Model Pengambilan Keputusan Underwriting Bisnis Kargo Laut

Cahyono Budy Santoso

Abstract

Faktor-faktor tambahan dapat dipertimbangkan untuk mendukung keputusan perusahaan asuransi untuk membuat penilaian risiko atau proses underwriting menjadi lebih cepat dan tepat. Tugas ini mengharuskan underwriter untuk cukup analitis, terorganisir dengan baik, dan akurat untuk membuat keputusan yang tepat untuk menyetujui atau menolak permohonan yang berisiko. Untuk itu diperlukan adanya teknologi yang dapat mendukung proses underwriting atau penilaian risiko. Penelitian ini berfokus pada underwriting asuransi kargo laut, yaitu terkait dengan fitur teknologi underwriting dalam menentukan tarif premi. Penelitian ini bertujuan untuk meningkatkan kecepatan dan ketepatan proses underwriting. Dengan menggunakan pendekatan Design Science Research, model dikembangkan dalam enam tahap. Temuan penelitian ini meliputi model konseptual dan prototipe model pengambilan keputusan underwriting untuk bisnis kargo laut. Berdasarkan hasil pengujian fitur prediksi tarif premi menggunakan model regresi linier dengan nilai R2 sebesar 0,993 dan MAE sebesar 0,0002727. Jadi dapat disimpulkan bahwa model ini dapat memenuhi kebutuhan pengguna.

Keywords

Underwriting,;Technology; Marine Cargo; Insurance

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References

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DOI: https://doi.org/10.36350/jbs.v14i1.238

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