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Journal : Journal of Social Research

Analysis of Human Factors, Leadership Ethics, and Risk-Aware Culture in Indonesian General Insurance Underwriting Practices Ashar, Ashar; Alijoyo, Franciskus Antonius
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.