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All Journal Syntax Idea Jurnal Ekonomi Manajemen Akuntansi Journal of Islamic Economics and Finance Moneter : Jurnal Ekonomi dan Keuangan Brilliant International Journal of Management and Tourism
Pristiwanto Bani
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Aerospace Engineering Agriculture, Biological Sciences & Forestry Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Penggunaan Metode Analisis Risiko Dalam Proses Optimasi Profit Untuk Mengelola Ketidakpastian Bisnis Pristiwanto Bani; Soegeng Wahyoedi; Melitina Tecoalu
Syntax Idea 1223-1231
Publisher : Ridwan Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/syntax-idea.v6i3.3106

Abstract

Business uncertainty is something that cannot be avoided in the business world. This uncertainty can be caused by various factors, such as economic, political, technological and social changes. Business uncertainty can cause profit fluctuations and can even result in losses for the company. The aim of this research is to explore the use of risk analysis methods in the profit optimization process to manage business uncertainty. This research uses a qualitative approach. The data collection technique in this research is literature study. The data that has been collected is then analyzed in three stages, namely data reduction, data presentation and drawing conclusions. The research results show that the use of risk analysis methods in the profit optimization process can help companies identify, evaluate and manage business uncertainty more effectively. Risk analysis methods allow companies to better understand potential risks that can affect profitability, as well as design strategies to reduce or manage these risks.
Tinjauan Literatur Perbandingan Internasional atas Asuransi Wajib Kendaraan Bermotor : Pelajaran bagi Indonesia Pristiwanto Bani
Moneter : Jurnal Ekonomi dan Keuangan Vol. 3 No. 1 (2025): Januari : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v3i1.1191

Abstract

This study aims to analyse the trends and best practices of compulsory motor vehicle insurance in various countries as a lesson for Indonesia. The method used is literature observation with the traditional literature review method of articles published in international journals and practices that have been carried out by several selected countries, namely England, Germany, Kenya, India, Japan, the United States, Malaysia, Singapore and Australia. The results of the analysis show findings that most countries implement a compulsory motor vehicle insurance system. This insurance aims to provide financial protection to accident victims and encourage legal compliance among vehicle owners. Although this policy has provided significant benefits, such as reducing the financial burden on victims and more efficient dispute resolution, challenges such as high premiums, the complexity of the claims process, and uninsured vehicles still need to be overcome. The application of digital technology, including blockchain, is expected to increase transparency and efficiency in the claims process. Thus, this article highlights the importance of continuous improvement in the compulsory insurance system to ensure fair and effective protection for all parties involved. Based on these international practices, several recommendations for Indonesia include: strengthening mandatory insurance regulations, implementing technology in the insurance management system, increasing public insurance literacy, and developing policies that anticipate the emergence of autonomous vehicles. This study highlights the importance of learning from international experiences in developing an effective and sustainable compulsory motor vehicle insurance system in Indonesia.
Inovasi Produk Asuransi Syariah : Tinjauan Literatur terhadap Tren Pasar dan Preferensi Konsumen Pristiwanto Bani
Journal of Islamic Economics and Finance Vol. 3 No. 1 (2025): Februari: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v3i1.2341

