Risk Management
What`s the Risk? Uncertainty about the future events
Two basic types of risk Speculative Risk Risk involving the possibility of gain or loss Pure Risk Risk involving only the possibility of loss or no loss
Risk Management?... Process of conserving the firm’s earning power and assets by reducing the threat of losses due to uncontrollable events.
The risk management process Identify Risk : speculative risk and pure risk Measure impact on firm Choose risk management options : risk avoidance, risk control, risk retention, risk transfer insurance. Implement risk management program Monitor result
Insurable VS Uninsurable risk Predictability causality Unconnectedness Varability
The insurance Product Liability insurance Property insurance Life insurance Health insurance
9 kemampuan penting Fisik: berolahraga Berfikir: membaca&belajar Skill: berlatih Ruhani: baca qur’an, beribadah Jiwa: memberi cinta&kasih sayang Berbisnis: belajar pd orng sukses Kepemimpinan:keteladanan Kesadaran: mukhasabah Semangat: berkumpul dng orng yg positif
Sekedar refleksi R.E.S.I.L.I.E.N.S.I Daya Lenting atau kepegasan… Daya lenting pada manusia adalah kemampuan beradaptasi dengan tekun dan gigih walaupun keadaan terasa serba salah.
Good luck…