tag:blogger.com,1999:blog-88744239817000480392024-03-08T08:10:51.188-08:00MANAJEMEN RESIKOyeni absahhttp://www.blogger.com/profile/12326018989421785263noreply@blogger.comBlogger2125tag:blogger.com,1999:blog-8874423981700048039.post-28028960698937659072015-08-24T21:45:00.005-07:002015-08-24T21:55:31.087-07:00fungsi manajemen resiko<span style="color: black; font-family: Arial; font-size: small; font-weight: bold;">FUNGSI
MANAJEMEN RISIKO</span> <br />
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<span style="font-size: small;"><b>1.</b><span style="color: black; font-family: Arial;"> Fungsi</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">manajemen</span><span style="color: black; font-family: Arial;"> r</span><span style="color: black; font-family: Arial;">i</span><span style="color: black; font-family: Arial;">siko</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">dijelaskan</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">dan</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">dipahami</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">melalui</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">langkah-langkah</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">dalam</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">proses</span><span style="color: black; font-family: Arial;"> </span></span><br />
<span style="color: black; font-family: Arial; font-size: small;">pengambilan</span><span style="color: black; font-family: Arial; font-size: small;"> </span><span style="color: black; font-family: Arial; font-size: small;">keputusan</span><span style="color: black; font-family: Arial; font-size: small;">.</span></div>
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<span style="font-size: small;"><b>2.</b><span style="color: black; font-family: Arial;"><b> </b>Proses</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">ini</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">dimulai</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">dengan</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">mengenal</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">berbagai</span><span style="color: black; font-family: Arial;"> r</span><span style="color: black; font-family: Arial;">i</span><span style="color: black; font-family: Arial;">siko</span><span style="color: black; font-family: Arial;"> yang </span><span style="color: black; font-family: Arial;">sedang</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">dihadapi</span><span style="color: black; font-family: Arial;"> (</span><span style="color: black; font-family: Arial;">disebut</span><span style="color: black; font-family: Arial;"> </span></span><br />
<span style="color: black; font-family: Arial; font-size: small;">identifikasi</span><span style="color: black; font-family: Arial; font-size: small;">/</span><span style="color: black; font-family: Arial; font-size: small;">diagnosa</span><span style="color: black; font-family: Arial; font-size: small;"> r</span><span style="color: black; font-family: Arial; font-size: small;">i</span><span style="color: black; font-family: Arial; font-size: small;">siko</span><span style="color: black; font-family: Arial; font-size: small;">)</span></div>
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<span style="font-size: small;"><b>3.</b><span style="color: black; font-family: Arial;"> Selanjutnya</span><span style="color: black; font-family: Arial;">
r</span><span style="color: black; font-family: Arial;">i</span><span style="color: black; font-family: Arial;">siko</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">diukur</span><span style="color: black; font-family: Arial;">, </span><span style="color: black; font-family: Arial;">dianalisis</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">dan</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">dievaluasi</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">dalam</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">ukuran</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">frekuensi</span><span style="color: black; font-family: Arial;">, </span><span style="color: black; font-family: Arial;">keparahan</span><span style="color: black; font-family: Arial;"> </span></span><br />
<span style="color: black; font-family: Arial; font-size: small;">dan</span><span style="color: black; font-family: Arial; font-size: small;"> </span><span style="color: black; font-family: Arial; font-size: small;">variabilitasnya</span><span style="color: black; font-family: Arial; font-size: small;">.</span></div>
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<span style="font-size: small;"><b>4.</b> <span style="color: black; font-family: Arial;">Keputusan</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">diambil</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">untuk</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">memilih</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">dan</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">menggunakan</span><span style="color: black; font-family: Arial;">
</span><span style="color: black; font-family: Arial;">metode-metode</span><span style="color: black; font-family: Arial;">
</span><span style="color: black; font-family: Arial;">penanganan</span><span style="color: black; font-family: Arial;"> r</span><span style="color: black; font-family: Arial;">i</span><span style="color: black; font-family: Arial;">siko</span><span style="color: black; font-family: Arial;"> </span></span><br />
