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All Journal Jurnal Organisasi Dan Manajemen Management Studies and Entrepreneurship Journal (MSEJ) FARABI: Jurnal Matematika dan Pendidikan Matematika International Journal of Science and Society (IJSOC) Premium: Insurance Business Journal
Dedi Kusdani
STMA Trisakti, Jakarta-Indonesia
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Materials Science & Nanotechnology Mathematics Social Sciences

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PERSEPSI TERHADAP SIKAP DAN MINAT PENGGUNA LAYANAN INTERNET PADA PERUSAHAAN JASA ASURANSI Kusdani, Dedi
Jurnal Organisasi dan Manajemen Vol 10 No 2 (2014)
Publisher : LPPM Universitas Terbuka

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Abstract

The background of this research is to analize what is the effect of consumers perception to their attitude and intention towards of their actual usage on internet insurance service. There is a rapid growth in number of internet usage and users in Indonesia until 2012 for 55 million people users, thus its giving a good business opportunity in industry. For the finance business industry, the internet insurance service adoption is at the introduction stage. There are several differences between internet insurance service and common service. Therefore the insurance company needs to have a good insight of their consumer perceptions towards of internet insurance usage for improving their services. The Structural Equation Modelling used to analising the data collected proceeds by LISREL 8.70. The results of this research are there are revelations of positif effect for trust, perceived usefulness and perceived ease of use towards of attitudes and intentions to internet insurance services actual usage, howevere there are no revelations of positif effect for trust towards of intention to use. Penelitian ini dilakukan untuk menganalisis pengaruh faktor-faktor persepsi terhadap sikap dan minat konsumen dalam hal ini nasabah asuransi untuk menggunakan layanan internet asuransi. Teknologi internet yang makin berkembang baik penggunaannya dan jumlah penggunanya di Indonesia yaitu 55 juta orang pada tahun 2012, memberikan peluang bisnis yang baik. Pada industri jasa keuangan maka industri asuransi masih baru pada tahapan awal dalam menyediakan jasa layanan produk-produk asuransi. Dengan adanya perbedaan karakteristik dari transaksi jasa layanan menggunakan media internet dibandingkan layanan transaksi langsung, merupakan suatu hal yang penting bagi pihak perusahaan jasa asuransi untuk lebih memahami hal-hal apa yang dapat mempengaruhi konsumen mereka dalam menentukan keputusan menggunakan jasa layanan transaksi internet. Metode yang digunakan untuk menganalisa pengolahan data adalah dengan SEM (Structural Equation Modelling) dengan menggunakan perangkat lunak LISREL 8.70. Penelitian ini menemukan bahwa ada pengaruh dari faktor-faktor persepsi kepercayaan, kegunaan dan kemudahan penggunaan terhadap sikap nasabah yang kemudian mempengaruhi minat untuk menggunakan layanan internet asuransi. Juga ditemukan bahwa tidak adanya pengaruh dari faktor persepsi kepercayaan terhadap minat nasabah untuk menggunakan layanan transaksi internet asuransi.
Investigasi Kecurangan dalam Klaim Program Asuransi Kesehatan Hospital Cash Plan Mulawarman Awaloedin; Hendrik Herdiana Sutendi; Dedi Kusdani
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 2 No. 1 (2021): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v2i1.148

Abstract

Penelitian ini bertujuan untuk menginvestigasi kecurangan klaim asuransi (fraud) di sebuah perusahaan asuransi. Menggunakan pendekatan studi kasus, ditemukan sejumlah kasus-kasus klaim yang tidak lazim dengan nilai pengajuan yang tidak wajar. Hasil investigasi kemudian dimodelkan mengikuti prosedur standar operasional yang ada. Hasil yang diperoleh adalah standar operasional perusahaan tidak dijalankan secara konsisten dan optimal, sehingga memudahkan bagi tertanggung untuk melakukan tindak kecurangan. Tindak kecurangan yang berhasil diinvestigasi adalah pemalsuan dokumen (Falsifying documents), submitting double bills (mengirimkan tagihan ganda), juga providing unnecessary care and maximizing care (memberikan perawatan yang tidak perlu dan memaksimalkan perawatan). Guna mencegah tindak kecurangan ini dan menguranginya, disarankan untuk melakukan sinergi antar depertemen di perusahaan dan melakukan kerjasama dengan pihak-pihak penerbit dokumen di luar perusahaan seperti pembuat ktp elektronik (Pemda). Katakunci: Klaim Asuransi, Kecurangan (Fraud).
Implementation of the Labor Laws in Indonesia for Formulation of Pension Reserves Fanny Novika; Fida Fathiyah Addini; Dedi Kusdani
International Journal of Science and Society Vol 5 No 3 (2023): International Journal of Science and Society (IJSOC)
Publisher : GoAcademica Research & Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/ijsoc.v5i3.759

