Manajemen Risiko Dan Asuransi, ADBI4211

 

Qkhdfdo jej`erkfdo sdtu (4) alotlb rkskfl mkdfk`dtfdo fdreod 7 d. fehdhdkdo6 `. feseocdgddo6 a. omdfdo fegdbdtdo. GDSD@DO

Pkskfl mdhdj `er`dcdk `eotuf mdo suj`eroyd jerupdfdo fljploeo ydoc tdf terpksdbfdo mdrk setkdp dftkvktds efloljk. Pkskfl dmdhdb`eotuf fedmddo fetkmdfpdstkdo teotdoc sudtu fedmddo ydoc dfdo tergdmk odotkoyd (iuture) meocdo feputusdo ydoc mkdj`kh `ermdsdrfdo `er`dcdk pertkj`docdo pdmd sddt kok. Pkskfl ydoc `erdsdh mdrk jdouskd mdpdt `erupd fehdhdkdo, feseocdgddo `dbfdo tkomdfdo fegdbdtdo. Sdhdu mdhdj `e`erdpd bdh rkskfl mejkfkdo mdpdt mkaecdb, tetdpk tkmdf dmd fepdstkdo bdh terse`ut mdpdt jeocbkhdocfdo rkskfl ydoc setkdp sddt mdpdt tergdmk, jeockocdt seselrdoc tkmdf mdpdt jeocudsdk dtdu jeocetdbuk meocdo  pdstk, febeomdf febeomdf ddtdu tdu tkomd tkomdfdo fdo lrdo lrdoc c hdko. d. fehdhdkdo  Qe`dcdk alotlb fdsus feaehdfddo hdhu hkotds mdpdt mkhkbdt pdmd fdsus Dprkdok Qusdotk, perejpudo `eruskd 0; (mud puhub sej`khdo) tdbuo kok jeoewdsfdo ; (sej`khdo) lrdoc mk mderdb ]ucu ]dok, Gdfdrtd. Mdhdj fdsus kok Dprkydok ydoc sddt

kok sumdb mkputus jehdhuk ^utusdo ^eocdmkhdo Oecerk Gdfdrtd ^usdt Ol. 995/^km.@/0>40/^O.GF].^Q]., tdoccdh 0; Dcustus 0>40, perodb mkmdfwdfdo meocdo ^dsdh 112 FUB^ teotdoc ^ej`uoubdo meocdo doadjdo 45 (hkjd `ehds) tdbuo peogdrd. Dprkydok gucd mkgerdt meocdo ^dsdh 14> mdo ^dsdh 144 UomdocUomdoc Ol. 00 ]dbuo 0>>; teotdoc Hdhu Hkotds mdo Docfutdo Gdhdo ydoc doadjdo bufujdo jdfskjdhoyd 40 (mud `ehds) tdbuo. Uotuf fdsus peoydhdbcuoddo odrfltkfdoyd, Dprkydok `ersdjd fetkcd tejdooyd mkgerdt meocdo ^dsdh 440 Gl. ^dsdh 410 Qu`skmer ^dsdh 403 Uomdoc-Uomdoc Ol. 15 ]dbuo 0>>; teotdoc  Odrfltkfd  Odrfltk fd meocd meocdo o doadjd doadjdo o bufujd bufujdooyd ooyd = (e (ejpdt) jpdt) tdb tdbuo, uo, gucd tehdb mk mkputus putus jehdhuk ^utusdo ^eocdmkhdo ]kocck MFK Gdfdrtd Ol. =3/^km/0>41/^].MFK, tdoccdh 1 Dprkh 0>41. Mdrk `erjdadj `doydf fegdmkdo feaehdfddo mdpdt mkdj`kh cdrks  `esdr `dbwd `dbwd idftlr peocdrub l`dt-l`d l`dt-l`dtdo tdo terhd terhdrdoc, rdoc, fehe fehehdbdo hdbdo mdo furdoc fe febdtkbdtkbdtkdo peocejumk ydoc jejkau feaehdfddo. Idftlr jdouskd jerupdfdo peoye`d` utdjd tergdmkoyd feaehdfddo hdhu hkotds mk gdhdo rdyd. Bdh terse`ut tergdmk fdreod dmdoyd feaerl`lbdo dtdu fedhpddo peocejumk mdhdj jeocejumkfdo feomdrddooyd.1Feaerl`lbdo peocejumk terse`ut tkmdf gdrdoc jeokj`uhfdo flr`do, `dkf flr`do jeomerktd hufd `erdt dtdu flr`do jeokoccdh muokd `dbfdo tkmdf gdrdoc jereoccut gkwd peocejumkoyd seomkrk. @e`erdpd feaehdfddo hdhu hkotds ydoc tergdmk, se`eodroyd mdpdt mkbkomdrk `khd mk dotdrd peoccuod gdhdo `ksd  `erprkhdfu  `erprkhdf u mkskphk mkskphko, o, slpdo mdo sdhko sdhkoc c jeocblrj jeocblrjdtk. dtk. Mkj Mkjdod dod peoc peoccuoddo cuoddo ggdhdo dhdo terse`ut mk dtur mdhdj Uomdoc-Uomdoc Ol. 00 ]dbuo 0>>; teotdoc Hdhu Hkotds mdo Docfutdo Gdhdo. `. feseocdgddo 

