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Calculation of Annual Premiums and Premium Reserves for Endowment Joint Life Insurance Based on Stochastic Interest Rates Using the Monte Carlo Method Bela Cintiya Samwan; Agusyarif Rezka Nuha; Armayani Arsal; Emli Rahmi; La Ode Nashar
Jurnal Multidisiplin Sahombu Vol. 6 No. 01 (2026): Jurnal Multidisiplin Sahombu, January 2026
Publisher : Sean Institute

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Abstract

This study examines the determination of annual premiums and premium reserves for an endowment joint life insurance product by incorporating interest rate uncertainty through the Cox-Ingersoll-Ross (CIR) stochastic model and Monte Carlo simulation. The Indonesian Mortality Table 2023 is used to compute joint survival probabilities for the three insured individuals, while the CIR parameters are estimated from historical interest rate data for the period 2020-2024. The present value of benefits and annuities is calculated along each simulated path, enabling the premium and premium reserves to be evaluated prospectively based on fluctuating interest rate dynamics. The results show that the magnitude of premiums and reserves is influenced by the initial ages of the insured, the mortality structure, the sum assured, and the variability of the simulated interest rates. At the beginning of the contract, all scenarios produce negative reserves because accumulated premiums are still insufficient to cover the expected present value of benefits. However, the reserves increase steadily over time and turn positive toward the end of the insurance term. These findings indicate that the Monte Carlo approach based on the CIR model provides a more adaptive and realistic representation of premium and reserve behavior compared with deterministic methods, thereby supporting more accurate financial risk assessment for insurance companies.
Bifurkasi Periode Ganda dan Neimark-Sacker pada Model Diskret Leslie-Gower dengan Fungsi Respon Ratio-Dependent Reza Mokodompit; Nurwan; Emli Rahmi
Limits: Journal of Mathematics and Its Applications Vol. 17 No. 1 (2020): Limits: Journal of Mathematics and Its Applications Volume 17 Nomor 1 Edisi Ju
Publisher : Pusat Publikasi Ilmiah LPPM Institut Teknologi Sepuluh Nopember

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Abstract

Dinamika model Leslie-Gower dengan fungsi respon ratio-dependent yang didiskretisasi menggunakan skema Euler maju adalah fokus utama pada artikel ini. Analisis diawali dengan mengidentifikasi eksistensi dari titik ekuilibrium dan kestabilan lokalnya. Diperoleh empat titik ekuilibrium yaitu titik kepunahan kedua populasi dan titik kepunahan predator yang selalu tidak stabil, dan titik kepunahan prey dan eksistensi kedua populasi yang stabil kondisional. Selanjutnya dipelajari eksistensi dari bifurkasi periode ganda dan Neimark-Sacker di sekitar titik eksistensi kedua populasi sebagai akibat perubahan parameter h ( time-step ). Dari hasil analisis ditemukan bahwa bifurkasi periode ganda terjadi setelah melewati h=h_a atau h=h_c dan bifurkasi Neimark-Sacker terjadi setelah melewati h=hb. Di akhir pembahasan, diberikan simulasi numerik yang mendukung hasil analisis sebelumnya.
ANALISIS BUTIR ESAI 10-ITEM PADA KELAS XI SMA MUHAMMADIYAH BATUDAA 2025/2026 Konijo, Nur'Ain Pratami A.; Machmud, Tedy; Rahmi, Emli
JP2M (Jurnal Pendidikan dan Pembelajaran Matematika) Vol 11, No 2 (2025)
Publisher : Universitas Bhinneka PGRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29100/jp2m.v11i2.9701

Abstract

In the 2025–2026 academic year, this research is to assess the quality of the math exam problems on the subject of three-variable linear equation systems in the interactive e-book for grade XI at SMA Muhammadiyah Batudaa that is based on infographics.  Four primary factors were examined in the evaluation: the degree of difficulty, validity, dependability, and discriminating power.  Student response sheets from a ten-question essay test served as the data source for the quantitative descriptive methodology.  Twenty-seven XIA students served as the study's subjects.  50% of the questions had strong discriminating power, 10% were sufficient, 30% were poor, and 10% were extremely poor, according to the analysis's findings.  Thirty percent of the questions were categorized as easy, sixty percent as moderate, and ten percent as challenging.  According to validity analysis, half of the items were deemed valid and the other half were deemed invalid.  The instrument has strong internal consistency, as indicated by the reliability test findings using the Cronbach's Alpha formula, which produced a coefficient value of 0.803, falling into the very high range.  These results suggest that although incorrect or ineffective questions should be changed or replaced, valid and high-quality questions should be added to the question bank.  To guarantee fair and accurate assessment quality, regular evaluation and instrument trials are strongly advised.
Ethno-STEM Mobile Apps in Formal Education: A Systematic Review of Design Principles, Cultural Adaptation, and Learning Outcomes Permatasari, Indah; Panigoro, Hasan S.; Rahmi, Emli
Euler : Jurnal Ilmiah Matematika, Sains dan Teknologi Volume 14 Issue 1 April 2026
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37905/euler.v14i1.37935

