{"id":5284,"date":"2021-06-01T18:30:12","date_gmt":"2021-06-01T11:30:12","guid":{"rendered":"https:\/\/abttravel.id\/?page_id=5284"},"modified":"2021-06-01T18:30:12","modified_gmt":"2021-06-01T11:30:12","slug":"kebijakan-manajemen-risiko","status":"publish","type":"page","link":"https:\/\/abttravel.id\/id\/kebijakan-manajemen-risiko\/","title":{"rendered":"Kebijakan Manajemen Risiko"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"5284\" class=\"elementor elementor-5284\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bc27027 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bc27027\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7f38e0a8\" data-id=\"7f38e0a8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d7a72fb elementor-widget elementor-widget-heading\" data-id=\"d7a72fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Tata Kelola Perusahaan<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d646a00 elementor-widget elementor-widget-heading\" data-id=\"2d646a00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kebijakan Manajemen Risiko<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-97a80bb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"97a80bb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b030790\" data-id=\"b030790\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3773aa2 elementor-widget elementor-widget-heading\" data-id=\"3773aa2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-medium\">KEBIJAKAN MANAJEMEN RISIKO<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f7589d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6f7589d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5b111480 elementor-section-content-top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5b111480\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-40653e28\" data-id=\"40653e28\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-944eeb8 elementor-widget elementor-widget-text-editor\" data-id=\"944eeb8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: justify; mso-layout-grid-align: none; text-autospace: none;\"><span lang=\"EN-ID\">Dalam menjalankan kegiatan usahanya, ABT Travel tidak terlepas dari berbagai macam risiko yang dapat<\/span> <span lang=\"EN-ID\">mempengaruhi kinerja usaha<\/span>. <span lang=\"EN-ID\">Risiko usaha dan risiko umum berikut ini merupakan risiko-risiko yang<\/span> <span lang=\"EN-ID\">material bagi ABT Travel. Risiko tersebut telah disusun berdasarkan pembobotan risiko yang memberikan dampak<\/span> <span lang=\"EN-ID\">paling besar hingga dampak paling kecil terhadap kinerja<\/span> <span lang=\"EN-ID\">usaha dan kinerja keuangan ABT Travel<\/span>. <span lang=\"EN-ID\">Untuk meminimalisasi risiko-risiko tersebut, Perseroan melakukan<\/span> <span lang=\"EN-ID\">manajemen risiko antara lain:<\/span><\/p>\n<p><strong>Risiko Utama Yang Mempunyai Pengaruh Signifikan Terhadap Kelangsungan<\/strong> <strong>Kegiatan Usaha ABT Travel<\/strong><\/p>\n<ul>\n<li><span style=\"font-size: 16px; font-style: normal; font-weight: bold; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif;\">Risiko Kebijakan Pemerintah<br><\/span>Untuk memitigasi risiko perubahan kebijakan pemerintah, maka perseroan berusaha untuk aktif di asosiasi-asosiasi yang merupakan partner pemerintah, untuk menyuarakan perihal dialog dengan asosiasi sebelum kebijakan diterapkan. Sehingga ABT Travel bisa mendapatkan informasi lebih awal yang dapat mengurangi risiko usaha yang lebih besar. Selain itu perseroan menargetkan bahwa pasar sewa kamar hotel untuk Madinah dan Mekah tidak hanya untuk warga negara Indonesia. Namun mencakup juga pasar luar Indonesia, seperti Malaysia, Thailand, Philipine, Pakistan, Bangladesh, India, Australia, New Zealand, dan negara-negara dimana penduduknya ada yang beragama Islam.\n<p>Terkecuali kebijakan pemerintah (baik pemerintah Republik Indonesia atau Arab Saudi) yang bersifat luar biasa seperti pemutusan hubungan diplomatik, perang, pandemi dan sejenisnya, maka tidak ada kebijakan pemerintah yang berdampak langsung kepada kegiatan usaha dan investasi Perseroan. Sedangkan kebijakan pemerintah dan institusi lainnya dalam bidang fiskal, moneter, ekonomi publik, dan politik yang berdampak tidak langsung terhadap kegiatan usaha dan investasi Perseroan:<\/p>\n<\/li>\n<\/ul>\n<ul>\n<li><strong>Risiko Persaingan Usaha<br><\/strong>Pembuatan kontrak berjangka 5 sampai 10 merupakan salah satu strategi yang diterapkan untuk mengantisipasi risiko tersebut terutama untuk hotel yang berdekatan dengan Masjidil Haram di Mekah dan Masjid Nabawi di Medinah. Selain itu strategi negosiasi harga kontrak dan pendekatan budaya lokal Arab Saudi pun akan diterapkan. Seperti negosiasi dengan pemilik Hotel dilakukan oleh orang yang sudah lama tinggal di Mekah dan Madinah (paham Bahasa setempat dan budayanya).