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All Journal Syntax Idea Parameter: Jurnal Matematika, Statistika dan Terapannya
Nisky Imansyah Yahya
Universitas Negeri Gorontalo, Indonesia
Aerospace Engineering Agriculture, Biological Sciences & Forestry Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Mathematics

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Analysis of Premium Reserves in Whole Life and Term Life Insurance Using the New Jersey Prospective Method Cabelita Husuna; Novianita Achmad; Agusyarif Rezka Nuha; Nisky Imansyah Yahya; Muhammad Yahya Ayyasy
Parameter: Jurnal Matematika, Statistika dan Terapannya Vol 4 No 3 (2025): Parameter: Jurnal Matematika, Statistika dan Terapannya
Publisher : Jurusan Matematika FMIPA Universitas Pattimura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30598/parameterv4i3pp509-520

Abstract

Human life is constantly exposed to risks such as illness, accidents, and death, which create financial uncertainties for individuals and families. Life insurance serves as an essential financial instrument to mitigate these risks by transferring potential liabilities to insurance companies. This study analyzes premium reserves for whole life and term life insurance using the New Jersey Prospective Method, applying a 6% interest rate and the 2023 Indonesian Mortality Table (TMPI) as the basis of calculation. Actuarial commutation functions are employed to compute annuity values, single net premiums, annual net premiums, and reserve allocations across different ages. The results indicate that reserve values increase with age, reflecting higher mortality risks, with whole life insurance showing a sharper escalation compared to term life insurance. The New Jersey Prospective Method demonstrates accuracy and consistency in reserve estimation, particularly by setting zero reserves in the first policy year, thereby supporting initial liquidity. These findings highlight the method’s effectiveness in maintaining financial stability and readiness of insurance companies to meet future claims and long-term obligations to policyholders.
Implementation of Graph Coloring With Region Coloring on the Sulut-Go Map Using the Welch Powell Algorithm Excel Muhammad Hendri; Lailany Yahya; Nisky Imansyah Yahya
Syntax Idea Vol. 8 No. 1 (2026): Syntax Idea
Publisher : Ridwan Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/syntaxidea.v8i1.14541

Abstract

Graph coloring is a technique for assigning colors to vertices so that no two adjacent vertices share the same color. This study implements region coloring on the map of North Sulawesi and Gorontalo (Sulut-Go) using the Welch-Powell algorithm, a method based on the highest vertex degree. The research employs a quantitative-descriptive approach with an algorithmic experimental method. Administrative region data and regional boundary connections in the Sulut-Go provinces are converted into graph form, with regencies/cities as vertices and connecting roads as edges. The procedures include data collection, graph construction, degree calculation, coloring using the Welch-Powell algorithm, and chromatic number determination. The results show that the Sulut-Go map consists of 18 regencies/cities represented as vertices. After implementing the Welch-Powell algorithm, the graph coloring produced a chromatic number of χ(G) = 3, meaning all regions can be colored using only three different colors. The coloring was applied with red, yellow, and green, ensuring that no adjacent regions share the same color. Vertex V15 (Minahasa) has the highest degree, with five connections. This study successfully demonstrates that the Welch-Powell algorithm effectively solves the region-coloring problem on the Sulut-Go map. In conclusion, graph coloring using the Welch-Powell algorithm can be effectively applied to color regional maps, facilitating visual distinction between adjacent areas. The chromatic number χ(G) = 3 indicates the minimum number of colors needed for the Sulut-Go map. This research contributes to the application of graph theory in cartography. Further research is recommended for larger-scale applications such as islands or countries, as well as for edge coloring and social network analysis.
Co-Authors Agusyarif Rezka Nuha Cabelita Husuna Excel Muhammad Hendri Lailany Yahya Muhammad Yahya Ayyasy Novianita Achmad