Mdhdj `erhdhu hkotds gucd mkfeodh meocdo dmdoyd feseocdgddo mdo fehdhdkdo. Fe`doydfdo rujusdo tkomdf pkmdod, uosur feseocdgddo dtdu ydoc mkse`ut meocdo

 

lpzet jerupdfdo sdhdb sdtu uosur ydoc terpeotkoc. Fdktdooyd meocdo uosur feseocdgddo kok, jdfd dpd`khd mk mdhdj sudtu rujusdo tkomdf pkmdod termdpdt  per`udtdo  per`udtd o meocdo seocdgd dtdu `kd `kdsd sd mkse` mkse`ut ut meocd meocdo o lpzette lpzettehkgf, hkgf, jdfd uosur meocdo seocdgd kok jeocudsdk dtdu jehkputk sejud uosur hdko ydoc mktejpdtfdo mk`ehdfdocoyd mdo bdrus mk`uftkfdo. Mksdjpkoc uosur feseocdgddo mk dtds, dmd  puhd ydoc ydoc mkse` mkse`ut ut se`dcd se`dcdkk uosur fe fehdhdkdo hdhdkdo ddtdu tdu fedh fedhpddo pddo dtd dtdu u auhpd. M Mdhdj dhdj mlf mlftrko trko bufuj pkmdod mkse`ut fedhpddo ydoc tkmdf mksdmdrk dtdu lo`ewuste sabuhm mdo fedhpddo mksdmdrk dtdu `ewuste sabuhm. Mkjdod mdhdj uosur kok idftlr terpeotkocoyd dmdhdb pehdfu mdpdt jeomucd tergdmkoyd dfk`dt mdrk per`udtdooyd ktu dtdu pehdfu furdoc `erbdtk-bdtk. Uosur terpeotkoc mdhdj auhpd (fehdhdkdo) dmdhdb  pehdfu jejpuoyd jejpuoydkk fesdmdrd fesdmdrdo o dtdu p peocetdbu eocetdbudo do ydoc jdod peh pehdfu dfu sebd sebdrusoyd rusoyd mdpdt jej`dydocfdo dfdo dmdoyd dfk`dt ydoc mktkj`uhfdo mdrk per`udtdooyd, dtdu meocdo fdtd hdko `dbwd pehdfu mdpdt jeomucd `dbwd dfk`dt mdrk  per`udtdooyd  per`udtd ooyd ktu dfdo jeok jeokj`uhfdo j`uhfdo sudtu df dfk`dt k`dt ydo ydoc c mdpdt m mkbufuj kbufuj mdo mkhd mkhdrdoc rdoc lheb uomdoc-uomdoc. Fdktdooyd meocdo feaehdfddo hdhu hkotds dmdhdb mdhdj bdh peocejumk feomdrddo  `erjltlr hdhdk hdhdk mdhd mdhdj j jeogdc jeogdcdd fesehdj fesehdjdtdo dtdo mkrk mkrkoyd oyd mdo lrdoc hdk hdko. o. Fdreod se`dcdk alotlb dpd`khd peocejumk jd`uf sepertk Dprkydok Qusdotk ydoc jdskb sdgd jejdfsdfdo uotuf jeocejumkfdo feomdrddo `erjltlr, drtkoyd Dprkydok Qusdotk sumdb gehds jeocetdbuk dfdo tergdmk feaehdfddo fdreod fesdmdrdooyd `erfurdoc dfk`dt l`dt-l`dtdo terhdrdoc. Bu`uocdo kokhdb ydoc dfdo mk`dbds mdhdj peoehktkdo kok. Qehdogutoyd gucd mk`dbds jeoceodk uosur feseocdgddo ydoc mdpdt mkterdpfdo mdhdj pejkmdoddo feaehdfddo hdhu hkotds mdo uosur pejkmdoddo ydoc mdpdt mkterdpfdo mdhdj feaehdfddo hdhu hkotds ydoc jeocdfk`dtfdo fejdtkdo terbdmdp uosur feseocdgddo. a. tkomdfdo fegdbdtdo  ‘Bu`uocdo Dotdrd Feseocdgddo ]erbdmdp ^ertdoccuocgdwd`do ^kmdod Mdhdj Fdsus Feaehdfddo Hdhu Hkotds mk Gdhdo [doc Jeoye`d`fdo Bkhdocoyd Oydwd Lrdoc Qeselrdoc‚ jerupdfdo se`udb tkomdfdo fegdbdtdo yc mk hdfufdo fdreod fehdkdo mdo feseocdgddo. seocdgd jeocejumkfdo feomdrddo ydoc jej`dbdydfdo oydwd dtdu `drdoc tdpk jeocetdbuk mkrkoyd `erdmd mdhdj peocdrub dhflblh dtdu jeocdotuf, sebkoccd mdpdt jeocbkhdocfdo oydwd seselrdoc mdo terjdsuf mdhdj se`udb tkomdfdo fegdbdtdo yc mkhdfufdo `ermdsdrfdo fehdhdkdo mdo tdopd feseocdgddo.