0:0:0.0 --> 0:0:0.

390
Rabihah Md Sum
Contact.
0:0:5.0 --> 0:0:5.520
Rabihah Md Sum
OK.
0:0:5.570 --> 0:0:5.970
Rabihah Md Sum
Thank you.
0:0:12.20 --> 0:0:36.780
Rabihah Md Sum
OK, so let's recall what we have learned last week, OK, so we our last week, we should be able to we we
are exposed to to the rest definition and restart and then risk category or risk classification.
0:0:37.70 --> 0:0:40.820
Rabihah Md Sum
So by this time, hopefully by right.
0:0:40.830 --> 0:0:44.600
Rabihah Md Sum
Yeah, by this time you should be able to define risk.
0:0:44.910 --> 0:0:49.580
Rabihah Md Sum
Understand that how risk can be can be defined.
0:0:50.220 --> 0:0:59.160
Rabihah Md Sum
Uh, differently based on the expertise or based on the application areas.
0:1:0.50 --> 0:1:1.710
Rabihah Md Sum
And then we also know that.
0:1:4.10 --> 0:1:6.40
Rabihah Md Sum
A Reece has many definitions.
0:1:6.530 --> 0:1:15.910
Rabihah Md Sum
There is no one definition of Risk, and then we also learn about risk type.
0:1:16.880 --> 0:1:20.580
Rabihah Md Sum
Umm, despite all speculative and so on.
0:1:20.850 --> 0:1:31.120
Rabihah Md Sum
Then we also learn about risk categories or risk classification, which is how do we, umm, categorize the
risk?
0:1:31.130 --> 0:1:37.250
Rabihah Md Sum
We know that there's so many risk categorization out there we there are for example we have.
0:1:37.260 --> 0:1:39.80
Rabihah Md Sum
We know there's a financial risk.
0:1:39.90 --> 0:1:41.230
Rabihah Md Sum
There's a economic risk.
0:1:41.240 --> 0:1:49.170
Rabihah Md Sum
That's a investment risk, market risk, cyber risk, the legal risk, political risk.
0:1:49.180 --> 0:1:57.110
Rabihah Md Sum
But the point here is not a learning about the definition of what is a strategic risk?
0:1:57.120 --> 0:1:58.460
Rabihah Md Sum
What is operational risk?
0:1:59.940 --> 0:2:7.340
Rabihah Md Sum
Those are those definitions you can find everywhere in books there in the Internet when you Google.
0:2:9.450 --> 0:2:12.540
Rabihah Md Sum
When you ask, for example, what is the definition of financial risk?
0:2:12.550 --> 0:2:23.150
Rabihah Md Sum
Or you just Googled financial risk or you just Google, Umm, operational risk you will find so many
definitions of operational risk.
0:2:23.400 --> 0:2:36.250
Rabihah Md Sum
But the point here is that how do you how do you decide that this particular risk that you have identified
belongs to this particular categories?
0:2:36.340 --> 0:2:46.880
Rabihah Md Sum
For example, is this risk that you you define belongs to economic risk, or is this a a financial risk, or is this
a market restore?
0:2:47.320 --> 0:2:54.400
Rabihah Md Sum
What we learned last week is about how do you put that risk into this group into this category?
0:2:54.690 --> 0:3:9.760
Rabihah Md Sum
So we can we know that we can follow whether we are going to base on uh, the origin where the risk
comes from the sources of due to the impact where that's the risk impact.
0:3:9.770 --> 0:3:16.810
Rabihah Md Sum
So if the risk causes you financial losses, maybe you want to put it into financial risk.
0:3:18.560 --> 0:3:20.780
Rabihah Md Sum
Ohh, budget budgeting risk.
0:3:20.820 --> 0:3:21.450
Rabihah Md Sum
OK.
0:3:21.640 --> 0:3:37.370
Rabihah Md Sum
If the risk impacted your uh stuff, OK, your human resource mean it causes bodily injury, for example, or
it causes health or problem, it causes illness.
0:3:37.660 --> 0:3:45.230
Rabihah Md Sum
Maybe you say that OK because it's impact, the impact is related to health, the impact related to illness.
0:3:45.240 --> 0:3:50.870
Rabihah Md Sum
Then maybe you want to put it into the health, health and safety risk.
0:3:51.60 --> 0:3:53.390
Rabihah Md Sum
OK, Occupational health and safety risk.
0:3:53.450 --> 0:3:54.900
Rabihah Md Sum
So that's how you decide.
0:3:55.470 --> 0:4:4.200
Rabihah Md Sum
Or you maybe you want to follow a standardized classification, for example pastel, or you want to follow
the actuarial, the casualty actuarial society.
0:4:5.200 --> 0:4:17.880
Rabihah Md Sum
A group of reset the category of race so it it does not matter which way as long as you are following the
not the correct.
0:4:17.890 --> 0:4:35.990
Rabihah Md Sum
You are following the uh, you have a methodology here, meaning that you have a methodology or a
technique that you follow to classify your risk, meaning that it's not something that at one point you're
using the sources.
0:4:36.60 --> 0:4:37.590
Rabihah Md Sum
At one point you're following you.
0:4:37.600 --> 0:4:39.930
Rabihah Md Sum
You're using the impact at one point.
0:4:39.940 --> 0:4:42.830
Rabihah Md Sum
You are using the casualty actuarial society.
0:4:43.120 --> 0:4:57.250
Rabihah Md Sum
That's not how and that's not a correct approach, although the technique is correct, but your approach is
wrong because you are jumble up, you're jumbling up everything, so the the so the right way.
0:4:57.260 --> 0:5:1.590
Rabihah Md Sum
The correct approach is to decide which technique you want want to use.
0:5:2.70 --> 0:5:4.510
Rabihah Md Sum
OK, so you have to have a technique.
0:5:4.520 --> 0:5:21.140
Rabihah Md Sum
You cannot simply classify your risk and then when we when we you want to justify, why do you put this
particular risk into into a operational risk and you cannot answer you, you say I don't know, you cannot
answer, I don't know.
0:5:21.230 --> 0:5:23.860
Rabihah Md Sum
You must be able to justify your technique.
0:5:23.870 --> 0:5:25.300
Rabihah Md Sum
What technique are you using?
0:5:25.390 --> 0:5:29.820
Rabihah Md Sum
Is are you following the the source or the origin technique?
0:5:29.870 --> 0:5:44.280
Rabihah Md Sum
The impact technique or the you're following the categories that you're you're classification is based on
casualty, actuarial society or is it the classification is based on the Pestel analysis.
0:5:44.340 --> 0:5:47.870
Rabihah Md Sum
So you have to be able to determine what technique you are using.
0:5:48.500 --> 0:5:51.40
Rabihah Md Sum
Wish that Nik is up to you.
0:5:51.100 --> 0:5:59.850
Rabihah Md Sum
Which one that is more comfortable that you feel more that is more meaningful, meaningful to to you,
to your business or to your organization's.
0:5:59.860 --> 0:6:8.780
Rabihah Md Sum
OK, so this the last topic, the last subtopic, the last content in the topic of concept and definition of risk
is the risk concept.
0:6:10.0 --> 0:6:14.900
Rabihah Md Sum
This concept is sorry, is the concept of Risk at all risk concept.
0:6:15.10 --> 0:6:18.560
Rabihah Md Sum
So there are a few concept and the risk.
0:6:18.650 --> 0:6:22.280
Rabihah Md Sum
So the first one that I want to introduce to you is the risk exposure.
0:6:23.910 --> 0:6:26.110
Rabihah Md Sum
So it is a what is reset posure?
0:6:26.120 --> 0:6:29.850
Rabihah Md Sum
How do you say that I'm exposed to risk?
0:6:30.900 --> 0:6:40.350
Rabihah Md Sum
And how do you measure that so it risk exposure is measured by maximum amount of damage that you
will suffer if certain risk events occur.
0:6:40.760 --> 0:6:45.770
Rabihah Md Sum
So it's the maximum amount of damage, in other words, how much is my loss?
0:6:45.980 --> 0:6:49.550
Rabihah Md Sum
How much is the largest loss that I will suffer?
0:6:50.510 --> 0:6:52.60
Rabihah Md Sum
That is risk exposure.
0:6:52.510 --> 0:6:55.780
Rabihah Md Sum
So the bigger is your exposure.
0:6:56.920 --> 0:6:59.910
Rabihah Md Sum
Yeah, the bigger is the risk, the bigger is your losses.
0:7:0.850 --> 0:7:5.380
Rabihah Md Sum
Umm it that would be meaning that the bigger will be our risk exposure.
0:7:6.90 --> 0:7:7.80
Rabihah Md Sum
Simple example.
0:7:7.90 --> 0:7:22.520
Rabihah Md Sum
For example, you are you lend money to your friend, so this a friend a you give him 10 ringgit, a friend B
you lend him 100 ringgit.
0:7:23.640 --> 0:7:33.70
Rabihah Md Sum
So of course, theories exposure to to the 100 ringgit is bigger because if your friend does not pay back
the money, you lose 100.
0:7:33.80 --> 0:7:44.750
Rabihah Md Sum
Ring it in comparison to your friend ET that you only give him or her A10 ringgit, so if your friend did not
pay, that's not a pay you.
0:7:46.120 --> 0:7:48.30
Rabihah Md Sum
Then you just lose 10 ringgit.
0:7:48.500 --> 0:7:54.820
Rabihah Md Sum
So in this situation, the risk exposure in terms of a landing.
0:7:56.740 --> 0:8:8.120
Rabihah Md Sum
It's bigger for you to your friend be because they're giving him a more money, which used to hundred
100 ringgit in comparison to 10 ringgit.
0:8:8.990 --> 0:8:11.390
Rabihah Md Sum
OK, so for a same goes with.
0:8:12.590 --> 0:8:13.230
Rabihah Md Sum
Uh.
0:8:15.250 --> 0:8:16.940
Rabihah Md Sum
For example, you're a bank?
0:8:16.950 --> 0:8:17.170
Rabihah Md Sum
Yeah.
0:8:17.390 --> 0:8:19.120
Rabihah Md Sum
So we let go.
0:8:19.130 --> 0:8:21.100
Rabihah Md Sum
Let's go for a organization.
0:8:21.210 --> 0:8:22.930
Rabihah Md Sum
Let's say we go for a bank.
0:8:22.990 --> 0:8:34.140
Rabihah Md Sum
So when a bank the the bigger the amount of money that we borrow from the bank, the bigger will be
the risk exposure to the bank.
0:8:34.350 --> 0:8:44.20
Rabihah Md Sum
For example, for a a person a borrowed uh 100,000 ringgit and person B borrow 300,000 ringgit.
0:8:45.320 --> 0:8:48.410
Rabihah Md Sum
So of course the to the bank.
0:8:48.520 --> 0:8:49.170
Rabihah Md Sum
OK.
0:8:49.680 --> 0:8:53.520
Rabihah Md Sum
The credit risk, OK or the loan default.
0:8:53.560 --> 0:8:58.740
Rabihah Md Sum
OK, I thought that OK default is larger.
0:8:58.990 --> 0:9:12.360
Rabihah Md Sum
The risk to the bank, the risk exposure is lighter for the 300 ringgit loan compared to hundred 100 ringgit
loan, so that is how we measure risk exposure.
0:9:13.220 --> 0:9:20.70
Rabihah Md Sum
OK, so the bigger the losses, the bigger your expected losses, because we're talking about risk here.
0:9:20.380 --> 0:9:34.90
Rabihah Md Sum
So the bigger the expected losses or the higher chance is the meaning that there will be a higher chances
that your borrower is not going to pay back the money that they borrow from you.
0:9:34.560 --> 0:9:38.170
Rabihah Md Sum
So the larger the amount is, the bigger the chances.
0:9:38.340 --> 0:9:41.890
Rabihah Md Sum
So that makes your risk exposure bigger, OK.
0:9:41.940 --> 0:9:44.810
Rabihah Md Sum
The same goes for example, in everyday life.
0:9:44.880 --> 0:9:46.510
Rabihah Md Sum
Let's say you have a a.
0:9:46.550 --> 0:9:49.850
Rabihah Md Sum
You are a a transportation company.
0:9:51.400 --> 0:9:53.420
Rabihah Md Sum
OK, so you night boss.
0:9:53.430 --> 0:9:53.890
Rabihah Md Sum
Yeah, you.
0:9:53.900 --> 0:9:58.790
Rabihah Md Sum
There's a night bus, so the the longer the journey.
0:9:58.980 --> 0:9:59.260
Rabihah Md Sum
OK.
0:9:59.270 --> 0:10:4.550
Rabihah Md Sum
Like you would you HANNANI the longer the journey, the high, the bigger is the risk exposure.
0:10:5.20 --> 0:10:5.660
Rabihah Md Sum
Why?
0:10:5.730 --> 0:10:12.70
Rabihah Md Sum
Because the longer the journey, the higher chances that you would that you will face collision.
0:10:13.110 --> 0:10:19.140
Rabihah Md Sum
Give so image, just imagine, uh incompatibility compare in your everyday life.
0:10:19.150 --> 0:10:20.890
Rabihah Md Sum
Let's say from.
0:10:23.480 --> 0:10:24.980
Rabihah Md Sum
You seem well.
0:10:25.570 --> 0:10:31.680
Rabihah Md Sum
Turn gaidu in comparison from in comparison to you seem to collam.
0:10:31.810 --> 0:10:34.580
Rabihah Md Sum
OK, let's say that that that's how why you Dr.
0:10:34.590 --> 0:10:35.930
Rabihah Md Sum
OK, Catala you drive here.
0:10:35.940 --> 0:10:37.320
Rabihah Md Sum
Let's make it personal.
0:10:38.70 --> 0:10:40.800
Rabihah Md Sum
Much more easier for you to understand your risk exposure.
0:10:40.990 --> 0:10:42.500
Rabihah Md Sum
They say you are driving from.
0:10:42.510 --> 0:10:46.890
Rabihah Md Sum
You seem to to qualiter ganu in comparison from.
0:10:46.900 --> 0:10:51.540
Rabihah Md Sum
You seem to Bandar Kalam, Jerry Ahlam.
0:10:51.730 --> 0:11:1.550
Rabihah Md Sum
So the distance is much much umm shorter from nilai or from you seem to shalam.
0:11:1.560 --> 0:11:5.690
Rabihah Md Sum
In comparison, you want to try from USIM 2 color trigano.
0:11:6.20 --> 0:11:6.690
Rabihah Md Sum
So.
0:11:7.440 --> 0:11:19.260
Rabihah Md Sum
So the chances of you to be to collision accident or collision is higher A for the distance from you seem to
qualitrol gyno.
0:11:19.270 --> 0:11:24.150
Rabihah Md Sum
So you put your, uh, like, the likelihood of the risk is larger.
0:11:24.160 --> 0:11:25.360
Rabihah Md Sum
Yeah. Because why?
0:11:25.370 --> 0:11:29.260
Rabihah Md Sum
Because you are as opposed to long distance driving.
0:11:29.550 --> 0:11:47.280
Rabihah Md Sum
So your risk exposure is larger or is bigger for for the driving from USIM to qualiton gyno compared to
USIM too shallow because you lose you your exposure to collision or exposure to to.
0:11:49.870 --> 0:11:58.940
Rabihah Md Sum
To accident, uh relates their correlates to the distance of driving like you do, like thingy.
0:11:59.50 --> 0:12:7.620
Rabihah Md Sum
The likelihood for collision for car collision or for accident, that's how you make you you measure
exposure.
0:12:8.10 --> 0:12:8.720
Rabihah Md Sum
OK.
0:12:8.790 --> 0:12:11.220
Rabihah Md Sum
So some exposure can be hard.
0:12:11.230 --> 0:12:12.980
Rabihah Md Sum
Science upon my heart.
0:12:12.990 --> 0:12:20.580
Rabihah Md Sum
Science any meaning at the exposure can be quantify in terms of money, eringate dollar or numbers.
0:12:20.710 --> 0:12:25.890
Rabihah Md Sum
How many people will involve will be how many people will be injured?
0:12:26.240 --> 0:12:28.430
Rabihah Md Sum
How many people you will lost?
0:12:28.520 --> 0:12:30.370
Rabihah Md Sum
How many people can die?
0:12:30.420 --> 0:12:40.20
Rabihah Md Sum
OK, so ah, science means something that you can quantify, and that's not necessarily a quantify in terms
of a dollar amount or money.
0:12:40.30 --> 0:12:50.590
Rabihah Md Sum
Yeah, it can also be quantified in terms of numbers, people they may, they may property a number of
losses, OK.
0:12:50.600 --> 0:12:51.190
Rabihah Md Sum
And so on.
0:12:51.680 --> 0:12:59.310
Rabihah Md Sum
Another research posure can also be measured using qualitative qualitative measurements.
0:12:59.680 --> 0:13:9.610
Rabihah Md Sum
Is the one that you also you always see the Lubuntu like a scalar or 123455 means large exposure or
stream exposure.
0:13:9.720 --> 0:13:14.430
Rabihah Md Sum
One means a very small exposure, for example.
0:13:14.440 --> 0:13:17.240
Rabihah Md Sum
So the word is like Likert.
0:13:18.390 --> 0:13:24.530
Rabihah Md Sum
Only Google Daddy applied to like skill, so that is qualitative measurement.
0:13:25.0 --> 0:13:36.730
Rabihah Md Sum
OK, where you check up you you did not have it in numbers in quantifiable umm value but you have it in
more on the judgmental value.
0:13:36.860 --> 0:13:49.970
Rabihah Md Sum
So very big, large, very large exposure, large exposure, medium exposure exposure, then you have small,
small and very small exposure.
0:13:49.980 --> 0:13:57.510
Rabihah Md Sum
So that is 5 level already, so that is qualitative and why do we have this qualitative?
0:13:57.520 --> 0:14:6.840
Rabihah Md Sum
Because some risk are not easily quantifiable, for example, operational risk compliance risk, they are not
easily quantifiable.
0:14:8.460 --> 0:14:8.850
Rabihah Md Sum
OK.
0:14:8.860 --> 0:14:19.320
Rabihah Md Sum
Another the second risk concept is volatility, volatility, volatility, one that you measure using variance and
standard deviation.
0:14:20.590 --> 0:14:28.310
Rabihah Md Sum
OK, so most of the time for the quantifiable uh Violet volatility can be quantified.
0:14:28.670 --> 0:14:35.790
Rabihah Md Sum
It can be quantified using variance because it measures the variability of potential outcomes.
0:14:36.150 --> 0:14:40.120
Rabihah Md Sum
OK, it's measures the ups and downs of potential outcome.
0:14:40.210 --> 0:14:42.120
Rabihah Md Sum
So it measures uncertainty.
0:14:42.130 --> 0:14:43.980
Rabihah Md Sum
How uncertain is the future?
0:14:44.350 --> 0:14:45.540
Rabihah Md Sum
So how do you know?
0:14:46.890 --> 0:14:52.420
Rabihah Md Sum
I do decide whether the uncertainty is higher or medium or lower.
0:14:52.600 --> 0:14:58.970
Rabihah Md Sum
You can use the uh, quantify quantifiable way, provided you have data.
0:14:59.240 --> 0:15:9.930
Rabihah Md Sum
So to calculate variance so you know variance that if I declare statistic so they like to say Ola Cassinia
Jerry you know you need to know already.
0:15:10.220 --> 0:15:13.230
Rabihah Md Sum
OK, bye now you can bless us about variances.
0:15:13.240 --> 0:15:13.670
Rabihah Md Sum
Are you?
0:15:13.780 --> 0:15:19.510
Rabihah Md Sum
I hope that you understood how you calculate variance and from various you get standard deviation.
0:15:19.720 --> 0:15:23.360
Rabihah Md Sum
So these two measurement is measuring volatility.
0:15:24.910 --> 0:15:35.250
Rabihah Md Sum
OK, so the greater is still volatility or the greater is your standard deviation means that the higher is the
risk because the future becomes more uncertain.
0:15:36.870 --> 0:15:37.840
Rabihah Md Sum
Guess you cannot.
0:15:37.850 --> 0:15:38.700
Rabihah Md Sum
You don't know.
0:15:39.650 --> 0:15:46.760
Rabihah Md Sum
There's so many things that you don't know when there's standard deviation is larger, larger, large or big.
0:15:47.110 --> 0:15:55.880
Rabihah Md Sum
So for example, the the place that the that we always use a standard deviation is you market risk.
0:15:56.410 --> 0:15:57.20
Rabihah Md Sum
OK.
0:15:57.70 --> 0:16:17.120
Rabihah Md Sum
So market risk mostly we quantify the volatility using standard deviation in other type of Risk we use well
variance, OK, so we can use variance, we can use various extended deviation to measure how uncertain
is the future.
0:16:17.130 --> 0:16:26.610
Rabihah Md Sum
For example, let's say you want to know the price of energy or a spike in energy prices in Tonia harrigal
electricity.
0:16:28.60 --> 0:16:28.710
Rabihah Md Sum
OK.
0:16:28.770 --> 0:16:30.660
Rabihah Md Sum
So uh harga petroleum.
0:16:31.570 --> 0:16:38.810
Rabihah Md Sum
So you don't know whether the price will increase or decrease because it's it's a volatile market or the?
0:16:40.230 --> 0:16:42.240
Rabihah Md Sum
Movement of share prices.
0:16:42.950 --> 0:16:49.30
Rabihah Md Sum
OK, you don't know what could be the price of shares even one hour from now.
0:16:50.60 --> 0:16:59.770
Rabihah Md Sum
So how how do you decide whether it's this assess very risky or not so risky for me to invest.
0:16:59.990 --> 0:17:13.690
Rabihah Md Sum
So you calculate the standard deviation the how you calculate standard deviation is the same formula
that you that you learn in your statistic class or probability class.
0:17:14.480 --> 0:17:18.660
Rabihah Md Sum
I will send it TUAN that the formula in this upper class statistics.
0:17:18.790 --> 0:17:19.440
Rabihah Md Sum
You too, like dear.
0:17:19.870 --> 0:17:20.390
Rabihah Md Sum
OK.
0:17:20.430 --> 0:17:20.800
Rabihah Md Sum
So you.
0:17:20.810 --> 0:17:34.350
Rabihah Md Sum
Yeah, can keep the good did alarm risk management keep the formula has said we don't have a a specific
formula or special standard deviation formula for risk management.
0:17:34.610 --> 0:17:35.530
Rabihah Md Sum
No such things.
0:17:35.540 --> 0:17:37.780
Rabihah Md Sum
So, so, so could we use it?
0:17:37.790 --> 0:17:44.510
Rabihah Md Sum
We use the standard deviation formula from statistics area.
