual meeting of Berkshire Hathaway, but when the subject came up, Warren Buffett acknowledged the continued dominance of one competitor—a mutual insurer. “The largest auto insurance company in the United States was started over in Illinois by a guy who didn’t know anything about insurance particularly. And it’s a mutual company. It’s not supposed to succeed in capitalism,” said Berkshire Hathaway’s chair and chief executive officer, referring to State Farm. Saturday’s six-hour event wasn’t the first one that featured Buffett referring to State Farm’s dominance when asked to comment on the competition between Berkshire’s GEICO and Progressive Insurance. “We will see five years from now or 10 years from now which one of us passes State Farm first,” he said as recently as the 2019 annual meeting. (Related article, “‘I Worry Much More About Progressive’ Than Tesla, Buffett Says“) This time around, however, when CNBC Journalist Becky Quick read a question from a shareholder who wanted to know why GEICO is lagging Progressive in terms of top-line growth and underwriting profitability, Buffett did not talk about ever moving ahead of State Farm. To his mind, the auto insurance industry and the success of State Farm should be studied in business schools. “If you go to business school, they teach you that only because you have incentives and compensation, all kinds of things, can companies succeed. [But] nobody’s really gotten rich off State Farm. They’ve sat there, and they are the largest insurance company,” he asserted. “When Leo Goodwin started GEICO 80 some years ago, he probably wanted to get rich,” he said, referring to GEICO’s founder. “And probably at Progressive, I know people wanted to get rich. And at Travelers and Aetna. You can name them off, dozens and dozens of companies.” (See related article, “Scoop, There It Is: GEICO Drives Up Berkshire 2020 Underwriting Profit” for more about Goodwin.) “And who wins? A mutual company,” Buffett concluded. “In terms of presence, of size, they still are the largest company. If you leave out Berkshire, they have the largest net worth by far. They’ve got $140 billion or something like that in net worth,” Buffett said, speculating that Progressive’s net worth is roughly one-sixth of State Farm’s. “We spend $2 billion a year telling people the same thing we’ve been telling them for 70 or 80 years.” But when all is said and done, “State Farm is still doing more business than anybody, and it shouldn’t exist under capitalism.” “If you [had] a plan to start a State Farm today and had to compete with Progressive, who would put up the capital [for] a mutual company that you’re not going get the profits from? It doesn’t make any sense at all,” he said. Progressive Still Crushing It Ajit Jain, who chairs Berkshire’s insurance operations, spoke before Buffett to give a direct response to the original question of Progressive’s outperformance of GEICO, conceding as he did at last year’s meeting that GEICO needs to catch up to Progressive on telematics. (Related article: “Progressive ‘Crushing It’ on Profit: Berkshire’s Jain and Buffett,” May 6, 2021) “There’s no question that personal automobile insurance business is very competitive business. Having said that, both GEICO and Progressive are two very successful competitors. Each one of them have their pluses and minuses,” Jain said. “There’s no question that more recently, Progressive has done a much better job than GEICO…in terms of margin and in terms of growth rate. There are a number of causes for that, but I think the biggest culprit as far as GEICO is concerned…is telematics. “Progressive has been on the telematics bandwagon for, I don’t know, more than 10 years, 20 years. GEICO until recently wasn’t involved in telematics. It’s been only the last two years that we made a very serious effort in terms of using telematics for segmentation and trying to match rate and risk.” “It’s a long journey, but the journey has started, and the initial results are promising. It will take a while, but my hope and expectation is that hopefully in the next year or two, GEICO will be in a position to catch up with Progressive in terms of telematics, and hopefully that will then translate into both growth rate and margin,” Jain said, drawing applause from shareholders who attended the Omaha meeting in person.
Social Media

© 2022 – Fakultas Kedokteran Universitas Sriwijaya. All Rights Reserved

Program Studi Patologi Anatomik

Patologi Anatomik
Fakultas Kedokteran Universitas Sriwijaya RSUD Dr. Muhammad Hoesin
Jl. Jend. Sudirman No.Km, RW.5, Sekip Jaya, Kec. Kemuning, Kota Palembang, Sumatera Selatan 30126 Telp. : (0711) 354088