<span style="color: black; font-family: Arial; font-size: small;">(</span><span style="color: black; font-family: Arial; font-size: small;">menanggung</span><span style="color: black; font-family: Arial; font-size: small;"> </span><span style="color: black; font-family: Arial; font-size: small;">sendiri</span><span style="color: black; font-family: Arial; font-size: small;">, </span><span style="color: black; font-family: Arial; font-size: small;">menghindari</span><span style="color: black; font-family: Arial; font-size: small;">, </span><span style="color: black; font-family: Arial; font-size: small;">mengasuransikan</span><span style="color: black; font-family: Arial; font-size: small;">)</span></div>
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<span style="font-size: small;"><b>5.</b> <span style="color: black; font-family: Arial;">Setelah</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">metode</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">penanganan</span><span style="color: black; font-family: Arial;"> r</span><span style="color: black; font-family: Arial;">i</span><span style="color: black; font-family: Arial;">siko</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">telah</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">dipilih</span><span style="color: black; font-family: Arial;">, </span><span style="color: black; font-family: Arial;">maka</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">langkah</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">berikutnya</span><span style="color: black; font-family: Arial;"> </span><span style="color: black; font-family: Arial;">adalah</span><span style="color: black; font-family: Arial;"> </span></span><br />
<span style="color: black; font-family: Arial; font-size: small;">rencana</span><span style="color: black; font-family: Arial; font-size: small;"> pengadministrasian</span><span style="color: black; font-family: Arial; font-size: small;"> program </span><span style="color: black; font-family: Arial; font-size: small;">m.r</span><span style="color: black; font-family: Arial; font-size: small;">i</span><span style="color: black; font-family: Arial; font-size: small;">siko</span><span style="color: black; font-family: Arial; font-size: small;"> </span><span style="color: black; font-family: Arial; font-size: small;">secara</span><span style="color: black; font-family: Arial; font-size: small;"> </span><span style="color: black; font-family: Arial; font-size: small;">melembaga</span><span style="color: black; font-family: Arial; font-size: small;">.</span></div>
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<span style="color: black; font-family: Arial; font-size: small;"><span style="color: black; font-family: Arial; font-weight: bold;">STRATEGI
REAKTIF </span><span style="color: black; font-family: Arial; font-weight: bold;">vs</span><span style="color: black; font-family: Arial; font-weight: bold;"> PROAKTIF</span> </span><span style="color: black; font-family: Arial; font-size: small; font-weight: bold;"> </span></div>
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<span style="color: black; font-family: Arial; font-size: small; font-weight: bold;">Strategi reaktif</span><span style="color: black; font-family: Arial; font-size: small;"> memonitor perusahaan terhadap kemungkinan r</span><span style="color: black; font-family: Arial; font-size: small;">i</span><span style="color: black; font-family: Arial; font-size: small;">siko dan
merencanakan</span><br />
<span style="color: black; font-family: Arial; font-size: small;"><span style="color: black; font-family: Arial;">upaya penanggulangan resiko.</span></span><br />
<span style="color: black; font-family: Arial; font-size: small;"><span style="color: black; font-family: Arial;"> </span></span><span style="color: black; font-family: Arial; font-size: small; font-weight: bold;"><br /></span></div>
<span style="color: black; font-family: Arial; font-size: small; font-weight: bold;">Strategi proaktif</span><span style="color: black; font-family: Arial; font-size: small;"> dimulai sebelum kerja diawali.</span><span style="color: black; font-family: Arial; font-size: small;"> R</span><span style="color: black; font-family: Arial; font-size: small;">i</span><span style="color: black; font-family: Arial; font-size: small;">siko
potensial diidentifikasi, probabilitas & pengaruh operasi perusahaan, dan
diprioritaskan menurut kepentingan, kemudian membangun suatu rencana untuk </span><span style="color: black; font-family: Arial; font-size: small;"><span style="color: black; font-family: Arial;">mencegah terjadi r</span><span style="color: black; font-family: Arial;">i</span><span style="color: black; font-family: Arial;">siko.</span><span style="color: black; font-family: Arial;">Sasaran
utama adalah menghindari r</span><span style="color: black; font-family: Arial;">i</span><span style="color: black; font-family: Arial;">siko.</span></span><br />
<span style="font-size: small;"><br /></span>
<span style="color: black; font-family: Arial; font-size: small;"><span style="color: black; font-family: Arial;"><b><span style="color: black; font-family: Arial;">FUNGSI MANAJEMEN RESIKO</span></b> </span></span><br />
