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
Franciskus Antonius Alijoyo
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.
Managing Emerging Artificial Intelligence Risks through Enterprise Risk Management, Risk Governance, and Risk Leadership: A Conceptual Framework for Health Insurance Organizations Rafyanti Widyarini; Franciskus Antonius Alijoyo
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 1 (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/ceej.v7i1.11558

Abstract

The adoption of Artificial Intelligence (AI) in health insurance organizations has significantly transformed core operational processes such as underwriting, claims management, fraud detection, and customer analytics. While AI enhances efficiency and decision-making accuracy, it simultaneously introduces emerging risks that are complex, dynamic, and difficult to manage using traditional risk management approaches. These risks include algorithmic bias, lack of transparency, data privacy breaches, model drift, and increasing organizational dependency on automated decision systems. This study develops a conceptual framework for managing emerging AI risks in health insurance organizations through the integration of Enterprise Risk Management (ERM), risk governance, and risk leadership. The research employs a qualitative conceptual approach supported by a structured literature synthesis of Scopus-indexed journals and authoritative institutional reports. The theoretical foundation is grounded in COSO ERM (2017), ISO 31000:2018, and the NIST Artificial Intelligence Risk Management Framework (2023), complemented by recent literature on AI governance and risk leadership in high-stakes industries. The findings suggest that effective management of AI-related risks requires a multi-layered approach. Enterprise Risk Management provides a structured mechanism for risk identification, assessment, and mitigation. Risk governance ensures accountability, regulatory compliance, and ethical oversight in AI deployment. Meanwhile, risk leadership plays a critical role in shaping organizational culture, promoting ethical awareness, and ensuring cross-functional alignment in decision-making processes. The integration of these three dimensions forms a comprehensive framework that enhances organizational resilience in managing AI-driven uncertainties in the health insurance sector. 
Co-Authors Ashar Ashar Rafyanti Widyarini