Journal of Social Research
Vol. 5 No. 2 (2026): Journal of Social Research

Analysis of Human Factors, Leadership Ethics, and Risk-Aware Culture in Indonesian General Insurance Underwriting Practices

Ashar, Ashar (Unknown)
Alijoyo, Franciskus Antonius (Unknown)

Article Info

Publish Date
10 Jan 2026

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.

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Journal Info
Journal of Social Research
Website

Abbrev

ijsr

Publisher

CV. International Journal Labs

Subject

Humanities Computer Science & IT Economics, Econometrics & Finance Education Social Sciences

Description

The Journal of Social Research is a double blind peer-reviewed academic journal and open access to social and scientific fields. The journal is published monthly by International Journal Labs. The Journal of Social Research provides a means for sustained discussion of relevant issues that fall ...