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"Diversifikasi adalah perusahaan yang mengembangkan bisnisnya dengan memiliki lebih dari satu industri untuk meningkatkan pertumbuhan perusahaan. Skripsi ini meneliti pengaruh tingkat diversifikasi dan strategi diversifikasi terhadap profitability, pertumbuhan, dan resiko perusahaan.Hasil penelitian menunjukkan bahwa secara rata-rata tingkat diversifikasi mempunyai hubungan dengan profitability, growth, dan systematic risk. Namun, tidak terlihat hubungan antar tingkat diversifikasi dari segi firm risk. Hasil lain menunjukkan jenis strategi diversifikasi tidak mempunyai hubungan yang signifikan dengan kinerja perusahaan, baik dari segi profitability, firm risk, growth dan systematic risk.

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Diversification is a firm that develops its business which has more than one industry to increase firm?s growth. This thesis is to study the effects of diversification level and strategy to firm?s profitability, growth, and risk.

The result indicates that overall diversification level have a correlation with firm?s profitability, growth, and systematic risk. But in this study was found that there is no correlation between diversification level and firm risk. There are other findings that have shown diversification strategy doesn?t have a significant correlation with the firm?s performance, profitability, firm?s risk, growth, and systematic risk."

"Skripsi ini membahas mengenai proses manajemen risiko yang diterapkan oleh PT Bukit Asam (Persero) Tbk sebagai Perusahaan Tambang Milik Pemerintah (BUMN). Proses manajemen risiko melingkupi proses identifikasi risiko, analisis risiko dan pengendalian risiko berdasarkan model Simons (2000). Proses identifakasi risiko ditujukan untuk melihat perbedaan klasifikasi risiko berdasarkan source of risk Simons (2000) dan PT Bukit Asam. Proses selanjutnya adalah menganalisis risiko berdasarkan model risk exposure calculator dengan memberikan masing-masing nilai untuk mengetahui tingkat risiko perusahaan. Tahap terakhir penelitian ini adalah pengendalian risiko dengan menganalisis penerapan sistem pengendalian manajemen dengan menggunakan model levers of control yang diterapkan oleh PT Bukit Asam sebagai perusahaan yang sudah mencapai tahap dewasa dalam siklus hidup organisasi.Metode yang digunakan dalam penelitian ini adalah dengan wawancara di satuan kerja Sistem Manajemen Perusahaan (SMP) PT Bukit Asam sebagai divisi pengelola manajemen risiko perusahaan dan beberapa divisi terkait atas saran divisi tersebut agar pengelolaan dan analisis data dapat disesuaikan tujuan penelitian. Penulis juga melakukan studi lapangan selama tiga bulan untuk mendapatkan pemahaman yang komprehensif.Dari penelitian yang telah dilakukan, maka Penulis menemukan terdapat perbedaan klasifikasi risiko antara source of risk Simons (2000) dan PT Bukit Asam. Selanjutnya, tingkat risiko PT Bukit Asam berada pada zona waspada (the caution zone) serta sistem pengendalian dengan menggunakan levers of control sudah diterapkan dengan baik. Secara keseluruhan evaluasi manajemen risiko oleh PT Bukit Asam dengan menggunakan model Simons (2000) sudah cukup baik.

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This paper discusses about the risk management implemented in PT Bukit Asam as Indonesia State-Owned Mining Entreprise. The process covers risk identification, risk analysis and risk control based on Simons Model (2000). Risk identification process is set to examine risk classification differences between source of risk Simons Model and PT Bukit Asam. The next process is to analyze the risk using risk exposure calculator model by giving score for each indicator to understand the company risk level. Last process of this study comprises the analysis of management control system by using levers of control as model base implemented by PT Bukit Asam, in count as mature organization.The methodology used in this study is interview process within Corporate Management Systems of PT Bukit Asam, as division responsible for handle the enterprise risk management, and some related divisions for their suggestions as support of data processing and analyzing in order to accomplish research objectives. The author also conducted field study for 3 months to gain more comprehensive understanding.Based on the study, author found the existence of risk classification differences between source of risk Simons Model and PT Bukit Asam. Futhermore, corporate risk level is in the caution zone and management control system using levers of control Simons Model has been well implemented. Overall, PT Bukit Asam risk management evaluation with Simons Model has been well executed."