<span style="color: black; font-family: Arial; font-size: small;"><span style="color: black; font-family: Arial;">
</span></span><br />
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<span style="font-size: small;">1. Menemukan Kerugian Potensial artinya berupaya
untuk menemukan/ mengidentifikasi seluruh</span><br />
<span style="font-size: small;">r<span lang="IN">i</span>siko murni yang dihadapi perusahaan, meliputi:</span></div>
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<span style="font-size: small;">a. kerusakan fisik atas harta kekayaan perusahaan</span><br />
<span style="font-size: small;">b. kehilangan pendapatan akibat terganggunya operasi perusahaan</span><br />
<span style="font-size: small;">c. kerugian akibat tuntutan hukum dari pihak lain</span><br />
<span style="font-size: small;">d. kerugian yang timbul karena tindakan kriminal</span></div>
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<span style="font-size: small;"><br /></span>
<span style="font-size: small;">2. mengevaluasi kerugian potensial artinya melakukan evaluasi dan penilaian terhadap semua kerugian potensial yang dihadapi perusahaan mengenai :</span><br />
<span style="font-size: small;">a. besarnya kemungkinan frekuensi terjadinya kerugian</span><br />
<span style="font-size: small;">b. besarnya kegawatan dari tiap kerugain </span><br />
<span style="font-size: small;">c. memilih teknik/cara yang tepat atau menentukan suatu kombinasi dari teknik yang tepat guna menanggulangi kerugian</span><br />
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<span style="color: black; font-family: Arial; font-size: 54.0pt; font-weight: bold; language: id; mso-ascii-font-family: Arial; mso-bidi-font-family: +mj-cs; mso-color-index: 3; mso-fareast-font-family: +mj-ea;"> </span>yeni absahhttp://www.blogger.com/profile/12326018989421785263noreply@blogger.com0tag:blogger.com,1999:blog-8874423981700048039.post-4917919654394908052015-08-23T23:44:00.002-07:002015-08-24T22:03:17.849-07:00defenisi manajemen resiko<span style="font-size: small;"><b><span style="color: #69676d; font-family: Calibri; font-size: 46.0pt; language: en-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: +mj-cs; mso-color-index: 3; mso-fareast-font-family: +mj-ea; mso-font-kerning: 12.0pt;">KONSEP
RESIKO</span></b></span><br />
<ul>
<li><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">Dunia</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">penuh</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">ketidakpastian</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">
</span></li>
<li><span style="color: black; font-family: Constantia; font-size: small; language: id; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">Risiko muncul krn ada
kondisi k</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">etidakpastian</span><span style="color: black; font-family: Constantia; font-size: small; language: id; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">
</span></li>
<li><span style="color: black; font-family: Constantia; font-size: small; language: id; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">Misalnya hari ini bisa
hujan atau tidak,investasi bisa laba bisa rugi</span></li>
<li><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">Apalagi</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">bagi</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">dunia</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">bisnis</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">, </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">resiko</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">tidak dapat</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">diabaikan</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">begitu</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">saja</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">
</span></li>
<li><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">Oleh</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">karena</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">itu</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">, </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">pengusaha</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">harus</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">selalu berusaha</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">untuk</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">menanggulanginya</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">.</span></li>
<li><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">Artinya</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">berupaya</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">untuk meminimumkan</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">ketidakpastian</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> agar kerugian</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> yang </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">timbul</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">dapat dihilangkan</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">atau</span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> </span><span style="color: black; font-family: Constantia; font-size: small; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;">diminimumkan </span></li>
</ul>
