ANALISIS RISIKO PADA PENELITIAN MANAJEMEN RISIKO & STUDI KASUS ASURANSI

Summary

This video presents a detailed analysis of risk management in the car rental business, focusing on CV Mawar Rental Car. The research identifies key operational risks such as vehicle damage, late returns, and theft, and assesses their potential impact. Mitigation strategies, including vehicle insurance, routine maintenance, and driver training, are recommended. The study also delves into insurance principles like contribution and subrogation, illustrated through a case study with PT Asuransi Aksa Indonesia and PT Asuransi Buana Independen. The research highlights how these principles help companies manage financial risks and ensure fair compensation in the event of claims.

Takeaways

• 😀 The research focuses on analyzing risks faced by CV Mawar Rental Car, with the aim to identify potential operational risks and strategies for mitigation.
• 😀 The research method used is quantitative, involving data collection and numerical analysis to identify and evaluate risks.
• 😀 Key operational risks identified include vehicle damage, late returns, vehicle theft, vehicle depreciation, legal claims, demand fluctuations, and cash flow management.
• 😀 Vehicle damage and theft are identified as the most significant risks for the company, with a high potential impact.
• 😀 Mitigation strategies proposed include vehicle and passenger insurance, routine maintenance, driver training, automated billing systems, flexible pricing, and digital document management.
• 😀 The research also emphasizes the importance of understanding how risks affect business success and how to minimize them.
• 😀 The study develops analytical skills for assessing and solving complex business challenges related to risk management.
• 😀 The researcher contributed significantly to the project by working on risk analysis, process flow diagrams, and editing the article, contributing 70% to the journal's completion.
• 😀 A case study on insurance principles in maritime transport explores the application of contribution and subrogation in claims involving multiple insurance policies.
• 😀 The conclusion of the maritime insurance case study highlights how the principle of contribution is applied when multiple insurance policies cover the same object, preventing double recovery.
• 😀 The study helps in understanding the application of contribution and subrogation principles in insurance, particularly in maritime transport, and emphasizes legal compliance in insurance agreements.

Q & A

What is the primary goal of the research conducted by Pangaribuan and their team?

The primary goal of the research is to identify and assess potential risks faced by CV Mawar Rental Car, in order to help the company make informed decisions and take preventive actions against these risks.

What methodology did the researchers use to conduct their study?

The researchers used a quantitative methodology, involving data collection and numerical analysis to identify and analyze the risks faced by CV Mawar Rental Car.

What are some of the operational risks identified in the research?

The operational risks identified include vehicle damage, delayed vehicle returns, vehicle theft, depreciation, legal claims, demand fluctuations, and cash flow management issues.

How did the researchers assess the potential impact of each risk?

Each risk was assigned a score from 1 to 5, with 5 indicating a high impact. The researchers assessed risks such as vehicle damage and legal claims as having very high potential impacts, while issues like delayed returns were rated as moderate.

What strategies did the researchers recommend to mitigate these risks?

The strategies include vehicle and passenger insurance, regular vehicle maintenance, driver training, automated billing systems, flexible pricing, and digital document management.

What benefit does the study provide to students?

The study helps students develop skills in risk identification, evaluation, and mitigation, while also deepening their understanding of how risks affect business success and how to manage them effectively.

What specific contribution did Pangaribuan make to the research?

Pangaribuan contributed by working on the data results and discussions, including identifying operational risks, creating risk identification process diagrams, and editing the article to fit the required format.

What was the second topic discussed in the research besides risk analysis for CV Mawar Rental Car?

The second topic discussed was the application of the principles of contribution and subrogation in marine cargo insurance, using a case study from PT Aksa Indonesia and PT Asuransi Buana Independensia.

What is the principle of contribution in insurance, and how was it applied in the case study?

The principle of contribution applies when multiple insurance policies cover the same risk. In the case study, PT Aksa Indonesia and PT Asuransi Buana Independensia jointly covered a cargo claim, splitting the payment based on their respective shares.

How did subrogation play a role in the case study involving PT Aksa Indonesia and PT Asuransi Buana Independensia?

Subrogation allows the insurer to seek reimbursement from a third party responsible for the loss. However, in this case, subrogation could not be applied due to the presence of two insurance policies for the same object, making only the principle of contribution relevant.