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Materi Kuliah Manajemen Risiko Mekanisme Asuransi

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Definisi Asuransi

Insurance is the pooling of fortuitous losses by transfer of such risks to insurers, who agree to indemnify insureds for such losses, to provide other pecuniary benefits on their occurrence, or to render services connected with the risk.

spreading of losses incurred by the few over the entire group, so that in the process, average loss is substituted for actual loss.

Tujuan Asuransi

•do not change expected loss

•reduce uncertainty (variance decreases, costs from loss exposure become more predictable)

•Distribution becomes more symmetric (less skewed)

•Predictability increases with the number of participants

Karakteristik Dasar Asuransi

•Predictability decreases with correlation in losses

•Payment of fortuitous losses

•Insurance pays for losses that are unforeseen, unexpected, and occur as a result of chance

•Risk transfer

•A pure risk is transferred from the insured to the insurer, who typically is in a stronger financial position •Indemnification

•The insured is restored to his or her approximate financial position prior to the occurrence of the loss

Materi lengkap Mata Kuliah Manajemen Risiko Mekanisme Asuransi Dosen Aza El Munadiyan S.SI MM

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Kampus Budi Bakti School of Management telah berdiri sejak tahun 2002 di Bekasi. Lebih dari 5000 mahasiswa telah lulus dari kampus yang kini dikelola oleh Dompet Dhuafa. Sebelumnya Budi Bakti School of Management dimiliki dan dikelola oleh Yayasan Budi Bakti, kini kepemilikan dan pengelolaan beralih ke Dompet Dhufa. Budi Bakti School Of Management saat ini selain di Bekasi juga membuka di kawasan Zona Madina, Kemang. Budi Bakti School Of Management memiliki dua jurusan yaitu Strata 1 Manajemen dan Diploma 3 pemasaran dengan slogan Kuliah Mudah, Semua Bisa Kuliah.

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