Kolaborasi Global dalam Penguatan Kualitas Keputusan Underwriting pada Perusahaan Asuransi Umum Joint Venture di Indonesia
Keywords:
underwriting, sumber daya manusia, kolaborasi global, persaingan pasar, PSAK 117Abstract
Keputusan underwriting pada industri asuransi umum semakin kompleks akibat persaingan harga, kenaikan biaya klaim, tuntutan permodalan, dan PSAK 117. Penelitian ini menganalisis peran kolaborasi global dalam memperkuat kualitas keputusan underwriting dan membentuk perilaku ekonomi sumber daya manusia pada perusahaan asuransi umum joint venture di Indonesia. Penelitian menggunakan pendekatan kualitatif deskriptif dengan desain studi kasus reflektif. Data bersumber dari observasi profesional, telaah kebijakan dan alur referral yang dianonimkan, serta analisis regulasi, informasi industri, dan literatur. Triangulasi sumber membandingkan pengalaman operasional, ketentuan kebijakan, dan bukti eksternal. Hasil penelitian menunjukkan bahwa pedoman global, risk grading, disiplin harga, mekanisme referral, audit teknis, dan pembelajaran lintas negara meningkatkan konsistensi serta akuntabilitas keputusan, terutama ketika perusahaan menghadapi tekanan pertumbuhan premi dan ketidakpastian klaim. Efektivitasnya ditentukan oleh kemampuan SDM menerjemahkan standar global ke dalam karakteristik risiko lokal, praktik pasar, ketentuan OJK, dan implikasi PSAK 117. Penelitian mengusulkan adaptive underwriting governance yang memadukan risk appetite, kewenangan lokal terukur, referral edukatif, dokumentasi alasan keputusan, pengembangan kompetensi, dan umpan balik portofolio.
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