Abstract

This study aims to conduct a narrative review of the Sharia insurance product innovation literature, focusing on market trends and consumer preferences. This study is intended to provide a comprehensive understanding of the current developments in the Sharia insurance industry and identify opportunities for future product innovation. This literature review uses a narrative literature review method, conducted using academic databases from leading books and articles such as Scopus, Google Scholar and Web of Science. Searches using the keywords “product innovation,” “sharia insurance or takaful,” “market trends,” and “consumer preferences” resulted in a selection of relevant articles, which were then analyzed and categorized based on the main themes of sharia insurance market trends, consumer preferences, and product innovation. The review period covers publications from 2015 to 2024 to capture the current dynamics in the industry. The review results show a significant increase in interest in sharia insurance, especially after the global financial crisis. Market trends show a steady growth in adopting Sharia insurance across countries, with increasing consumer preference for products under Islamic principles. Product innovation has evolved from traditional models such as Mudarabah and Wakalah to more sophisticated approaches, including hybrid and Waqf-based products. The study also reveals the need for more diverse products tailored to the specific needs of local markets. The review highlights the need for further research on innovative Takaful product development. Sharia Insurance companies need to focus on better understanding consumer preferences and developing products that comply with Shariah principles and offer competitive added value. In addition, there is a need to explore the integration of digital technologies in the development and distribution of Takaful products. The study provides a comprehensive view of the current landscape of product innovation in the Takaful industry, emphasising market trends and consumer preferences. The review not only fills the gap in the existing literature but also provides a foundation for future research in this emerging field.
Dampak ESG terhadap Model Underwriting Asuransi Umum: Tinjauan Literatur atas Perubahan Regulasi dan Praktik Industri Pristiwanto Bani; Robidi Robidi
Jurnal Ekonomi Manajemen Akuntansi Vol. 31 No. 1 (2025): JURNAL EKONOMI MANAJEMEN AKUNTANSI
Publisher : sekolah Tinggi Ilmu Ekonomi Dharma Putra Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59725/ema.v31i1.222

Abstract

This article discusses the impact of Environmental, Social, and Governance (ESG) integration on the general insurance underwriting model. This study used a Narrative Literature Review (NLR) to review relevant literature. The NLR review was conducted on scientific publications, industry reports, regulatory documents related to ESG, and general insurance underwriting from 2019 to 2025. The reviewed literature shows that adopting ESG factors in the underwriting process changes risk assessment and creates more sustainable practices in the insurance industry. The analysis results show that companies with higher ESG scores have better underwriting performance and attract more investment while increasing stakeholder trust, including an increasing trend of ESG factor integration into the underwriting process, especially in risk assessment and premium determination. Regulatory changes encourage insurance companies to adopt underwriting practices that consider more environmental and social aspects. This study also identifies challenges in implementation, including the limited standardized ESG data and the need to increase human resource capacity. The implications of this study provide insights for regulators and industry players in developing underwriting policies and strategies that are more responsive to ESG issues, as well as highlighting opportunities for ESG-based insurance product innovation in the future.
Beyond Risk Transfer: Rethinking Dynamic Capabilities as the Foundation of Innovation in General Insurance Compa-nies Pristiwanto Bani; Ratih Anggoro Wilis
Brilliant International Journal Of Management And Tourism Vol. 5 No. 2 (2025): June : Brilliant International Journal Of Management And Tourism
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/bijmt.v5i2.4418

Abstract

General insurers are currently facing increasingly complex pressures as a result of accelerating digital disruption, rising customer expectations, and global risk dynamics. Amid these conditions, the traditional approach, which focuses on the primary function of risk transfer, is no longer considered sufficient to ensure long-term sustainability and competitiveness. This article aims to review the concept of dynamic capabilities as a strategic foundation in driving innovation in general insurance companies. Using the Narrative Literature Review (NLR) method, this study identifies three main dimensions of dynamic capabilities: sensing, seizing, and transforming, which play a crucial role in enhancing organizational responsiveness to market changes, technological opportunities, and external uncertainties. The results of the study show that insurance companies that can develop and integrate dynamic capabilities sustainably tend to be more adaptive and innovative in creating products, business models, and service strategies that meet future needs. The implementation of dynamic capabilities not only strengthens the company's competitiveness but also shifts the paradigm from just risk transfer to value co-creation. This research makes a theoretical contribution by developing a new conceptual framework that links dynamic capabilities with innovation in the general insurance sector, offering practical implications for the development of organizational transformation strategies. These findings also open up further research space to empirically examine the relationship between the dynamic capabilities, innovation, and performance of general insurers in an ever-changing industry context.
Co-Authors Melitina Tecoalu Melitina Tecoalu Ratih Anggoro Wilis Robidi Robidi Soegeng Wahyoedi Soegeng Wahyoedi