KIM Kepel Pasuruan
Every risk has its own characteristics which differ from each other, each risk management policy requires the analysis of certain or specific to the management and handling. Most Employers recognize only apparent risk / most clearly visible or aesthetically. For example a restaurant owner who plans to go to a destination can easily predict the risk of occupational safety of the staff, and can take reasonable precautions to provide adequate instructions to its staff in carrying out his job.
But for the risk of new competitors may not be easily identified. Need an in-depth analysis to identify, prioritize the risks do not just easily visible.
A concept at present in risk management is to classify risk into 3 (three) types:
• The opportunity / risk-based Opportunities
• Uncertainty of risk-based
• Hazard risk-based.
Opportunity / Risk-Based Opportunity
There are two main aspects of the opportunity / risk-based Opportunity:
1. Does not take a chance and
2. Take a chance.
In the second aspect is the conscious decision to accept the identified risks associated with the opportunity and then to implement processes to minimize negative impacts and maximize profits.
Risk-based opportunities may or may not be seen clearly, often the risk can have a positive or negative results, and it can be influential in the short and long term. Risk-based opportunities for small businesses include: business moving to new locations; buy a new property; develop the business, and diversify product lines.
Uncertainty-Based Risk
Uncertainty-based risk is the risk associated with events that are unknown and unpredictable. This type of risk is the risk of major force such as war, natural disasters, as well as pristiwa-pristiwa terrorists. The point of this risk can not be identified even by an entrepreneur’s most accomplished though.
Uncertainty-based risk is: unknown or very difficult to quantify; like disaster / calamity or natural disaster; associated with negative results, and it is impossible for the control
Uncertainty-based risk for small businesses include: physical damage or damage to the building by fire or flood; financial loss, loss of vital suppliers; unexpected insurance losses, and loss of market share.
Preparing for uncertainty
By their very nature, disasters and unexpected the unexpected. A business owner should plan accordingly and determine how to minimize business disruption.
There are various methods of management to minimize the impact of uncertain events in the business.
Examples are:
• disaster and emergency planning
• planning to recover from disaster
• business continuity planning to ensure business can continue operating after a major disturbance.
Risk-Based Hazards
Hazard-based risk is the risk associated with the source of potential hazards or situations with the potential to cause damage. This is the most common issues associated with business risk management, such as those handled by the health and safety programs.
Risk-based hazard to small businesses include:
• Physical hazards – including noise, temperature or other environmental factors
• chemical hazards – including storage and / or use of flammable, poisonous, toxic or carcinogenic chemicals
• biological hazards – including viruses, bacteria, fungi and other harmful organisms
• ergonomic hazards – including poor workspace design, layout or activity and use of equipment
• psychological hazards that could result in physical or psychological harm, including intimidation, sexual discrimination, workload or job specification incompatibility with the ability of employees.
source: http://binaukm.com
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