0:17:44.940 --> 0:17:45.230
Rabihah Md Sum
OK.
0:17:45.240 --> 0:17:51.190
Rabihah Md Sum
Downbeat that reported your field of study statistics and we apply it to risk management.
0:17:52.420 --> 0:17:58.530
Rabihah Md Sum
OK, so the same formula, but instead of you just calculate standard deviation.
0:17:58.540 --> 0:18:3.800
Rabihah Md Sum
How pale you have file and then you just you learn.
0:18:3.810 --> 0:18:9.140
Rabihah Md Sum
Yeah, you bought like the hand quantitative Dalam class statistic or probability.
0:18:9.200 --> 0:18:22.640
Rabihah Md Sum
Now you see the application here in risk management where if you want to know how volatile accepted
risk is is by calculating extended division.
0:18:23.490 --> 0:18:32.240
Rabihah Md Sum
So the bigger the standard deviation, the larger is the risk means the the risk or the future.
0:18:32.470 --> 0:18:50.540
Rabihah Md Sum
The movement of the risk is more uncertain, so the more uncertain is the future means that the higher
will be the risk, so the greater the volatility, the higher the risk, the greater the standard deviation, the
higher the risk.
0:18:52.920 --> 0:18:53.390
Rabihah Md Sum
OK.
0:18:53.400 --> 0:18:56.770
Rabihah Md Sum
Then the third concept is probability.
0:18:57.100 --> 0:19:9.230
Rabihah Md Sum
This so we measure probability to to we calculate probability because you wanted to know the possibility
that person outcome will occur.
0:19:9.540 --> 0:19:10.90
Rabihah Md Sum
OK.
0:19:10.170 --> 0:19:16.10
Rabihah Md Sum
We want to see the possibility that a certain outcome or a certain risk will occur.
0:19:16.380 --> 0:19:24.450
Rabihah Md Sum
For example, we talk about rain, OK, so rain is a risk because we don't know whether it will rain or it will
not rain.
0:19:24.980 --> 0:19:26.30
Rabihah Md Sum
So how do you do?
0:19:26.40 --> 0:19:27.910
Rabihah Md Sum
How do you quantify?
0:19:27.920 --> 0:19:39.900
Rabihah Md Sum
How do you decide whether this whether what is the risk of rain tomorrow or this afternoon, for
example, so you can calculate the probability?
0:19:40.670 --> 0:19:47.780
Rabihah Md Sum
So let's say if there is a 70% chance of rain tomorrow, so that is your risk concept.
0:19:48.190 --> 0:19:54.430
Rabihah Md Sum
OK, you know that there is a high likelihood or high probability that it will rain tomorrow.
0:19:54.620 --> 0:19:59.820
Rabihah Md Sum
Or if you said there is a 20% chance that it will rain this afternoon.
0:20:0.90 --> 0:20:3.960
Rabihah Md Sum
So you know that, OK, that's a very low probability that you would.
0:20:4.280 --> 0:20:12.330
Rabihah Md Sum
It will rain this afternoon, so probability is also a risk measurement because we wanted to know how.
0:20:12.340 --> 0:20:13.630
Rabihah Md Sum
What are the chances?
0:20:13.780 --> 0:20:18.190
Rabihah Md Sum
What are the possibilities that a particular risk will occur in the future?
0:20:19.820 --> 0:20:21.250
Rabihah Md Sum
Now we have likelihood.
0:20:21.300 --> 0:20:40.420
Rabihah Md Sum
OK, the problem that we all we face here is, is that, uh, people that is outside risk management area, OK,
you like to say like to use a likelihood as if it is a probability.
0:20:41.720 --> 0:20:53.320
Rabihah Md Sum
OK, so I'm talking about people who do not learn risk management who have never attended any formal
risk management classes or training and talking about formal.
0:20:54.750 --> 0:20:58.890
Rabihah Md Sum
They like to they what they do.
0:20:59.0 --> 0:20:59.590
Rabihah Md Sum
OK.
0:20:59.660 --> 0:21:5.750
Rabihah Md Sum
Is they will consider likelihood and probability are the same thing.
0:21:6.200 --> 0:21:13.560
Rabihah Md Sum
OK, now that you are taking a formularies management classes, you need to understand that the
concept is different.
0:21:14.810 --> 0:21:17.330
Rabihah Md Sum
Probability is not the same as likelihood.
0:21:18.640 --> 0:21:22.250
Rabihah Md Sum
OK, so likelihood refers to chances.
0:21:22.560 --> 0:21:32.520
Rabihah Md Sum
Probability refers to possibilities, so when they talk about when we talk about possibilities, it has to be in
quantitative measurement.
0:21:32.950 --> 0:21:38.590
Rabihah Md Sum
So it can be 70% chance it can be 1 / 100 times.
0:21:39.970 --> 0:21:42.150
Rabihah Md Sum
OK, So what over 100 times.
0:21:42.160 --> 0:21:46.830
Rabihah Md Sum
So we can change to percentage like an OK or it can be 0.1.
0:21:47.970 --> 0:21:51.540
Rabihah Md Sum
Uh, the the probability is cause some popular too.
0:21:51.710 --> 0:21:56.20
Rabihah Md Sum
It has to be in quantitative measurement for probability.
0:21:56.510 --> 0:22:1.720
Rabihah Md Sum
On the other hand versus likelihood, it can be qualitative assessment.
0:22:3.200 --> 0:22:5.790
Rabihah Md Sum
OK, so it is a chances.
0:22:6.140 --> 0:22:7.380
Rabihah Md Sum
It is a possibility.
0:22:9.390 --> 0:22:14.820
Rabihah Md Sum
OK, so likelihood refers to the chances of an unlikely event happening.
0:22:14.870 --> 0:22:24.80
Rabihah Md Sum
Summer it refers to the chances, I mean summer in terms of events, events of of something that we
don't want to occur is the risk event.
0:22:24.610 --> 0:22:27.140
Rabihah Md Sum
Probability is also referring to risk.
0:22:27.630 --> 0:22:35.790
Rabihah Md Sum
Is also referring to risk event event that we consider as risk likelihood is the same too is the first to risk it.
0:22:35.850 --> 0:22:46.730
Rabihah Md Sum
If refers to unlikely event except that we talk about chances, so it has qualitative measurement, it is a
subjective measurement.
0:22:48.240 --> 0:22:54.560
Rabihah Md Sum
For example, if you want to differentiate between a rain so.
0:22:54.670 --> 0:22:55.130
Rabihah Md Sum
You want to.
0:22:56.120 --> 0:23:0.150
Rabihah Md Sum
You don't want to give it a quantitative measurement.
0:23:1.150 --> 0:23:12.60
Rabihah Md Sum
Then you used the word that is a high likelihood of rain tomorrow or there is a high likelihood there is a
low likelihood of rain this afternoon.
0:23:12.390 --> 0:23:24.340
Rabihah Md Sum
So that is when you use the word high likelihood low likelihood of very little chances, you are actually
talking about likelihood, not probability.
0:23:25.890 --> 0:23:33.320
Rabihah Md Sum
When you talk, when you want to say there's a high probability of rain tomorrow, then that is wrong.
0:23:35.160 --> 0:23:38.50
Rabihah Md Sum
OK, you are you are using the risk concept wrong.
0:23:39.400 --> 0:23:43.570
Rabihah Md Sum
OK, Carla, you know that he's there is a high probability.
0:23:43.580 --> 0:23:44.910
Rabihah Md Sum
You don't say hi.
0:23:45.0 --> 0:24:3.40
Rabihah Md Sum
You will say there is a 90% chance or there is a 90% possibility or they say 90% probability that it will rain
tomorrow because you want to use the word high likelihood, you're not replace high likelihood, they'll
probability.
0:24:3.170 --> 0:24:8.690
Rabihah Md Sum
So there must be a quantitative measurement in that sentence.
0:24:9.740 --> 0:24:21.50
Rabihah Md Sum
OK, so this is a concept that when people do not go for formal risk management training or formal risk
management classes misunderstood.
0:24:21.160 --> 0:24:24.570
Rabihah Md Sum
They think that probability and likelihood is the same thing.
0:24:25.20 --> 0:24:26.930
Rabihah Md Sum
OK, it's not OK.
0:24:26.940 --> 0:24:28.450
Rabihah Md Sum
The concept is different.
0:24:28.940 --> 0:24:37.430
Rabihah Md Sum
OK, so the English management, the word probability will often be used to describe the likelihood of a
risk materializing in.
0:24:37.870 --> 0:24:39.610
Rabihah Md Sum
This is the thing that I said just now.
0:24:39.870 --> 0:24:46.180
Rabihah Md Sum
OK, most people, most most practitioners, will equate.
0:24:46.190 --> 0:24:46.820
Rabihah Md Sum
Yeah, we'll.
0:24:48.80 --> 0:24:53.460
Rabihah Md Sum
Uh, we say that probability and likelihood is the same thing.
0:24:53.470 --> 0:24:55.340
Rabihah Md Sum
They will use it as if it's the same.
0:24:56.370 --> 0:24:58.280
Rabihah Md Sum
It's the same definition.
0:24:58.290 --> 0:25:4.60
Rabihah Md Sum
Is the same measurement for reason, but this same concept for risk, but in actuality it's not.
0:25:4.70 --> 0:25:4.980
Rabihah Md Sum
It's double.
0:25:6.440 --> 0:25:21.480
Rabihah Md Sum
OK, so if the concept is different probability referring to quantitative measurement and likelihood refers
to qualitative assessment, qualitative measurement of right of research is subjective.
0:25:21.540 --> 0:25:21.910
Rabihah Md Sum
OK.
0:25:21.920 --> 0:25:23.550
Rabihah Md Sum
So you still like Jelly?
0:25:23.660 --> 0:25:24.470
Rabihah Md Sum
You can go now.
0:25:24.720 --> 0:25:27.90
Rabihah Md Sum
My check concept will likely.
0:25:27.240 --> 0:25:32.440
Rabihah Md Sum
Sorry concept with exposure that other qualitative measurement.
0:25:32.840 --> 0:25:39.370
Rabihah Md Sum
OK, but it resets posure there is no differentiation between inequality active quantitative.
0:25:39.440 --> 0:25:46.750
Rabihah Md Sum
OK, so it does color you what qualitative a catalog that you will suffer a very large loss.
0:25:47.700 --> 0:25:52.980
Rabihah Md Sum
So you still got the is risk exposure, except that it's the qualitative measurement.
0:25:53.50 --> 0:26:4.80
Rabihah Md Sum
But in when you want to predict, uh, you want to foresee the possibility or the chances of any of a risk
event to occur.
0:26:5.880 --> 0:26:6.910
Rabihah Md Sum
You cannot be.
0:26:6.960 --> 0:26:12.210
Rabihah Md Sum
You cannot separate between, uh, quantity, color and aguna probability.
0:26:12.220 --> 0:26:21.430
Rabihah Md Sum
Make sure there is a quantitative measurement and if you want to use 100% subjective you have to use.
0:26:21.440 --> 0:26:24.350
Rabihah Md Sum
You have to know that you have to use likelihood.
0:26:24.440 --> 0:26:28.420
Rabihah Md Sum
You have to use the word likelihood because you cannot.
0:26:28.430 --> 0:26:38.440
Rabihah Md Sum
For example, you cannot use the you you don't have data the data so much money network quantitative
measurement, which in probability OK, no choice.
0:26:38.450 --> 0:26:42.830
Rabihah Md Sum
You have to use subjective assessment, so subjective assessment money.
0:26:42.830 --> 0:26:44.600
Rabihah Md Sum
Near you are computer brigata.
0:26:44.610 --> 0:26:50.120
Rabihah Md Sum
I'm likelihood you are you use likelihood to refer to the possibility of a risk occurring.
0:26:51.120 --> 0:26:55.50
Rabihah Md Sum
OK, so that's the concept between probability and likelihood.
0:26:55.440 --> 0:26:58.810
Rabihah Md Sum
Now the concept of severity severity refers capital.
0:26:58.820 --> 0:27:0.360
Rabihah Md Sum
How bad might be?
0:27:1.770 --> 0:27:7.340
Rabihah Md Sum
OK, it is the amount of damage that is actually the word is actually here.
0:27:7.350 --> 0:27:11.460
Rabihah Md Sum
Yeah, actually likely to be suffered the actual amount.
0:27:12.530 --> 0:27:17.260
Rabihah Md Sum
Reese exposure is not the actual amount is the maximum amount.
0:27:20.750 --> 0:27:26.480
Rabihah Md Sum
The amount the maximum amount, the how large, how much is my losses?
0:27:26.490 --> 0:27:32.520
Rabihah Md Sum
Much reference to what is the maximum amount of losses that I will suffer?
0:27:32.570 --> 0:27:33.870
Rabihah Md Sum
Maximum amount.
0:27:34.940 --> 0:27:38.290
Rabihah Md Sum
See, variety is not maximum is the actual amount.
0:27:39.670 --> 0:27:42.470
Rabihah Md Sum
OK, so maximum and actual is different.
0:27:44.80 --> 0:27:50.870
Rabihah Md Sum
Sometimes Apple and you cut the the actual maximum does not blacko.
0:27:50.880 --> 0:27:52.470
Rabihah Md Sum
Yeah, sorry.
0:27:52.540 --> 0:27:55.920
Rabihah Md Sum
The actual amount is lesser than the maximum amount.
0:27:56.830 --> 0:27:57.220
Rabihah Md Sum
OK.
0:27:57.230 --> 0:27:59.140
Rabihah Md Sum
We target certain amount.
0:27:59.150 --> 0:28:7.910
Rabihah Md Sum
We think that we're gonna suffer this, this loss, like similar losses, but the actual is not that high.
0:28:8.290 --> 0:28:10.340
Rabihah Md Sum
OK, so let's go back to your.
0:28:12.0 --> 0:28:17.330
Rabihah Md Sum
Landing Daddy so catala you land your friend 100 ringgit.
0:28:17.340 --> 0:28:18.790
Rabihah Md Sum
Daddy, you.
0:28:18.840 --> 0:28:27.870
Rabihah Md Sum
So if we talk about risk exposure, OK, we are our risk exposure is handling date because that is the
chances that.
0:28:29.250 --> 0:28:32.130
Rabihah Md Sum
That your friend does not pay at all.
0:28:32.470 --> 0:28:33.410
Rabihah Md Sum
OK. Did I?
0:28:33.470 --> 0:28:37.40
Rabihah Md Sum
Did I did Pincher handling it and they taught by your lunch soon?
0:28:37.730 --> 0:28:44.50
Rabihah Md Sum
But in actuality, you're severity may not be handling it.
0:28:44.310 --> 0:28:46.990
Rabihah Md Sum
Monkey, Dibaya, digger flooring gate.
0:28:47.370 --> 0:28:53.660
Rabihah Md Sum
Then after that, the another 72 did Abaya, so that's 70.
0:28:53.670 --> 0:28:56.670
Rabihah Md Sum
Is your severity OK?
0:28:56.680 --> 0:29:2.890
Rabihah Md Sum
Because that is the actual risk or the actual amount of loss or your actual amount of damage.
0:29:4.900 --> 0:29:5.490
Rabihah Md Sum
OK.
0:29:5.540 --> 0:29:7.770
Rabihah Md Sum
So somewhere you girl colored in a bank.
0:29:7.820 --> 0:29:8.110
Rabihah Md Sum
OK.
0:29:8.120 --> 0:29:9.70
Rabihah Md Sum
The Cut Bank.
0:29:9.920 --> 0:29:11.470
Rabihah Md Sum
They their pinch and they cut you.
0:29:11.480 --> 0:29:15.670
Rabihah Md Sum
You pincham they are banks that are those serratus rebooting gate.
0:29:16.780 --> 0:29:26.560
Rabihah Md Sum
So some people they I can buy a buy a, buy a buyer and then the last 20,000 ringgit to the buyer.
0:29:27.40 --> 0:29:27.230
Rabihah Md Sum
Yeah.
0:29:28.240 --> 0:29:30.120
Rabihah Md Sum
Sebagai Apple, who Tang that?
0:29:30.670 --> 0:29:34.870
Rabihah Md Sum
Uh, that the eventually become mutant lappu?
0:29:34.880 --> 0:29:49.150
Rabihah Md Sum
OK, so 2020, 20,000 ring, it took us Lalibela code and then bank and the last 20,000 that a bayada, OK, so
80,000 salicide abaya, another 20,000 buyer.
0:29:49.220 --> 0:29:53.310
Rabihah Md Sum
So that 20,000 is your civility, OK?
0:29:53.360 --> 0:29:56.180
Rabihah Md Sum
Is the mode of damage that you actually suffered.
0:29:57.90 --> 0:29:57.580
Rabihah Md Sum
OK.
0:29:57.630 --> 0:30:1.370
Rabihah Md Sum
But the greater disability, the higher will be, will be your risk.
0:30:1.470 --> 0:30:2.720
Rabihah Md Sum
So Catalan, you BIN jump.
0:30:2.730 --> 0:30:4.880
Rabihah Md Sum
Can you have five people?
0:30:4.960 --> 0:30:8.460
Rabihah Md Sum
OK, you have 5-5 people and yeah, you can jump.
0:30:8.530 --> 0:30:10.40
Rabihah Md Sum
And we guess what you, yeah.
0:30:10.430 --> 0:30:11.710
Rabihah Md Sum
Thus, ringy.
0:30:11.900 --> 0:30:12.210
Rabihah Md Sum
OK.
0:30:12.220 --> 0:30:16.820
Rabihah Md Sum
You restaurant to swing it, but they are.
0:30:17.830 --> 0:30:19.690
Rabihah Md Sum
Uh, what of your friend too?
0:30:20.720 --> 0:30:21.350
Rabihah Md Sum
Do you? Do you?
0:30:21.360 --> 0:30:22.830
Rabihah Md Sum
Have you buy a Doppler engage?
0:30:22.960 --> 0:30:32.460
Rabihah Md Sum
OK, after they come down another 82 that by a now the friend you byakugan flooring the Bendigo polo
and then another friend Mayela Pampulha.
0:30:32.570 --> 0:30:33.420
Rabihah Md Sum
OK, another friend.
0:30:33.430 --> 0:30:35.140
Rabihah Md Sum
Bias and so on.
0:30:35.210 --> 0:30:43.20
Rabihah Md Sum
So you would see the greater the the one that did not, young did not pay a laptop flooring gate.
0:30:43.30 --> 0:30:44.560
Rabihah Md Sum
Two is your money.
0:30:44.570 --> 0:30:45.910
Rabihah Md Sum
The greater the usability.
0:30:47.310 --> 0:30:47.620
Rabihah Md Sum
OK.
0:30:47.630 --> 0:30:50.320
Rabihah Md Sum
So the higher the risk, OK.
0:30:50.330 --> 0:30:58.780
Rabihah Md Sum
Maybe are the chances that the the your friend it will only pay doctoring date and then and balance to
the buyer.
0:30:59.70 --> 0:31:1.900
Rabihah Md Sum
So this is the your largest civility.
0:31:3.360 --> 0:31:3.730
Rabihah Md Sum
OK.
0:31:3.740 --> 0:31:6.170
Rabihah Md Sum
So the greater disability, the higher the risk.
0:31:6.180 --> 0:31:12.70
Rabihah Md Sum
So you, Paula, OK for this person the your you when you're resting and here.
0:31:12.80 --> 0:31:15.190
Rabihah Md Sum
OK, you are the last time I think, OK.
0:31:15.200 --> 0:31:24.870
Rabihah Md Sum
So by the amount of damage that you will likely the actual amount of damage is larger in comparison to
Kawan Yang BCDE that Ito.
0:31:25.730 --> 0:31:28.570
Rabihah Md Sum
OK, so, biller, biller.
0:31:28.580 --> 0:31:30.700
Rabihah Md Sum
We talk about risk, OK?
0:31:30.710 --> 0:31:32.460
Rabihah Md Sum
We talk about how much you are.
0:31:32.470 --> 0:31:38.750
Rabihah Md Sum
You are losing how much will be how how much your your amount of loss.
0:31:39.610 --> 0:31:40.200
Rabihah Md Sum
You cannot.
0:31:40.210 --> 0:31:52.450
Rabihah Md Sum
Enact the concept of Satu is rich exposure where you estimate the maximum amount of loss kebudayaan
in that there is a the maximum amount of loss.
0:31:52.460 --> 0:31:53.760
Rabihah Md Sum
Study there are the severity.
0:31:54.930 --> 0:31:57.690
Rabihah Md Sum
OK, there's severity is the actual amount.
0:31:58.250 --> 0:32:5.500
Rabihah Md Sum
So that these stratus ring it OK, that is your loss exposure, OK, that is your risk exposure.
0:32:5.510 --> 0:32:11.110
Rabihah Md Sum
Sorry, that is your loss exposure or your risk exposure 100 engate why?
0:32:11.120 --> 0:32:18.10
Rabihah Md Sum
Because you give hundred in gate to you land book and give you BIN jump can handle.
0:32:18.20 --> 0:32:20.880
Rabihah Md Sum
Ring it to your friend and you talk about what?
0:32:22.350 --> 0:32:27.0
Rabihah Md Sum
If the friend does not pay at all, that is the amount that you're going to lose.
0:32:27.10 --> 0:32:28.560
Rabihah Md Sum
So that is your risk exposure.
0:32:29.30 --> 0:32:34.500
Rabihah Md Sum
But in actuality, you know that your friend will pay tumor.
0:32:34.510 --> 0:32:40.120
Rabihah Md Sum
You don't know how much they're come pay Mukendi Baya exploring Gates.
0:32:42.20 --> 0:32:42.190
Rabihah Md Sum
Gates.
0:32:42.300 --> 0:33:29.260
Rabihah Md Sum
But your booking the development during this side there so that one so calorie Baya exploring it you he
longs Milan PULO and after that data bayada you lose 80 ring gate that 9082 your severity the actual
amount the actual amount that you are likely to to suffer and of course you have to estimate that you
couldn't estimate you must be able to estimate that civility because we don't know how much your
friend will pay now as I said last week yeah risk is all about in the future estimating what can happen in
the future so you.
0:33:29.320 --> 0:33:37.230
Rabihah Md Sum
Have to estimate so your pincham can call when you need 100 engage you gonna be able to estimate
how much I'm going to lose money from him.
0:33:38.690 --> 0:33:41.170
Rabihah Md Sum
OK, so nothing the arcade, but I, Jalil.
0:33:41.180 --> 0:33:48.200
Rabihah Md Sum
OK, in in the later chat, in the later topics, we learn how how do we estimate all these losses?
