Article Per Year (5 Year)
p-Index From 2021 - 2026
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This Author published in this journals
All Journal Community Engagement and Emergence Journal (CEEJ) Journal of Social Research
Ashar Ashar
Sekolah Tinggi Manajemen Asuransi Trisakti
Humanities Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Health Professions Social Sciences

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Analysis of Human Factors, Leadership Ethics, and Risk-Aware Culture in Indonesian General Insurance Underwriting Practices Ashar Ashar; Franciskus Antonius Alijoyo
Journal of Social Research Vol. 5 No. 2 (2026): Journal of Social Research
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/josr.v5i2.3012

Abstract

This study aims to understand the relationship between human factors, ethical leadership, and a risk-aware culture in underwriting practices in the general insurance industry in Indonesia. The study uses a descriptive qualitative approach with secondary data sources derived from previous research, insurance industry reports, and articles from national and international mass media. Analysis is conducted using a thematic approach by examining narratives and patterns of relationships between concepts. The results show that the quality of human resources and ethical leadership are key to establishing an effective risk-aware culture. These findings emphasize the importance of risk governance oriented towards ethical behavior and organizational learning in the general insurance sector in Indonesia.
Transformasi Budaya Risiko “Formalistik” Menjadi “Substantif” Pada Proses Underwriting Asuransi Umum Berbasis Learning Organization Di Bri Insurance Ashar Ashar; Salim Al bakri
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 6 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/8smfq697

Abstract

Penelitian ini bertujuan menganalisis transformasi budaya risiko dari pendekatan formalistik menuju substantif pada proses underwriting asuransi umum di BRI Insurance melalui penerapan prinsip learning organization. Budaya risiko formalistik yang berorientasi pada kepatuhan prosedural dinilai belum mampu mendukung kualitas pengambilan keputusan underwriting secara optimal. Penelitian ini mengeksplorasi bagaimana pembelajaran berkelanjutan, berbagi pengetahuan, refleksi pengalaman klaim, serta penguatan kepemimpinan dan komunikasi risiko dapat membangun budaya risiko yang lebih substantif. Pendekatan tersebut diharapkan mendorong underwriter untuk tidak hanya memenuhi persyaratan administrasi, tetapi juga memahami profil risiko secara komprehensif dan melakukan penilaian risiko yang lebih berkualitas. Hasil penelitian menunjukkan bahwa penerapan learning organization berkontribusi terhadap peningkatan kesadaran risiko, kualitas underwriting, efektivitas pengendalian risiko, serta keberlanjutan kinerja perusahaan.
Co-Authors Franciskus Antonius Alijoyo Salim Al bakri