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<span style="font-size: small;"><b><span style="color: black; font-family: Constantia; font-size: 28.0pt; language: en-US; mso-ascii-font-family: Constantia; mso-bidi-font-family: +mn-cs; mso-color-index: 1; mso-fareast-font-family: +mn-ea; mso-font-kerning: 12.0pt;"> </span><span style="font-family: Calibri;">KETIDAKPASTIAN</span></b></span><br />
<ul>
<li><span style="color: #0bd0d9; font-family: "Wingdings 2"; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small; font-weight: bold;">KETIDAKPASTIAN
EKONOMI</span><span style="color: black; font-family: Constantia; font-size: small;"> (economic </span><span style="color: black; font-family: Constantia; font-size: small;">uncertaity</span><span style="color: black; font-family: Constantia; font-size: small;">), </span><span style="color: black; font-family: Constantia; font-size: small;">yaitu</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">kejadian-kejadian</span><span style="color: black; font-family: Constantia; font-size: small;"> yang </span><span style="color: black; font-family: Constantia; font-size: small;">timbul</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">sebagai</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">akibat</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">kondisi</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">dan</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">perilaku</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">dari</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">pelaku</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">ekonomi</span><span style="color: black; font-family: Constantia; font-size: small;">, </span><span style="color: black; font-family: Constantia; font-size: small;">misalnya</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">perubahan</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">sikap</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">konsumen</span><span style="color: black; font-family: Constantia; font-size: small;">, </span><span style="color: black; font-family: Constantia; font-size: small;">perubahan</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">selera</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">konsumen</span><span style="color: black; font-family: Constantia; font-size: small;">, </span><span style="color: black; font-family: Constantia; font-size: small;">perubahan</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">harga</span><span style="color: black; font-family: Constantia; font-size: small;">, </span><span style="color: black; font-family: Constantia; font-size: small;">perubahan</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">teknologi</span><span style="color: black; font-family: Constantia; font-size: small;">, </span><span style="color: black; font-family: Constantia; font-size: small;">dsb</span><span style="color: black; font-family: Constantia; font-size: small;">.</span></li>
</ul>
<ul>
<li><span style="color: black; font-family: Constantia; font-size: small; font-weight: bold;">KETIDAKPASTIAN
ALAM </span><span style="color: black; font-family: Constantia; font-size: small;">(uncertainty
of nature) </span><span style="color: black; font-family: Constantia; font-size: small;">yaitu</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">ketidakpastian</span><span style="color: black; font-family: Constantia; font-size: small;"> yang </span><span style="color: black; font-family: Constantia; font-size: small;">disebabkan</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">oleh</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">alam</span><span style="color: black; font-family: Constantia; font-size: small;">, </span><span style="color: black; font-family: Constantia; font-size: small;">misalnya</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">banjir</span><span style="color: black; font-family: Constantia; font-size: small;">, </span><span style="color: black; font-family: Constantia; font-size: small;">gempa</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">bumi</span><span style="color: black; font-family: Constantia; font-size: small;">, </span><span style="color: black; font-family: Constantia; font-size: small;">badai</span><span style="color: black; font-family: Constantia; font-size: small;">, </span><span style="color: black; font-family: Constantia; font-size: small;">dsb</span><span style="color: black; font-family: Constantia; font-size: small;">.</span><span style="color: black; font-family: Constantia; font-size: small; font-weight: bold;"> </span></li>
</ul>
</div>
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<ul>
<li><span style="color: black; font-family: Constantia; font-size: small; font-weight: bold;">KETIDAKPASTIAN
KEMANUSIAAN </span><span style="color: black; font-family: Constantia; font-size: small;">(human
