Peran Intergrasi Data Aset Dalam Manajemen Risiko Pada Program Asuransi Aset BUMN: Studi Kasus Pada Perusahaan BUMN (PT ABC)
DOI:
https://doi.org/10.37385/ceej.v7i1.11496Keywords:
Integrasi Data Aset, Manajemen Risiko, Asuransi Aset, BUMNAbstract
Penelitian ini bertujuan menganalisis peran integrasi data aset dalam mendukung manajemen risiko pada program asuransi aset di PT ABC. Integrasi data aset menjadi faktor penting dalam meningkatkan akurasi identifikasi, penilaian, dan mitigasi risiko melalui penyediaan informasi aset yang lengkap, konsisten, dan terbarukan. Penelitian menggunakan pendekatan studi kasus dengan metode deskriptif kualitatif melalui analisis dokumen, observasi, dan wawancara terhadap pihak terkait dalam pengelolaan aset dan program asuransi. Hasil penelitian menunjukkan bahwa integrasi data aset berkontribusi pada peningkatan kualitas penilaian risiko, ketepatan penentuan nilai pertanggungan, percepatan proses klaim, serta optimalisasi pengelolaan premi asuransi. Selain itu, integrasi data mendukung pengambilan keputusan yang lebih efektif dan memperkuat tata kelola risiko perusahaan. Temuan ini menegaskan bahwa pengelolaan data aset yang terintegrasi merupakan elemen strategis dalam meningkatkan efektivitas program asuransi aset pada perusahaan BUMN.
References
Battistella, M. (2025). Integrating Artificial Intelligence into Enterprise Risk Management: Insights from Manufacturing and Professional Services. John Cabot University Repository. https://archive.johncabot.edu/items/3fa59b91-1eaa-4039-890b-9544eaced30f
Budiono, A., Mulyani, S., Hutauruk, H., Ramdani, A. F., & Candra, D. (2022). Manajemen Strategik: Teori Dasar dan Contoh Kasus. Penerbit NEM.
Campbell, S., Greenwood, M., Prior, S., Shearer, T., Walkem, K., Young, S., Bywaters, D., & Walker, K. (2024). Purposive sampling: Complex or simple? Research case examples. Journal of Research in Nursing, 29(1), 65–75.
Committee of Sponsoring Organizations of the Treadway Commission. (2017). Enterprise Risk Management: Integrating with Strategy and Performance. COSO.
Crespo Márquez, A., & Gómez Fernández, J. F. (2026). Standards and best practices in digital maintenance and asset management. In Digital Maintenance and Asset Management. Springer. https://link.springer.com/chapter/10.1007/978-3-032-21502-4_7
Creswell, J. W., & Guetterman, T. C. (2023). Educational research: Planning, conducting, and evaluating quantitative and qualitative research (7th ed.). Pearson.
Creswell, J. W., & Poth, C. N. (2024). Qualitative inquiry and research design: Choosing among five approaches (5th ed.). Sage Publications.
Daniel, D. J. D., Bori, J., & Aniefiok, U. (2026). Effect of artificial intelligence on risk management in insurance companies in Abuja. African Journal of Business and Management, 12(4), 45–62. http://ajbam.com.ng/index.php/ajbam/article/view/232
Dey, D. (2025). Systemic Cyber Risk and the Evolution of Cyber Insurance: Regulatory Drivers, Modeling Approaches, and Strategic Directions for Resilient Digital Ecosystems. SSRN Electronic Journal. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5932237
Ekantiana, E., Sari, P. S., Bestari, L., Handayani, W., & Mikkael, R. H. (2023). Swot Analysis As A Basis Of Strategy In Efforts To Increase The Number Of Patient Visits At ABC Hospital Pain Management Clinic. Jurnal Ekonomi, 12(3), 1391-1403.
Erhueh, O. V., Nwakile, C., & Akano, O. A. (2024). Digital transformation in energy asset management: Lessons for building the future of energy infrastructure. World Journal of Advanced Research and Reviews, 24(3), 112–128. https://www.researchgate.net/publication/387141583
Gharib, J., & Gahi, Y. (2026). DRADG: A dynamic risk-adaptive data governance framework for modern digital ecosystems. Information, 17(1), 102. https://www.mdpi.com/2078-2489/17/1/102
Ghozali, I., Kusumadewi, R. R. K. A., Hersugondo, H., & Udin, U. (2026). Enterprise risk management and cyber fraud mitigation: Evidence from Indonesian state-owned enterprises. Journal of Risk and Financial Management, 19(4), 280. https://www.mdpi.com/1911-8074/19/4/280
Hudáková, M., Kuricová, A., & Masár, M. (2026). Dynamics of the approach to enterprise risk management in the context of economic growth and global crises. Administrative Sciences, 16(3), 141. https://www.mdpi.com/2076-3387/16/3/141
International Organization for Standardization. (2018). ISO 31000:2018 Risk Management—Guidelines. ISO.
International Organization for Standardization. (2024). ISO 55000: Asset Management—Overview, Principles and Terminology. ISO.
Jiang, H. (2022). Risk prediction model of enterprise financial data based upon sensor signal fusion. Mobile Information Systems, 2022, Article 7819224. https://doi.org/10.1155/2022/7819224
Kementerian Badan Usaha Milik Negara Republik Indonesia. (2024). Pedoman Tata Kelola dan Manajemen Risiko BUMN. Kementerian BUMN RI.