011337
Users Today : 16
Users Yesterday : 32
Views Today : 53
Total views : 60687
Who's Online : 2
Your IP Address : 44.210.237.158
Server Time : 2022-10-06

Curriculum Vitae

Nama                   : dr. Krisna Murti, Sp.PA, Subsp, HLE(K).,M.Biotech, Stud. Ph. D.
NIP                    : 19631210 199103 2 002
NIDK/NIDN              : 0010126311
Status pegawai         : Kemenristekdikti/Dosen Tetap
T.T.L                  : Palembang, 10 Desember 1963
Alamat                 : Jl. Seruni Komp. Dosen Unsri Blok A No. 4094 Rt. 063Rw. 017
Kel. Bukit Lama Kec. Ilir Barat I Palembang
Email                  : krisna.arinafril@unsri.ac.id
Tempat kerja           : RSUP Dr. Mohammad Hoesin Palembang

Riwayat Pendidikan    :

NO

PENDIDIKAN

NAMA SEKOLAH

TAHUN IJAZAH

1.

Sekolah Dasar

SD N 94

1978

2.

Sekolah Menengah Pertama

SMP N VIII

1980

3.

Sekolah Menengah Atas

SMA Xaverius I

1983

4.

Dokter Umum

FK UNSRI

1990

5.

FK Inders University

2005

6.

Spesialis Patologi Anatomi

FK UNSRI

2006

7.

Doktor (S-3)

Wuerburg University

2014

8.

Konsultan

Kolegium IAPI

2021

Curriculum Vitae

Nama                   : dr. Ika Kartika Edi Poedjo Purnawati, Sp.PA, Subsp, KA (K)
NIP                    : 19630310 199002 2 002
NIDK/NIDN              : 8801620016
Status pegawai         : Kemenkes/Dosen Tetap
T.T.L                  : Rangkasbitung, 10 Maret 1963
Alamat                 : Jl. Inspektur Marzuki, Lr. Duku No. 2601B RT.004 RW.009
Kel. Siring Agung Kec. IB I Palembang
Email                  : ika.kartika1003@gmail.com
Tempat kerja           : RSUP Dr. Mohammad Hoesin Palembang

Riwayat Pendidikan    :

NO

PENDIDIKAN

NAMA SEKOLAH

TAHUN IJAZAH

1

Sekolah Dasar

SD Giki Gubeng Surabaya

1974

2

Sekolah Menengah Pertama

SMP Negeri 1 Semarang

1977

3

Sekolah Menengah Atas

SMA Negeri 1 Palembang

1981

4

Dokter Umum

FK UNSRI

1989

5

Spesialis Patologi Anatomi

FK UNSRI

2008

6

Konsultan

Kolegium IAPI

2014

Curriculum Vitae

Nama                   : dr. Aida Farida, Sp.PA
NIP                    : 19630427 198911 2 001
NIDK/NIDN              : 8872620016
Status pegawai         : Kemenkes/Dosen Tetap
T.T.L                  : Palembang, 27 April 1963
Alamat                 : Jl. Sapta Marga Lr. Lestari Komp. Citra Damai 2 Blok  M -14 Rt. 039
Rw. 008 Kel. Bukit Sangkal Kec. Kalidoni Palembang
Email                  : aida_farida_w@yahoo.com
Tempat kerja           : RSUP Dr. Mohammad Hoesin Palembang

Riwayat Pendidikan    :

NO

PENDIDIKAN

NAMA SEKOLAH

TAHUN IJAZAH

1

Sekolah Dasar

SD Taman Siswa Palembang

1974

2

Sekolah Menengah Pertama

SMP N 01 Palembang

1977

3

Sekolah Menengah Atas

SMA N 21 Jakarta

1981

4

Dokter Umum

FK UNSRI

1989

5

Spesialis Patologi Anatomi

FK UNSRI

2008

Curriculum Vitae

Nama                    : dr. Wresnindyatsih, Sp.PA, Subsp, OGP (K)., M.Kes
NIP                     : 19710802 200212 2 001
NIDK/NIDN               : 8804620016
Status pegawai          : Kemenkes/Dosen Tetap
T.T.L                   : Kebumen, 02 Agustus 1971
Alamat                  : Jl. Melati No. 4124 Rt. 051 Rw. 009 Kel. Demang Lebar Daun
Kec. Ilir Barat I
Email                   : wresnindyatsih@yahoo.co.id
Tempat kerja            : RSUP Dr. Mohammad Hoesin Palembang

Riwayat Pendidikan    :

NO

PENDIDIKAN

NAMA SEKOLAH

TAHUN IJAZAH

1.