0:33:48.650 --> 0:34:7.630
Rabihah Md Sum
There I lost says maximum of losses and civility mechanical dinner estimate because we when we do the
estimation there is so many factors that we need to take into consideration before we can estimate the
severity of a particular losses.
0:34:9.170 --> 0:34:13.300
Rabihah Md Sum
OK, so so every tea is a partner to probability.
0:34:13.360 --> 0:34:15.80
Rabihah Md Sum
OK, nila factoria.
0:34:15.330 --> 0:34:15.840
Rabihah Md Sum
OK.
0:34:15.910 --> 0:34:32.560
Rabihah Md Sum
How do we estimate severity, you know, estimate severity, you can take what the probability so you
gonna tangle how, how, how likely an event is to happen, what is the probability that your friend is not
going to pay?
0:34:34.240 --> 0:34:36.90
Rabihah Md Sum
OK, so how do you see the BIN?
0:34:36.100 --> 0:34:37.360
Rabihah Md Sum
Your probability too.
0:34:37.640 --> 0:34:38.550
Rabihah Md Sum
OK, in may.
0:34:38.600 --> 0:34:40.750
Rabihah Md Sum
So imagine you added Atallah.
0:34:41.240 --> 0:34:41.760
Rabihah Md Sum
Bang.
0:34:42.240 --> 0:34:43.170
Rabihah Md Sum
OK, bang.
0:34:43.180 --> 0:34:45.610
Rabihah Md Sum
The other data, daddy.
0:34:45.620 --> 0:34:46.490
Rabihah Md Sum
Believe the other data.
0:34:46.740 --> 0:34:49.530
Rabihah Md Sum
Two diabolic calculate the probability of not paying.
0:34:51.170 --> 0:34:51.700
Rabihah Md Sum
OK.
0:34:51.830 --> 0:34:58.710
Rabihah Md Sum
So BIN Lady Tao, would the probability of not paying the bullet estimate the expected losses, they would
estimate their civility.
0:35:0.530 --> 0:35:2.990
Rabihah Md Sum
OK, so you can also do that.
0:35:3.0 --> 0:35:6.970
Rabihah Md Sum
Below you will jump can do it or below you, Peggy, Bill.
0:35:6.980 --> 0:35:7.890
Rabihah Md Sum
You are driving.
0:35:7.900 --> 0:35:9.860
Rabihah Md Sum
Yeah, catella, you are driving from here.
0:35:10.590 --> 0:35:16.220
Rabihah Md Sum
From you seem to quality and GANI or from you seem to Augusta.
0:35:17.400 --> 0:35:19.290
Rabihah Md Sum
OK, so this this thing is long.
0:35:19.300 --> 0:35:19.730
Rabihah Md Sum
OK.
0:35:19.880 --> 0:35:25.890
Rabihah Md Sum
And you will estimate OK, what could be a stability color you.
0:35:26.650 --> 0:35:29.520
Rabihah Md Sum
So first you can estimate what is your maximum losses.
0:35:30.900 --> 0:35:37.850
Rabihah Md Sum
OK, so catelli involved in collision and all that you estimate now how much is my maximum losses?
0:35:38.80 --> 0:35:40.830
Rabihah Md Sum
How much damage will be to your car?
0:35:41.20 --> 0:35:41.390
Rabihah Md Sum
OK.
0:35:41.400 --> 0:35:42.640
Rabihah Md Sum
How much they how much?
0:35:43.850 --> 0:35:46.760
Rabihah Md Sum
What could be your bodily injury?
0:35:46.770 --> 0:35:48.540
Rabihah Md Sum
Do you need hospitalization?
0:35:48.550 --> 0:35:55.240
Rabihah Md Sum
And so you estimate all the all those amount, yeah, you sum it up.
0:35:55.310 --> 0:35:59.270
Rabihah Md Sum
OK, Joomla can small that will be your maximum losses.
0:35:59.470 --> 0:36:4.260
Rabihah Md Sum
Biking greater career car repair and everything that would be a maximum losses.
0:36:4.270 --> 0:36:6.630
Rabihah Md Sum
But that is your risk exposure.
0:36:7.940 --> 0:36:9.570
Rabihah Md Sum
But what is your stability?
0:36:9.640 --> 0:36:10.970
Rabihah Md Sum
What is your actual losses?
0:36:10.980 --> 0:36:12.830
Rabihah Md Sum
So you want to know the actual losses?
0:36:12.900 --> 0:36:14.540
Rabihah Md Sum
You need to know your probability.
0:36:16.300 --> 0:36:20.320
Rabihah Md Sum
So Billy, you're think what probability you have to look at your driving data?
0:36:22.200 --> 0:36:23.690
Rabihah Md Sum
OK, you're driving data.
0:36:23.700 --> 0:36:25.740
Rabihah Md Sum
So you really think, OK colour you drive?
0:36:26.890 --> 0:36:28.610
Rabihah Md Sum
Hamid said 10 kilometers.
0:36:29.180 --> 0:36:30.550
Rabihah Md Sum
That's accident.
0:36:30.600 --> 0:36:36.630
Rabihah Md Sum
Have you ever suffered or have you ever in a experience accident?
0:36:36.640 --> 0:36:41.180
Rabihah Md Sum
So you gotta OK for every other three kilometers you Dr.
0:36:41.330 --> 0:36:44.170
Rabihah Md Sum
Catala you put your interpreter you bought 30 kilometers.
0:36:44.190 --> 0:36:46.20
Rabihah Md Sum
Do you talk when I see the so called song?
0:36:46.890 --> 0:36:47.280
Rabihah Md Sum
OK.
0:36:47.290 --> 0:36:51.630
Rabihah Md Sum
So Carlo, 60 kilometers, maybe Corso 100 kilometer answer key.
0:36:52.190 --> 0:36:55.900
Rabihah Md Sum
So from there you can calculate your probability of accident to occur.
0:36:56.50 --> 0:37:12.970
Rabihah Md Sum
So from there you can calculate you yes, severity you dear uh estimate severity, OK how do you say
estimate your update it when you're probability kindly denied your expected losses after you put your
maximum losses.
0:37:13.930 --> 0:37:20.800
Rabihah Md Sum
Although the same thing that you did in your statistic and probability classes, you're expected losses.
0:37:20.810 --> 0:37:22.960
Rabihah Md Sum
It too will be your civility color.
0:37:22.970 --> 0:37:23.810
Rabihah Md Sum
Gonna probability.
0:37:24.910 --> 0:37:26.130
Rabihah Md Sum
OK, I said.
0:37:26.140 --> 0:37:31.150
Rabihah Md Sum
That's that's why it's very important to understand the concept of probability that there is management.
0:37:32.620 --> 0:37:34.810
Rabihah Md Sum
Then what about the other one?
0:37:34.820 --> 0:37:39.250
Rabihah Md Sum
Is severity is the function of a of volatility.
0:37:39.380 --> 0:37:41.320
Rabihah Md Sum
So how do you measure volatility?
0:37:41.330 --> 0:37:47.230
Rabihah Md Sum
We gonna Barry, and we use standard deviation. No.
0:37:47.320 --> 0:37:51.690
Rabihah Md Sum
So Daddy exposure $100 hundred ringgit.
0:37:51.840 --> 0:38:1.520
Rabihah Md Sum
There is your risk exposure, but we know that is just risk exposure is not, the civility is not the actual OK.
0:38:1.530 --> 0:38:2.570
Rabihah Md Sum
They actually lost.
0:38:2.730 --> 0:38:3.730
Rabihah Md Sum
So you will take more.
0:38:4.950 --> 0:38:7.600
Rabihah Md Sum
What is the variance of your friend?
0:38:7.610 --> 0:38:9.480
Rabihah Md Sum
Punya uh.
0:38:9.490 --> 0:38:11.570
Rabihah Md Sum
Pain payment style.
0:38:12.850 --> 0:38:23.360
Rabihah Md Sum
OK, so as I said just now call you talk chocolate, they put your various, you would calculate the when you
standard deviation then you can get you bullet towel.
0:38:23.370 --> 0:38:24.890
Rabihah Md Sum
What is your severity?
0:38:24.900 --> 0:38:29.490
Rabihah Md Sum
You can calculate your severity from that 100 Wingate Daddy.
0:38:30.180 --> 0:38:31.110
Rabihah Md Sum
Then you download.
0:38:31.120 --> 0:38:45.70
Rabihah Md Sum
OK, this will be my actual losses that I'll I will be suffer, OK through my risk exposure is handling it, but
my severity could be 90 depends on the variance.
0:38:45.80 --> 0:38:49.170
Rabihah Md Sum
So the lighter your friends when you're variance believe I live in your barriers too.
0:38:49.460 --> 0:39:1.240
Rabihah Md Sum
The lighter it will will be the lighter will be your severity, so your friend could give you a severity of
Singapore engage or maybe color various every small or standard deviation.
0:39:1.250 --> 0:39:2.720
Rabihah Md Sum
They're very, very, very low.
0:39:2.890 --> 0:39:3.280
Rabihah Md Sum
OK.
0:39:3.290 --> 0:39:4.910
Rabihah Md Sum
It maybe it's just that bring it.
0:39:5.750 --> 0:39:12.750
Rabihah Md Sum
OK, the the last adding get our which I did it did you OK, I thought there are still the United.
0:39:13.430 --> 0:39:16.320
Rabihah Md Sum
Complete, but it just a bucket of telling it.
0:39:16.380 --> 0:39:18.960
Rabihah Md Sum
So everybody, everybody can be forgetful can.
0:39:19.10 --> 0:39:27.750
Rabihah Md Sum
So if the if the standard division is very very very small, very, very low, maybe your severity is just 10
ringgit.
0:39:28.750 --> 0:39:31.860
Rabihah Md Sum
It's like with the two is offered is a function.
0:39:31.870 --> 0:39:33.520
Rabihah Md Sum
Yeah, of volatility.
0:39:33.590 --> 0:39:38.500
Rabihah Md Sum
So we can calculate a severity provided data.
0:39:39.50 --> 0:39:53.30
Rabihah Md Sum
The quantitative data then we can use it to we can use the various and standby to calculate civility or we
can use use it into calculate severity using probability.
0:39:54.150 --> 0:39:54.580
Rabihah Md Sum
OK.
0:39:54.670 --> 0:39:57.480
Rabihah Md Sum
So that's ability now neither one.
0:39:57.490 --> 0:39:58.680
Rabihah Md Sum
I'd like impact.
0:39:59.10 --> 0:39:59.820
Rabihah Md Sum
OK.
0:39:59.970 --> 0:40:1.610
Rabihah Md Sum
So impact OK dear.
0:40:4.30 --> 0:40:10.600
Rabihah Md Sum
Umm, when we when we want to measure risk exposure, we want to measure.
0:40:10.680 --> 0:40:10.770
Rabihah Md Sum
The.
0:40:12.600 --> 0:40:22.950
Rabihah Md Sum
Severity, probability, likelihood and when we want to measure impact, he took an imagine that the risk
that we have listed.
0:40:23.930 --> 0:40:25.290
Rabihah Md Sum
Uh really occurs.
0:40:26.610 --> 0:40:41.390
Rabihah Md Sum
OK, you have to be able to imagine if that really occurs because the problem with risk as I as I said a lot
of time is that it has yet to occur datablock colegi.
0:40:42.660 --> 0:40:43.510
Rabihah Md Sum
OK, daddy.
0:40:43.560 --> 0:40:46.110
Rabihah Md Sum
And in fact, maybe it will not occur.
0:40:46.120 --> 0:40:46.960
Rabihah Md Sum
Point in the future.
0:40:48.630 --> 0:40:55.570
Rabihah Md Sum
But you need to estimate it's a exposure risk.
0:40:55.720 --> 0:40:58.10
Rabihah Md Sum
You need to estimate its probability.
0:40:59.660 --> 0:41:2.890
Rabihah Md Sum
You need to estimate its likelihood, and then you need.
0:41:2.940 --> 0:41:6.230
Rabihah Md Sum
Sorry, you need the estimate is you are talking about impact.
0:41:6.380 --> 0:41:11.510
Rabihah Md Sum
So we need to estimate its resets posure you need to estimate its severity.
0:41:13.560 --> 0:41:17.860
Rabihah Md Sum
Now Sakara will cancel it a Satellaview belaku.
0:41:19.50 --> 0:41:21.880
Rabihah Md Sum
OK, So what we're what we're.
0:41:21.890 --> 0:41:24.940
Rabihah Md Sum
I'm talking now I'm talking about.
0:41:24.950 --> 0:41:28.70
Rabihah Md Sum
Is that all this, that, that we are learning here.
0:41:28.80 --> 0:41:36.670
Rabihah Md Sum
The concept is all the things that you have to do now, not after the risk occur.
0:41:38.600 --> 0:41:43.310
Rabihah Md Sum
Kalau estimate you don't go somebody risk into Berlaku Baru.
0:41:43.340 --> 0:41:45.290
Rabihah Md Sum
United teammate the losses.
0:41:45.300 --> 0:41:48.470
Rabihah Md Sum
Then you book and what risk you bought accounting.
0:41:50.500 --> 0:41:58.690
Rabihah Md Sum
OK, accounting is all about recording after a an event has occurred.
0:41:59.770 --> 0:42:10.160
Rabihah Md Sum
For example, we talk about sales, so accounting the AKMAR record sales Lapaz Yang Berlaku how much is
sales you are making?
0:42:11.620 --> 0:42:12.730
Rabihah Md Sum
We are not accounting.
0:42:12.740 --> 0:42:13.830
Rabihah Md Sum
Yeah, we are risk.
0:42:13.840 --> 0:42:16.780
Rabihah Md Sum
So risk, we don't have that record.
0:42:17.200 --> 0:42:20.300
Rabihah Md Sum
We need you need to estimate your sales in the future.
0:42:21.230 --> 0:42:23.580
Rabihah Md Sum
How big is your sales in the future?
0:42:23.730 --> 0:42:25.470
Rabihah Md Sum
How much volume can you sell?
0:42:26.680 --> 0:42:29.540
Rabihah Md Sum
OK, so that is what risk is all about.
0:42:30.780 --> 0:42:39.800
Rabihah Md Sum
So when you identify a particular event as risk, for example, you said that, OK, the petrol prices will
increase.
0:42:40.550 --> 0:42:43.250
Rabihah Md Sum
Uh, in the in June?
0:42:45.580 --> 0:42:48.160
Rabihah Md Sum
OK, so you need to be able to.
0:42:49.540 --> 0:42:53.410
Rabihah Md Sum
Uh estimate it's risk exposure.
0:42:53.660 --> 0:42:55.880
Rabihah Md Sum
How big is your risk exposure to you?
0:42:57.590 --> 0:43:1.630
Rabihah Md Sum
What could be your severity and what could be your impact as well?
0:43:2.760 --> 0:43:6.640
Rabihah Md Sum
OK, alright, Daddy, you don't want to go some pie.
0:43:8.540 --> 0:43:12.310
Rabihah Md Sum
But but but the belaku harga Petro Nai?
0:43:12.580 --> 0:43:14.370
Rabihah Md Sum
What tukula Baru in Akira?
0:43:14.380 --> 0:43:27.220
Rabihah Md Sum
You put your wrist exposure severity and impact Saleh concept usala bidang OK so, but you can put your
accounts when you're feel accounting.
0:43:27.230 --> 0:43:31.50
Rabihah Md Sum
Yeah, but account nine book can do and sexually authorize management.
0:43:32.640 --> 0:43:33.330
Rabihah Md Sum
OK.
0:43:33.420 --> 0:43:36.490
Rabihah Md Sum
So we risk management people.
0:43:36.560 --> 0:43:41.320
Rabihah Md Sum
We estimate now Miss Cara with young lady girl so Catala.
0:43:43.90 --> 0:43:49.760
Rabihah Md Sum
Keep the aspect, keep the what that petrol prices are can increase bullet now.
0:43:51.670 --> 0:43:54.960
Rabihah Md Sum
So you need to calculate you on your research closures, the Cara.
0:43:56.600 --> 0:44:0.430
Rabihah Md Sum
OK, you can need to calculate how much you put your petrol.
0:44:0.440 --> 0:44:5.520
Rabihah Md Sum
Expenses will increase now from now and then.
0:44:5.530 --> 0:44:7.780
Rabihah Md Sum
You also need to calculate your severity.
0:44:7.910 --> 0:44:9.940
Rabihah Md Sum
The actual amount that you will lost.
0:44:10.890 --> 0:44:11.210
Rabihah Md Sum
OK.
0:44:11.220 --> 0:44:17.830
Rabihah Md Sum
So Bob, actual amount of money like, yeah, you can spend caravan to patrol in two little mount of your
losses.
0:44:18.950 --> 0:44:19.560
Rabihah Md Sum
OK.
0:44:19.750 --> 0:44:20.540
Rabihah Md Sum
That it too.
0:44:20.550 --> 0:44:21.130
Rabihah Md Sum
You can, yeah.
0:44:21.210 --> 0:44:27.240
Rabihah Md Sum
Risk exposure to EUR severity and you have to calculate it now.
0:44:27.250 --> 0:44:27.960
Rabihah Md Sum
Sagara.
0:44:28.510 --> 0:44:28.840
Rabihah Md Sum
OK.
0:44:28.850 --> 0:44:30.840
Rabihah Md Sum
But we can do some fibular Nam.
0:44:31.410 --> 0:44:33.840
Rabihah Md Sum
But you alright?
0:44:33.890 --> 0:44:37.640
Rabihah Md Sum
So now keep the muscle like you concept impact some of you guys.
0:44:37.650 --> 0:44:41.440
Rabihah Md Sum
So impact is what will happen if the risk really occur.
0:44:41.990 --> 0:44:43.620
Rabihah Md Sum
So develop impact.
0:44:43.670 --> 0:44:46.200
Rabihah Md Sum
OK, you can attain everything.
0:44:46.510 --> 0:44:50.760
Rabihah Md Sum
OK, so here in the impact below, you cut the layer you Dr.
0:44:50.770 --> 0:44:51.340
Rabihah Md Sum
Study.
0:44:51.490 --> 0:44:55.760
Rabihah Md Sum
So you are the risk that you may involve in car accident or collision.
0:44:56.270 --> 0:45:0.120
Rabihah Md Sum
OK, Pelanggaran, what would be the impact?
0:45:1.90 --> 0:45:5.410
Rabihah Md Sum
OK, so be lucky the impact you have to look from every angle.
0:45:6.450 --> 0:45:9.420
Rabihah Md Sum
Furthermore, the impact ADILAH fatality death.
0:45:11.50 --> 0:45:15.780
Rabihah Md Sum
You can also experience serious injury or you can experience like injury.
0:45:17.180 --> 0:45:19.920
Rabihah Md Sum
So impact me dear.
0:45:20.130 --> 0:45:24.600
Rabihah Md Sum
The concept is that you have to look from every angle.
0:45:24.950 --> 0:45:26.940
Rabihah Md Sum
You have to think broadly.
0:45:28.710 --> 0:45:31.420
Rabihah Md Sum
OK, you ohh OK.
0:45:31.570 --> 0:45:32.400
Rabihah Md Sum
I see then.
0:45:32.410 --> 0:45:35.280
Rabihah Md Sum
OK so I have to send my car for repair.
0:45:36.80 --> 0:45:36.730
Rabihah Md Sum
Umm.
0:45:37.80 --> 0:45:37.970
Rabihah Md Sum
I'm nothing.
0:45:37.980 --> 0:45:39.370
Rabihah Md Sum
What happened to me?
0:45:39.460 --> 0:45:40.550
Rabihah Md Sum
It too sad to part.
0:45:40.560 --> 0:45:40.850
Rabihah Md Sum
Yeah.
0:45:40.860 --> 0:45:41.140
Rabihah Md Sum
OK.
0:45:41.150 --> 0:45:42.520
Rabihah Md Sum
That's what part of impact.
0:45:43.570 --> 0:45:58.380
Rabihah Md Sum
But when we are talking about something that can or cannot happen in the future, something that has
not yet occur so but the yet you have to estimate, you have to determine auto calculate the impact
Sakara or you have to.
0:46:0.230 --> 0:46:1.870
Rabihah Md Sum
Judge the impact though.
0:46:1.880 --> 0:46:5.60
Rabihah Md Sum
You have to decide what could be the impact now.
0:46:5.130 --> 0:46:13.150
Rabihah Md Sum
Then you have to be, umm, very critical, very critical on the estimation.
0:46:13.260 --> 0:46:16.710
Rabihah Md Sum
My 9 year you can it cannot be just one option.
0:46:17.160 --> 0:46:20.650
Rabihah Md Sum
OK, it cannot be just one straight line option.
0:46:21.240 --> 0:46:23.170
Rabihah Md Sum
OK, that window.
0:46:23.720 --> 0:46:29.790
Rabihah Md Sum
OK, you can think broadly you have to think critically gonna figure, OK, what if?
0:46:31.970 --> 0:46:37.120
Rabihah Md Sum
Uh, let's go to the extreme first extreme situation.
0:46:37.130 --> 0:46:39.930
Rabihah Md Sum
Adela death to the driver.
0:46:41.100 --> 0:46:45.910
Rabihah Md Sum
And then your car is, uh, thought tally.
0:46:47.10 --> 0:46:48.40
Rabihah Md Sum
Uh. Broken.
0:46:48.50 --> 0:46:52.0
Rabihah Md Sum
OK, dear, damage is a total damage to the car.
0:46:53.430 --> 0:46:55.700
Rabihah Md Sum
So how much will be your impact?
0:46:55.760 --> 0:46:56.960
Rabihah Md Sum
What is the impact?
0:46:57.30 --> 0:46:57.400
Rabihah Md Sum
OK.
0:46:57.410 --> 0:47:1.310
Rabihah Md Sum
How much will be the civility Butler Eugenia.
0:47:1.320 --> 0:47:1.940
Rabihah Md Sum
Civility.
0:47:2.590 --> 0:47:4.0
Rabihah Md Sum
I thought you start the night.
0:47:4.10 --> 0:47:4.960
Rabihah Md Sum
You already exposure.
0:47:4.970 --> 0:47:9.430
Rabihah Md Sum
How much will be the loss and then you calculate your severity.
0:47:11.230 --> 0:47:11.620
Rabihah Md Sum
OK.
0:47:11.630 --> 0:47:15.60
Rabihah Md Sum
The next one and the like in the middle Catella medium injury.
0:47:16.580 --> 0:47:18.810
Rabihah Md Sum
OK, at a serious injury.
0:47:19.690 --> 0:47:20.520
Rabihah Md Sum
OK. Tappy.
0:47:20.530 --> 0:47:23.80
Rabihah Md Sum
No death Tappy serious bodily injury.
