Apa itu Seleksi Merugikan?
Seleksi Merugikan A situation in which higher-risk individuals are more likely to purchase insurance, leading to an imbalance in the risk pool and potential losses for the insurer.
Source: CFA Institute, IFRS Foundation, FASB (GAAP), Basel III Framework
How is “Seleksi Merugikan” Used in Practice?
Seleksi merugikan dapat meningkatkan biaya klaim jika portofolio asuransi didominasi peserta berisiko tinggi.
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Who Needs to Know This Term?
- Financial Analysts
- Bankers
- Traders
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Apa itu Seleksi Merugikan?
A situation in which higher-risk individuals are more likely to purchase insurance, leading to an imbalance in the risk pool and potential losses for the insurer.
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