uncertainty) </span><span style="color: black; font-family: Constantia; font-size: small;">yaitu</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">ketidakpastian</span><span style="color: black; font-family: Constantia; font-size: small;"> yang </span><span style="color: black; font-family: Constantia; font-size: small;">disebabkan</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">oleh</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">perilaku</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">manusia</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">mis</span><span style="color: black; font-family: Constantia; font-size: small;">.</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">peperangan</span><span style="color: black; font-family: Constantia; font-size: small;">, </span><span style="color: black; font-family: Constantia; font-size: small;">pencurian</span><span style="color: black; font-family: Constantia; font-size: small;">, </span><span style="color: black; font-family: Constantia; font-size: small;">penggelapan</span><span style="color: black; font-family: Constantia; font-size: small;">, </span><span style="color: black; font-family: Constantia; font-size: small;">pembunuhan</span><span style="color: black; font-family: Constantia; font-size: small;">, </span><span style="color: black; font-family: Constantia; font-size: small;">dsb</span><span style="color: black; font-family: Constantia; font-size: small;">.</span></li>
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<span style="color: black; font-family: Constantia; font-size: small;"><b><span style="color: black; font-family: Calibri;">DEFINISI</span></b></span><span style="color: black; font-family: Constantia; font-size: small;"> </span><br />
<span style="color: black; font-family: Constantia; font-size: small;">R</span><span style="color: black; font-family: Constantia; font-size: small;">isiko</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">adalah</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">suatu</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">variasi</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">dari</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">hasil-hasil</span><span style="color: black; font-family: Constantia; font-size: small;"> yang </span><span style="color: black; font-family: Constantia; font-size: small;">dapat</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">terjadi</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">selama</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">periode</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">tertentu</span><span style="color: black; font-family: Constantia; font-size: small;"> </span></div>
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<span style="color: black; font-family: Constantia; font-size: small;">(Arthur Williams </span><span style="color: black; font-family: Constantia; font-size: small;">dan</span><span style="color: black; font-family: Constantia; font-size: small;"> Richard M.H.)</span><span style="color: #0bd0d9; font-family: "Wingdings 2"; font-size: small;"> </span></div>
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<span style="color: black; font-family: Constantia; font-size: small;">R</span><span style="color: black; font-family: Constantia; font-size: small;">i</span><span style="color: black; font-family: Constantia; font-size: small;">siko</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">adalah</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">ketidakpastian</span><span style="color: black; font-family: Constantia; font-size: small;"> yang </span><span style="color: black; font-family: Constantia; font-size: small;">mungkin</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">melahirkan</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">peristiwa</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">kerugian</span><span style="color: black; font-family: Constantia; font-size: small;"> (</span><span style="color: black; font-family: Constantia; font-size: small; font-style: italic;">loss</span><span style="color: black; font-family: Constantia; font-size: small;">) (</span><span style="color: black; font-family: Constantia; font-size: small;">A.Abbas</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><br />
<span style="color: black; font-family: Constantia; font-size: small;">Salim</span><span style="color: black; font-family: Constantia; font-size: small;">)</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><br />
<span style="color: black; font-family: Constantia; font-size: small;">R</span><span style="color: black; font-family: Constantia; font-size: small;">i</span><span style="color: black; font-family: Constantia; font-size: small;">siko</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">adalah</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">ketidakpastian</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">atas</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">terjadinya</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">suatu</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">peristiwa</span><span style="color: black; font-family: Constantia; font-size: small;"> (</span><span style="color: black; font-family: Constantia; font-size: small;">Soekarto</span><span style="color: black; font-family: Constantia; font-size: small;">)</span><span style="color: #0bd0d9; font-family: "Wingdings 2"; font-size: small;"> </span></div>