<\/li>\n<\/ul>\n<p><strong>Risiko Terkait Bisnis<\/strong><\/p>\n<ul>\n<li><strong>Risiko Sumber Daya Manusia<br><\/strong>Dalam memitigasi risiko tersebut, terdapat beberapa hal yang dilakukan oleh Perseroan. Untuk risiko kekurangan ataupun kehilangan SDM dengan keahlian di bidang teknologi informasi, Perseroan membangun infrastruktur teknologi yang memiliki beberapa modul yang terpisah serta memberikan pengelolaan masing-masing modul ke karyawan yang berbeda. Sehingga apabila terdapat karyawan yang mengundurkan diri, tidak akan berpengaruh terhadap sistem Perseroan secara keseluruhan. Selain itu Perseroan juga memberikan penghargaan dan fasilitas yang relatif bersaing untuk mencegah <em style=\"font-size: 16px;\">turnover <\/em><span style=\"font-size: 16px;\">karyawan yang tinggi. Sedangkan untuk risiko kualitas SDM yang tidak sesuai dengan standar yang ditetapkan oleh Perseroan, terutama <\/span><em style=\"font-size: 16px;\">travel assistant<\/em><span style=\"font-size: 16px;\">, Perseroan senantiasa meminta <\/span><em style=\"font-size: 16px;\">feedback <\/em><span style=\"font-size: 16px;\">dari konsumen dan memberikan insentif bagi <\/span><em style=\"font-size: 16px;\">travel assistant <\/em><span style=\"font-size: 16px;\">untuk selalu meningkatkan kualitas layanan maupun kemampuan lainnya.<\/span><\/li>\n<\/ul>\n<ul>\n<li><strong>Risiko Reputasi Mitra Bisnis<br><\/strong>Untuk memitigasi risiko ini, Perseroan berusaha untuk selalu memilih mitra dengan rekam jejak yang baik. Selain itu Perseroan juga melakukan edukasi baik secara langsung maupun secara <em style=\"font-size: 16px;\">online<\/em><span style=\"font-size: 16px;\"> kepada para mitra bisnis untuk selalu menjaga reputasi mitra dimana hal tersebut juga akan berdampak pada perkembangan bisnis dari mitra sendiri.<\/span><\/li>\n<\/ul>\n<ul>\n<li><strong>Risiko Nilai Tukar<br><\/strong>Risiko nilai tukar kerap terjadi pada perusahaan-perusahaan pengelola ibadah umrah dimana transaksi-transaksi yang berkaitan dengan kegiatan penyelenggaraan ibadah umroh dilakukan dalam tiga mata uang berbeda yaitu Rupiah (Rp), Dollar Amerika (USD), dan Saudi Arabian Real (SAR). Untuk memitigasi risiko tersebut, Perseroan melakukan <em style=\"font-size: 16px;\">hedging.<\/em><\/li>\n<\/ul>\n<ul>\n<li><strong>Risiko Pembatalan Kontrak<br><\/strong>Terjadinya penawaran harga kontrak yang lebih dari pesaing perusahaan kepada pemilik Hotel yang dikontrak oleh Perseroan merupakan salah satu penyebab utama risiko ini. Selain itu, terjadi juga pembatalan mendadak oleh pihak pemesan tiket saat setelah dilakukan pemasukan nama (<em style=\"font-size: 16px;\">Insert<\/em> <em style=\"font-size: 16px;\">Name<\/em><span style=\"font-size: 16px;\">) yang mengakibatkan tiket tidak bisa di <\/span><em style=\"font-size: 16px;\">refund<\/em><em style=\"font-size: 16px;\">.<\/em><span style=\"font-size: 16px;\"><span style=\"font-size: 16px;\"> Untuk memitigasi risiko tersebut, Perseroan membuat kontrak untuk jangka menengah dan panjang dimana setahun sebelum kontrak selesai perusahaan dapat memperpanjang kontrak secara otomatis. Untuk menjaga hubungan baik, Perseroan membuat aturan\/kebijakan terkait pembatalan pesanan oleh pemesan dimana pemesan menanggung 100% nilai tiket.<\/span><\/span><\/li><\/ul>\n<p><strong>Risiko Umum<\/strong><\/p>\n<ul>\n<li><strong>Risiko Likuiditas<br><\/strong>Untuk memicu tempo pembayaran lebih cepat dari pelanggan maka perusahaan akan menerapkan strategi diskon harga. Semisal, pelanggan diperbolehkan untuk dapat memesan kamar hotel lebih dengan harga yang lebih murah namun akan diberikan opsi dengan tempo pembayaran yang di awal juga sehingga akan memperbaiki masa konversi piutang usaha. Selain itu melakukan strategi negosiasi dengan vendor agar memberikan tempo yang lebih Panjang, termasuk juga mengadakan lebih dari satu supplier.