Sekolah Dasar

SD N I

1984

2.

Sekolah Menengah Pertama

SMPN III

1987

3.

Sekolah Menengah Atas

SMAN III

1990

4.

Dokter Umum

FK UNSRI

1997

5.

SP 1 PA

FK UNSRI

2010

6.

STRATA 2

FK UNSRI

2013

7.

KONSULTAN

Kolegium IAPI

2014

Curriculum Vitae

Nama                   : dr. Suly Auline Rusminan, Sp.PA, Subsp, DHB (K)
NIP                    : 19691007 200912 2 001
NIDK/NIDN              : 8833620016
Status Pegawai         : Kemenkes/Dosen Tetap
T.T.L                  : Sungai Gerong, 07 Oktober 1969
Alamat                 : Jl. Sapta Marga Komp. Citra Damai Ii Blok B-3 Rt. 041 Rw. 008
Kel. Bukit Sangkal Kec. Kalidoni Kota Palembang
Email                  : suly.auline@gmail.com
Tempat Kerja           : RSUP Dr. Mohammad Hoesin Palembang

Riwayat Pendidikan    :

NO

PENDIDIKAN

NAMA SEKOLAH

TAHUN IJAZAH

1.

Sekolah Dasar

Taman Siswa Sungai Gerong

1982

2.

Sekolah Menengah Pertama

Yaktapena 3 Sungai Gerong

1985

3.

Sekolah Menengah Atas

4.

Dokter Umum

FK UNSRI Palembang

1995

5.

Spesialis Patologi Anatomi

FK UNSRI Palembang

2011

6

Konsultan

Kolegium IAPI

2020

Curriculum Vitae

Nama                   : dr. Citra Dewi, Sp.PA, Subsp, OGP (K)
NIP                    : 19801205 201012 2 001
NIDK/NIDN              : 8831820016
Status Pegawai         : Kemenkes/Dosen Tetap
T.T.L                  : Palembang, 15 Desember 1980
Alamat                 : Jl. Bambang Utoyo, Lr. Cianjur I No. 665 B Rt : 05 Rw : 01
Kel. 5 Ilir Kec. Ilir Timur I Kab. Palembang
Email                  : citradewi@fkunsri.ac.id
Tempat Kerja           : RSUP Dr. Mohammad Hoesin Palembang

Riwayat Pendidikan    :

NO

PENDIDIKAN

NAMA SEKOLAH

TAHUN IJAZAH

1.

Sekolah Dasar

SDN 85 Palembang

1993

2.

Sekolah Menengah Pertama

SMPN 04 Palembang

1996

3.

Sekolah Menengah Atas

SMAN 05 Palembang

1999

4.

Dokter Umum

FK UNSRI

2005

5.

Spesialis Patologi Anatomi

FK UNSRI

2012

6.

Konsultan

Kolegium IAPI

2019

Curriculum Vitae

Nama                    : dr. Heni Maulani, Sp.PA, Subsp, OGP(K)
NIP                     : 19590914 198601 2 001
NIDK/NIDN               : 8828520016
Status pegawai          : Kemenkes/Dosen Tetap
T.T.L                   : Bandung, 14 September 1959
Alamat                  : Komp. RSMH Madang No. 26 Rt. 002 Rw. 007
Kel. Sekip Jaya Kec. Kemuning Palembang
Email                   : henimaulani@gmail.com
Tempat kerja            : RSUP Dr. Mohammad Hoesin Palembang

Riwayat Pendidikan    :