0:47:23.90 --> 0:47:24.270
Rabihah Md Sum
You're gonna hospitalize.
0:47:25.560 --> 0:47:26.780
Rabihah Md Sum
Call back.
0:47:26.790 --> 0:47:28.150
Rabihah Md Sum
Totally damage that.
0:47:28.160 --> 0:47:29.300
Rabihah Md Sum
Be serious damage.
0:47:30.280 --> 0:47:33.790
Rabihah Md Sum
So what is your losses and what is your research posure?
0:47:33.800 --> 0:47:36.60
Rabihah Md Sum
How big is it and what is your civility?
0:47:37.200 --> 0:47:37.910
Rabihah Md Sum
OK.
0:47:37.980 --> 0:47:40.570
Rabihah Md Sum
The other extreme lie injury.
0:47:40.730 --> 0:47:41.540
Rabihah Md Sum
Small injury.
0:47:42.790 --> 0:47:45.440
Rabihah Md Sum
Uh, small damage to the car.
0:47:45.950 --> 0:47:47.180
Rabihah Md Sum
OK, then how much?
0:47:47.190 --> 0:47:48.370
Rabihah Md Sum
How big is your research?
0:47:48.380 --> 0:47:54.940
Rabihah Md Sum
Posure, but how much is your losses index situation and what is your security in that situation?
0:47:55.70 --> 0:47:56.470
Rabihah Md Sum
So this is impact.
0:47:57.560 --> 0:48:3.890
Rabihah Md Sum
OK, this is how we are estimate impact is not one way St OK.
0:48:3.900 --> 0:48:4.550
Rabihah Md Sum
It's not.
0:48:4.560 --> 0:48:7.30
Rabihah Md Sum
Just think straight.
0:48:7.40 --> 0:48:17.680
Rabihah Md Sum
Yeah, you cannot think more you can connecting broadly of the impact that can happen to you if the risk
really occurs.
0:48:19.70 --> 0:48:24.960
Rabihah Md Sum
So you are can either a few uh you are can either stages of impact.
0:48:25.790 --> 0:48:27.140
Rabihah Md Sum
OK, I did stasha.
0:48:27.270 --> 0:48:28.180
Rabihah Md Sum
I, stacia.
0:48:28.530 --> 0:48:33.910
Rabihah Md Sum
Fatality at the extreme impact medium impact and small impact.
0:48:35.150 --> 0:48:35.450
Rabihah Md Sum
OK.
0:48:35.460 --> 0:48:38.420
Rabihah Md Sum
It's about when we are talking about in the future.
0:48:38.530 --> 0:48:54.760
Rabihah Md Sum
You need to have a full picture so to have a full picture you must be able to put it into extreme condition,
medium condition and uh minor situation.
0:48:54.850 --> 0:48:55.980
Rabihah Md Sum
Minor condition.
0:48:56.470 --> 0:49:6.970
Rabihah Md Sum
So you can know be care from each approach from from every direction you double PKS 3 inside you you
WPK.
0:49:7.640 --> 0:49:8.210
Rabihah Md Sum
Uh.
0:49:8.220 --> 0:49:12.660
Rabihah Md Sum
Small a small accident, insider.
0:49:12.950 --> 0:49:13.460
Rabihah Md Sum
OK.
0:49:13.470 --> 0:49:13.740
Rabihah Md Sum
Or.
0:49:13.790 --> 0:49:15.570
Rabihah Md Sum
Or you WK medium.
0:49:16.440 --> 0:49:26.780
Rabihah Md Sum
OK, so you have to think broadly and from every angle, when we talk about in impact and when we talk
about risk impact.
0:49:29.210 --> 0:49:29.890
Rabihah Md Sum
OK.
0:49:29.950 --> 0:49:32.980
Rabihah Md Sum
Uh, the next concept is time horizon.
0:49:33.50 --> 0:49:37.50
Rabihah Md Sum
OK, when we want to estimate the.
0:49:38.720 --> 0:49:42.890
Rabihah Md Sum
Probability estimate the likelihood.
0:49:42.940 --> 0:49:46.850
Rabihah Md Sum
OK, determine or estimate the risk exposure.
0:49:47.350 --> 0:49:52.960
Rabihah Md Sum
OK, we need to know the time horizon of that particular risk.
0:49:54.860 --> 0:49:57.440
Rabihah Md Sum
OK, for example, send now eating loan.
0:49:59.340 --> 0:50:2.910
Rabihah Md Sum
OK, Villa, you pinjam can do it when you OK.
0:50:3.340 --> 0:50:12.130
Rabihah Md Sum
The longer the longer the duration for of payment that you give to your friend, the higher is the risk.
0:50:13.780 --> 0:50:18.640
Rabihah Md Sum
OK, sebab the tendence there is a tendency to forgot.
0:50:19.70 --> 0:50:19.350
Rabihah Md Sum
OK.
0:50:20.460 --> 0:50:22.80
Rabihah Md Sum
Uh, the tendency that.
0:50:24.140 --> 0:50:26.260
Rabihah Md Sum
He or she will go somewhere.
0:50:26.710 --> 0:50:28.740
Rabihah Md Sum
OK, then you you put your dog.
0:50:29.520 --> 0:50:34.530
Rabihah Md Sum
OK, the tendency of not not communicating not in contact.
0:50:34.930 --> 0:50:38.270
Rabihah Md Sum
So those will increase your risk exposure.
0:50:39.600 --> 0:50:42.830
Rabihah Md Sum
OK, Jerry, Time Horizon is very important.
0:50:42.840 --> 0:50:44.410
Rabihah Md Sum
So below we talk about risk.
0:50:44.620 --> 0:50:47.250
Rabihah Md Sum
You must see.
0:50:47.300 --> 0:50:48.490
Rabihah Md Sum
You must decide.
0:50:48.580 --> 0:51:8.410
Rabihah Md Sum
OK, I am doing risk management for one year from now or from this much until end of June or this is a
three years estimation or is this a 20 years estimation.
0:51:9.370 --> 0:51:20.600
Rabihah Md Sum
OK, Jerry, Time horizon is important until Orange's management, when you want to practice the practice,
risk management, time horizon is important.
0:51:20.750 --> 0:51:25.680
Rabihah Md Sum
That's why it added short term, medium, medium term and long term risk.
0:51:25.750 --> 0:51:28.790
Rabihah Md Sum
So Bob, different risk will have.
0:51:30.80 --> 0:51:36.80
Rabihah Md Sum
Different measure, different level of riskiness depending on time.
0:51:37.820 --> 0:51:42.10
Rabihah Md Sum
OK, for example, my time environmental risk.
0:51:42.480 --> 0:51:56.610
Rabihah Md Sum
Uh, in terms of short term, dear, I don't risk is not high, but environmental risk in terms of the level of
Risk, it's very high in the long term.
0:51:58.430 --> 0:51:59.470
Rabihah Md Sum
OK so.
0:52:0.830 --> 0:52:1.460
Rabihah Md Sum
Risk.
0:52:1.680 --> 0:52:2.230
Rabihah Md Sum
Uh.
0:52:2.240 --> 0:52:13.430
Rabihah Md Sum
Whether the particular risk the level 2 thingy, current Docker or local or medium car, it's a depend on
time depends on time horizon.
0:52:15.10 --> 0:52:20.390
Rabihah Md Sum
OK, so the some risk will get will become very risky.
0:52:21.910 --> 0:52:42.160
Rabihah Md Sum
The longer the duration because the exposure, the duration because of the duration of exposure to
lumber, OK longer my jam you're driving that, Della, the longer that you drive, the higher will be your risk
of a collision like glamour, you momentum like you think.
0:52:42.480 --> 0:52:55.310
Rabihah Md Sum
Yeah, you when you receive call off collision or accident or as the short the short, the distance, the lower
will be your exposure to car accident, OK.
0:52:56.180 --> 0:52:56.860
Rabihah Md Sum
So would you got?
0:52:58.950 --> 0:53:0.250
Rabihah Md Sum
Uh studying.
0:53:0.260 --> 0:53:1.530
Rabihah Md Sum
Yeah, look at the blind judo.
0:53:3.300 --> 0:53:17.800
Rabihah Md Sum
Junto the longer uh, for example, color research student student the longer they are in the study, OK, the
the the higher chances that they are going to quit.
0:53:18.390 --> 0:53:19.500
Rabihah Md Sum
Like I can bring tea.
0:53:19.970 --> 0:53:31.10
Rabihah Md Sum
OK, I will ask the shorter they are in the study they they will the chances of quitting you know are can be
the risk of quitting to become lower.
0:53:32.240 --> 0:53:32.650
Rabihah Md Sum
OK.
0:53:32.660 --> 0:53:35.410
Rabihah Md Sum
Uh, Judy, that's important.
0:53:35.420 --> 0:53:40.410
Rabihah Md Sum
The work time horizons about the the concept of time horizon is very important.
0:53:40.420 --> 0:53:46.870
Rabihah Md Sum
Is there is management so, but you doubly summer and some more on the risk it to summer.
0:53:47.840 --> 0:53:50.360
Rabihah Md Sum
OK, it depends on the time.
0:53:51.740 --> 0:53:55.580
Rabihah Md Sum
Again, yes, I would you driving that can you double check the?
0:53:55.590 --> 0:53:57.200
Rabihah Md Sum
OK, I'm driving.
0:53:58.960 --> 0:53:59.550
Rabihah Md Sum
OK.
0:53:59.560 --> 0:54:7.140
Rabihah Md Sum
That so the risk is of course like the one of the common race of driving Adela accident.
0:54:7.230 --> 0:54:15.310
Rabihah Md Sum
OK, at the collision pelanggaran OK at Bucky's like it just collision right now OK you.
0:54:17.120 --> 0:54:20.290
Rabihah Md Sum
So, umm, you cannot say that.
0:54:20.300 --> 0:54:23.820
Rabihah Md Sum
OK, I have a a high risk high.
0:54:23.860 --> 0:54:26.700
Rabihah Md Sum
I have a medium at a very low risk of collision.
0:54:28.330 --> 0:54:31.980
Rabihah Md Sum
Ah, that's a the concept is wrong there.
0:54:32.490 --> 0:54:35.310
Rabihah Md Sum
So, but you're gonna think what you gonna time horizon there?
0:54:36.100 --> 0:54:39.70
Rabihah Md Sum
You cannot simply say ohh I'm a very good driver.
0:54:39.80 --> 0:54:40.420
Rabihah Md Sum
I have a very low risk.
0:54:41.380 --> 0:54:41.650
Rabihah Md Sum
Uh.
0:54:41.900 --> 0:54:45.100
Rabihah Md Sum
Low accident, low risk for for car accident.
0:54:46.270 --> 0:54:51.700
Rabihah Md Sum
Uh, that that concept Maya is when you say that stand statement is incorrect capital.
0:54:52.210 --> 0:54:52.510
Rabihah Md Sum
OK.
0:54:52.520 --> 0:54:59.660
Rabihah Md Sum
It's about we need to know in order to to see you when your exposure or an estimate.
0:55:0.550 --> 0:55:2.590
Rabihah Md Sum
Uh, your impact?
0:55:2.600 --> 0:55:3.840
Rabihah Md Sum
OK, you cannot.
0:55:4.30 --> 0:55:6.180
Rabihah Md Sum
You had your time horizon.
0:55:7.780 --> 0:55:10.130
Rabihah Md Sum
How many hours you're driving?
0:55:11.450 --> 0:55:22.960
Rabihah Md Sum
OK, so let's say from from uh seem to quality, the hours is longer of course from compared to USIM 2
shalam.
0:55:23.780 --> 0:55:29.400
Rabihah Md Sum
OK, so you cannot simply.
0:55:29.410 --> 0:55:37.140
Rabihah Md Sum
You cannot simplify the concept of uh, your risk of driving to OK or sorry.
0:55:37.150 --> 0:55:47.830
Rabihah Md Sum
Your risk of a car accident to doubly simplify by saying that, OK, I have a I I am exposed to a very low uh
car accident.
0:55:47.880 --> 0:55:51.890
Rabihah Md Sum
OK, my wrist of cars as car accident is low because I am a good driver.
0:55:53.360 --> 0:55:56.480
Rabihah Md Sum
OK Ohgi have been driving driving for five years.
0:55:58.200 --> 0:55:59.430
Rabihah Md Sum
Not really.
0:55:59.440 --> 0:56:0.130
Rabihah Md Sum
You. You.
0:56:0.140 --> 0:56:5.310
Rabihah Md Sum
I decided to like the concept and you have to take into consideration which is your opinion time horizon.
0:56:6.0 --> 0:56:13.600
Rabihah Md Sum
OK, because the longer is a driving time, the higher will be your exposure to car accident.
0:56:15.400 --> 0:56:15.750
Rabihah Md Sum
Take two.
0:56:16.160 --> 0:56:17.120
Rabihah Md Sum
OK, I said.
0:56:17.130 --> 0:56:18.410
Rabihah Md Sum
Time Morrison is very good.
0:56:18.420 --> 0:56:19.570
Rabihah Md Sum
How would you you.
0:56:19.620 --> 0:56:24.520
Rabihah Md Sum
You you've been you've been, you can.
0:56:24.590 --> 0:56:25.460
Rabihah Md Sum
So you got that.
0:56:25.520 --> 0:56:29.0
Rabihah Md Sum
OK, my friend name very good payer.
0:56:29.10 --> 0:56:33.570
Rabihah Md Sum
They're kind of money target up with their community by Yahoo down there, but you have to check.
0:56:35.20 --> 0:56:38.960
Rabihah Md Sum
How long does this year you you are going back up?
0:56:39.70 --> 0:56:40.460
Rabihah Md Sum
Yeah, wrapper.
0:56:40.470 --> 0:56:43.960
Rabihah Md Sum
How long is it duration that you allow him to borrow?
0:56:44.70 --> 0:56:48.920
Rabihah Md Sum
Frontonia you might give in Germany and then you got the eight RP by scan scan.
0:56:48.930 --> 0:56:52.680
Rabihah Md Sum
OK, by Bulan Depan, you have to pay us about.
0:56:52.690 --> 0:56:53.190
Rabihah Md Sum
I need money.
0:56:54.170 --> 0:56:55.420
Rabihah Md Sum
Uh, so you can like tango.
0:56:55.430 --> 0:56:59.940
Rabihah Md Sum
You got the OHS usually in you, my mom, baggy duration, they got gears are to Bulan.
0:57:0.380 --> 0:57:9.640
Rabihah Md Sum
So Carlos at the Bulan 2, I mean market up now, Manila, OK default, he will always be can also.
0:57:11.410 --> 0:57:14.280
Rabihah Md Sum
You just Judy, you can remember.
0:57:14.350 --> 0:57:29.840
Rabihah Md Sum
OK, there is your uh, your your one month two month time horizon that is that as opposed to you to a
very, very low risk of not payment of non payment by your friend.
0:57:29.990 --> 0:57:37.290
Rabihah Md Sum
So jangala you increase you put your duration, OK, so you shouldn't, you should not.
0:57:37.300 --> 0:57:37.560
Rabihah Md Sum
Yes.
0:57:37.570 --> 0:57:46.230
Rabihah Md Sum
So to make sure that your exposure of Risk too is a lower OK, don't increase your duration.
0:57:46.280 --> 0:57:46.930
Rabihah Md Sum
Jenna kator.
0:57:46.940 --> 0:57:47.130
Rabihah Md Sum
OK.
0:57:47.140 --> 0:57:50.110
Rabihah Md Sum
Talk, not end of semester contact.
0:57:50.480 --> 0:57:52.10
Rabihah Md Sum
OK, don't.
0:57:52.60 --> 0:57:55.550
Rabihah Md Sum
OK, don't do that because you never know.
0:57:55.560 --> 0:57:55.870
Rabihah Md Sum
Yeah.
0:57:55.880 --> 0:58:7.170
Rabihah Md Sum
Because maybe by giving the longer duration, suddenly you increase your exposure, you you increase
your your exposure, your exposure become higher.
0:58:7.580 --> 0:58:11.50
Rabihah Md Sum
OK, the chances of your friends not paying Judy Higher.
0:58:11.300 --> 0:58:11.730
Rabihah Md Sum
Why?
0:58:11.740 --> 0:58:13.730
Rabihah Md Sum
Because you increase the time horizon.
0:58:14.780 --> 0:58:15.190
Rabihah Md Sum
Yeah.
0:58:15.200 --> 0:58:26.740
Rabihah Md Sum
So time horizon is a Chris is a concept that you need to understand and take into consideration when you
want to estimate your risk exposure or topone.
0:58:26.870 --> 0:58:31.10
Rabihah Md Sum
If yeah, it's it relates to exposure to risk, OK.
0:58:32.710 --> 0:58:33.880
Rabihah Md Sum
Now correlation.
0:58:34.250 --> 0:58:38.210
Rabihah Md Sum
OK, no risk occur by its own.
0:58:39.480 --> 0:58:43.410
Rabihah Md Sum
OK, but your reason, maybe a senior they are can correlate, OK.
0:58:43.420 --> 0:58:45.90
Rabihah Md Sum
So the greater the correlation.
0:58:45.440 --> 0:58:57.660
Rabihah Md Sum
So correlation, yeah, we can calculate correlation using the same statistical for formula and you can
record correlation summer, OK.
0:58:57.710 --> 0:59:1.660
Rabihah Md Sum
So, uh, the greater the correlation.
0:59:1.870 --> 0:59:2.300
Rabihah Md Sum
OK.
0:59:2.310 --> 0:59:5.900
Rabihah Md Sum
The higher the risk positively correlated to Viola.
0:59:6.470 --> 0:59:22.630
Rabihah Md Sum
OK, so the negative was it if I if you have a risk that is positively correlated, then the risk is a higher the
risk is bigger for you, there's posure is bigger.
0:59:24.490 --> 0:59:24.800
Rabihah Md Sum
OK.
0:59:24.810 --> 0:59:30.270
Rabihah Md Sum
So did we use the same a correlation formula that we use in statistic?
0:59:31.600 --> 0:59:32.110
Rabihah Md Sum
OK.
0:59:32.150 --> 0:59:47.760
Rabihah Md Sum
So when we and when we want to talk about risk, we need to see with what risk that the reason that we
are we are talking about now correlates judge though the price of petrol.
0:59:50.650 --> 0:59:52.600
Rabihah Md Sum
So the price correlates to what?
0:59:53.980 --> 0:59:57.260
Rabihah Md Sum
Politician announcement OK.
0:59:57.270 --> 1:0:0.80
Rabihah Md Sum
Does it relates to that OK or is it?
1:0:0.90 --> 1:0:2.680
Rabihah Md Sum
Does it relate to the GDP?
1:0:2.870 --> 1:0:9.30
Rabihah Md Sum
So you need to know what are the factors that correlates to this particular risk.
1:0:9.910 --> 1:0:12.770
Rabihah Md Sum
Some would you got the your accident risk.
1:0:14.130 --> 1:0:18.220
Rabihah Md Sum
OK, what factors influence your accident risk?
1:0:18.680 --> 1:0:37.670
Rabihah Md Sum
We know that the longer the your time, the longer you're driving time, it will increase your export risk
exposure to accident, but the accident itself into OK what factors contribute to accident, for example you
munto, OK, that contributes to watch.
1:0:37.810 --> 1:0:38.440
Rabihah Md Sum
Go ahead to watch it.
1:0:38.830 --> 1:0:45.760
Rabihah Md Sum
My Niza though, with Janet, that's the lamp that contributes also to your that correlates.
1:0:45.770 --> 1:0:48.660
Rabihah Md Sum
The other contributes towards the risk of accident.
1:0:50.700 --> 1:1:1.230
Rabihah Md Sum
OK, so the concept of Risk in the is not just about knowing a particular risk knowing identify the risk.
1:1:1.240 --> 1:1:6.980
Rabihah Md Sum
For example, risk of accident, car accident, risk of petrol price will increase.
1:1:7.120 --> 1:1:12.230
Rabihah Md Sum
Not just that, but you need to know or as well what factors contribute.
1:1:12.240 --> 1:1:16.580
Rabihah Md Sum
What factors correlates or two that particular risk?
1:1:17.600 --> 1:1:17.930
Rabihah Md Sum
OK.
1:1:17.940 --> 1:1:23.600
Rabihah Md Sum
So the greater the correlation, if it's positively correlated, then the higher the risk.
1:1:23.610 --> 1:1:32.490
Rabihah Md Sum
For example, sleepy while driving that is positively correlated to accident.
1:1:32.500 --> 1:1:34.640
Rabihah Md Sum
Even color, but you watch articles.
1:1:36.280 --> 1:1:40.410
Rabihah Md Sum
But you're research studies being made in this area.
1:1:42.740 --> 1:1:43.210
Rabihah Md Sum
Dr.
1:1:43.220 --> 1:1:50.890
Rabihah Md Sum
A sleepy yeah while driving is positively correlated by the accident at a car collision.
1:1:52.60 --> 1:1:53.290
Rabihah Md Sum
OK, I'm sleepy.
1:1:54.700 --> 1:1:57.430
Rabihah Md Sum
Weather watcher would genuinely, but yeah.
1:1:57.560 --> 1:1:57.850
Rabihah Md Sum
Money.
1:1:58.200 --> 1:2:7.550
Rabihah Md Sum
The but Duggar positive positively correlated good Baidu accident with, so this is proven that I'm study
Isla.
1:2:7.590 --> 1:2:10.860
Rabihah Md Sum
OK then I'm research, so you need to understand.
1:2:11.380 --> 1:2:17.270
Rabihah Md Sum
So you need to know of what what does the risk that you identify here correlates with.
1:2:18.840 --> 1:2:19.510
Rabihah Md Sum
OK.
1:2:19.520 --> 1:2:22.950
Rabihah Md Sum
So the last two are the larious appetite and risk tolerance.
1:2:24.410 --> 1:2:24.820
Rabihah Md Sum
OK.
1:2:24.830 --> 1:2:28.870
Rabihah Md Sum
Risk appetite is how much risk do we actually want to take?
1:2:30.50 --> 1:2:34.100
Rabihah Md Sum
OK, so this is how much you want to want.
1:2:34.110 --> 1:2:37.270
Rabihah Md Sum
Yeah, you a.
1:2:38.990 --> 1:2:43.520
Rabihah Md Sum
This is a amount of Risk that you willing to take.
1:2:44.920 --> 1:3:3.10
Rabihah Md Sum
OK, so the ISO 31,000 risk management standard refers to risk appetite as the amount and type of freeze
that an organization is prepared to pursue, retain or take, then you some go on Bill, how big is the risk?