<\/li>\n<\/ul>\n<ul>\n<li><strong>Risiko Fluktuasi Mata Uang<br><\/strong>Salah satu mitigasi yang akan diterapkan perusahaan adalah dengan melakukan lindung nilai atau <em style=\"font-size: 16px;\">hedging <\/em><span style=\"font-size: 16px;\">untuk transaksi dalam mata uang asing. Walaupun tingkat inflasi dan PCI (<\/span><em style=\"font-size: 16px;\">Price<\/em> <em style=\"font-size: 16px;\">Consumption Index) <\/em><span style=\"font-size: 16px;\">Arab Saudi relatif stabil.<\/span><\/li>\n<\/ul>\n<ul>\n<li><strong>Risiko Pemutusan Hubungan Kontrak<br><\/strong>Di dalam kontrak harus menyebutkan bahwa pemutusan kontrak kerja yang terjadi apabila bersifat menyeluruh yang dapat membuat tidak tercapainya proyeksi pendapatan yang telah dibuat Perseroan sebelumnya dan dapat berakibat terganggunya bisnis terutama dalam Sewa Hotel (<em style=\"font-size: 16px;\">Full<\/em> <em style=\"font-size: 16px;\">Rental Hotel<\/em><span style=\"font-size: 16px;\">) dan <\/span><em style=\"font-size: 16px;\">room hotel allotment<\/em><span style=\"font-size: 16px;\">.<\/span><\/li>\n<\/ul>\n<ul>\n<li><strong>Risiko Pemogokan Karyawan<br><\/strong>Perseroan berkomitment tinggi untuk mengikuti aturan ketenagakerjaan yang berlaku termasuk memberikan tambahan intensif kepada karyawan seperti bonus tahunan di luar remunerasi atau kompensasi bulanan.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f99c466 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f99c466\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b73dc05\" data-id=\"b73dc05\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c188711 elementor-widget elementor-widget-template\" data-id=\"c188711\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"2737\" class=\"elementor elementor-2737\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-26ee254b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"26ee254b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-379a7e3\" data-id=\"379a7e3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-49d7aa58 elementor-widget elementor-widget-heading\" data-id=\"49d7aa58\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-medium\">LAYANAN KAMI<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e675023 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e675023\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5b222861 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5b222861\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-custom\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-6e8485d4\" data-id=\"6e8485d4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eb1bf6a elementor-widget elementor-widget-image\" data-id=\"eb1bf6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/abttravel.id\/hotel\/\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/a8b5bcf01efa0072a8bc33bc014f06ad.jpg\" class=\"elementor-animation-float attachment-full size-full wp-image-2350\" alt=\"Hotel\" srcset=\"https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/a8b5bcf01efa0072a8bc33bc014f06ad.jpg 1024w, https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/a8b5bcf01efa0072a8bc33bc014f06ad-300x200.jpg 300w, https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/a8b5bcf01efa0072a8bc33bc014f06ad-768x512.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ff055b7 elementor-widget elementor-widget-heading\" data-id=\"5ff055b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-medium\"><a href=\"https:\/\/abttravel.id\/hotel\/\">Kamar Hotel<\/a><\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d2629ad elementor-widget elementor-widget-text-editor\" data-id=\"3d2629ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Kamar hotel di Kota Mekah dan Madinah untuk memenuhi segala kebutuhan jama&#8217;ah umrah dan haji selama berada di Tanah Suci.