NO

PENDIDIKAN

NAMA SEKOLAH

TAHUN IJAZAH

1

Sekolah Dasar

SD Taman Siswa Palembang

2

Sekolah Menengah Pertama

SMP N 01 Palembang

3

Sekolah Menengah Atas

SMA N 21 Jakarta

4

Dokter Umum

FK UNPAD

1985

5

Spesialis Patologi Anatomi

FK UNPAD

1991

6

Konsultan

Kolegium IAPI

2012

Curriculum Vitae

Nama                   : dr. Aspitriani, Sp.PA
NIP                    : 197900921 200112 2 002
NIDK/NIDN              : 8892620016
Status pegawai         : Kemenkes/Dosen Tetap
T.T.L                  : Palembang, 21 September 1970
Alamat                 : Jl. Wirajaya V No. 116-32 Rt. 004 Rw. 003 Kel. Siring Agung
Kec. Ilir Barat I Palembang
Email                  : pipiterwin.2006@yahoo.com
Tempat kerja           : RSUP Dr. Mohammad Hoesin Palembang

Riwayat Pendidikan    :

NO

PENDIDIKAN

NAMA SEKOLAH

TAHUN IJAZAH

1

Sekolah Dasar

SD N 152

1983

2

Sekolah Menengah Pertama

SMP N 22

1986

3

Sekolah Menengah Atas

SMA N 3

1989

4

Dokter Umum

FK UNSRI

1997

5

Spesialis Patologi Anatomi

FK UNSRI

2011

Curriculum Vitae

Nama                   : dr. Mezfi Unita, Sp.PA, Subsp, KVRM, SP (K)
NIP                    : 19491224 197602 2 001
NIDK/NIDN              : 0024124905
Status Pegawai         : Dosen Luar Biasa
T.T.L                  : Jambi, 24 Desember 1949
Alamat                 : Jl. Kopral Umar Said No. 330 Palembang
Email                  : unitamezfi1949@gmail.com 
Tempat Kerja           : RSUP Dr. Mohammad Hoesin Palembang

Riwayat Pendidikan    :

No

PENDIDIKAN

NAMA SEKOLAH

TAHUN IJAZAH

1.

Sekolah Dasar

SD Negari 56 Palembang

1959

2.

Sekolah Menengah Pertama

SMP 03 Palembang

1965

3.

Sekolah Menengah Atas

SMA 02 Palembang

1968

4.

Dokter Umum

FK UNSRI

1975

5.

Spesialis Patologi Anatomi

FK UNPAD

1983

6.

Konsultan

Kolegium IAPI

2003

Curriculum Vitae

Nama                   : dr. Zulkarnain Musa, Sp.PA
NIP                    : 19520702 198110 1 002
NIDK/NIDN              : 0002075201
Status Pegawai         : Dosen Luar Biasa
T.T.L                  : Bajubang-Jambi, 02-07-1952
Alamat                 : Bukit sejahtera T.02 Bukit Lama Palembang
Email                  : - 
Tempat Kerja           : RSUP Dr. Mohammad Hoesin Palembang

Riwayat Pendidikan    :

No

PENDIDIKAN

NAMA SEKOLAH

TAHUN IJAZAH

1.

Sekolah Dasar

SD  Pertamina Bajubang Jambi

1964

2.

Sekolah Menengah Pertama

SMPN Bajubang Jambi

1967

3.

Sekolah Menengah Atas

SMAN 1 Jambi

1970

4.

Dokter Umum

FK UNSRI

1981

5

Spesialis Patologi Anatomi

FK UNSRI

2005

Curriculum Vitae

Nama                   : dr. Henny Sulastri, Sp.PA, Subsp, OGP (K)
NIP                    : 19490910 197710 2 001
NIDK/NIDN              : 0010094904
Status Pegawai         : Dosen Luar Biasa
T.T.L                  : Palembang, 10 September 1949
Alamat                 : Jl. Talang Banten 13 Ulu No. 05 Rt. 28 Palembang 30263
Email                  : hennylastri67@gmail.com  
Tempat Kerja           : RSUP Dr. Mohammad Hoesin Palembang

Riwayat Pendidikan    :

No

PENDIDIKAN

NAMA SEKOLAH

TAHUN IJAZAH

1.