1:3:4.180 --> 1:3:4.790
Rabihah Md Sum
OK.
1:3:4.800 --> 1:3:6.440
Rabihah Md Sum
So catala dengan your friend?
1:3:6.450 --> 1:3:7.40
Rabihah Md Sum
That too.
1:3:7.50 --> 1:3:10.960
Rabihah Md Sum
May you willing to give their hundred?
1:3:11.850 --> 1:3:14.630
Rabihah Md Sum
Bringing it to my your risk appetite.
1:3:16.530 --> 1:3:16.990
Rabihah Md Sum
My near.
1:3:17.0 --> 1:3:20.890
Rabihah Md Sum
You didn't stop us up when you talk have been and the beheaded by the stratus ringing.
1:3:22.630 --> 1:3:24.350
Rabihah Md Sum
OK, my ETA you put your money.
1:3:24.360 --> 1:3:25.720
Rabihah Md Sum
There you are.
1:3:25.730 --> 1:3:27.500
Rabihah Md Sum
Willing to BIN jump and do it?
1:3:27.510 --> 1:3:31.260
Rabihah Md Sum
The Christian gang, some I they won't go wonky that I did do it.
1:3:31.270 --> 1:3:42.380
Rabihah Md Sum
Everything that not we move Google not Mark and good nobody Kampung OK that we have Kika other
extra money for example so it's OK that you need to know your risk appetite.
1:3:43.260 --> 1:4:5.370
Rabihah Md Sum
OK, you are willing up to what amount, OK, what amount can can you uh, what amount that you what
risk too much you know what risk exposure risk, our risk exposure or that we are willing to take we are
we can pursue we are prepared to pursue or prepared to take.
1:4:5.480 --> 1:4:9.950
Rabihah Md Sum
So let's say you put the amount is 100 in it or 150.
1:4:11.470 --> 1:4:28.80
Rabihah Md Sum
OK so my ninya for a friend that really suffers their younger one and the financial problem and all that,
maybe 150 you are willing to forgo when you are willing to let go 153 gate and you are dirty then give to
them then lend to them.
1:4:28.590 --> 1:4:29.890
Rabihah Md Sum
Then lend to them.
1:4:30.940 --> 1:4:32.290
Rabihah Md Sum
So that's your maximum.
1:4:32.360 --> 1:4:33.650
Rabihah Md Sum
That's your risk appetite.
1:4:33.940 --> 1:4:35.700
Rabihah Md Sum
You cannot go more color.
1:4:35.710 --> 1:4:36.270
Rabihah Md Sum
You are so much.
1:4:36.280 --> 1:4:37.400
Rabihah Md Sum
Ohh that's enough.
1:4:37.480 --> 1:4:38.330
Rabihah Md Sum
It do it too.
1:4:38.340 --> 1:4:39.230
Rabihah Md Sum
Limits are yellow.
1:4:39.900 --> 1:4:41.310
Rabihah Md Sum
Not that you don't want to.
1:4:41.380 --> 1:4:41.710
Rabihah Md Sum
OK.
1:4:41.720 --> 1:4:42.950
Rabihah Md Sum
But it too young you.
1:4:42.960 --> 1:4:43.830
Rabihah Md Sum
But will you mampu?
1:4:45.10 --> 1:4:46.340
Rabihah Md Sum
OK, 150 OK.
1:4:46.790 --> 1:4:48.900
Rabihah Md Sum
OK, it would you put your ceiling it to you.
1:4:49.410 --> 1:4:50.730
Rabihah Md Sum
So that is your risk appetite.
1:4:52.200 --> 1:4:53.60
Rabihah Md Sum
Disapper.
1:4:54.520 --> 1:4:57.510
Rabihah Md Sum
You gonna eat your 115 gate will be your risk exposure.
1:4:57.800 --> 1:5:4.360
Rabihah Md Sum
Provide if your friend does not pay at all, you lose 150 uh two daddy, that is you.
1:5:4.370 --> 1:5:16.470
Rabihah Md Sum
You you are willing to take a risk of not paying by your friend and how much research you are you how
much you are willing to take to 150, there is your risk appetite.
1:5:16.480 --> 1:5:16.830
Rabihah Md Sum
Appetite.
1:5:18.220 --> 1:5:27.650
Rabihah Md Sum
So rise and then Dalam to you, either risk tolerance, which is how much risk we are prepared to take or
we are prepared to bed.
1:5:27.760 --> 1:5:29.730
Rabihah Md Sum
But Vania responsible young Sango.
1:5:31.510 --> 1:5:33.290
Rabihah Md Sum
This is your tolerance limit.
1:5:35.100 --> 1:5:39.770
Rabihah Md Sum
OK, Wahab, tolerance you and be fine as part of risk appetite.
1:5:39.880 --> 1:5:42.750
Rabihah Md Sum
So the other subcomponent that risk appetite.
1:5:45.170 --> 1:5:48.930
Rabihah Md Sum
OK, so it is something that you are prepared to bear?
1:5:51.110 --> 1:5:51.820
Rabihah Md Sum
OK.
1:5:52.190 --> 1:5:52.710
Rabihah Md Sum
Umm.
1:5:52.750 --> 1:5:57.290
Rabihah Md Sum
So restaurants is always lower than your risk appetite.
1:5:59.490 --> 1:6:2.710
Rabihah Md Sum
OK, so your reseller risk could be handling it.
1:6:4.110 --> 1:6:4.420
Rabihah Md Sum
OK.
1:6:4.430 --> 1:6:5.480
Rabihah Md Sum
Well, I'll put you open your wrist.
1:6:5.490 --> 1:6:11.440
Rabihah Md Sum
Appetite is 150, so banana you 150 your tolerance level 100.
1:6:14.420 --> 1:6:16.90
Rabihah Md Sum
OK, so you're saying you are coming?
1:6:18.550 --> 1:6:19.20
Rabihah Md Sum
OK.
1:6:19.30 --> 1:6:20.220
Rabihah Md Sum
Uh, teddy?
1:6:20.260 --> 1:6:26.520
Rabihah Md Sum
John Toya, for example, you you are a boss, you can tolerate your employees coming late to work for 5
minutes.
1:6:26.530 --> 1:6:28.220
Rabihah Md Sum
But you will not tolerate one hour.
1:6:29.700 --> 1:6:33.630
Rabihah Md Sum
OK, so into my tolerance tolerance apple and keep the bullet tolerate.
1:6:33.700 --> 1:6:36.590
Rabihah Md Sum
Luckily, trimmer with the so.
1:6:37.500 --> 1:6:40.190
Rabihah Md Sum
So for 5 minutes, but not one hour.
1:6:40.720 --> 1:6:44.750
Rabihah Md Sum
Of course, loud the other boss young and the white guy you one minute phone.
1:6:44.760 --> 1:6:45.970
Rabihah Md Sum
OK, of all boss.
1:6:45.980 --> 1:6:47.790
Rabihah Md Sum
Now you must go on time.
1:6:47.960 --> 1:6:52.540
Rabihah Md Sum
The peak in two time on time.
1:6:52.550 --> 1:6:54.510
Rabihah Md Sum
Too many, zero Laila.
1:6:54.560 --> 1:6:56.870
Rabihah Md Sum
OK, like what caused a minute?
1:6:56.880 --> 1:6:58.380
Rabihah Md Sum
Do it to the appetite.
1:6:59.560 --> 1:7:1.420
Rabihah Md Sum
Happy risk tolerance?
1:7:1.430 --> 1:7:2.710
Rabihah Md Sum
Adela Lima, minute.
1:7:4.240 --> 1:7:8.300
Rabihah Md Sum
I started about 2 determined appetite to do, Baru Baru.
1:7:8.920 --> 1:7:9.90
Rabihah Md Sum
Who?
1:7:9.860 --> 1:7:13.780
Rabihah Md Sum
Tolerance. SYAMILA again.
1:7:13.790 --> 1:7:15.240
Rabihah Md Sum
OK, you put your appetite.
1:7:15.250 --> 1:7:19.60
Rabihah Md Sum
You are people Ahmad Lima, BG, Gary, Pop the pig.
1:7:19.70 --> 1:7:20.260
Rabihah Md Sum
Your thoughts Sabrina?
1:7:20.270 --> 1:7:21.160
Rabihah Md Sum
Tolerance 50.
1:7:23.590 --> 1:7:24.760
Rabihah Md Sum
OK, alright so before.
1:7:26.770 --> 1:7:34.440
Rabihah Md Sum
In a very simple way, Apple based appetite and tolerance gonna put tolerance to define as part of risk
appetite.
1:7:34.450 --> 1:7:41.480
Rabihah Md Sum
So appetite if you don't think about anything else that Italia be given the middle Line 2.
1:7:41.760 --> 1:7:43.250
Rabihah Md Sum
That is, what is our appetite?
1:7:43.260 --> 1:7:45.930
Rabihah Md Sum
So with you got the OK.
1:7:46.440 --> 1:7:47.220
Rabihah Md Sum
You, my mom.
1:7:47.230 --> 1:7:49.520
Rabihah Md Sum
You know BIN 150 ringgit.
1:7:49.530 --> 1:7:57.400
Rabihah Md Sum
50 ringgit so if I do come when you saw and financially need happy, you put your tolerance levels by
1900s.
1:7:57.450 --> 1:8:1.360
Rabihah Md Sum
You got the house, but what you can tolerate actually 100.
1:8:1.430 --> 1:8:4.90
Rabihah Md Sum
So but color you lose 100.
1:8:4.100 --> 1:8:5.50
Rabihah Md Sum
You still my champ?
1:8:5.340 --> 1:8:9.680
Rabihah Md Sum
OK laggy, but remember believe BIN Jump and Cora 100 to is your.
1:8:12.210 --> 1:8:20.250
Rabihah Md Sum
OK, so you are the chances that is your maximum losses that could be 100, although you can risk
appetite 150 Tappy.
1:8:20.300 --> 1:8:22.370
Rabihah Md Sum
Sabrina, your risk tolerance is up to 100.
1:8:22.380 --> 1:8:27.110
Rabihah Md Sum
It's about here color you lose all hundred to you.
1:8:27.600 --> 1:8:28.730
Rabihah Md Sum
You 33 movies?
1:8:28.840 --> 1:8:31.130
Rabihah Md Sum
Daniel asked what they were tolerant said.
1:8:31.200 --> 1:8:36.530
Rabihah Md Sum
You cannot dreamer catala you BIN jump when you 130 hundred 4000 fifty.
1:8:36.540 --> 1:8:40.830
Rabihah Md Sum
150 that's your limit, but then you lose all 152.
1:8:40.840 --> 1:8:42.380
Rabihah Md Sum
152 you might end up.
1:8:42.390 --> 1:8:46.750
Rabihah Md Sum
You cannot remember when you say I cannot accept that my double tolerate.
1:8:46.800 --> 1:8:47.900
Rabihah Md Sum
That's your tolerance level.
1:8:48.990 --> 1:8:50.700
Rabihah Md Sum
So what is that your tolerance level?
1:8:50.710 --> 1:8:59.150
Rabihah Md Sum
You get the handling it well, I kind of bully LA, but that the whole data, so there is the tolerance level.
1:9:1.50 --> 1:9:1.540
Rabihah Md Sum
So much.
1:9:1.550 --> 1:9:2.800
Rabihah Md Sum
I'm OK.
1:9:2.810 --> 1:9:4.910
Rabihah Md Sum
You mark, can you book for you?
1:9:5.170 --> 1:9:6.150
Rabihah Md Sum
What is your appetite?
1:9:6.160 --> 1:9:6.790
Rabihah Md Sum
You buy, lady.
1:9:6.800 --> 1:9:7.780
Rabihah Md Sum
You could give us a buzz.
1:9:8.630 --> 1:9:12.790
Rabihah Md Sum
You, Marcus Karani and umm you you put your appetite.
1:9:12.800 --> 1:9:13.200
Rabihah Md Sum
Got minor.
1:9:13.210 --> 1:9:17.890
Rabihah Md Sum
You put your dollar and then you think Ohh Daddy Baru Sahib Raja.
1:9:17.900 --> 1:9:20.450
Rabihah Md Sum
Class Aris epithet is tolerance appetite.
1:9:20.460 --> 1:9:25.360
Rabihah Md Sum
You Apple Aqua, you I that guy at Apple and you Managing, you know, can do it.
1:9:25.370 --> 1:9:27.40
Rabihah Md Sum
Do you put your appetite then?
1:9:27.350 --> 1:9:30.330
Rabihah Md Sum
In actuality, I put it to you.
1:9:30.830 --> 1:9:31.260
Rabihah Md Sum
Tolerance.
1:9:32.310 --> 1:9:34.810
Rabihah Md Sum
Yeah, some will concept then Aris, Manish, menu.
1:9:34.820 --> 1:9:35.670
Rabihah Md Sum
Uh, bully applied.
1:9:35.920 --> 1:9:39.260
Rabihah Md Sum
Like when you book a party you thing then you cannot bully you.
1:9:39.270 --> 1:9:41.20
Rabihah Md Sum
Put your lesson this morning.
1:9:41.590 --> 1:9:49.190
Rabihah Md Sum
OK, so SITI, habits and office at 2, so in that, yeah, so topics are two very important files.
1:9:49.200 --> 1:9:55.100
Rabihah Md Sum
Yeah, that is a very important concept of arithmetic circuit.
1:9:55.110 --> 1:9:57.730
Rabihah Md Sum
Starting a definition, you don't get the GB.
1:9:57.740 --> 1:10:8.330
Rabihah Md Sum
The tight sand then get the GB classification a talk, but then summer and then now we go to the the last
part at the last, the last stop topic.
1:10:8.340 --> 1:10:9.970
Rabihah Md Sum
Adela risk onset.
1:10:10.140 --> 1:10:17.40
Rabihah Md Sum
OK, so you need to understand how file you need to understand the concept.
1:10:17.100 --> 1:10:20.340
Rabihah Md Sum
So but you not apply now pakai concept me.
1:10:21.60 --> 1:10:21.930
Rabihah Md Sum
OK, now gonna.
1:10:22.100 --> 1:10:24.750
Rabihah Md Sum
OK, so, but Reese need that they do a part.
1:10:24.760 --> 1:10:27.910
Rabihah Md Sum
Yes, I took Part 2 is the fundamental is the concept.
1:10:27.920 --> 1:10:29.640
Rabihah Md Sum
This the next part connecting you.
1:10:29.880 --> 1:10:32.910
Rabihah Md Sum
I'm gonna candia you are going to practice it.
1:10:32.920 --> 1:10:36.400
Rabihah Md Sum
You're going to apply, so you doubly apply Thumper knowledge.
1:10:37.740 --> 1:10:38.200
Rabihah Md Sum
OK.
1:10:38.210 --> 1:10:43.70
Rabihah Md Sum
Aris, name a dear book kind Upper uh machine.
1:10:43.80 --> 1:10:45.340
Rabihah Md Sum
You blackjack last mathematics class?
1:10:45.750 --> 1:10:46.260
Rabihah Md Sum
Uh.
1:10:46.270 --> 1:10:49.150
Rabihah Md Sum
Probability statistic you are my Nur utilize.
1:10:49.250 --> 1:10:50.900
Rabihah Md Sum
That's fine, but do you buy so alone?
1:10:50.910 --> 1:10:51.980
Rabihah Md Sum
OK, but tool.
1:10:52.70 --> 1:10:52.290
Rabihah Md Sum
OK.
1:10:52.530 --> 1:10:54.710
Rabihah Md Sum
Kira but told about my car.
1:10:55.40 --> 1:10:57.800
Rabihah Md Sum
So risk management keep going in that there you are there.
1:10:57.970 --> 1:11:0.140
Rabihah Md Sum
You gonna learn to love the concept money.
1:11:0.150 --> 1:11:5.260
Rabihah Md Sum
You have to have the Elmo knowledge baruli practice Bahubali implement.
1:11:6.600 --> 1:11:7.370
Rabihah Md Sum
OK, so but you could.
1:11:7.490 --> 1:11:8.480
Rabihah Md Sum
How are you, FARHAN?
1:11:8.610 --> 1:11:12.420
Rabihah Md Sum
Probability faham likelihood much money, you know.
1:11:12.430 --> 1:11:13.490
Rabihah Md Sum
Apply there.
1:11:13.570 --> 1:11:18.180
Rabihah Md Sum
By their risk management, but your money in a good idea to practice.
1:11:18.460 --> 1:11:19.550
Rabihah Md Sum
What did you do?
1:11:19.600 --> 1:11:20.360
Rabihah Md Sum
Application.
1:11:20.370 --> 1:11:21.930
Rabihah Md Sum
Yeah, much money now.
1:11:21.940 --> 1:11:24.510
Rabihah Md Sum
Boy did not much money.
1:11:24.520 --> 1:11:26.140
Rabihah Md Sum
Now, boy, do couldn't either.
1:11:26.580 --> 1:11:29.340
Rabihah Md Sum
But it to rise in the concept.
1:11:29.840 --> 1:11:41.80
Rabihah Md Sum
We to charter public there are the starting a knowledge to do then Baru application Baru Buat what to
practice like practical luck.
1:11:41.130 --> 1:11:46.60
Rabihah Md Sum
OK Topone application OK, so OK the some more OK.
1:11:48.50 --> 1:11:51.250
Rabihah Md Sum
The 9, umm anything get?
1:11:51.450 --> 1:11:53.360
Rabihah Md Sum
Yeah, don't 9, Prince.
1:13:55.770 --> 1:13:56.810
QISTINA AUNI BINTI AHMAD RIZAL
Yeah, I thought there.
1:14:0.890 --> 1:14:1.180
Rabihah Md Sum
I don't.
1:14:1.380 --> 1:14:1.950
Rabihah Md Sum
OK. OK.
1:14:4.0 --> 1:14:6.60
Rabihah Md Sum
OK, so we go again.
1:14:6.70 --> 1:14:8.720
Rabihah Md Sum
Yeah, so principle of Risk Management.
1:14:9.340 --> 1:14:13.290
Rabihah Md Sum
So the principle of Risk Management I need why?
1:14:13.300 --> 1:14:19.320
Rabihah Md Sum
Why we need to understand so principle of Risk Management need not the other do age objective.
1:14:19.330 --> 1:14:20.160
Rabihah Md Sum
They're satu.
1:14:20.960 --> 1:14:23.390
Rabihah Md Sum
We want to detect kitten a create the kitten.
1:14:24.40 --> 1:14:29.830
Rabihah Md Sum
See Kitten a Bannon how our what should our activity be?
1:14:29.900 --> 1:14:39.70
Rabihah Md Sum
What should be the risk management activity be and then another one what we wanted to achieve
when we said should be in it.
1:14:40.460 --> 1:14:48.0
Rabihah Md Sum
Uh, you can imagine my katella you imagine the matches are to activity, then you organize.
1:14:49.710 --> 1:15:8.560
Rabihah Md Sum
So you you can see your plan can how it should be, you know, include Sapper, not include large batch
usage go you not include a pleasure SRM Tappy from USA 2 sampayan Parkside.
1:15:9.850 --> 1:15:10.800
Rabihah Md Sum
Uh, you know?
1:15:10.810 --> 1:15:14.270
Rabihah Md Sum
Include Sato, faculty, so that is that.
1:15:14.280 --> 1:15:19.200
Rabihah Md Sum
How you're NAJWA activity should be so some of which Aris management.
1:15:19.290 --> 1:15:21.980
Rabihah Md Sum
You're not focused by the statue risk categories.
1:15:21.990 --> 1:15:22.700
Rabihah Md Sum
Ideal go.
1:15:23.270 --> 1:15:35.980
Rabihah Md Sum
Don't know you're not focused by the financial risk only or, you know, focus the by the cyber risk only or
you or you not focused by the process as sorry project is only.
1:15:36.70 --> 1:15:38.800
Rabihah Md Sum
Is that what you want the activity to be?
1:15:39.820 --> 1:15:43.290
Rabihah Md Sum
Ohh you want it to include the whole organization?
1:15:44.480 --> 1:15:48.760
Rabihah Md Sum
Some men happy, focused financial researcher.
1:15:49.680 --> 1:15:50.610
Rabihah Md Sum
That's one thing.
1:15:50.620 --> 1:15:55.220
Rabihah Md Sum
That's how you can make your activity be like that.
1:15:56.330 --> 1:15:57.450
Rabihah Md Sum
OK, I daddy.
1:15:57.460 --> 1:15:58.400
Rabihah Md Sum
It too young you.
1:15:58.410 --> 1:16:0.710
Rabihah Md Sum
I can learn security or.
1:16:2.310 --> 1:16:8.660
Rabihah Md Sum
Why practice when we say what there is management activity should be?
1:16:10.470 --> 1:16:14.960
Rabihah Md Sum
OK, so you can AFIQ, OK how do you want?
1:16:15.10 --> 1:16:25.40
Rabihah Md Sum
How do you want it to be that you can do much money, involve everybody in broad, involve certain of
people, include every risk, OK?
1:16:25.50 --> 1:16:27.150
Rabihah Md Sum
Include every, every risk that you know.
1:16:27.210 --> 1:16:27.540
Rabihah Md Sum
OK.
1:16:27.880 --> 1:16:28.30
Rabihah Md Sum
No.
1:16:29.100 --> 1:16:29.750
Rabihah Md Sum
No Bakary.
1:16:29.760 --> 1:16:37.690
Rabihah Md Sum
Casualty punya risk so but you may include every risk and So what does every risk means?
1:16:39.250 --> 1:16:40.340
Rabihah Md Sum
OK, uh, you know.
1:16:40.980 --> 1:16:41.630
Rabihah Md Sum
Uh.
1:16:41.670 --> 1:16:46.450
Rabihah Md Sum
Compare compare then I the institutions to Antonio.
1:16:46.460 --> 1:16:46.680
Rabihah Md Sum
Gala.
1:16:46.690 --> 1:16:49.180
Rabihah Md Sum
You bang, OK, you are catala you.
1:16:49.190 --> 1:16:53.560
Rabihah Md Sum
Banks can Scania you bank on my like you Ariffin bank.
1:16:54.90 --> 1:16:59.730
Rabihah Md Sum
Then you get the OK lucky which would uppercut beg Negara Punya risk category.
1:17:1.50 --> 1:17:1.450
Rabihah Md Sum
A table.
1:17:1.460 --> 1:17:6.530
Rabihah Md Sum
You get the the table backlight when you're risk category.
1:17:6.540 --> 1:17:7.960
Rabihah Md Sum
Well, maybe you can follow them.
1:17:8.130 --> 1:17:10.360
Rabihah Md Sum
So you can OK like that will be our risk category.
