Analisis Risiko dan evaluasi strategi retakaful treaty asuransi properi pada perusahaan asuransi umum syariah di Indonesia

Hermawan, Iwan (2021) Analisis Risiko dan evaluasi strategi retakaful treaty asuransi properi pada perusahaan asuransi umum syariah di Indonesia. Masters thesis, IPB University.

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Abstract

Reinsurance sharia or known as the Retakaful is "The risk management business based on sharia principles for the risks faced by the sharia general insurance companies". Sharia general insurance companies need to reinsure the risk accumulation for the risk sharing services they receive from the insurance participants, especially for catastrophic risks. For this reason, a Retakaful treaty program is needed. So that if there is a claim that exceeds the the sharia general insurance company’s retention, they can obtain the claim recovery from the reinsurers. Based on the description of the Retakaful business process scheme there is a slight difference between conventional reinsurance practice with Retakaful namely: that in the Retakaful, the reinsurance mechanism is called as a risk sharing so in the risk management, the sharia insurance company as the ceding company must share the wakalah fee to the sharia reinsurance company. Whereas in the conventional reinsurance, the mechanism is called as a risk transfer. The conventional reinsurance company will instead give a reinsurance commission to the insurance company that has given its business. In determining the Retakaful treaty program such as: Quota share, Surplus or Excess of Loss, the reinsured must consider its retention capacity and calculate the capital to bear the risk. Sharia general insurance companies must also pay attention to the level of liability aggregation of the amount of risk received that is exposed to the same potential loss. From the results of the implementation of the Property Insurance Retakaful treaty program, there are problems, solutions and actions in view of both underwriting and claim handling aspects. The risks covered in the retakaful treaty namely FLEXAS are analyzed using the Risk Management standard ISO 31000 – 2009 framework. The result are: the Fire risk (F) due to the short circuit having a risk score of 4 or Low, while other risks (LEXAS) such as: Lightning, Explosions, Aircraft Fall and Smoke score 1 or Acceptable. The risk treatment for FLEXAS low and acceptable risk assessment criteria can be mitigated in the form of adequate control. This research also evaluate the existing strategy of the company in respect of optimizing the Retakaful treaty of Property Insurance. The results of the alternative strategy is Progressive (in quadrant I SWOT analysis) where as it is possible to continue to expand, increase growth and achieve maximum progress. The strategy in accordance with the results of the analysis of the company's position is Growth and Build (in quadrant II IE Matrix). The suitable strategies are: intensive, forward, backward and horizontal integration. The company's priority strategy namely: Product Development, Market Development and Market Penetration (using QSPM Matrix).

Item Type: Thesis (Masters)
Additional Information: Softfile Fulltext silahkan download di Official URL
Uncontrolled Keywords: asuransi properti, FLEXAS, retakaful, strategi, treaty FLEXAS, insurance property, retakaful, strategy, treaty, SWOT analysis
Subjects: Manajemen Strategi
Depositing User: SB-IPB Library
Date Deposited: 11 Nov 2022 04:09
Last Modified: 12 Nov 2022 01:33
URI: http://repository.sb.ipb.ac.id/id/eprint/3915

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