Sekolah Dasar

SD  Perguruan Palembang

1962

2.

Sekolah Menengah Pertama

SMP  Perguruan Palembang

1965

3.

Sekolah Menengah Atas

SMA Xaverius III Palembang

1968

4.

Dokter Umum

FK UNSRI

1976

5.

Spesialis Patologi Anatomi

FK UNAIR

1987

6.

Konsultan

Kolegium IAPI

2003

Curriculum Vitae

Nama                   : dr. Susilawati, Sp.PA
NIP                    : 19711107 201412 2 001
NIDK/NIDN              : -
Status Pegawai         : Kemenkes/Dosen Luar Biasa
T.T.L                  : Sungai Gerong, 04 November 1971
Alamat                 : Jl. Hokky Campus Blok C No. 10 Rt. 020 Rw. 006 Kel. Lorok Pakjo
Kec. Ilir Barat I Kota Palembang
Email                  : susirominton@yahoo.co.id
Tempat Kerja           : RSUP Dr. Mohammad Hoesin Palembang

Riwayat Pendidikan    :

NO

PENDIDIKAN

NAMA SEKOLAH

TAHUN IJAZAH

1.

Sekolah Dasar

SD Tamansiswa III Palembang

1984

2.

Sekolah Menengah Pertama

SMP N 16 Palembang

1987

3.

Sekolah Menengah Atas

SMP N 8 Palembang

1990

4.

Dokter Umum

FK UNSRI

1998

5.

Spesialis Patologi Anatomi

FK UNSRI

2014

Curriculum Vitae

Nama                   : dr. Nursanti Apriyani, Sp.PA.,MARS
NIP                    : 19650401 199803 2 001
NIDK/NIDN              : -
Status Pegawai         : Dosen Luar Biasa
T.T.L                  :
Alamat                 :
Email                  : - 
Tempat Kerja           : RS A.K. Gani Palembang

Riwayat Pendidikan    :

No

PENDIDIKAN

NAMA SEKOLAH

TAHUN IJAZAH

1.

Sekolah Dasar

2.

Sekolah Menengah Pertama

3.

Sekolah Menengah Atas

4.

Dokter Umum

Curriculum Vitae

Nama                   : dr. Maria Ulfa, Sp.PA
NIP                    : 19801224 200604 2 008
NIDK/NIDN              : -
Status Pegawai         : Dosen Luar Biasa
T.T.L                  : Muaradua, 24 Desember 1980
Alamat                 : Perum.Grandhill Residence 2 Blok A17 Kel. Bukit Lama
Kec.Ilir Barat 1 Palembang
Email                  : yaya_80@yahoo.com
Tempat Kerja           : RSUD Siti Fatimah Prov.Sumsel

Riwayat Pendidikan    :

No

PENDIDIKAN

NAMA SEKOLAH

TAHUN IJAZAH

1.

Sekolah Dasar

SD N 2 Muaradua OKUS

2.

Sekolah Menengah Pertama

SMP N 1 Muaradua OKUS

3.

Sekolah Menengah Atas

SMU Al-Kautsar Bandar Lampung

4.

Dokter Umum

FK UNSRI

5

Spesialis Patologi Anatomi

FK UNSRI

Curriculum Vitae

Nama                   : dr. Nyiayu Fauziah Kurniawaty, Sp.PA
NIP                    : -
NIDK/NIDN              : -
Status Pegawai         : Dosen Luar Biasa
T.T.L                  : Jakarta, 19 Oktober 1982
Alamat                 : Jalan Rambutan No. 17 Palembang
Email                  : dokter_cici@yahoo.com    
Tempat Kerja           : Rumah Sakit Pelabuhan Palembang

Riwayat Pendidikan    :

No

PENDIDIKAN

NAMA SEKOLAH

TAHUN IJAZAH

1.

Sekolah Dasar

MI Teladan Palembang

1994

2.

Sekolah Menengah Pertama

SMP Negeri 1 Palembang

1997

3.

Sekolah Menengah Atas

SMA Negeri 2 Palembang

2000

4.

Dokter Umum

FK UNSRI

2007

5

Spesialis Patologi Anatomi

FK UNSRI

2019