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<span style="color: black; font-family: Constantia; font-size: small;">R</span><span style="color: black; font-family: Constantia; font-size: small;">i</span><span style="color: black; font-family: Constantia; font-size: small;">siko</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">merupakan</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">penyebaran</span><span style="color: black; font-family: Constantia; font-size: small;">/</span><span style="color: black; font-family: Constantia; font-size: small;">penyimpangan</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">hasil</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">aktual</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">dari</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">hasil</span><span style="color: black; font-family: Constantia; font-size: small;"> yang </span><span style="color: black; font-family: Constantia; font-size: small;">diharapkan</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><br />
<span style="color: black; font-family: Constantia; font-size: small;">(Herman </span><span style="color: black; font-family: Constantia; font-size: small;">Darmawi</span><span style="color: black; font-family: Constantia; font-size: small;">)</span><span style="font-size: small;">
<span style="color: #0bd0d9; font-family: "Wingdings 2";"> </span></span></div>
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<span style="color: black; font-family: Constantia; font-size: small;">Resiko</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">adalah</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">probabilitas</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">seseuatu</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">hasil</span><span style="color: black; font-family: Constantia; font-size: small;">/outcome yang </span><span style="color: black; font-family: Constantia; font-size: small;">berbeda</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">dengan</span><span style="color: black; font-family: Constantia; font-size: small;"> yang </span><span style="color: black; font-family: Constantia; font-size: small;">diharapkan</span><br />
<span style="color: black; font-family: Constantia; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">(Herman </span><span style="color: black; font-family: Constantia; font-size: small;">Darmawi</span><span style="color: black; font-family: Constantia; font-size: small;">)</span><span style="color: black; font-family: Constantia; font-size: small; font-weight: bold;"> </span><br />
<span style="font-size: small;"><br /></span>
<span style="color: black; font-family: Constantia; font-size: small; font-weight: bold;">Robert
</span><span style="color: black; font-family: Constantia; font-size: small; font-weight: bold;">Charette</span><span style="color: black; font-family: Constantia; font-size: small;"> </span><br />
<ul>
<li><span style="color: black; font-family: Constantia; font-size: small;"> R</span><span style="color: black; font-family: Constantia; font-size: small;">i</span><span style="color: black; font-family: Constantia; font-size: small;">siko berhubungan dengan
kejadian di masa yg akan datang.</span><span style="color: #ceb966; font-family: "Wingdings 2"; font-size: small;"> </span></li>
<li><span style="color: #ceb966; font-family: "Wingdings 2"; font-size: small;"> </span><span style="color: black; font-family: Constantia; font-size: small;">R</span><span style="color: black; font-family: Constantia; font-size: small;">i</span><span style="color: black; font-family: Constantia; font-size: small;">siko melibatkan
perubahan (spt. perubahan pikiran, pendapat, aksi, atau tempat)</span><span style="font-size: small;">
<span style="color: black; font-family: Constantia;"> </span></span></li>
<li><span style="color: black; font-family: Constantia; font-size: small;"> R</span><span style="color: black; font-family: Constantia; font-size: small;">i</span><span style="color: black; font-family: Constantia; font-size: small;">siko melibatkan pilihan
& ketidakpastian bahwa pilihan itu akan dilakukan</span><span style="color: black; font-family: Constantia; font-size: small;"> </span></li>
</ul>
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<span style="color: black; font-family: Constantia; font-size: small;"><span style="color: black; font-family: Calibri;"><span style="color: black; font-family: Constantia;">RISIKO
MURNI (</span><span style="color: black; font-family: Constantia; font-style: italic;">PURE RISK</span><span style="color: black; font-family: Constantia;">)
adalah risiko dimana kemungkinan kerugian ada tetapi</span></span></span><br />
<span style="color: black; font-family: Constantia; font-size: small;"><span style="color: black; font-family: Calibri;"><span style="color: black; font-family: Constantia;">kemungkinan keuntungan
tidak ada. Misalnya risiko kecelakaan, kebakaran, banjir, dsb.</span></span></span><br />
<span style="color: black; font-family: Constantia; font-size: small;"><span style="color: black; font-family: Calibri;"><span style="color: black; font-family: Constantia;">ditanggung asuransi</span> </span></span></div>
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<span style="color: black; font-family: Constantia; font-size: small;"><span style="color: black; font-family: Calibri;"><span style="color: black; font-family: Constantia;">RISIKO
SPEKULATIF adalah risiko dimana kita mengharapkan terjadinya kerugian dan juga</span></span></span><br />
<span style="color: black; font-family: Constantia; font-size: small;"><span style="color: black; font-family: Calibri;"><span style="color: black; font-family: Constantia;">keuntungan. Potensi kerugian dan keuntungan ada. Mis. Usaha bisnis, saham.