"Sebagai perusahaan yang bergerak di bidang keuangan, Perusahaan Asuransi tentunya memiliki eksposur terhadap berbagai risiko, salah satunya ialah risiko kepatuhan dan risiko hukum. Dalam melaksanakan kegiatan usahanya, Perusahaan Asuransi harus memiliki fungsi Manajemen Risiko guna memastikan bahwa lini usaha dan bisnisnya berjalan dengan lancar serta tidak menimbulkan suatu kerugian terhadap pihak manapun, terutama Pemegang Polis. Namun, seiring dengan perkembangan teknologi yang pesat, Perusahaan Asuransi lantas dihadapkan dengan berbagai tantangan untuk menyesuaikan seluruh tahapan dalam proses pertanggungan dengan dinamika perkembangan teknologi yang ada. Salah satu risiko yang kemudian muncul ialah risiko terjadinya fraud. Fraud yang kerap terjadi di berbagai Perusahaan Asuransi terbagi menjadi Agent Fraud, Application Fraud, dan Claim Fraud. Sejalan dengan dikeluarkannya Surat Edaran Otoritas Jasa Keuangan Nomor 46/POJK.05/2017, Perusahaan Asuransi wajib untuk memiliki dan menjalankan strategi anti fraud di lingkup internal perusahaan guna memitigasi segala risiko kepatuhan dan risiko hukum yang mungkin terjadi. Guna menjalankan strategi anti fraud secara efektif, Perusahaan Asuransi perlu untuk mengadopsi sistem dan metodologi yang tepat. Dalam menjawab isu tersebut, eksistensi Fraud Detection System sebagai sistem anti fraud di industri keuangan hadir. Dalam penelitian ini, Penulis melakukan analisis terhadap prinsip, prosedur, serta efektivitas penggunaan Fraud Detection System sebagai upaya manajemen risiko Perusahaan Asuransi dalam menerapkan strategi anti fraud.

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As a company that operates in the financial sector industry, Insurance Companies are certainly exposed to various risks, namely is compliance risk and legal risk. In carrying out its business activities, Insurance Companies are obliged to have Risk Management function to ensure that the business objectives of the Company run smoothly and do not cause any losses to any parties, especially the Policyholders. Nevertheless, along with the rapid development of technology, Insurance Companies are then faced with various challenges to accustom all stages in the coverage process with the dynamics of existing technological developments. One of the risks that then arises is the risk of fraud. Fraud that often occurs in Insurance Companies consists into Agent Fraud, Application Fraud, and Claim Fraud. In line with the issuance of the Financial Services Authority Circular Letter Number 46/POJK.05/2017, Insurance Companies are required to have and implement an anti-fraud strategy within the company to mitigate all compliance risks and legal risks that may occur. In order to carry out an effective anti-fraud strategy, Insurance Companies need to adopt the right and adequate system. In responding to these issues, the existence of the Fraud Detection System as one of anti-fraud systems in the financial industry will help to find the way. In this research, the Author analyzes the principles, procedures, and effectiveness of using the Fraud Detection System as a tool for Insurance Companies to implement anti-fraud strategy and perform risk management.

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"Penelitian ini bertujuan untuk mengetahui pengaruh perubahan risiko perusahaan dan rasio Risk Based Capital (RBC) terhadap perubahan modal perusahaan asuransi umum di Indonesia pada periode 2013-2017. Observasi dilakukan terhadap 29 perusahaan asuransi umum di Indonesia. Asset Risk dan Product Risk digunakan sebagai proksi untuk mengukur risiko perusahaan. Hasil penelitian menunjukkan bahwa perubahan risiko perusahaan dan rasio RBC di Indonesia memiliki pengaruh signifikan dalam mempengaruhi perubahan modal perusahaan asuransi umum di Indonesia pada periode 2013-2017. Hasil ini sesuai dengan penelitian sebelumnya dengan topik yang sama untuk perusahaan asuransi umum dan perbankan. Pada penelitian ini, perubahan risiko perusahaan secara positif dan rasio RBC berpengaruh secara negatif terhadap perubahan modal perusahaan. Artinya, setiap adanya peningkatan risiko di perusahaan, perusahaan akan mengiringi peningkatan risiko tersebut dengan peningkatan modal sehingga perusahaan dapat mematuhi peraturan RBC dan mampu menanggulangi setiap risiko yang dimilikinya.

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The main purpose of this research is to analyze the impact of change in companies risk and risk based capital (RBC) ratio on the change in capital in general insurance companies in Indonesia for the period 2013-2017. Observations were made on 31 general insurance companies in Indonesia. Asset Risk and Product Risk were used as a proxy to measure company risk.

The results of research shows that the companies risk and RBC ratio in Indonesia have a significant influence on the change in capital in general insurance companies in Indonesia for the period 2013-2017. These results agree with the previous research on the same topic for general insurance and banking companies.

In this study, change in companies risk has a positive influence and RBC ratio has a negative influence on changes in companies capital. That means, whenever there is an increase in risk in the company, the company will increase their capital so that the company can comply with RBC regulations and are able to cope with any risks they has."

"The research aimed to discuss the determining factors and the economic consequences of financial reporting quality in Indonesian capital market. Those determining factors are innate, performance, company risk and industry risk. The financial reporting quality was measured on the following attributes: relevance, timeliness, and conservatism, whereas the economic consequence was measured on the asymmetric information. The research employed three steps of test: (1) test whether the attributes of financial reporting quality are different with each other; (2) analyze the determining factors of financial reporting quality; (3) test the effect of financiai reporting quality in the stock market, in terms of the relationship between asymmetric information and the financial reporting quality. The result of the first test showed that all of the attributes of financial reporting quality are different with each other. The analysis of determining factors showed that sales volatility, firm performance, and classification of the industry had a significant relationship with the attributes of financial reporting quality. The other variables, such as operation cycle, firm size, company risk, liquidity, and leverage, had no significant relationship with the attributes of financial reporting quality. The economic consequence test resulted that the attributes of financial reporting quality had a significant relationship with the asymmetric information"