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-64764de6\" data-id=\"64764de6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2ea66541 elementor-widget elementor-widget-image\" data-id=\"2ea66541\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/abttravel.id\/land-arrangement-umrah-haji\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1600\" height=\"1200\" src=\"https:\/\/abttravel.id\/wp-content\/uploads\/2022\/01\/Umrah-25-Jan-2022-JUC-ABT-Travel-2.jpg\" class=\"elementor-animation-float attachment-full size-full wp-image-5963\" alt=\"\" srcset=\"https:\/\/abttravel.id\/wp-content\/uploads\/2022\/01\/Umrah-25-Jan-2022-JUC-ABT-Travel-2.jpg 1600w, https:\/\/abttravel.id\/wp-content\/uploads\/2022\/01\/Umrah-25-Jan-2022-JUC-ABT-Travel-2-300x225.jpg 300w, https:\/\/abttravel.id\/wp-content\/uploads\/2022\/01\/Umrah-25-Jan-2022-JUC-ABT-Travel-2-1024x768.jpg 1024w, https:\/\/abttravel.id\/wp-content\/uploads\/2022\/01\/Umrah-25-Jan-2022-JUC-ABT-Travel-2-768x576.jpg 768w, https:\/\/abttravel.id\/wp-content\/uploads\/2022\/01\/Umrah-25-Jan-2022-JUC-ABT-Travel-2-1536x1152.jpg 1536w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2cebf4c8 elementor-widget elementor-widget-heading\" data-id=\"2cebf4c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-medium\"><a href=\"https:\/\/abttravel.id\/land-arrangement-umrah-haji\/\">Land Arrangement Umrah &amp; Haji<\/a><\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-117ca677 elementor-widget elementor-widget-text-editor\" data-id=\"117ca677\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Melayani segala keperluan handling, guide\/muthawif serta, moda trasportasi untuk keperluan jama&#8217;ah bagi para penyelenggara ibadah umrah dan haji.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-787ae4e0\" data-id=\"787ae4e0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4cc7508b elementor-widget elementor-widget-image\" data-id=\"4cc7508b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/abttravel.id\/tiket-pesawat\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1365\" height=\"500\" src=\"https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/garuda-indonesia.jpg\" class=\"elementor-animation-float attachment-full size-full wp-image-3200\" alt=\"\" srcset=\"https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/garuda-indonesia.jpg 1365w, https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/garuda-indonesia-300x110.jpg 300w, https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/garuda-indonesia-1024x375.jpg 1024w, https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/garuda-indonesia-768x281.jpg 768w\" sizes=\"(max-width: 1365px) 100vw, 1365px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d6f520d elementor-widget elementor-widget-heading\" data-id=\"7d6f520d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-medium\"><a href=\"https:\/\/abttravel.id\/tiket-pesawat\/\">Tiket Pesawat<\/a><\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1968c8f4 elementor-widget elementor-widget-text-editor\" data-id=\"1968c8f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Pemesanan tiket grup pesawat lebih mudah dan tentunya murah melalui layanan Kami.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bb81e82 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bb81e82\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b305eb2\" data-id=\"b305eb2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d2c035b elementor-widget elementor-widget-template\" data-id=\"d2c035b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"3242\" class=\"elementor elementor-3242\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-d91233a e-flex e-con-boxed e-con e-parent\" data-id=\"d91233a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-55c1c8e e-con-full e-flex e-con e-child\" data-id=\"55c1c8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c1e7c58 elementor-skin-carousel elementor-widget elementor-widget-media-carousel\" data-id=\"c1e7c58\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_per_view&quot;:&quot;7&quot;,&quot;slides_per_view_tablet&quot;:&quot;7&quot;,&quot;slides_per_view_mobile&quot;:&quot;4&quot;,&quot;space_between_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:5,&quot;sizes&quot;:[]},&quot;speed&quot;:200,&quot;autoplay_speed&quot;:2000,&quot;lazyload&quot;:&quot;yes&quot;,&quot;skin&quot;:&quot;carousel&quot;,&quot;effect&quot;:&quot;slide&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]}}\" data-widget_type=\"media-carousel.default\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Logo Slides\">\n\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-carousel-image swiper-lazy\" role=\"img\" aria-label=\"ANSAR GOLDEN TULIP LOGO V3\" data-background=\"https:\/\/abttravel.id\/wp-content\/uploads\/2024\/06\/ANSAR-GOLDEN-TULIP-LOGO-V3.png\">\n\n\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-carousel-image