Disebut juga</span></span></span><br />
<span style="color: black; font-family: Constantia; font-size: small;"><span style="color: black; font-family: Calibri;"><span style="color: black; font-family: Constantia;">risiko bisnis. Tidak ditanggung asuransi</span></span></span></div>
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<span style="font-size: small;"><b><span style="font-family: Constantia;"><span style="font-family: Calibri;"><span style="font-family: Constantia;"><span style="font-family: Calibri;">Jenis Risiko </span><span style="font-family: Calibri;">Menurut </span></span></span></span><span style="font-family: Constantia;"><span style="font-family: Calibri;"><span style="font-family: Constantia;"><span style="font-family: Calibri;">Sumber</span><span style="font-family: Calibri;">/</span><span style="font-family: Calibri;">penyebab</span><span style="font-family: Calibri;"> </span><span style="font-family: Calibri;">timbulnya</span><span style="font-family: Calibri;"> r</span><span style="font-family: Calibri;">i</span><span style="font-family: Calibri;">siko</span></span></span></span></b></span></div>
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<ul>
<li><span style="color: black; font-family: Constantia; font-size: small;"><span style="color: black; font-family: Calibri;"><span style="color: black; font-family: Constantia;"><span style="color: black; font-family: Constantia;"> R</span><span style="color: black; font-family: Constantia;">i</span><span style="color: black; font-family: Constantia;">siko</span><span style="color: black; font-family: Constantia;"> intern, </span><span style="color: black; font-family: Constantia;">yaitu</span><span style="color: black; font-family: Constantia;"> r</span><span style="color: black; font-family: Constantia;">i</span><span style="color: black; font-family: Constantia;">siko</span><span style="color: black; font-family: Constantia;"> yang </span><span style="color: black; font-family: Constantia;">berasal</span><span style="color: black; font-family: Constantia;"> </span><span style="color: black; font-family: Constantia;">dari</span><span style="color: black; font-family: Constantia;"> </span><span style="color: black; font-family: Constantia;">dalam</span><span style="color: black; font-family: Constantia;"> </span><span style="color: black; font-family: Constantia;">perusahaan</span><span style="color: black; font-family: Constantia;"> </span><span style="color: black; font-family: Constantia;">itu</span><span style="color: black; font-family: Constantia;"> </span><span style="color: black; font-family: Constantia;">sendiri</span><span style="color: black; font-family: Constantia;"> </span><span style="color: black; font-family: Constantia;">seperti</span><span style="color: black; font-family: Constantia;"> </span><span style="color: black; font-family: Constantia;">kerusakan</span><span style="color: black; font-family: Constantia;"> </span><span style="color: black; font-family: Constantia;">aktiva</span><span style="color: black; font-family: Constantia;"> </span><span style="color: black; font-family: Constantia;">krn</span><span style="color: black; font-family: Constantia;"> </span><span style="color: black; font-family: Constantia;">ulah</span><span style="color: black; font-family: Constantia;"> </span><span style="color: black; font-family: Constantia;">karyawannya</span><span style="color: black; font-family: Constantia;">, </span><span style="color: black; font-family: Constantia;">kecelakaan</span><span style="color: black; font-family: Constantia;"> </span><span style="color: black; font-family: Constantia;">kerja</span><span style="color: black; font-family: Constantia;">, </span><span style="color: black; font-family: Constantia;">mis</span><span style="color: black; font-family: Constantia;"> </span><span style="color: black; font-family: Constantia;">manajemen</span><span style="color: black; font-family: Constantia;">, </span><span style="color: black; font-family: Constantia;">dll</span><span style="color: black; font-family: Constantia;">.<span style="color: black; font-family: Constantia;"><span style="color: black; font-family: Calibri;"><span style="color: black; font-family: Constantia;"> </span></span></span></span></span></span></span></li>
</ul>
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<ul><span style="font-size: small;">
</span>
<li><span style="font-size: small;"><span style="color: black; font-family: Constantia;"><span style="color: black; font-family: Calibri;"><span style="color: black; font-family: Constantia;"><span style="font-size: small;"><span style="color: black; font-family: Constantia;"><span style="color: black; font-family: Constantia;"><span style="color: black; font-family: Calibri;"><span style="color: black; font-family: Constantia;"> R</span><span style="color: black; font-family: Constantia;">i</span><span style="color: black; font-family: Constantia;">siko</span><span style="color: black; font-family: Constantia;"> </span><span style="color: black; font-family: Constantia;">ekstern</span><span style="color: black; font-family: Constantia;">, </span><span style="color: black; font-family: Constantia;">yaitu</span><span style="color: black; font-family: Constantia;"> r</span><span style="color: black; font-family: