Static Risk
A businessman who was working in a stable economy, with a loyal subscription system, as well as his servants, and he was able to weigh carefully regarding the State of his raw materials and market its products, as well as the right political environment stable, but still bear the risk. The risk is still there even though all factors remained static in the dynamic call pure risk. Pure risk does not provide the possibility of profit only likely losers. So in contrast to dynamic risk. There are five categories of pure risk: sources that cause damage to physical assets, fraud and crime, to the detriment of consideration about the law, the damage to the property of others that is causing the decrease in power generating, and died or cacatnya main employees or owners.
Only risk managers take care of pure risk. He is only concerned with the dynamic risk if dynamic risk that may affect the risk management decisions. Dynamic risk management is an important function of public leadership where decisions regarding this risk taken. The decision often is only taken after consultation with specialists-specialists concerned.
Three important points to be noted regarding the comparison between pure dynamic risk risk: (1) Good pure dynamic risk or risks, both regarding the uncertainty, but uncertainty in the pure risk is merely in the form of the possibility of damages, there is no possibility of profit; (2) Although the analysis statistics useful for pure risk and also to dynamic risk, but risk making pure characteristics karna is more suitable for pooling (unification, merger); and (3) in the dynamic risk, the company likely would lose money because the events that benefit the community, in the risk of losing money if the company is usually a pure community is also so.
The Purpose Of Risk Management
The goal of risk management is to streamline the arrangements prior to the occurrence of the loss so that the balance is already the occurrence of loss may be to maintain the effectiveness of the oprasi company. In this purpose contained the sense supervision against the amount of the funds after the loss by using the program penceghan and control of systematic disadvantage. Risk managers ' attention especially on go on factors that determine the amount and nature of funds needed and the identity and characteristics of the source of funds from which it can be obtained.
To achieve this goal, menajer risk must understand not only rules the rules in use, but also how to use it. Basic rules of risk management are: (1) funds available for that loss must be much greater than the loss to potensil, and (2) benefits for the insurance it must be a fairly larger than its costs, to make it interesting.
Achievement Of Goals
Risk management measures to achieve the targets are: 1) Determines the risk of problems on the break, 2) think of ways of handling the problem may, 3) Decided the most efficient way to address that problem, 4) carry out those decisions and 5) Assessing outcomes.
These five steps can be put into three principal responsibility of risk managers, namely: 1) he should know and assess the possibility of losses the company against the risk of pure, 2) He must select the method of optimun (best) to overcome this loss possibilities, and 3) he should keep an eye out with the most efficient method is the best.
ANALYSIS OF THE RISK
Risk analysis is the process of getting to know and assess the issues in risk management. Basically it covers the determination of the place of the possibility of loss, measure the amount of losses that can be impact by the possibilities, and estimate the probability of a loss.
Risk analysis is not an easy job in the risk manager can successfully carry out its work relying on his knowledge of the type of information required, how to get that information, and understanding what to do with information obtained it. Risk analysis aimed at job search answers to the two principal questions: (1) what can cause harm? and (2) how the funds will be needed to continue operating effectively after the occurrence of a loss? Risk managers must be prepared to answer these questions either risk managers who work in large companies as well as the head of a family who planned the salvation of his own family.