Kumar, U. (2024). Trends in engineering asset management: The impact of transformative technologies on risk and reliability management. In Advances in Risk-Informed Technologies. Springer. https://link.springer.com/chapter/10.1007/978-981-99-9122-8_1
Le, P., & Nguyen, T. N. (2026). Banking digital drifts: What are the opportunities for risk assessment? In The Future of Accounting and Finance: Embracing Digital Transformation. Springer. https://link.springer.com/chapter/10.1007/978-3-032-03943-9_5
Li, Z., & Lau, W. Y. (2025). Risk Management in Digital Finance. World Scientific Publishing. https://www.worldscientific.com
Merriam, S. B., & Tisdell, E. J. (2024). Qualitative research: A guide to design and implementation (5th ed.). Jossey-Bass.
Mikkael, R. H., & Ningrum, H. F. (2023). Manajemen Sumber Daya Manusia (Perspektif Manajerial). Media Sains Indonesia.
Miles, M. B., Huberman, A. M., & Saldaña, J. (2024). Qualitative data analysis: A methods sourcebook (5th ed.). Sage Publications.
Musa, H. A. H. (2026). ISO 31000, regulatory compliance, and enterprise risk management effectiveness: Evidence from Saudi insurance companies under a transitioning supervisory regime. International Journal of Risk and Insurance Studies, 18(2), 55–79.
Napitupulu, R. H. M. (2020). The Relationship Between Education, Training, and Civil Servant Lecturers Competency. Journal of Business and Management Review, 1(2), 121-132.
Napitupulu, R. H. M., Nadapdap, H. S., Maulana, W., & Pratama, S. (2025). Strategi Pengembangan Bisnis Dalam Menghadapi Persaingan Bisnis Insurance Technology (Insurtech) di Indonesia. Jurnal Lentera Bisnis, 14(1), 751-763.
Napitupulu, R., Putra, D. H., & Shalahuddin, S. (2019). Dasar-dasar ilmu kepemimpinan Teori dan aplikasi. uwais inspirasi indonesia.
Narayan, P., Sharma, V., & Hebbar, K. S. (2026). Digital asset management and tokenization: Expanding access to finance for microenterprises and inclusive economic growth. Enterprise Development and Microfinance Journal, 37(1), 22–40. https://www.papjournals.com/index.php/edm/article/view/674
Neolaka, A. M. Y., Faulina, M., Akromah, P., Novilasari, T. A., & Napitupulu, R. H. M. (2023). Marketing strategy using swot analysis (case study: stima IMMI). Jurnal Ekonomi, 12(02), 1650-1659.
Nowell, L. S., Norris, J. M., White, D. E., & Moules, N. J. (2023). Thematic analysis: Striving to meet the trustworthiness criteria. International Journal of Qualitative Methods, 22, 1–13.
Pamisetty, A., Adusupalli, B., & Mashetty, S. (2024). Financial risk strategies: The integration of smart automation, secure access systems, and predictive intelligence in insurance, lending, and asset management. SSRN Electronic Journal. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5204888
Petrović, D., Dasilas, A., & Karanović, G. (2026). Insurance companies risk-adjusted efficiency using a composite risk management index. Review of Accounting and Finance, 25(1), 52–74.
Raschke, R. L., & Mann, A. (2022). Enterprise content risk management: A conceptual framework for digital asset risk management. Journal of Emerging Technologies in Accounting, 19(1), 57–76.
Saunders, M., Lewis, P., & Thornhill, A. (2023). Research methods for business students (9th ed.). Pearson Education.
Sinaga, R. N., Noriska, N. J., Ahmad, F., Aditya, D. S., Nugroho, P., RP, G. A., ... & Napitupulu, R. H. (2024). Manajemen strategi perusahaan asuransi. AMU Press, 1-161.
Syahkuan, J., Ni’mah, S., Absor, S. M. U., Azis, M. A., Bakri, A. A., & Napitupulu, R. H. M. (2022). Manajemen Strategik Dalam Organisasi. Penerbit Nem.
Teng, H. W., Härdle, W. K., Osterrieder, J., & Pele, D. T. (2026). Digital assets: Risks, regulations, mitigation. Financial Innovation, 12(1), 1–28. https://doi.org/10.1186/s40854-025-00848-y
Theodorakopoulos, L., Theodoropoulou, A., & Kouris, A. (2025). Big data in financial risk management: Evidence, advances, and open questions: A systematic review. Frontiers in Artificial Intelligence, 8, Article 1658375. https://doi.org/10.3389/frai.2025.1658375
Wang, H. (2022). Enterprise financial asset risk measurement based on embedded microprocessor security analysis. Wireless Communications and Mobile Computing, 2022, Article 8382504. https://doi.org/10.1155/2022/8382504
World Economic Forum. (2024). The Global Risks Report 2024 (19th ed.). World Economic Forum. https://www.weforum.org/reports/global-risks-report-2024
Yang, X., Chen, J., Zhu, W., & Fan, Q. (2026). Research on the impact of digital transformation on risk-taking in property and casualty insurance companies. Emerging Markets Finance and Trade. Advance online publication. https://doi.org/10.1080/1540496X.2026.2620551
Yin, R. K. (2024). Case study research and applications: Design and methods (7th ed.). Sage Publications.
Template