Abstract

This study presents a systematic literature review examining the development and educational impact of ethno-STEM mobile applications used in formal education. The review aims to synthesize evidence regarding three main aspects: design principles and technical features of ethno-STEM mobile apps, the integration and cultural adaptation of local knowledge, and the learning outcomes reported for students. The review followed the PRISMA 2020 framework to ensure transparency and methodological rigor in the identification, screening, and synthesis of relevant studies. Literature was retrieved from the SCOPUS database using Boolean keywords covering publications from 2016 to 2026. After a structured screening process involving document type filtering and content-based eligibility criteria, five studies were included in the final qualitative synthesis. The findings reveal that most ethno-STEM mobile applications are developed using Android platforms and instructional design frameworks such as ADDIE, emphasizing multimedia integration, interactive visualization, and guided inquiry structures. Cultural knowledge is incorporated through approaches such as ethnopedagogy, ethnomathematics, ethnoscience, and dual representation of indigenous and scientific knowledge systems. However, cultural validation processes are commonly limited to expert reviews and user evaluations rather than participatory collaboration with community knowledge holders. The reviewed studies report positive educational outcomes, including improvements in mathematical problem solving, creative thinking, scientific literacy, and student engagement. Nevertheless, most evaluations rely on short-term interventions and limited methodological rigor, with little evidence of long-term learning impacts or identity development. Overall, the findings suggest that ethno-STEM mobile applications show strong pedagogical potential but require more robust cultural validation frameworks and longitudinal evaluation to support sustainable and culturally responsive STEM learning.
Penerapan Metode Fuzzy Time Series Chen Orde Tinggi Pada Peramalan Nilai Tukar Petani Provinsi Gorontalo Nur Miftah Muhammad; Isran K. Hasan; Armayani Arsal; Emli Rahmi; Laode Nashar
Jurnal Riset Mahasiswa Matematika Vol 5, No 4 (2026): Jurnal Riset Mahasiswa Matematika
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/jrmm.v5i4.41337

Abstract

Nilai Tukar Petani (NTP) merupakan salah satu indikator ekonomi yang digunakan untuk menggambarkan tingkat kesejahteraan petani dan kondisi sektor pertanian. Pergerakan nilai NTP yang bersifat fluktuatif memerlukan pendekatan peramalan yang mampu menangkap pola data secara memadai. Penelitian ini bertujuan menerapkan metode Fuzzy Time Series (FTS) Chen orde tinggi untuk meramalkan Nilai Tukar Petani di Provinsi Gorontalo serta mengidentifikasi model orde yang memberikan tingkat kesalahan peramalan yang paling tepat. Data yang digunakan berupa data bulanan NTP Provinsi Gorontalo periode Januari 2020 hingga Oktober 2025 yang terdiri dari 70 observasi dan diperoleh dari publikasi resmi Badan Pusat Statistik. Data dibagi menjadi 80% data latih dan 20% data uji menggunakan pendekatan pembagian berdasarkan waktu. Tahapan analisis meliputi penentuan himpunan semesta, pembentukan interval, proses fuzzifikasi, pembentukan Fuzzy Logical Relationship (FLR) dan Fuzzy Logical Relationship Group (FLRG), defuzzifikasi, serta evaluasi kinerja model menggunakan Mean Absolute Percentage Error (MAPE). Hasil analisis menunjukkan bahwa model FTS Chen orde dua menghasilkan nilai MAPE sebesar 3,3164% pada data uji, yang lebih kecil dibandingkan dengan model orde satu. Sementara itu, model orde tiga tidak dapat digunakan secara optimal karena tidak terbentuk hubungan fuzzy pada beberapa periode data pengujian. Hasil ini menunjukkan bahwa pendekatan FTS Chen orde dua dapat memberikan hasil peramalan yang relatif lebih baik pada data NTP yang dianalisis dalam penelitian ini.