1:17:10.430 --> 1:17:22.80
Rabihah Md Sum
So you know what the whole risk category for the whole bang or someone's category, that IP onto loan
department only.
1:17:22.630 --> 1:17:27.300
Rabihah Md Sum
So it too young master, can't tonight there is management activity.
1:17:27.310 --> 1:17:33.780
Rabihah Md Sum
Should be OK, comedian apoya unit chief, you know, active upper.
1:17:34.110 --> 1:17:34.620
Rabihah Md Sum
OK.
1:17:34.630 --> 1:17:36.710
Rabihah Md Sum
You know increase firm value.
1:17:37.750 --> 1:18:2.0
Rabihah Md Sum
We should see you measure Buckeye share prices, you not increase knowledge sahaja you know increase
awareness ajoke you not block on data data you can data receive coke so you cannot decide do an Edu
two young kitten too young concept.
1:18:2.260 --> 1:18:8.680
Rabihah Md Sum
We two lanolin, you know that right there by the principle of Risk Management, that is what principle is
all about.
1:18:9.250 --> 1:18:10.460
Rabihah Md Sum
The love is management.
1:18:10.530 --> 1:18:25.420
Rabihah Md Sum
When we talk about principle, we are actually talking about how there is management activity should be
what there is management activity should be with my new BINTI you or in set the apple.
1:18:26.190 --> 1:18:28.310
Rabihah Md Sum
OK, good work achieve apple.
1:18:29.640 --> 1:18:42.90
Rabihah Md Sum
But what is it from this risk management activity, you know, achieve Apple so color you bought activity
then students, can you you your students activity must see you are the chief upper you can do list
objective OK.
1:18:44.960 --> 1:18:47.720
Rabihah Md Sum
Can it AQQILLA the summer?
1:18:47.800 --> 1:18:50.600
Rabihah Md Sum
But NAJWA and.
1:18:50.610 --> 1:18:55.420
Rabihah Md Sum
Hubungan dengan Cara OK, but can I could not land.
1:18:55.430 --> 1:19:0.130
Rabihah Md Sum
And then like up NAJWA senior, he took it.
1:19:0.140 --> 1:19:1.170
Rabihah Md Sum
Judy, it two.
1:19:1.220 --> 1:19:4.210
Rabihah Md Sum
Adela, you punya achievement.
1:19:4.220 --> 1:19:5.890
Rabihah Md Sum
What you achieve that bother you?
1:19:5.900 --> 1:19:17.0
Rabihah Md Sum
Put your activity tidy activity so can go activity you know, but tango OK already your activity what your
activity.
1:19:17.10 --> 1:19:18.0
Rabihah Md Sum
Do you know what?
1:19:18.10 --> 1:19:18.780
Rabihah Md Sum
You know Pata?
1:19:19.210 --> 1:19:19.970
Rabihah Md Sum
You thought that what?
1:19:20.670 --> 1:19:31.60
Rabihah Md Sum
OK, what you know now it to activity you the how what the activity should be to it should be went to
Apple so you can tell OK.
1:19:31.70 --> 1:19:33.140
Rabihah Md Sum
But do you know? But now apple.
1:19:33.150 --> 1:19:33.290
Rabihah Md Sum
Yeah.
1:19:33.300 --> 1:19:35.880
Rabihah Md Sum
You know, chief out of minor Batoni, you know, chief.
1:19:38.90 --> 1:19:38.820
Rabihah Md Sum
But the upper.
1:19:40.760 --> 1:19:42.150
Rabihah Md Sum
But uh marat.
1:19:42.160 --> 1:19:42.500
Rabihah Md Sum
Kind who?
1:19:43.590 --> 1:19:44.140
Rabihah Md Sum
Yeah.
1:19:44.190 --> 1:19:45.390
Rabihah Md Sum
Let me, Shara.
1:19:46.550 --> 1:19:56.840
Rabihah Md Sum
But but I put the whole I denied like some of NAJWA Junior Duplaga senior Junto pledges accounts are
two different don't Fight Night.
1:19:57.150 --> 1:19:59.370
Rabihah Md Sum
Ideally you can black, but you break.
1:20:0.890 --> 1:20:1.290
Rabihah Md Sum
Yeah.
1:20:1.350 --> 1:20:4.970
Rabihah Md Sum
OK, like I didn't mention to I2, Adela achieve money.
1:20:4.980 --> 1:20:7.750
Rabihah Md Sum
You, not Japan, risk management was summer.
1:20:7.960 --> 1:20:10.400
Rabihah Md Sum
The table is simply Voyager risk management.
1:20:11.480 --> 1:20:13.160
Rabihah Md Sum
Sebab Bila, you practice?
1:20:13.170 --> 1:20:13.330
Rabihah Md Sum
Yeah.
1:20:13.340 --> 1:20:14.410
Rabihah Md Sum
Then organization.
1:20:14.420 --> 1:20:15.570
Rabihah Md Sum
You're gonna draw up.
1:20:15.880 --> 1:20:18.670
Rabihah Md Sum
Do a precarious me boss. You are.
1:20:18.680 --> 1:20:19.410
Rabihah Md Sum
Continue.
1:20:19.480 --> 1:20:21.720
Rabihah Md Sum
You put your risk management anti much money.
1:20:22.840 --> 1:20:23.950
Rabihah Md Sum
You know, brought much AMANI.
1:20:25.440 --> 1:20:30.100
Rabihah Md Sum
OK, so you can decide you're not bright to resize the.
1:20:30.410 --> 1:20:32.370
Rabihah Md Sum
You're not bought into Saturday apartment.
1:20:33.120 --> 1:20:39.560
Rabihah Md Sum
You're not taking more the whole company a comprehensive life and the enterprise series.
1:20:40.80 --> 1:20:43.410
Rabihah Md Sum
You're not bought Enterprise 3 school, OK?
1:20:43.420 --> 1:20:43.870
Rabihah Md Sum
You're not.
1:20:43.880 --> 1:20:45.980
Rabihah Md Sum
What do you know?
1:20:45.990 --> 1:20:46.740
Rabihah Md Sum
What enterprise?
1:20:46.750 --> 1:20:51.290
Rabihah Md Sum
Stopping not focused by this are to risk categories hijacker up with you.
1:20:51.340 --> 1:20:54.850
Rabihah Md Sum
What is it that there is management activity could work.
1:20:55.220 --> 1:20:58.520
Rabihah Md Sum
You can show up what are you trying to achieve.
1:20:58.610 --> 1:21:2.160
Rabihah Md Sum
What do you want to achieve from this risk management activities?
1:21:3.890 --> 1:21:4.280
Rabihah Md Sum
OK.
1:21:4.290 --> 1:21:5.970
Rabihah Md Sum
But you will get you will click at the.
1:21:5.980 --> 1:21:15.880
Rabihah Md Sum
OK, Sayona restate the base so that we know that these database of financial risk of our organization.
1:21:16.130 --> 1:21:23.820
Rabihah Md Sum
Johnny Kitaku Upper financial risk and BUSU upper financial reason would financial reason to
overspending.
1:21:25.640 --> 1:21:35.400
Rabihah Md Sum
OK, overspending or on uh, non necessary activities, for example, study boy, please, management.
1:21:37.860 --> 1:21:38.570
Rabihah Md Sum
We may.
1:21:38.720 --> 1:21:54.510
Rabihah Md Sum
We may not know what our our, our our financial risk if the cursor, but if we do risk management
activities on financial risk only then we know risk financial numbers are to upper risk financial, noble
upper and so on.
1:21:54.920 --> 1:21:55.370
Rabihah Md Sum
OK.
1:21:55.380 --> 1:22:0.670
Rabihah Md Sum
Jerry, maybe that is your achieve achieve money you not achieve.
1:22:0.800 --> 1:22:1.830
Rabihah Md Sum
So you gonna check out?
1:22:1.840 --> 1:22:4.650
Rabihah Md Sum
You gonna defend so it too young?
1:22:4.920 --> 1:22:7.460
Rabihah Md Sum
Dibawah principle of Risk Management.
1:22:9.230 --> 1:22:16.30
Rabihah Md Sum
So, uh, then nature, though ADILAH nature of the race at the what is the framework?
1:22:16.90 --> 1:22:18.680
Rabihah Md Sum
Also, the whole thing young too.
1:22:18.690 --> 1:22:19.720
Rabihah Md Sum
Adela framework there.
1:22:20.750 --> 1:22:21.100
Rabihah Md Sum
OK.
1:22:21.110 --> 1:22:22.60
Rabihah Md Sum
Thank you.
1:22:22.680 --> 1:22:24.410
Rabihah Md Sum
OK, Bentonia much mania.
1:22:24.680 --> 1:22:26.160
Rabihah Md Sum
I'll put the put your characteristic.
1:22:27.200 --> 1:22:34.430
Rabihah Md Sum
OK, good work about activity, Daddy, you know, achieve Apple your activity not deliver Apple.
1:22:35.700 --> 1:22:36.510
Rabihah Md Sum
OK.
1:22:36.520 --> 1:22:39.180
Rabihah Md Sum
So any what?
1:22:39.380 --> 1:22:41.50
Rabihah Md Sum
Delam Apple Porcaro phone.
1:22:41.60 --> 1:22:42.50
Rabihah Md Sum
Yes, banano.
1:22:42.750 --> 1:22:45.510
Rabihah Md Sum
You got to type thing.
1:22:45.610 --> 1:22:54.720
Rabihah Md Sum
Or your students activity at the color you organize student activity at the HAWA and you wanna organize
student every activity too.
1:22:54.730 --> 1:22:56.360
Rabihah Md Sum
But I need the list.
1:22:57.100 --> 1:22:58.70
Rabihah Md Sum
Apoya up.
1:22:58.80 --> 1:23:2.410
Rabihah Md Sum
What is the objective you want to achieve out of this activity cycles?
1:23:2.420 --> 1:23:3.70
Rabihah Md Sum
Are you gonna what?
1:23:3.360 --> 1:23:4.890
Rabihah Md Sum
At the point, Nabil?
1:23:5.620 --> 1:23:6.280
Rabihah Md Sum
Ghost.
1:23:6.440 --> 1:23:9.110
Rabihah Md Sum
OK, uppercut. Tujuan tujuan objective.
1:23:9.250 --> 1:23:10.500
Rabihah Md Sum
That was taken the two lists.
1:23:10.510 --> 1:23:12.530
Rabihah Md Sum
When you're the love you look at, that's good joke.
1:23:12.680 --> 1:23:37.720
Rabihah Md Sum
So Bob color katulis, tallus some would you got village in about risk management village you bought into
risk management in your organization, you could not do this objective now achieve upper Now deliver
upper, OK so but every activity pack I doing somewhere you can't even use do that activity use money,
OK you not mean that do it.
1:23:37.730 --> 1:23:43.140
Rabihah Md Sum
You let me that that now so BIN Dana somewhere you got the organization. The corporation.
1:23:43.310 --> 1:23:45.660
Rabihah Md Sum
Must what are you want?
1:23:45.670 --> 1:23:48.640
Rabihah Md Sum
What is it that can you achieve from this activity?
1:23:48.730 --> 1:23:53.460
Rabihah Md Sum
Otherwise why I am I wasting money and I'm not gonna say I won't do it again.
1:23:53.640 --> 1:23:54.540
Rabihah Md Sum
So like you buy TV.
1:23:54.630 --> 1:23:58.440
Rabihah Md Sum
Pita Pita do objective get are they summer?
1:23:58.950 --> 1:24:0.960
Rabihah Md Sum
Maybe there is management for summer at my camp.
1:24:0.970 --> 1:24:5.340
Rabihah Md Sum
Two daddy Buddha 20, Tor kita boleh.
1:24:5.350 --> 1:24:5.930
Rabihah Md Sum
Determine.
1:24:5.940 --> 1:24:6.250
Rabihah Md Sum
Yeah.
1:24:6.260 --> 1:24:9.730
Rabihah Md Sum
Mechanic determine like when you're meeting up, they know.
1:24:9.740 --> 1:24:15.880
Rabihah Md Sum
Yeah, to 32 should be though Circuito boleh Guna characteristic.
1:24:16.950 --> 1:24:18.970
Rabihah Md Sum
PACE D They said.
1:24:20.350 --> 1:24:27.700
Rabihah Md Sum
OK, Pratama activity must be proportionate to the level of Risk within the organization.
1:24:28.50 --> 1:24:30.100
Rabihah Md Sum
Money Nur dangan.
1:24:30.110 --> 1:24:35.580
Rabihah Md Sum
What the lamp oversaw, kalau Kita Punya organization, to is a very small organization.
1:24:35.590 --> 1:24:38.520
Rabihah Md Sum
Catala Uni business printing you are there.
1:24:38.620 --> 1:24:41.440
Rabihah Md Sum
But could just pull around there. My daddy?
1:24:41.450 --> 1:24:45.110
Rabihah Md Sum
Proportionate LA OK, Jungala you what risk to my child?
1:24:45.390 --> 1:24:46.460
Rabihah Md Sum
Petronas.
1:24:46.470 --> 1:24:49.540
Rabihah Md Sum
Machamp product, can you?
1:24:49.550 --> 1:24:52.910
Rabihah Md Sum
You you think or you forget training, then orange, goodwill.
1:24:53.440 --> 1:24:54.440
Rabihah Md Sum
Oram Petronas.
1:24:54.450 --> 1:24:55.550
Rabihah Md Sum
Wow, you summon.
1:24:56.130 --> 1:24:56.420
Rabihah Md Sum
Why?
1:24:56.430 --> 1:25:1.860
Rabihah Md Sum
You know I IT system linited enterprise system light and all that logic law.
1:25:2.890 --> 1:25:18.410
Rabihah Md Sum
OK, I when you are just a small business but to local business, yeah, OK, you have to be proportionate to
the level of Risk within your organization come then gonna align with other business activity monitor
KOSIM.
1:25:18.660 --> 1:25:23.680
Rabihah Md Sum
But I like, you know, fifty financial risk you take when you, when your accounts and financial finance
department.
1:25:25.170 --> 1:25:27.480
Rabihah Md Sum
OK, sales good waiting.
1:25:29.750 --> 1:25:33.650
Rabihah Md Sum
At like a human resource that we I think set up and thing are you cannot say that.
1:25:33.660 --> 1:25:36.910
Rabihah Md Sum
Yeah, Daddy, you cannot keep the backside.
1:25:36.920 --> 1:25:40.300
Rabihah Md Sum
They cannot align with your other business activities.
1:25:40.650 --> 1:25:52.840
Rabihah Md Sum
OK, with your business activities gonna align come down with the comprehensive systematic and
structured canola comprehensive, OK, while you work with tail has to be a comprehensive.
1:25:52.970 --> 1:25:58.500
Rabihah Md Sum
So my AINA catalog AL allow you, the boy comprehensive can be many ways.
1:25:58.510 --> 1:25:58.880
Rabihah Md Sum
Yeah.
1:25:58.920 --> 1:26:0.720
Rabihah Md Sum
John, do you know about financial risk?
1:26:0.760 --> 1:26:4.50
Rabihah Md Sum
So you can abort the financial risk into every department that you have.
1:26:5.510 --> 1:26:6.0
Rabihah Md Sum
OK.
1:26:6.150 --> 1:26:8.60
Rabihah Md Sum
I it's about Canada.
1:26:8.290 --> 1:26:10.720
Rabihah Md Sum
You don't have a resources.
1:26:10.730 --> 1:26:10.930
Rabihah Md Sum
Yeah.
1:26:11.330 --> 1:26:13.640
Rabihah Md Sum
What all risk case?
1:26:13.650 --> 1:26:14.960
Rabihah Md Sum
The more you talk when you talk, Mom.
1:26:15.300 --> 1:26:17.450
Rabihah Md Sum
Boy, you don't have money to what?
1:26:18.110 --> 1:26:19.560
Rabihah Md Sum
Financial you know what?
1:26:19.570 --> 1:26:20.290
Rabihah Md Sum
Operational.
1:26:20.300 --> 1:26:22.160
Rabihah Md Sum
Not what project we smooth, you know what?
1:26:22.170 --> 1:26:28.380
Rabihah Md Sum
Cyber, but you don't have done some moments and you put your student activities like you know.
1:26:28.390 --> 1:26:30.810
Rabihah Md Sum
But my time that you don't have enough money.
1:26:31.980 --> 1:26:33.580
Rabihah Md Sum
Uh, so some would you getting HARIS?
1:26:33.590 --> 1:26:36.90
Rabihah Md Sum
Yes, sometimes you can do it some more.
1:26:36.240 --> 1:26:43.270
Rabihah Md Sum
So you thought what all that you wanted to do, that you can do it as comprehensive as possible.
1:26:43.380 --> 1:26:48.990
Rabihah Md Sum
So until you guys are too restart it, involve every department or you bought side to activity.
1:26:49.100 --> 1:26:53.950
Rabihah Md Sum
The pig involve every students in your program.
1:26:53.960 --> 1:26:55.740
Rabihah Md Sum
They put the downside to some don't bite.
1:26:56.640 --> 1:26:58.50
Rabihah Md Sum
So how do we do that?
1:26:58.60 --> 1:27:2.390
Rabihah Md Sum
Let's say just make a tea party, but let me know what time.
1:27:2.820 --> 1:27:10.890
Rabihah Md Sum
OK, so it's cheaper, but you can make it lively, but you can involve everybody because there's all the
money that you have.
1:27:11.320 --> 1:27:13.490
Rabihah Md Sum
OK, sandwich you got below you practice?
1:27:13.500 --> 1:27:17.640
Rabihah Md Sum
Yeah, the organization you are consuming poor constraint constraint which you need.
1:27:18.820 --> 1:27:21.480
Rabihah Md Sum
OK, so comprehensive can be many ways.
1:27:21.620 --> 1:27:29.370
Rabihah Md Sum
You can choose to receive code onto financial auto you not choose cyber risk by two young and things
around, for example.
1:27:29.420 --> 1:27:35.710
Rabihah Md Sum
But you do for everybody, for every business activities, for all, every department in your organization.
1:27:35.960 --> 1:27:37.940
Rabihah Md Sum
Don't do a simple comprehensive.
1:27:37.950 --> 1:27:41.310
Rabihah Md Sum
Their proportionate their comprehensive, OK.
1:27:41.320 --> 1:27:47.680
Rabihah Md Sum
So, but you don't have money to do all if you have a lot of money, you will go at all the risk classification
and you are the John.
1:27:48.690 --> 1:28:0.480
Rabihah Md Sum
Estel too, yampi political environments and you can apply it to all risks in your organization then jugger it
has to be systematic and structured mantika compliance.
1:28:1.550 --> 1:28:8.360
Rabihah Md Sum
Much my systematic and such happy taken your birthday thematic BAHAR techniques.
1:28:9.230 --> 1:28:10.680
Rabihah Md Sum
That District 2.
1:28:11.210 --> 1:28:12.820
Rabihah Md Sum
John Tonio potamus. Kali.
1:28:13.120 --> 1:28:17.220
Rabihah Md Sum
Yeah, you're gonna just two organizers see supposedly do the lamp.
1:28:17.290 --> 1:28:22.100
Rabihah Md Sum
You put your risk management the past two Super assistant here, into Tonto structured.
1:28:23.550 --> 1:28:25.290
Rabihah Md Sum
Got be even below you, boy.
1:28:25.340 --> 1:28:28.100
Rabihah Md Sum
Your students activity, people, you are composed.
1:28:28.110 --> 1:28:29.650
Rabihah Md Sum
Such area burst through token.
1:28:29.740 --> 1:28:45.450
Rabihah Md Sum
You can either start to to OK in the apple any HK apple without it to permissive systematic and
structured you thought what they jumped up again you thought what they do so but you don't 90 get
back and Judy systematic they can Judy.
1:28:47.280 --> 1:28:49.540
Rabihah Md Sum
So the same thing in your risk management activity.
1:28:50.760 --> 1:28:53.950
Rabihah Md Sum
So ZAKWAN Sapu, who are the leader here?
1:28:53.960 --> 1:28:57.130
Rabihah Md Sum
Zaki, you put your risk manager support assistant there.
1:28:57.460 --> 1:28:58.150
Rabihah Md Sum
Come there.
1:28:58.260 --> 1:28:59.800
Rabihah Md Sum
Who are the data analysis?
1:28:59.810 --> 1:29:5.120
Rabihah Md Sum
At the risk analysis, subway and body part subway, and would you call it ETA?
1:29:6.230 --> 1:29:9.220
Rabihah Md Sum
OK, so eat too much sugar systematic and stretch.
1:29:10.680 --> 1:29:18.390
Rabihah Md Sum
Come get it has to be embedded within business procedures and protocol conella and batteries
management.
1:29:18.400 --> 1:29:19.830
Rabihah Md Sum
Della business procedure.
1:29:19.840 --> 1:29:22.270
Rabihah Md Sum
Dalam you put your protocol OK.
1:29:22.840 --> 1:29:26.550
Rabihah Md Sum
Talking village you boys to the activities and other protocol.
1:29:27.30 --> 1:29:28.970
Rabihah Md Sum
You can put in.
1:29:29.350 --> 1:29:32.370
Rabihah Md Sum
You don't put in somewhere.
1:29:33.240 --> 1:29:34.530
Rabihah Md Sum
OK, you're not worried.
1:29:34.540 --> 1:29:35.190
Rabihah Md Sum
Management.
1:29:35.200 --> 1:29:44.610
Rabihah Md Sum
Then you put your boss boss protocol, your visa, you know, but risk management too the night or but
people, they cut the cut operator.
1:29:44.620 --> 1:29:47.690
Rabihah Md Sum
OK, operator, panel Orange, Antonia approach you.
1:29:47.700 --> 1:29:52.710
Rabihah Md Sum
But baser procedure you berbeza protocol you BASYAR then you can end badly.
1:29:53.680 --> 1:29:57.180
Rabihah Md Sum
And that means you use it for your activity.
1:29:57.190 --> 1:29:58.970
Rabihah Md Sum
You're not gonna management.
1:29:58.980 --> 1:30:4.160
Rabihah Md Sum
Can you approach your equal protocol maximizing it could proceed your machine.
1:30:4.740 --> 1:30:8.770
Rabihah Md Sum
It has to be dynamic, iterative and responsive to change risk.
1:30:8.780 --> 1:30:10.600
Rabihah Md Sum
Management must be dynamic.
1:30:11.530 --> 1:30:12.380
Rabihah Md Sum
Dynamic me.
1:30:12.390 --> 1:30:19.350
Rabihah Md Sum
My they knew they are come Baru, but many code uh and the environment you are in keep the member.
1:30:19.360 --> 1:30:22.50
Rabihah Md Sum
Can you always be dynamics OK? You.
