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All Journal CAUCHY: Jurnal Matematika Murni dan Aplikasi Jurnal Locus Penelitian dan Pengabdian Rangkiang Mathematics Journal
Sri Wahyu
Mathematics Department, Faculty Of Mathematics And Natural Science, Universitas Negeri Padang
Aerospace Engineering Automotive Engineering Decision Sciences, Operations Research & Management Electrical & Electronics Engineering Mathematics Other

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The Analysis of Consumptive Financing for Civil Servants at Bank Nagari Conventional and Sharia Bukittinggi Wahyu, Sri; Ummul Khairi, Annisa; Oktavia, Aulia
Jurnal Locus Penelitian dan Pengabdian Vol. 3 No. 5 (2024): Jurnal Locus Penelitian dan Pengabdian
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/locus.v3i5.2540

Abstract

Consumer financing has become an essential product in the banking industry. Civil Servants (PNS) are one of the significant groups in the consumer financing market. The provision of consumer financing for PNS is not only available in conventional financial institutions but also increasingly prevalent in Islamic financial institutions. This study aims to analyze and compare the interest rate systems in conventional banks, namely sliding, flat, and annuity, with the interest rate system in Islamic banks, namely the declining margin annuity method applied by Bank Nagari in consumer financing. This research method uses a qualitative approach with in-depth interviews with PNS who are customers of Bank Nagari Syariah Bukittinggi and simulation data on the Bank Nagari Conventional website Calculator. Based on interest calculations, it is evident that the method with the least bank interest income is the sliding method at Bank Nagari Conventional, followed by the declining margin annuity method at Bank Nagari Syariah. Thus, this study provides valuable insights for PNS customers in choosing financing products that are beneficial to customers and align with their needs and values
Implementing the Accrued Benefit Cost and Attained Age Normal Methods for Pension Fund Calculations Wahyu, Sri; Arrezkya, Rahayu; Agustiani, Nur; Oktavia, Aulia; Triara, Lifeni; Muradina, Amalia; Saldy, Rifantio; Muhdaris, Redoa Asll
Rangkiang Mathematics Journal Vol. 4 No. 2 (2025): Rangkiang Mathematics Journal
Publisher : Department of Mathematics, Universitas Negeri Padang (UNP)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/rmj.v4i2.83

Abstract

Pension fund management often faces challenges arising from uncertainties in actuarial variables, such as retirement age, years of service, salary levels, and interest rates. Inaccurate calculations may result in fund deficits or impose excessive contribution burdens on companies. This study aims to identify the optimal method for calculating pension funds to ensure the maximization of pension program benefits. The research employs secondary data from a limited liability company, with documentation as the primary data collection instrument. The data include employees’ dates of birth, dates of registration for work, employment commencement dates, and wage records. The analysis focuses on normal contributions, actuarial liabilities, and fund accumulation using the Accrued Benefit Cost (ABC) and Attained Age Normal (AAN) methods. The results indicate that the AAN method generates higher normal contributions than the ABC method, making it more effective in preventing pension fund deficits. Conversely, the ABC method offers a more evenly distributed cost allocation throughout participants’ working periods. The findings suggest that the differences in results between the two methods are influenced by the length of service and the salary levels of participants.
Spectral Analysis of a Cyclic Tank Mixing System Pebrudal Zanu; Sri Wahyu; Mohammad Januar Ismail Burhan
CAUCHY: Jurnal Matematika Murni dan Aplikasi Vol 11, No 1 (2026): CAUCHY: JURNAL MATEMATIKA MURNI DAN APLIKASI
Publisher : Mathematics Department, Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/cauchy.v11i1.41466

Abstract

In this paper, we study a cyclic mixing tank system consisting of n identical tanks arranged in a closed-loop configuration, each operating under constant volume with equal inflow and outflow rates. The model is further generalized to an m-layer structure, where each layer comprises n circularly interconnected tanks. Based on mass balance principles, the concentration dynamics are formulated as a linear system of first-order ordinary differential equations. By exploiting the structured form of the system matrix, we derive an explicit analytical solution and obtain a closed-form characterization of its spectrum. We show that the eigenvalues of the system are explicitly given by k,j = (-2 + e2i(k-1)/n), which inherently guarantees the decay of all modes. In particular, the solution exhibits a polynomial-exponential form associated with the multilayer cyclic tank. We also establish that the system is exponentially stable under conditions ensuring decay of all modes. Finally, we present numerical simulations to validate the analytical results and to illustrate the transient dynamics of the multilayer system.
Co-Authors Arrezkya, Rahayu Mohammad Januar Ismail Burhan Muhdaris, Redoa Asll Muradina, Amalia Nur Agustiani Oktavia, Aulia Pebrudal Zanu Saldy, Rifantio Triara, Lifeni Ummul Khairi, Annisa