swiper-lazy\" role=\"img\" aria-label=\"logo-nozl-royal-inn-abt\" data-background=\"https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/logo-nozl-royal-inn-abt.jpg\">\n\n\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-carousel-image swiper-lazy\" role=\"img\" aria-label=\"logo-mariot-hotel-makah-abt\" data-background=\"https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/logo-mariot-hotel-makah-abt.jpg\">\n\n\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-carousel-image swiper-lazy\" role=\"img\" aria-label=\"Maden-Hotels\" data-background=\"https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/Maden-Hotels-300x219.png\">\n\n\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-carousel-image swiper-lazy\" role=\"img\" aria-label=\"logo-hotel-le-meridien-mekah\" data-background=\"https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/logo-hotel-le-meridien-mekah.jpg\">\n\n\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-carousel-image swiper-lazy\" role=\"img\" aria-label=\"logo-hotel-sham-province\" data-background=\"https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/logo-hotel-sham-province.jpg\">\n\n\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-carousel-image swiper-lazy\" role=\"img\" aria-label=\"logo-hotel-rove-madinah\" data-background=\"https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/logo-hotel-rove-madinah.jpg\">\n\n\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-carousel-image swiper-lazy\" role=\"img\" aria-label=\"logo-elaf-hotel-abt\" data-background=\"https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/logo-elaf-hotel-abt.jpg\">\n\n\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-carousel-image swiper-lazy\" role=\"img\" aria-label=\"logo-safwah-royal-hotel-abt\" data-background=\"https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/logo-safwah-royal-hotel-abt.jpg\">\n\n\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-carousel-image swiper-lazy\" role=\"img\" aria-label=\"logo-mawadah-hotel-abt\" data-background=\"https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/logo-mawadah-hotel-abt.jpg\">\n\n\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-carousel-image swiper-lazy\" role=\"img\" aria-label=\"logo-garuda-indonesia-abt\" data-background=\"https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/logo-garuda-indonesia-abt.jpg\">\n\n\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-carousel-image swiper-lazy\" role=\"img\" aria-label=\"logo-saudi-arabian-airlines-2-abt\" data-background=\"https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/logo-saudi-arabian-airlines-2-abt.jpg\">\n\n\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-carousel-image swiper-lazy\" role=\"img\" aria-label=\"logo-citilink-abt\" data-background=\"https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/logo-citilink-abt.jpg\">\n\n\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-carousel-image swiper-lazy\" role=\"img\" aria-label=\"logo-emirates-abt\" data-background=\"https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/logo-emirates-abt.jpg\">\n\n\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-carousel-image swiper-lazy\" role=\"img\" aria-label=\"logo-etihad-abt\" data-background=\"https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/logo-etihad-abt.jpg\">\n\n\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-carousel-image swiper-lazy\" role=\"img\" aria-label=\"logo-turkish-airlines-abt\" data-background=\"https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/logo-turkish-airlines-abt.jpg\">\n\n\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-carousel-image swiper-lazy\" role=\"img\" aria-label=\"logo-royal-jordan-airlines-abt\" data-background=\"https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/logo-royal-jordan-airlines-abt.jpg\">\n\n\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-carousel-image swiper-lazy\" role=\"img\" aria-label=\"logo-lion-air-ABT\" data-background=\"https:\/\/abttravel.id\/wp-content\/uploads\/2021\/02\/logo-lion-air-ABT.jpg\">\n\n\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Tata Kelola Perusahaan Kebijakan Manajemen Risiko KEBIJAKAN MANAJEMEN RISIKO Dalam menjalankan kegiatan usahanya, ABT Travel tidak terlepas dari berbagai macam [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4778,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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