1:30:24.440 --> 1:30:30.370
Rabihah Md Sum
To to do do my computer grubba rubaya bowling Master Museum.
1:30:30.660 --> 1:30:31.220
Rabihah Md Sum
My temperature.
1:30:31.320 --> 1:30:45.70
Rabihah Md Sum
This is what I can guide you the email maruba for thousands of years and and and some done some
fabulous done due to the museum like in the end you do the museum, OK.
1:30:45.80 --> 1:31:1.360
Rabihah Md Sum
You don't want to be there that you have to be dynamic dynamic too, because like you said, how you
practice and risk management in the responsive to change dontonio much as I mascara kind of that asta
yeah.
1:31:1.370 --> 1:31:6.830
Rabihah Md Sum
And identify these two unique Ida Google form.
1:31:7.320 --> 1:31:8.820
Rabihah Md Sum
I know Willie bunica.
1:31:8.830 --> 1:31:9.790
Rabihah Md Sum
Ida bengkel.
1:31:10.130 --> 1:31:11.600
Rabihah Md Sum
Hey, Lawrence, when are the Macarena?
1:31:11.610 --> 1:31:13.680
Rabihah Md Sum
And all that kinda so you cannot just speak.
1:31:14.750 --> 1:31:15.20
Rabihah Md Sum
OK.
1:31:15.30 --> 1:31:19.730
Rabihah Md Sum
And did you come OK, my sweet, to make it interesting. OK.
1:31:19.910 --> 1:31:20.970
Rabihah Md Sum
You have to be dynamic.
1:31:21.830 --> 1:31:24.470
Rabihah Md Sum
Guess I must karaniya even risk management pond.
1:31:24.610 --> 1:31:26.300
Rabihah Md Sum
I did OK.
1:31:26.310 --> 1:31:28.620
Rabihah Md Sum
That's why you have to be dynamic.
1:31:29.170 --> 1:31:30.830
Rabihah Md Sum
And responsive to change.
1:31:31.640 --> 1:31:33.10
Rabihah Md Sum
OK, Jerry into my soul.
1:31:33.20 --> 1:31:39.320
Rabihah Md Sum
Into you put activity OK that that a bullet a much.
1:31:40.400 --> 1:31:40.920
Rabihah Md Sum
OK.
1:31:40.930 --> 1:31:43.40
Rabihah Md Sum
You know, not like the task again.
1:31:43.110 --> 1:31:44.0
Rabihah Md Sum
Pens and papers.
1:31:44.870 --> 1:31:45.300
Rabihah Md Sum
Sampai?
1:31:45.310 --> 1:31:46.0
Rabihah Md Sum
Bila bila.
1:31:46.210 --> 1:31:49.310
Rabihah Md Sum
OK, that's not going to going to sustain you.
1:31:49.320 --> 1:31:50.440
Rabihah Md Sum
And yet, too young.
1:31:50.490 --> 1:31:53.50
Rabihah Md Sum
Yet ABBA Ruba OK, you are not.
1:31:53.60 --> 1:31:55.590
Rabihah Md Sum
You are not a stone, OK?
1:31:55.600 --> 1:31:58.210
Rabihah Md Sum
You will come back to, OK.
1:31:58.220 --> 1:31:58.950
Rabihah Md Sum
You're not a three.
1:31:58.960 --> 1:32:2.190
Rabihah Md Sum
Yeah, uh, if you come, can you bully which island?
1:32:2.200 --> 1:32:3.750
Rabihah Md Sum
You will change yourself.
1:32:3.820 --> 1:32:5.550
Rabihah Md Sum
OK, so you can be dynamic.
1:32:5.720 --> 1:32:6.390
Rabihah Md Sum
OK.
1:32:6.400 --> 1:32:7.410
Rabihah Md Sum
Then then not.
1:32:7.420 --> 1:32:9.60
Rabihah Md Sum
You're not dynamic name.
1:32:9.190 --> 1:32:11.320
Rabihah Md Sum
Can cut your risk management side.
1:32:11.330 --> 1:32:19.600
Rabihah Md Sum
You have to be dynamic and you can SABRI, Uba, meniko, perubahan, OHS, Persky, Tara, again laggy.
1:32:19.610 --> 1:32:20.620
Rabihah Md Sum
Laggy risk management?
1:32:20.630 --> 1:32:20.960
Rabihah Md Sum
Yeah.
1:32:21.730 --> 1:32:22.880
Rabihah Md Sum
Keep on evolving.
1:32:22.890 --> 1:32:25.510
Rabihah Md Sum
Then we have to improve and change ourselves.
1:32:26.690 --> 1:32:32.980
Rabihah Md Sum
OK, now framework too turning framework too deep in your uncle.
1:32:33.50 --> 1:32:33.540
Rabihah Md Sum
Can you tell me?
1:32:33.930 --> 1:32:34.780
Rabihah Md Sum
What? You again?
1:32:34.890 --> 1:32:44.10
Rabihah Md Sum
So, but the two chamoda hanya I need tips Ballygunner Kaida MADE made too.
1:32:44.240 --> 1:32:44.740
Rabihah Md Sum
OK.
1:32:44.750 --> 1:32:46.790
Rabihah Md Sum
Syed into the locale. Mandatory.
1:32:47.630 --> 1:32:59.160
Rabihah Md Sum
OK, please measure framework must achieve Apple mandatory obligation assurance regarding
management at significant risk decision that pay full regard to risk and effective and efficient core
process.
1:32:59.210 --> 1:33:0.420
Rabihah Md Sum
So believe it to check out.
1:33:0.430 --> 1:33:9.110
Rabihah Md Sum
OK, I think that management activity you did not give me any mutating many, it's got an active apple, OK.
1:33:9.120 --> 1:33:13.250
Rabihah Md Sum
So the budget tips see, that's why you you phone like I wanna pick in active.
1:33:13.500 --> 1:33:13.780
Rabihah Md Sum
Yeah.
1:33:13.790 --> 1:33:23.130
Rabihah Md Sum
OK, you need OK approach and you when you add like they must achieve Mohd EE mandatory obligation
placed on the organization.
1:33:23.140 --> 1:33:34.360
Rabihah Md Sum
Toronto Upper Mandatory Obligation Colada university summer cruises courses Masti QAE 2 mandatory
obligation the OK.
1:33:35.50 --> 1:33:41.690
Rabihah Md Sum
When you're risk management, BT misty morning cut, can chances skitter onto achieve and QA.
1:33:43.490 --> 1:33:49.440
Rabihah Md Sum
So Satu achievement yankeetown achieve OK uh daddy can either.
1:33:49.450 --> 1:33:50.40
Rabihah Md Sum
Problem.
1:33:50.540 --> 1:33:55.800
Rabihah Md Sum
Uh program and the M QA, but well meaning my sticker.
1:33:56.20 --> 1:33:56.350
Rabihah Md Sum
Yeah.
1:33:56.360 --> 1:33:58.50
Rabihah Md Sum
Keep on your TV.
1:33:58.110 --> 1:34:3.330
Rabihah Md Sum
Maybe AKMAR mastika and determine biker lulus program program.
1:34:3.640 --> 1:34:4.140
Rabihah Md Sum
For you.
1:34:6.620 --> 1:34:7.280
Rabihah Md Sum
Mandatory.
1:34:9.770 --> 1:34:12.320
Rabihah Md Sum
Uh practice obligation do you?
1:34:12.330 --> 1:34:13.570
Rabihah Md Sum
Much, umm. Lawyers.
1:34:13.580 --> 1:34:17.200
Rabihah Md Sum
Yeah, medical lawyers.
1:34:17.210 --> 1:34:17.940
Rabihah Md Sum
Eight took a break.
1:34:17.950 --> 1:34:21.130
Rabihah Md Sum
At the Lion Punya, somebody MIQDAD breakage.
1:34:21.140 --> 1:34:24.740
Rabihah Md Sum
You go can fulfill their punya practice.
1:34:24.750 --> 1:34:28.410
Rabihah Md Sum
Punia Application engineering architecture camera added that.
1:34:30.610 --> 1:34:31.640
Rabihah Md Sum
License to yeah.
1:34:31.650 --> 1:34:33.620
Rabihah Md Sum
Demand your calorie type that that part it too.
1:34:33.870 --> 1:34:42.290
Rabihah Md Sum
Licensee again, Tappy mandatory practitioners punya level where they manage their graduate they that
party too.
1:34:42.770 --> 1:34:44.50
Rabihah Md Sum
Uh team solo.
1:34:44.280 --> 1:34:45.910
Rabihah Md Sum
Item table in Mysore then I'll be done.
1:34:46.380 --> 1:34:48.610
Rabihah Md Sum
Break my singing, Judy.
1:34:48.840 --> 1:34:50.560
Rabihah Md Sum
You bully like those bad guys.
1:34:50.570 --> 1:34:57.540
Rabihah Md Sum
Salesa 2 your risk management activity when you're achievement OK that mandatory obligations.
1:34:57.550 --> 1:35:6.340
Rabihah Md Sum
So you need to know you need to know in your organization, uppercut mandatory obligation upward
compliance and you can fulfill.
1:35:6.610 --> 1:35:7.380
Rabihah Md Sum
OK, my times.
1:35:7.390 --> 1:35:8.380
Rabihah Md Sum
Are you OK?
1:35:8.390 --> 1:35:11.160
Rabihah Md Sum
I'm in a higher education, of course.
1:35:11.170 --> 1:35:19.100
Rabihah Md Sum
I know what is the mandatory obligation of of all compliance of my organization, which is I have to
comply in the mqa.
1:35:20.230 --> 1:35:24.760
Rabihah Md Sum
Uh, so so you can at your organization, can you completing Apple?
1:35:25.470 --> 1:35:26.870
Rabihah Md Sum
Happy America gonna comply.
1:35:26.880 --> 1:35:28.640
Rabihah Md Sum
Color that you can operate.
1:35:29.610 --> 1:35:31.430
Rabihah Md Sum
Got your insurance company?
1:35:31.440 --> 1:35:32.560
Rabihah Md Sum
They cannot comply.
1:35:32.570 --> 1:35:39.160
Rabihah Md Sum
Then I said me arahant, beggar, ini rules and regulation by bangara sandwich getting a bank.
1:35:40.20 --> 1:35:44.10
Rabihah Md Sum
Uh, Daddy, you have to make your risk manager deputy cutter.
1:35:44.20 --> 1:35:47.950
Rabihah Md Sum
You're gonna Brandy, Jermaine Bower, your activity. Bully comply.
1:35:48.20 --> 1:35:49.120
Rabihah Md Sum
They can increase.
1:35:50.520 --> 1:35:55.240
Rabihah Md Sum
Can reduce the chances of not complying, I think.
1:36:0.580 --> 1:36:3.500
Rabihah Md Sum
Yang Company created that complied again.
1:36:3.510 --> 1:36:8.400
Rabihah Md Sum
Bangaru complied and nine and two. AOKP.
1:36:9.350 --> 1:36:29.920
Rabihah Md Sum
OK, could do assurance regarding the management of significant risk in significant risk at the risk and
thingy, the high level risk that you wanna achievement, risk management activity and enhance your
adult allow you to make sure that your company are can manage your significant risk.
1:36:29.930 --> 1:36:33.100
Rabihah Md Sum
I told your very, very, very important risk.
1:36:33.110 --> 1:36:34.140
Rabihah Md Sum
It must significant.
1:36:35.620 --> 1:36:37.10
Rabihah Md Sum
That's your second treatment.
1:36:37.20 --> 1:36:37.700
Rabihah Md Sum
Could work.
1:36:37.920 --> 1:36:43.40
Rabihah Md Sum
You are can always take consideration of Risk in any decisions.
1:36:45.770 --> 1:36:50.720
Rabihah Md Sum
Could compare you are can ensure that your core processes your business processes.
1:36:50.930 --> 1:36:59.160
Rabihah Md Sum
Core processes is effective and efficient all the time, so core processes upper main business.
1:36:59.230 --> 1:37:6.30
Rabihah Md Sum
So color you see upper processes teaching and learning, so by two Idella core business activity.
1:37:7.470 --> 1:37:11.560
Rabihah Md Sum
So Kuala you put your organization Junto collab banking lending.
1:37:11.630 --> 1:37:12.240
Rabihah Md Sum
I don't know.
1:37:12.250 --> 1:37:13.720
Rabihah Md Sum
It's bank.
1:37:14.520 --> 1:37:14.910
Rabihah Md Sum
Game.
1:37:14.920 --> 1:37:15.790
Rabihah Md Sum
OK, set them back.
1:37:15.800 --> 1:37:19.190
Rabihah Md Sum
Is lending and borrowing typing monkeys at the bank is investment?
1:37:19.260 --> 1:37:19.920
Rabihah Md Sum
We don't know.
1:37:20.80 --> 1:37:23.270
Rabihah Md Sum
So topic based winner you could you go for your intern.
1:37:23.380 --> 1:37:23.790
Rabihah Md Sum
You can.
1:37:23.980 --> 1:37:28.640
Rabihah Md Sum
You could need to understand who you put your call processes, core business processes.
1:37:29.910 --> 1:37:31.600
Rabihah Md Sum
OK so but I'm tired.
1:37:31.610 --> 1:37:35.560
Rabihah Md Sum
You see, I will call this call processes.
1:37:35.690 --> 1:37:44.70
Rabihah Md Sum
I'd like teaching and learning so Apple processes about teaching and learning too, but after run, burn
after burn.
1:37:44.630 --> 1:37:55.210
Rabihah Md Sum
Subject policja graduation processes examining your processes into so modules Adela, Coprocesses,
Bawa core business activity.
1:37:57.100 --> 1:38:1.470
Rabihah Md Sum
OK, so you you need, I am at your money that need the meat apply and achieve.
1:38:3.550 --> 1:38:5.320
Rabihah Md Sum
OK, then we dance.
1:38:5.330 --> 1:38:25.150
Rabihah Md Sum
So Upper Yank it up, puts for mismanagement, Adela less disruption to normal efficient operation,
reduction of uncertainty, improve decisions in sebenarnya in overall risk management is about improve
organizational decision making.
1:38:27.190 --> 1:38:27.460
Rabihah Md Sum
OK.
1:38:28.930 --> 1:38:32.300
Rabihah Md Sum
So can I risk management in important?
1:38:32.310 --> 1:38:39.70
Rabihah Md Sum
OK, now can you check out my second upper resonation importance, but upper this management so
orante here and phone.
1:38:39.320 --> 1:38:47.730
Rabihah Md Sum
The topic select pass Belaku Global financial crisis, Belaku high profile corporate failure comedian.
1:38:48.40 --> 1:38:49.230
Rabihah Md Sum
Because of that, yeah.
1:38:49.240 --> 1:38:59.330
Rabihah Md Sum
Stakeholders that making noises this that we can be saying, it's about financial crisis, corporate failure,
their company bankrupt and all that.
1:38:59.460 --> 1:39:6.940
Rabihah Md Sum
So your the stakeholders starts making noises, there's that busy missing, so they want risk management.
1:39:6.950 --> 1:39:7.330
Rabihah Md Sum
They won't.
1:39:7.340 --> 1:39:10.590
Rabihah Md Sum
They they cut the OHS, we need to better manage the company.
1:39:10.860 --> 1:39:13.260
Rabihah Md Sum
So it too late in risk management.
1:39:14.630 --> 1:39:16.330
Rabihah Md Sum
OK, so why do Latin Boyz?
1:39:16.520 --> 1:39:18.270
Rabihah Md Sum
Yeah, Andy, my note, you manage.
1:39:18.320 --> 1:39:21.670
Rabihah Md Sum
Now we can really double, Aku Baru, that manage.
1:39:22.820 --> 1:39:26.770
Rabihah Md Sum
OK, Kitana, you will predict what can happen in the future.
1:39:26.960 --> 1:39:31.850
Rabihah Md Sum
Then you saying that you manage it Sakara, it will apply a stakeholder.
1:39:33.670 --> 1:39:34.0
Rabihah Md Sum
OK.
1:39:34.10 --> 1:39:37.980
Rabihah Md Sum
So Bob, did company bankrupt this bank goes bankrupt.
1:39:37.990 --> 1:39:39.770
Rabihah Md Sum
This insurance company goes bankrupt.
1:39:39.780 --> 1:39:41.820
Rabihah Md Sum
Yeah, this big corporation goes bankrupt.
1:39:42.800 --> 1:39:53.330
Rabihah Md Sum
So the other stakeholders, stakeholder company company like in the MUSTADZA bankruptcy, they start
worrying and they got the no, we cannot do that company.
1:39:53.340 --> 1:39:54.30
Rabihah Md Sum
Yeah, you too.
1:39:54.40 --> 1:39:55.190
Rabihah Md Sum
Go somewhere bankrupt.
1:39:55.200 --> 1:39:58.580
Rabihah Md Sum
Baru, you explain to us what happened, we don't want that.
1:39:59.60 --> 1:40:0.310
Rabihah Md Sum
You manage it now.
1:40:1.550 --> 1:40:1.920
Rabihah Md Sum
Daddy.
1:40:4.350 --> 1:40:7.900
Rabihah Md Sum
OK, So what does risk management contribute?
1:40:7.910 --> 1:40:9.540
Rabihah Md Sum
So that the dual concept, yeah.
1:40:9.550 --> 1:40:10.180
Rabihah Md Sum
Components.
1:40:10.190 --> 1:40:16.40
Rabihah Md Sum
They contribute they assurance capital board of directors and also your stakeholder.
1:40:17.110 --> 1:40:21.190
Rabihah Md Sum
OK, they give these two important components of importance like a paddle.
1:40:21.520 --> 1:40:26.920
Rabihah Md Sum
Dual stakeholders are to adelabad of varieties and also by the your stakeholder.
1:40:28.80 --> 1:40:29.320
Rabihah Md Sum
OK, daddy.
1:40:31.110 --> 1:40:36.550
Rabihah Md Sum
In my made too many Ahmad Ed Idella like it and achieve kind.
1:40:36.620 --> 1:40:46.110
Rabihah Md Sum
My daddy, this risk management in and sure that achieve and Ade marker their bargy.
1:40:46.190 --> 1:40:47.980
Rabihah Md Sum
Uh, uh.
1:40:47.990 --> 1:40:49.460
Rabihah Md Sum
Yeah, assurance.
1:40:49.630 --> 1:40:52.340
Rabihah Md Sum
OK, break the design risk management.
1:40:52.350 --> 1:41:0.580
Rabihah Md Sum
According to Ahmad, Ed marker Kita but Jayla OK onto give assurance by the bought then I stakeholder
Daddy.
1:41:1.400 --> 1:41:3.810
Rabihah Md Sum
OK for example, yeah.
1:41:6.750 --> 1:41:12.740
Rabihah Md Sum
You bully appoint lost control manager on to reduce frequency on cost of accident.
1:41:12.810 --> 1:41:17.140
Rabihah Md Sum
I checkup as your activement image on toy a very good achievement.
1:41:17.690 --> 1:41:19.550
Rabihah Md Sum
You bullet, you throw checkup, that's OK.
1:41:21.60 --> 1:41:23.0
Rabihah Md Sum
They lost control manager and then Kita.
1:41:23.110 --> 1:41:33.60
Rabihah Md Sum
And if I don't like it and that reduce frequency and cost of accident, so believe me to your board of
directors and do your steak or shareholders, they are very happy.
1:41:34.0 --> 1:41:34.520
Rabihah Md Sum
OK, dear.
1:41:34.530 --> 1:41:34.810
Rabihah Md Sum
Dinner.
1:41:34.820 --> 1:41:36.770
Rabihah Md Sum
Ohh we can reduce cost of accidents.
1:41:36.780 --> 1:41:41.470
Rabihah Md Sum
We can reduce frequency of accidents or we are there some happiness?
1:41:42.400 --> 1:41:43.160
Rabihah Md Sum
OK, I don't know.
1:41:43.270 --> 1:41:46.670
Rabihah Md Sum
Let it go same OK get AKMAR reduce it.
1:41:46.860 --> 1:42:1.820
Rabihah Md Sum
Kita Boleh Kita Boleh ensure that kitaka achieve 100% MQ a compliance or of course if the punya VC
Punya Chancellor will be very happy to hear that OK at that point it got the OHS.
1:42:2.230 --> 1:42:7.860
Rabihah Md Sum
Can make sure that the students are all program I can handle.
1:42:7.910 --> 1:42:13.420
Rabihah Md Sum
I conduct 100%, I graduate and liability.
1:42:13.990 --> 1:42:16.70
Rabihah Md Sum
Sure, 100% blender package.
1:42:16.420 --> 1:42:21.330
Rabihah Md Sum
If I have this, uh, do you seem definitely students will be happy.
1:42:21.900 --> 1:42:22.640
Rabihah Md Sum
Sample students.
1:42:22.650 --> 1:42:23.440
Rabihah Md Sum
Students are worse.
1:42:23.450 --> 1:42:26.410
Rabihah Md Sum
They hold their parents will behave happy, suffer parents.
1:42:26.420 --> 1:42:44.10
Rabihah Md Sum
Parents is our stakeholder, so if you can say that in the risk management then you achieve like that and
ADENAN D EE BINTI chanto achievement young you we can stay for our risk management activity to
example.
1:42:44.300 --> 1:42:45.370
Rabihah Md Sum
OK, different.
1:42:45.380 --> 1:42:49.390
Rabihah Md Sum
You still may have different achievement and they're not happy.
1:42:51.270 --> 1:42:55.260
Rabihah Md Sum
OK, in in and ticket I can jumper next chapter. Yeah.
1:42:55.300 --> 1:42:57.490
Rabihah Md Sum
So like the process.
1:42:57.560 --> 1:42:57.990
Rabihah Md Sum
OK.
1:42:58.540 --> 1:43:6.500
Rabihah Md Sum
Risk management activities keep turning and you got to know what they do, but they match my Nur
there are the certain process that you can follow.
1:43:6.910 --> 1:43:11.140
Rabihah Md Sum
OK, there are the dual Institute risk management process.
1:43:11.510 --> 1:43:15.620
Rabihah Md Sum
So that you 1000 for our subject, that will be ISO 31,000.
1:43:16.130 --> 1:43:20.660
Rabihah Md Sum
OK, now first about ISO 31,000 is recognized worldwide.
1:43:20.890 --> 1:43:28.820
Rabihah Md Sum
They saw you internship in the future in a few semesters you will go for your internship, will go for your
work and for employment.
1:43:28.890 --> 1:43:40.610
Rabihah Md Sum
So more company, majority 99895% company in the world using isolated 1000 because it's a cup in the
oral syringe. Jackup.
