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All Journal FARABI: Jurnal Matematika dan Pendidikan Matematika Premium: Insurance Business Journal
Kusdani, Dedi
Unknown Affiliation
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Mathematics Social Sciences

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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)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1099.481 KB)

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 (In Press)
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 I Made Indra Indra P., I Made Namiera, Adinda Nike Septivani Novika, Fanny Rivo Bifa Wahyuari