Abstract

This study aims to modify the calculation of severance reserves, the benefits of which are paid in accordance with Law number 6 of 2023 concerning Stipulation of a Substitute Law on Job Creation. This study seeks to modify the Projected Unit Credit calculation technique by considering Pension Constant which consists of Pension Factor, Work Term Reward Factor and Entitlement Compensation Pay Factor. In this research, the calculation of severance reserves is applied to PT A which has 24 permanent employees with an average age of employees is 29.67 years and the average work term is 5.83 years. The employee's salary during the valuation period has an average of IDR 2,776,214. This research tries to find the work mortality based on the number of working population and laid-off workers in Indonesia to be the basis for termination probability. The interest rate used in this research is the average return on bonds published by the Indonesian Bond Pricing Agency (IBPA) in five years, which is 0.063467. This research used TMI IV to define the probability of survival and death. This assumption can be used for all companies to maintain the company's financial stability by allocating reserves to pay severance pay in three possible cases, namely severance benefits upon retirement, severance benefit if employee leaves the company between valuation year and severance benefit if employee dies between the valuation year. Based on the calculation results, the reserve that needs to be stored is Rp. 1,186,723,329.18
RANCANG BANGUN APLIKASI COBAINS.ID UNTUK MEMBUAT ASUMSI NETO DENGAN PENDEKATAN AKTUARIA ASURANSI JIWA Rivo Bifa; Indra P., I Made; Kusdani, Dedi
Premium Insurance Business Journal Vol. 9 No. 1 (2022): PREMIUM INSURANCE BUSINESS JOURNAL
Publisher : P3M Trisakti School of Insurance (TSI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35904/premium.v9i1.25

Abstract

Seiring perkembangan zaman, proses perhitungan premi berdasarkan jumlah manfaat pada asuransi jiwa mestinya dapat menyesuaikan dengan kemajuan teknologi yang ada. Berbagai macam problematika akan muncul apabila tidak menyesuaikannya seperti kurangnya tingkat efisiensi jika dilakukan secara manual dan di sisi lain pembaruan teknologi yang mungkin saja telah dilakukan oleh perusahaan asuransi, tapi tidak bagi masyarkat atau akademisi. Pada artikel ini akan dibahas rancangan aplikasi website yang dapat melakukan proses penghitungan sendiri asumsi neto aktuaria asuransi jiwa.
GAMBARAN JENIS RISIKO PENGELOLAAN BANTUAN SOSIAL SELAMA PANDEMI COVID-19 DI INDONESIA Indra, I Made; Wahyuari; Septivani, C. Nike; Kusdani, Dedi
Premium Insurance Business Journal Vol. 8 No. 1 (2021): PREMIUM INSURANCE BUSINESS JOURNAL
Publisher : P3M Trisakti School of Insurance (TSI)

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Abstract

Risk management is very important for the continuity of a business or activity. If a disaster occurs, such as fire or damage, the company will suffer huge losses, which can hinder, disrupt or even destroy business continuity or operations. Risk management is a tool to protect the company from any possible harm. So that in the management of logistical assistance, especially when a disaster occurs, both natural and non-natural, a risk management effort is needed in order to reduce the impact of losses in operations. This research uses explanatory type. The samples in this study were derived from elements of government, academia and society with qualitatively managed data. The results of the study found 8 risk categories that occurred in the logistical assistance process during the Covid-19 pandemic in Indonesia, namely: policy risk, compliance risk, legal risk, fraud risk, reputation risk, reputation risk and operational risk.
Analisis Tingkat Suku Bunga pada Tarif Premi Tunggal Bruto Produk Asuransi Jiwa Kredit Namiera, Adinda; Novika, Fanny; Kusdani, Dedi
Premium Insurance Business Journal Vol. 9 No. 2 (2022): PREMIUM INSURANCE BUSINESS JOURNAL
Publisher : P3M Trisakti School of Insurance (TSI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35904/premium.v9i2.33

