RESIKO OPERASIONAL DALAM BIDANG ASURANSI
DOI:
https://doi.org/10.46244/numeracy.v2i2.165Keywords:
Resiko Operasional, Teori Bayesian, Tindakan Resiko, AsuransiAbstract
Krisis finansial dapat berwujud runtuhnya bursa efek, krisis mata uang, perbankan dan resesi. Resiko operasional melibatkan resiko dalam berbagai masalah Misalnya, kesalahan transaksi, peristiwa eksternal seperti banjir, gempa bumi, atau kebakaran serta Tindakan Resiko.Kriteria pengukuran yang terkait dalam Penelitian ini menggunakan metode pendekatan Bayesian untuk estimasi parameter dan menghitung kebutuhan modal dan fungsi asuransi. Peran yang penting dalam asuransi yang berfungsi mengurangi dampak keuangan dari kerugian operasional bank. Asuransi dapat digunakan sebagai alat untuk mengurangi dampak keuangan dari resiko operasional bagi bank, yang berarti bahwa jenis tertentu dari asuransi terhadap resiko operasional menyebabkan tingkat yang lebih rendah dari modal minim dialokasikan untuk kategori resiko tertentu.
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