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"Penerapan Manajemen Risiko baik bagi institusi keuangan ataupun institusi lain dirasa semakin diperlukan. Bila pada perbankan pelaksanaanya sudah diatur secara detil dalam Basle Accord dan diawasi ketat oleh Bank Indonesia sebagai Bank Sentral Republik Indonesia. Maka bagi institusi keuangan lain seperti asuransi, hal ini belum diatur sedemikian detil. Namun untuk menjaga kesehatan suatu perusahaan asuransi. Pemerintah teiah menetapkan ketentuan ketentuan Solvabilitas Minimum (BTSM). Salah satu ketentuannya adalah menentukan pengenaan faktor risiko tertentu pada aset saham yang dimiliki. Pada tesis ini Penulis mencoba untuk mengaplikasikan penerapan manajemen risiko dengan menghitung nilai Value at Risk (VaR) dengan menggunakan dua metode yaitu metode Variance Covariance dan metode Historical Simulation kemudian membandingkan dengan faktor risiko yang ditetapkan oleh Pemerintah dalam ketentuan BTSM tersebut. Hasilnya menemukan bahwa nilai VaR yang dihasi1kan dengan menggunakan metode historical simulation tidak valid dan Penulis menyarankan untuk menggunakan metode Variance Covariance sebagai metode dalam pengambilan keputusan investasi. Sedangkan BTSM dapat dilakukan untuk mengalokasikan modal.

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Applying risk management to financial institution or any other institutions is increasingly necessary. While the implementation of risk management in banking had been arranged in detail by Basle Accord and strictly supervised by Bank of Indonesia as a central bank of Republic of Indonesia, not in other financial institution like insurance. For an insurance institution to be solvency, government has carried out the regulation by stipulating The Minimum Solvability Rate Limit. One of those stipulations is to put risk factor as a subject in the share asset possession.

In this thesis, the Writer try to applicate the implementation of risk management by calculating value at risk (VaR) using two method Variance Covariance and Historical Simulation then compare it to risk factor determined in The Minimum Solvability Rate Limit. As the result is value at risk (VaR) using historical simulation is not valid, while only the variance covariance method is. So the Writer recommended to use variance covariance method to be used in taking investment decision and use The Minimum Solvability Rate Limit for a capital allocation."

"ABSTRAKDKI Jakarta merupakan pasar yang membuka peluang bisnis yang sangat besar bagi industri jasa yang menawarkan layanan digital bagi ibu pra, periode, dan pasca kehamilan dengan adanya 170.000 ibu hamil setiap tahunnya. Peluang bisnis itulah yang menyebabkan terciptanya ide pembuatan platform online terintegrasi berbasis website yang menyediakan berbagai macam kebutuhan seorang ibu, di antaranya informasi seputar kehamilan, layanan booking dokter secara online, dan layanan online gift registry. Akan tetapi, sebelum melakukan investasi bisnis, terlebih dahulu dibutuhkan penelitian terkait perhitungan kelayakan finansial penerapan platform tersebut. Penelitian ini menyajikan hasil perhitungan kelayakan finansial penerapan platform tersebut dengan menggunakan pendekatan Net Present Value, Internal Rate of Return, dan Payback Period. Berdasarkan hasil penelitian, diketahui bahwa penerapan platform ini akan menghasilkan nilai Net Present Value sebesar Rp 48.342.103.113, Internal Rate of Return sebesar 44%, dan Payback Period selama 7 tahun sehingga bisnis ini dapat dinyatakan layak untuk dijalankan. Selain itu, di akhir penelitian juga dilakukan analisis sensitivitas dari model kelayakan finansial dimana ditemukan bahwa variabel yang paling berpengaruh terhadap hasil akhir kelayakan finansial adalah variabel inflasi gaji, discount rate, dan pendapatan tahunan.

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ABSTRACTWith an average number of 170,000 pregnant women annually, Jakarta opens huge business opportunities for service industries that offer digital services for mothers in maternity period. That opportunity brings out the creation of the idea of an integrated online website that provides a wide range of needs of a mother, including information regarding pregnancy, doctors? online booking service, and a baby gift registry service. However, before making a decision to make an investment to such business, it is required to calculate the financial feasibility study related to the implementation of the platform. This study presents the results of the calculation of the financial feasibility of the implementation of the platform by using the approach of several feasibility study methods such as Net Present Value, Internal Rate of Return and Payback Period. After the research has been conducted and findings are generated, it is known that the implementation of this platform will yield a Net Present Value of Rp 48,342,103,113, an Internal Rate of Return of 44%, and 7 years worth of Payback Period, which resulted in a conclusion that the investment is feasible to run. In addition, at the end of the study, sensitivity analysis of the financial model is also conducted in which three variables that have the most influence on the final value of the financial feasibility of the platform are known. Those sensitive variables are wage inflation rate, discount rate, and annual revenue"

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