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Subrata, Agus
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Economics, Econometrics & Finance Social Sciences

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PEMAHAMAN RISK CONTROL MELALUI TRANSFER DI PT SINERGI INDONESIA Ardiansyah, Tedy; Subrata, Agus
Premium Insurance Business Journal Vol. 7 No. 1 (2020): PREMIUM INSURANCE BUSINESS JOURNAL
Publisher : P3M Trisakti School of Insurance (TSI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (679.495 KB)

Abstract

Besarnya risiko yang terjadi di dunia transportasi mempunyai hubungan dengan perusahaan logistik. Namun sayangnya hanya beberapa perusahaan logistik yang memahami perlindung risiko atau risk protection dari operasional kegiatan. Tujuan Penelitian ini untuk mengetahui antara lain: Mengetahui Model pengantisipasin risiko di perusahaan Logistik. Dimana Tools yang digunakan adalah Risk Transfer (Asuransi), Risk Management, Pemahaman Risk Control dan Risiko Terjadi. Maksud Risiko terjadi, mitigasi dilakukan post accident. Metode penelitian yang digunakan yaitu Penelitian yang menggunakan metode penelitian kualitatif, Teknik pengumpulan data mengunakan triangulasi data, teknik sampling berupa Purposive Sampling. Hasil yang didapat dari penelitian ini adalah: Dari hubungan Asosiasi cluster, hubungan antara Risk Transfer (asuransi), Pemahaman Risk Control dan Risk Management menghasilkan hubungan asosiatif yang kuat dengan Risk Transfer (Asuransi). Sebaliknya untuk Risiko Terjadi tidak mempunyai hubungan asosiatif dengan ketiga bagian lainnya yaitu Risk Transfer (Asuransi), Risk Management dan Pemahaman Risk Control. Implikasi dari penelitian ini perusahaan PT Sinergi Logistik Indonesia mampun secara baik melakukan pemahaman risk control melalui risk transfer sehingga perusahaan mampu secara optimal melakukan kegiatan operasional tanpa mengkhawatirkan risiko yang terjadi.
PERLINDUNGAN KONSUMEN BROKER ASURANSI MENGHADAPI KETENTUAN MODAL MINIMUM PERUSAHAAN 2026 Robidi, Robidi; Subrata, Agus; Ihsan, Muhamad; Kiatin, Desi Roro
JURNAL LENTERA BISNIS Vol. 15 No. 1 (2026): JURNAL LENTERA BISNIS, JANUARI 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i1.2095

Abstract

The minimum capital requirement for insurance companies planned to be implemented in 2026 constitutes a key element of prudential regulatory reform aimed at strengthening solvency and ensuring the stability of the insurance industry. However, this policy may generate indirect yet significant implications for consumer protection mechanisms, particularly through the role of insurance brokers as independent intermediaries. This study aims to comprehensively analyze the impact of the 2026 minimum capital requirement on consumer protection as exercised through insurance brokers, while linking regulatory developments to brokers’ empirical performance conditions during the 2023–2025 period. The research employs a qualitative approach using a juridical-empirical and policy analysis framework, drawing on regulatory documents and high-quality international academic literature. The findings indicate that stricter capital requirements tend to accelerate market consolidation and narrow brokers’ operational space in product comparison, policy negotiation, and consumer assistance. Such structural pressures may weaken brokers’ substantive independence and diminish their effectiveness as consumer protection instruments. The study concludes that consumer protection in the insurance sector cannot rely solely on insurers’ financial strength but must also be supported by a regulatory framework that preserves and strengthens the role of insurance brokers through proportional and risk-based regulatory approaches.
Co-Authors Ardiansyah, Tedy Kiatin, Desi Roro Muhamad Ihsan, Muhamad Robidi, Robidi