ANALISIS RISIKO OPERASIONAL PADA DIVISI MARKETING NON CAPTIVE DI PT ASURANSI ASKRIDA SYARIAH

Salsabila Rosnida Widyanti, Wahyuari Wahyuari, Y. Jhony Kurniawan

Abstract


Risk is an absolute thing in every industrial business. Risks can also arise from various sources. The problem is how to minimize this risk. Mitigating these risks can be done in various ways and managing these various ways of overcoming these risks is called risk management. The purpose of this study is to analyze and identify operational risks, to determine the impacts that arise, and to find out what actions need to be taken as anticipation and prevention of operational risks that may arise at PT. Askrida Sharia Insurance. Data analysis used in this study uses a risk matrix. Data collection techniques used in this study were interviews and observation. The results of the study show that the operational risks that occur at PT. Askrida Syariah Insurance covers reputation risk which includes differences in contributions (premiums) with third parties, third parties do not understand the contents of the PKS (Cooperation Agreement) with PT Asuransi Askrida Syariah, especially in exceptions, delays in information regarding policy renewals, then productivity risks include delays in responses from external parties, incomplete participant data, Branch Offices do not fulfill the required documents when submitting applications related to Ex Gratia, Entertainment, and Sponsorship, Branch Offices do not understand detailed information related to Sponsorship, Ex Gratia and Entertainment requests, Delays in inputting policy, the risk of placing reinsurance which results in PT Asuransi Askrida Syariah getting more losses and system risk which includes network and system errors. From the calculations carried out in the study, it can be seen that the risk that needs to be prioritized for control is regarding the risk of reinsurance placement which results in PT Asuransi Askrida Syariah getting more losses.

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