Constantia;">i</span><span style="color: black; font-family: Constantia;">siko</span><span style="color: black; font-family: Constantia;"> yang </span><span style="color: black; font-family: Constantia;">berasal</span><span style="color: black; font-family: Constantia;"> </span><span style="color: black; font-family: Constantia;">dari</span><span style="color: black; font-family: Constantia;"> </span><span style="color: black; font-family: Constantia;">luar</span><span style="color: black; font-family: Constantia;"> </span><span style="color: black; font-family: Constantia;">perusahaan</span><span style="color: black; font-family: Constantia;"> </span><span style="color: black; font-family: Constantia;">seperti</span><span style="color: black; font-family: Constantia;"> r</span><span style="color: black; font-family: Constantia;">i</span><span style="color: black; font-family: Constantia;">siko</span><span style="color: black; font-family: Constantia;"> </span><span style="color: black; font-family: Constantia;">pencurian</span><span style="color: black; font-family: Constantia;">, </span><span style="color: black; font-family: Constantia;">penipuan</span><span style="color: black; font-family: Constantia;">, </span><span style="color: black; font-family: Constantia;">persaingan</span><span style="color: black; font-family: Constantia;">, </span><span style="color: black; font-family: Constantia;">fluktuasi</span><span style="color: black; font-family: Constantia;"> </span><span style="color: black; font-family: Constantia;">harga</span><span style="color: black; font-family: Constantia;">, </span><span style="color: black; font-family: Constantia;">perubahan</span><span style="color: black; font-family: Constantia;"> </span><span style="color: black; font-family: Constantia;">kebijakan</span><span style="color: black; font-family: Constantia;"> </span><span style="color: black; font-family: Constantia;">pemerintah</span></span></span> </span></span></span></span></span></span></li>
</ul>
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<span style="font-size: small;"><span style="color: black; font-family: Constantia;"><span style="color: black; font-family: Calibri;"><span style="color: black; font-family: Constantia;"><span style="font-size: small;"><span style="color: black; font-family: Constantia;"> </span></span> </span></span></span></span></div>
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<table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 864px;"><tbody>
<tr height="91" style="height: 67.97pt;"><td class="oa1" height="91" style="height: 67.97pt; width: 192pt;" width="256"><br /></td><td class="oa1" style="width: 258pt;" width="344"><span style="font-size: small;"><br /></span></td><td class="oa1" style="width: 198pt;" width="264"><span style="font-size: small;"><br /></span></td></tr>
<tr height="83" style="height: 62.06pt;"><td class="oa2" height="83" style="height: 62.06pt; width: 192pt;" width="256"><span style="font-size: small;"><br /></span></td><td class="oa2" style="width: 258pt;" width="344"><span style="font-size: small;"><br /></span></td><td class="oa2" style="width: 198pt;" width="264"><span style="font-size: small;"><br /></span></td></tr>
<tr height="83" style="height: 62.06pt;"><td class="oa3" height="83" style="height: 62.06pt; width: 192pt;" width="256"><span style="font-size: small;"><br /></span></td><td class="oa3" style="width: 258pt;" width="344"><span style="font-size: small;"><br /></span></td><td class="oa3" style="width: 198pt;" width="264"><span style="font-size: small;"><br /></span></td></tr>
<tr height="118" style="height: 88.66pt;"><td class="oa4" height="118" style="height: 88.66pt; width: 192pt;" width="256"><span style="font-size: small;"><br /></span></td><td class="oa4" style="width: 258pt;" width="344"><span style="font-size: small;"><br /></span></td><td class="oa4" style="width: 198pt;" width="264"><span style="font-size: small;"><br /></span></td></tr>
<tr height="154" style="height: 115.25pt;"><td class="oa3" height="154" style="height: 115.25pt; width: 192pt;" width="256"><span style="font-size: small;"></span></td><td class="oa3" style="width: 258pt;" width="344"><span style="font-size: small;"></span></td><td class="oa3" style="width: 198pt;" width="264"><span style="font-size: small;"></span></td></tr>
</tbody></table>
<span style="font-size: small;"><span style="color: black; font-family: Constantia;"></span></span></div>
<br />
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<span style="font-size: small;"><span style="color: black; font-family: Constantia;"><span style="color: black; font-family: Calibri;"><span style="color: black; font-family: Constantia;"><span style="color: #69676d; font-family: Calibri; font-weight: bold;"><br /></span><span style="color: #69676d; font-family: Calibri; font-weight: bold;"></span></span></span></span></span></div>
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<span style="font-size: small;"><span style="color: black; font-family: Constantia;"><span style="color: black; font-family: Calibri;"><span style="color: black; font-family: Constantia;"><span style="color: #69676d; font-family: Calibri; font-weight: bold;">
</span></span></span></span></span><br />
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