Abstract

Asuransi Jiwa Kredit adalah produk asuransi jiwa yang memberikan manfaat berupa pelunasan kredit kepada pemberi pinjaman apabila debitur atau tertanggung meninggal dunia dalam periode asuransi. Premi asuransi jiwa kredit dihitung berdasarkan nilai kini dari manfaat asuransi yang akan diterima oleh tertanggung. Selain besar manfaat, salah satu faktor yang memengaruhi perhitungan premi adalah penetapan tingkat suku bunga. Peneliti ingin mengetahui perubahan suku bunga terhadap perhitungan tarif premi bruto asuransi jiwa kredit dan ingin mengetahui tingkat suku bunga ideal dalam pembentukan tarif premi bruto yang memenuhi prinsip-prinsip penetapan tarif premi dengan menggunakan metode komutasi (deterministic) dengan Tabel Mortalita IV tahun 2019 dengan tingkat suku bunga dari 2% sampai dengan 10% dengan kenaikan 0.5%, biaya akuisisi sebesar 10%, biaya administrasi sebesar 10%, profit margin sebesar 15% dan biaya operasional sebesar 0,05%. Untuk mencari suku bunga yang ideal, penelitian ini menggunakan analisis Procrustes dengan melakukan perbandingan dengan rate asuransi yang ada di perusahaan asuransi. Dari hasil analisa didapatkan adanya fluktuasi tingkat suku bunga terhadap perhitungan premi bruto asuransi jiwa kredit. Tingkat Suku bunga ideal yang didapatkan dari ukuran kemiripan Procrustes terbesar dari hasil perhitungan menggunakan metode komutasi (deterministik) yaitu suku bunga teknik 2% (untuk laki-laki) dan 7,5% sampai dengan 10% (untuk perempuan).
Spatial Pattern Analysis and Spatial Regression of Geological Disaster Risk in Indonesia Novika, Fanny; Kusdani, Dedi
FARABI: Jurnal Matematika dan Pendidikan Matematika Vol 8 No 2 (2025): FARABI: Jurnal Matematika dan Pendidikan Matematika
Publisher : Program Studi Pendidikan Matematika FKIP UNIVA Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47662/farabi.v8i2.1114

Abstract

Indonesia is a country with a high level of vulnerability to geological disasters such as earthquakes, landslides, and volcanic eruptions due to its position in the meeting zone of three active tectonic plates. This study aims to map the spatial pattern of geological disasters Local Indicators of Spatial Association (LISA) and analyze the effect of spatial variables on the number of victims using a spatial regression analysis approach. Data were obtained from BNPB and analyzed using the OLS method and three spatial regression models, namely the Spatial Autoregressive Model (SAR), Spatial Error Model (SEM), and General Spatial Model (GSM). The LISA results show that several provinces are included in the high-high and spatial outlier categories that are prone to disasters. Regression analysis shows that for earthquakes, the SEM model is the best model with a pseudo-R² of 0.888 and the lowest AIC. For landslides, the GSM model gives the best results (pseudo-R² = 0.7860 and AIC = 78.389), while for volcanic eruptions, the spatial model does not show significant spatial effects, so the OLS model is sufficient to represent the relationship between variables. The variable number of events proved to have the most significant influence on the number of victims across all types of disasters. This finding emphasizes the importance of a spatial approach in risk mapping and geological disaster mitigation planning in Indonesia.
Spatial Pattern Analysis and Spatial Regression of Geological Disaster Risk in Indonesia Fanny Novika; Dedi Kusdani
FARABI: Jurnal Matematika dan Pendidikan Matematika Vol 8 No 2 (2025): FARABI: Jurnal Matematika dan Pendidikan Matematika
Publisher : Program Studi Pendidikan Matematika FKIP UNIVA Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47662/farabi.v8i2.1114

Abstract

Indonesia is a country with a high level of vulnerability to geological disasters such as earthquakes, landslides, and volcanic eruptions due to its position in the meeting zone of three active tectonic plates. This study aims to map the spatial pattern of geological disasters Local Indicators of Spatial Association (LISA) and analyze the effect of spatial variables on the number of victims using a spatial regression analysis approach. Data were obtained from BNPB and analyzed using the OLS method and three spatial regression models, namely the Spatial Autoregressive Model (SAR), Spatial Error Model (SEM), and General Spatial Model (GSM). The LISA results show that several provinces are included in the high-high and spatial outlier categories that are prone to disasters. Regression analysis shows that for earthquakes, the SEM model is the best model with a pseudo-R² of 0.888 and the lowest AIC. For landslides, the GSM model gives the best results (pseudo-R² = 0.7860 and AIC = 78.389), while for volcanic eruptions, the spatial model does not show significant spatial effects, so the OLS model is sufficient to represent the relationship between variables. The variable number of events proved to have the most significant influence on the number of victims across all types of disasters. This finding emphasizes the importance of a spatial approach in risk mapping and geological disaster mitigation planning in Indonesia.
Co-Authors Fanny Novika Fida Fathiyah Addini Hendrik Herdiana Sutendi I Made Indra Mulawarman Awaloedin Namiera, Adinda Nike Septivani Rivo Bifa Wahyuari