1:43:41.60 --> 1:43:41.630
Rabihah Md Sum
OK.
1:43:41.670 --> 1:43:43.870
Rabihah Md Sum
So yeah, yeah, look at that.
1:43:43.880 --> 1:43:44.880
Rabihah Md Sum
We see it improper.
1:43:44.890 --> 1:43:45.570
Rabihah Md Sum
You really Google?
1:43:45.580 --> 1:43:45.760
Rabihah Md Sum
Yeah.
1:43:45.770 --> 1:43:47.360
Rabihah Md Sum
As I Rahim office.
1:43:49.330 --> 1:43:56.990
Rabihah Md Sum
OK, so I told you 1000 is being used by 95% organic companies in the world.
1:43:57.0 --> 1:44:2.130
Rabihah Md Sum
So can the complete job process ISO 31,000? The subject?
1:44:3.650 --> 1:44:7.700
Rabihah Md Sum
OK, I'll put master effective and efficient core processor study.
1:44:7.710 --> 1:44:12.770
Rabihah Md Sum
We are talking about strategic decisions, so strategic decision, need decisions.
1:44:12.780 --> 1:44:13.430
Rabihah Md Sum
Yeah.
1:44:14.210 --> 1:44:19.390
Rabihah Md Sum
What long term to use the carangan so your strategic decisions, Adela.
1:44:19.400 --> 1:44:22.850
Rabihah Md Sum
Upper you put your goal after you grab.
1:44:22.930 --> 1:44:31.580
Rabihah Md Sum
I do it until now more that way I can graduate, but that would do a, but you have to decide now when
you have to decide.
1:44:31.590 --> 1:44:35.580
Rabihah Md Sum
Now it to line up when you're strategic decisions, you know what Apple?
1:44:35.830 --> 1:44:38.250
Rabihah Md Sum
Pass you the habits, internship.
1:44:38.260 --> 1:44:38.980
Rabihah Md Sum
You do.
1:44:39.170 --> 1:44:40.200
Rabihah Md Sum
What do you want to do?
1:44:40.710 --> 1:44:42.880
Rabihah Md Sum
You're not because you're the.
1:44:42.950 --> 1:44:44.620
Rabihah Md Sum
You're not some bunker Joker.
1:44:44.830 --> 1:44:49.100
Rabihah Md Sum
You decided to get the entrepreneur, you not sample master skull.
1:44:50.730 --> 1:44:59.600
Rabihah Md Sum
Strategic decisions and it's a long term decisions then most corporation you could have it too, OK.
1:44:59.610 --> 1:45:2.240
Rabihah Md Sum
They have to think very, very far in the future.
1:45:2.250 --> 1:45:5.120
Rabihah Md Sum
Yeah, not just two years in the future.
1:45:5.470 --> 1:45:7.280
Rabihah Md Sum
They have to think 15 years.
1:45:7.290 --> 1:45:12.780
Rabihah Md Sum
Yeah, 10 years in the future, believe the laminated Pangea strategy decisions.
1:45:13.190 --> 1:45:22.840
Rabihah Md Sum
So you have to think about the risk, OK, that is the longer the time horizon like the high when you
respond again.
1:45:22.900 --> 1:45:24.620
Rabihah Md Sum
Yeah, Daddy could manage the risk.
1:45:24.720 --> 1:45:42.310
Rabihah Md Sum
So you you can use that event, but two lucky to suggest you onto include that as your achievement so
that you can achieve your strategic decisions to any risk management activity to you got the OK they can
achieve our strategic decisions.
1:45:43.50 --> 1:45:44.910
Rabihah Md Sum
They implement risk management.
1:45:46.390 --> 1:45:48.320
Rabihah Md Sum
OK, Daddy it too.
1:45:48.410 --> 1:45:58.610
Rabihah Md Sum
So for principle of Risk name there may month at the that they were very technical that I picked for
home concept there.
1:45:58.820 --> 1:45:59.410
Rabihah Md Sum
Why?
1:45:59.460 --> 1:46:2.550
Rabihah Md Sum
It's about my boy getting that but risk management.
1:46:2.560 --> 1:46:6.260
Rabihah Md Sum
So I believe that Boris management, you can just testify 2 things.
1:46:6.870 --> 1:46:9.420
Rabihah Md Sum
What the activity should be activity?
1:46:9.430 --> 1:46:10.200
Rabihah Md Sum
Not too much. My.
1:46:10.210 --> 1:46:10.600
Rabihah Md Sum
No.
1:46:10.790 --> 1:46:11.560
Rabihah Md Sum
Then could work.
1:46:11.890 --> 1:46:14.160
Rabihah Md Sum
What it should achieve in achieve Apple.
1:46:15.340 --> 1:46:15.900
Rabihah Md Sum
OK.
1:46:16.120 --> 1:46:29.80
Rabihah Md Sum
So you welcome to, I want to activity to activity approach PACDPACED kala onto achievement
unachievable.
1:46:29.360 --> 1:46:32.740
Rabihah Md Sum
Look at the bully Gunicorn set my maid too.
1:46:32.980 --> 1:46:33.520
Rabihah Md Sum
OK.
1:46:33.580 --> 1:46:37.190
Rabihah Md Sum
And a DE2 belladonna concept to approach it too.
1:46:38.170 --> 1:46:38.520
Rabihah Md Sum
OK.
1:46:39.630 --> 1:46:41.560
Rabihah Md Sum
You can apply to your organization.
1:46:43.170 --> 1:46:50.960
Rabihah Md Sum
OK, you can apply knowledge that he took a paddle, you punya organizing what you can apply that
knowledge. OK.
1:46:52.180 --> 1:46:56.940
Rabihah Md Sum
Organization to you you not to and ohh it has to be.
1:46:58.910 --> 1:47:0.950
Rabihah Md Sum
Gen Toyota, OK.
1:47:3.190 --> 1:47:3.480
Rabihah Md Sum
I did.
1:47:3.940 --> 1:47:7.40
Rabihah Md Sum
You send that to me again. Ah.
1:47:9.140 --> 1:47:12.820
Rabihah Md Sum
Uh, OK, gentle uh, why not to lose the?
1:47:12.910 --> 1:47:15.290
Rabihah Md Sum
And you could ask to raise management.
1:47:15.740 --> 1:47:21.390
Rabihah Md Sum
One mandatory obligation placed on the organization in the ADILAH the concept.
1:47:23.270 --> 1:47:33.460
Rabihah Md Sum
So you organization to upload, you put your mandatory obligation, eat too much application, OK, how do
you apply this to your organization?
1:47:33.470 --> 1:47:37.930
Rabihah Md Sum
So Carlos are here, how do I apply these two SIM so so I can get there.
1:47:38.490 --> 1:47:56.160
Rabihah Md Sum
OK, man, increase at the 100%, uh, a GIF mind of kept MIQDAD obligation for every bachelor program in
USIM Itonia application.
1:47:57.690 --> 1:47:59.640
Rabihah Md Sum
Get up to Sabah.
1:47:59.970 --> 1:48:4.480
Rabihah Md Sum
The concept says mandatory obligation placed on the organization.
1:48:4.570 --> 1:48:34.880
Rabihah Md Sum
So we say what they got you say I second Italo Apple mandatory obligation same Salazar 2 Abdullah
Masti the pipe glucoside and QA into setiap program will come bachelors masters put Mohd put uh the
idea is I believe and it's not uh a deaf man of MIQDAD compliance for all program bachelor Masters and
PhD Baru.
1:48:36.260 --> 1:48:39.150
Rabihah Md Sum
Application that it do this and I don't know.
1:48:40.940 --> 1:48:43.130
Rabihah Md Sum
Onto application.
1:48:43.140 --> 1:48:52.740
Rabihah Md Sum
Not what can add the knowledge that the last SITI the knowledge me knowledge my daddy made me
said that the college made Toni.
1:48:53.980 --> 1:48:55.660
Rabihah Md Sum
I said I don't know what.
1:48:56.290 --> 1:49:0.320
Rabihah Md Sum
Can you say now what that that, that copy and support to achieve?
1:49:0.570 --> 1:49:2.440
Rabihah Md Sum
I don't know why I should achieve.
1:49:2.710 --> 1:49:4.60
Rabihah Md Sum
Why did I did not know?
1:49:4.70 --> 1:49:5.440
Rabihah Md Sum
Because I do not have knowledge.
1:49:6.520 --> 1:49:7.510
Rabihah Md Sum
Ah OK.
1:49:7.560 --> 1:49:10.610
Rabihah Md Sum
So in a Pakistan, alright, so siblings, are you OK?
1:49:10.620 --> 1:49:12.60
Rabihah Md Sum
The balloon here.
1:49:13.800 --> 1:49:17.410
Rabihah Md Sum
OK, with the pinky, we will have our tutorial.
1:49:17.420 --> 1:49:25.90
Rabihah Md Sum
We have tutorial my style of tutorial ADILAH you have to present your answers in the class.
1:49:25.500 --> 1:49:32.410
Rabihah Md Sum
OK, so that the schema Japan you do you present your your pack in the class?
1:49:32.420 --> 1:49:37.60
Rabihah Md Sum
OK, then I will correct it if you are wrong.
1:49:37.970 --> 1:49:38.460
Rabihah Md Sum
OK.
1:49:38.470 --> 1:49:40.680
Rabihah Md Sum
So it's an interactive class.
1:49:40.690 --> 1:49:42.900
Rabihah Md Sum
Is an interactive tutorial class.
1:49:42.990 --> 1:49:43.430
Rabihah Md Sum
I would.
1:49:43.490 --> 1:49:49.490
Rabihah Md Sum
I did not prepare any S game on my part, so I thought they just fine on my pipe.
1:49:49.790 --> 1:49:57.160
Rabihah Md Sum
What I what I will do is you will present your answers and I will comment on your answers.
1:49:58.10 --> 1:50:0.260
Rabihah Md Sum
So it's an interactive learning set.
1:50:1.310 --> 1:50:5.970
Rabihah Md Sum
So, but our lecture is already one week data Pitchay but.
1:50:8.130 --> 1:50:8.560
Rabihah Md Sum
OK.
1:50:8.570 --> 1:50:10.680
Rabihah Md Sum
In and I have two hours every time.
1:50:10.750 --> 1:50:11.640
Rabihah Md Sum
Daddy is OK.
1:50:11.650 --> 1:50:19.710
Rabihah Md Sum
I don't mind there is a one way communication but to tutorial no it has to be an interactive you present.
1:50:20.520 --> 1:50:26.350
Rabihah Md Sum
I comment on your answers so we learn that from that.
1:50:26.460 --> 1:50:36.280
Rabihah Md Sum
OK, we learn from that two ways of communication that would be a tutorial style E Cambodian, another
one ADILAH.
1:50:36.290 --> 1:50:47.510
Rabihah Md Sum
If you FAUZI looking at Jacob for your risk management, OK, the textbook too textbook into umm, young
from Paul Hopkins.
1:50:47.560 --> 1:50:52.400
Rabihah Md Sum
Either the library, but I will also upload yeah.
1:50:52.450 --> 1:50:57.80
Rabihah Md Sum
Chapters about Syed at the SAIDAH chapters there.
1:50:57.570 --> 1:50:58.760
Rabihah Md Sum
I don't have the whole book.
1:50:59.170 --> 1:51:0.620
Rabihah Md Sum
OK, I have certain chapters.
1:51:2.710 --> 1:51:4.210
Rabihah Md Sum
That I can upload?
1:51:4.340 --> 1:51:6.970
Rabihah Md Sum
Umm, could that could ghost?
1:51:6.980 --> 1:51:7.370
Rabihah Md Sum
Yeah.
1:51:7.410 --> 1:51:12.110
Rabihah Md Sum
So if you want to see the book, you can go to the library and look at the book and borrow and so on.
1:51:12.120 --> 1:51:18.30
Rabihah Md Sum
But for your convenience I upload you got sick and chapter, OK.
1:51:18.240 --> 1:51:18.770
Rabihah Md Sum
And chapters.
1:51:18.780 --> 1:51:19.420
Rabihah Md Sum
Yeah, I can.
1:51:20.550 --> 1:51:21.800
Rabihah Md Sum
A young sorry I do.
1:51:22.30 --> 1:51:29.240
Rabihah Md Sum
I will upload into goals, OK and then you will see that I'm dialam costs outline, sorry.
1:51:29.250 --> 1:51:36.980
Rabihah Md Sum
Cost teaching planning 2 there's a book written by me, I said can I risk management and risk
management decision making?
1:51:37.90 --> 1:51:46.750
Rabihah Md Sum
I really encourage you to buy Sebab Dalam chapter chapter, chapter Chapter Eagle.
1:51:47.0 --> 1:51:51.130
Rabihah Md Sum
There is a comprehensive explanation on ISO.
1:51:51.140 --> 1:51:54.30
Rabihah Md Sum
The 1000 can Apple Comprehensive?
1:51:54.40 --> 1:51:54.370
Rabihah Md Sum
Yeah.
1:51:54.420 --> 1:51:57.930
Rabihah Md Sum
The book was also intended blacklist bookie 2.
1:51:57.940 --> 1:51:59.720
Rabihah Md Sum
I was also intended for practitioners.
1:52:1.60 --> 1:52:3.490
Rabihah Md Sum
OK, Jedi Saynab practitioners.
1:52:3.500 --> 1:52:4.380
Rabihah Md Sum
Tucker ballygunner.
1:52:5.190 --> 1:52:7.750
Rabihah Md Sum
Yeah, very comprehensive.
1:52:7.860 --> 1:52:10.90
Rabihah Md Sum
Uh Tapi is a good reading for you.
1:52:10.100 --> 1:52:17.410
Rabihah Md Sum
And you gunna that chapters for our topic tiger.
1:52:17.510 --> 1:52:19.370
Rabihah Md Sum
OK, topic bigger topic.
1:52:20.280 --> 1:52:23.950
Rabihah Md Sum
Somebody said you guys techniques, techniques, much money you not.
1:52:23.960 --> 1:52:27.10
Rabihah Md Sum
Why risk assessment sending about risk analysis?
1:52:27.80 --> 1:52:43.120
Rabihah Md Sum
Are there techniques young quantitative other techniques and qualitative Jonathan risk metrics and risk
metrics are the same as plain very detail in my book and risk metrics is a very famous techniques being
used by practitioners.
1:52:43.920 --> 1:52:55.730
Rabihah Md Sum
Uh, in the corporation it is about two last .2 lists in details about, as I said, just now, my aim is not just for
students, and my aim is that practitioners can also read that book.
1:52:55.840 --> 1:52:57.390
Rabihah Md Sum
So that book is available.
1:52:57.400 --> 1:53:6.40
Rabihah Md Sum
The Booku book that Boko you seem, uh, that I make a gotta show people and I do.
1:53:6.230 --> 1:53:8.110
Rabihah Md Sum
I thought ohh so you try.
1:53:8.270 --> 1:53:9.530
Rabihah Md Sum
It seems like we seem juggle.
1:53:9.670 --> 1:53:11.710
Rabihah Md Sum
Yeah, bukola, look at your peer.
1:53:11.780 --> 1:53:13.430
Rabihah Md Sum
So I guess I did today.
1:53:13.440 --> 1:53:16.550
Rabihah Md Sum
I did my book seem like I need to think I should be too.
1:53:16.560 --> 1:53:18.370
Rabihah Md Sum
I I put that I put that check.
1:53:19.560 --> 1:53:22.370
Rabihah Md Sum
And get the PSA shop same.
1:53:22.840 --> 1:53:24.290
Rabihah Md Sum
OK, I can buy there.
1:53:24.300 --> 1:53:27.310
Rabihah Md Sum
You can buy online as well through their website.
1:53:27.790 --> 1:53:30.210
Rabihah Md Sum
I really encourage issue to have that book.
1:53:30.220 --> 1:53:32.640
Rabihah Md Sum
Yeah, because it's easier.
1:53:33.590 --> 1:53:35.120
Rabihah Md Sum
Uh, uh.
1:53:35.160 --> 1:53:37.650
Rabihah Md Sum
And so you might say, but but I.
1:53:37.990 --> 1:53:41.440
Rabihah Md Sum
But the YUSLI at the smooth then OK.
1:53:41.580 --> 1:53:46.390
Rabihah Md Sum
So I'm pitching my teaching my students, so the approach is the same. Same way.
1:53:46.500 --> 1:53:47.900
Rabihah Md Sum
OK, there is slide.
1:53:47.910 --> 1:53:52.790
Rabihah Md Sum
The nine then appear from Adela to send.
1:53:53.490 --> 1:53:55.580
Rabihah Md Sum
You forgot the flow to.
1:53:55.650 --> 1:54:1.300
Rabihah Md Sum
Is a very nice flow OK to you for some kind of Risk Management, don't you, girl?
1:54:1.310 --> 1:54:2.960
Rabihah Md Sum
Risk management decision making.
1:54:2.970 --> 1:54:7.110
Rabihah Md Sum
So, but I support that overall there is not.
1:54:7.120 --> 1:54:16.620
Rabihah Md Sum
Improve decision making and so in that book side you can explain what does it mean by this decision
making in risk management.
1:54:17.660 --> 1:54:23.100
Rabihah Md Sum
The basic coding and decision making own to be done.
1:54:23.760 --> 1:54:30.750
Rabihah Md Sum
Umm, we don't leadership be done economic, we don't finance cases different.
1:54:30.840 --> 1:54:31.950
Rabihah Md Sum
It is different.
1:54:31.960 --> 1:54:34.730
Rabihah Md Sum
It's different based, so you want to know what's the difference.
1:54:34.740 --> 1:54:36.630
Rabihah Md Sum
You can buy my book alright?
1:54:36.700 --> 1:54:38.450
Rabihah Md Sum
So Sai, stop this evening.
1:54:39.460 --> 1:54:48.890
Rabihah Md Sum
OK, so kita jumpa minggu hadapan a bit busy pioneer for tutorial as well As for lecture.
1:54:49.230 --> 1:54:49.520
Rabihah Md Sum
OK.
1:54:49.530 --> 1:54:50.970
Rabihah Md Sum
That's all from me today.
1:54:51.320 --> 1:54:55.590
Rabihah Md Sum
So the communicate Willie WhatsApp at the phone, I said at the phone.
1:54:55.600 --> 1:54:56.110
Rabihah Md Sum
You not.
1:54:57.60 --> 1:55:6.220
Rabihah Md Sum
Punjab, you communicate the card forum like if your question is very and when we look and critical
thinking that post the forum what my.
1:55:8.20 --> 1:55:9.330
Rabihah Md Sum
Discuss. Right.
1:55:9.340 --> 1:55:13.500
Rabihah Md Sum
So because I AISYAH shall not be good jumper. Like.
1:55:13.670 --> 1:55:14.150
Rabihah Md Sum
OK.
1:55:14.160 --> 1:55:16.910
Rabihah Md Sum
Thank you everybody for being here this morning.
1:55:17.90 --> 1:55:19.670
Rabihah Md Sum
OK, if you suggest so I go.
1:55:22.690 --> 1:55:23.490
WAN MUHAMMAD YUSUF BIN WAN AMINUDDIN
So I don't think you.
1:55:22.910 --> 1:55:23.980
ALEA BINTI JEFFERIZAN
Welcome Salam.
1:55:23.870 --> 1:55:24.160
Muhammad Khairul Hazeeq bin Ibrahim 9201157
What's that?
1:55:23.600 --> 1:55:25.150
MOHAMMAD AZIMUDDIN BIN MAZUHA
Did you like the thank you?
1:55:25.500 --> 1:55:26.480
MUHAMMAD RIDHWAN AFIFF BIN ASMADI
Thank you to.
1:55:26.60 --> 1:55:26.510
TUAN NURUL AFINI ATHIRAH BINTI TUAN MOHD PAUZI
Thank you.
1:55:25.860 --> 1:55:26.760
Rabihah Md Sum
OK. Thank.
1:55:26.520 --> 1:55:26.900
TUAN NURUL AFINI ATHIRAH BINTI TUAN MOHD PAUZI
That's a.
1:55:27.820 --> 1:55:28.430
MUHAMMAD HAIKAL BIN MUHAMMAD KHAIRUDDIN
How you doing?
1:55:26.870 --> 1:55:28.740
Muhammad Khairul Hazeeq bin Ibrahim 9201157
You that OK?
1:55:28.120 --> 1:55:28.760
NUR WARDINA SOFEA BINTI AZMAN
Thank you, doctor.
1:55:28.440 --> 1:55:28.870
MUHAMMAD HAIKAL BIN MUHAMMAD KHAIRUDDIN
Good at 10.
1:55:28.750 --> 1:55:29.220
Rabihah Md Sum
Like a.
1:55:29.40 --> 1:55:29.610
MUHAMMAD FIDAIY BIN RIZA HADAFI
Some of the.
1:55:29.960 --> 1:55:30.700
NUR FARAH ALIA BINTI ZAKARIA
Thank you, doctor.
1:55:30.300 --> 1:55:31.160
NUR FARAHANA HUSNA BINTI BADRUL ISHAM
Thank that's wrong.
1:55:30.830 --> 1:55:31.200
SHARIFAH NAJIHAH BINTI SYED ISHAR
Are they?
1:55:31.700 --> 1:55:32.330
MUHAMMAD FIDAIY BIN RIZA HADAFI
You know the.
1:55:32.40 --> 1:55:32.390
ALIYA MAISARAH BINTI AZMAN
Thank you.
1:55:32.400 --> 1:55:32.850
ALIYA MAISARAH BINTI AZMAN
Don't the.
1:55:33.340 --> 1:55:33.840
MOHAMAD WAZIF BIN MOHAMAD SHAHUDDIN
It get it there.
1:55:32.80 --> 1:55:33.980
Rabihah Md Sum
OK, what happened, buddy? OK.
2:6:26.120 --> 2:6:26.810
AHMAD LUTFI BIN ALIAS
Look, we don't.
2:6:27.0 --> 2:6:27.840
AHMAD LUTFI BIN ALIAS
Well, but this morning.
2:6:30.40 --> 2:6:33.430
AHMAD LUTFI BIN ALIAS
Let ADABIAH I said that I like what?
2:6:34.910 --> 2:6:38.430
AHMAD LUTFI BIN ALIAS
Oh, that was the incident.
2:6:42.590 --> 2:6:48.570
AHMAD LUTFI BIN ALIAS
I think as you as you guys you it's really then I grew up good.
2:6:54.300 --> 2:6:55.330
AHMAD LUTFI BIN ALIAS
For the record, do you do?
2:6:55.390 --> 2:6:56.330
AHMAD LUTFI BIN ALIAS
Is that because you?