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All Journal PYTHAGORAS: Jurnal Program Studi Pendidikan Matematika Desimal: Jurnal Matematika JTAM (Jurnal Teori dan Aplikasi Matematika) Mathvision : Jurnal Matematika GERVASI: Jurnal Pengabdian kepada Masyarakat Jurnal Tekno Kompak Journal of Informatics, Information System, Software Engineering and Applications (INISTA) Jurnal Visi Pengabdian Kepada Masyarakat International Journal of Engagement and Empowerment (IJE2) FARABI: Jurnal Matematika dan Pendidikan Matematika Premium: Insurance Business Journal International Journal of Multidisciplinary Research and Literature (IJOMRAL) Journal of Computer Science and Informatics Engineering Jurnal Pengabdian Masyarakat Ilmu Komputer
Novika, Fanny
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Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Mechanical Engineering Physics Social Sciences Other

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Pengenalan Literasi Keuangan Pada Siswa PAUD Menggunakan Game Berbasis Web Nalar Istiqomah; Novika, Fanny
Jurnal Visi Pengabdian Kepada Masyarakat Vol. 5 No. 1 (2024): Jurnal Visi Pengabdian Kepada Masyarakat : Edisi Februari 2024
Publisher : LPPM Universitas HKBP Nommensen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51622/pengabdian.v5i1.1949

Abstract

Pada usia Pendidikan Anak Usia Dini (PAUD), anak-anak sudah mulai diberikan uang untuk bekal sekolah, tetapi karena belum mengerti nilai uang, seringkali terjadi masalah pengeluaran berlebihan, kurangnya uang kembalian, atau bahkan kehilangan uang. Oleh karena itu, diperlukan upaya literasi keuangan agar anak-anak memahami konsep uang dan cara menggunakannya. Dalam kegiatan Pengabdian kepada Masyarakat ini, dilakukan pengenalan literasi keuangan pada siswa PAUD melalui : 1) melakukan edukasi dan sosialisasi pengenalan mata uang Rupiah kepada siswa PAUD Al Muhajirin, 2) membuat game edukasi berbasis web dengan tema pengenalan uang dan 3) melakukan kegiatan role play restoran untuk memperkuat pemahaman tentang cara penggunaan uang. Sosialisasi dilakukan dengan memberikan alat peraga materi pengenalan uang serta game edukasi yang dapat diakses di https://mengenalrupiah.netlify.app/. Game ini terdiri dari berbagai kegiatan, yaitu flash card uang, mengenal tampak depan-belakang uang kertas rupiah, mencocokkan gambar dan tulisan nominal uang, membedakan uang koin dan uang kertas serta menjumlahkan nominal uang. Kegiatan role play dilakukan melalui kegiatan jual beli seperti pengelolaan restoran sederhana. Dari 44 siswa yang hadir, 43 siswa (97,72%) menandai senang melakukan kegiatan bermain sambil belajar ini melalui penandaan gambar, sementara 1 siswa lainnya menandai gambar senang dan sedih sekaligus. Hasilnya menunjukkan peningkatan pemahaman siswa tentang uang dan mendapat respon positif dari orang tua dan guru.
Sistem Pakar Rekomendasi Produk Asuransi Jiwa Berdasarkan Profil Nasabah menggunakan Algoritma Forward Chaining Istiqomah, Nalar; Novika, Fanny
Premium Insurance Business Journal Vol. 11 No. 1 (2024): 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.v11i1.59

Abstract

The aim of this research is to build a web-based expert system that can provide life insurance product recommendations. This expert system can be used to help people choose life insurance products that suit their own profile. This research began by conducting a literature study to determine the type of life insurance product and compiling a questionnaire which would later be given to experts. The results of this questionnaire are used as the basis for expert system knowledge which will later be processed using a forward chaining algorithm. From this process, 6 rules were obtained that can be used to recommend life insurance products. After the rules are obtained, a web based expert system is built using the PHP programming language. The expert system was tested using the black box method. From the test results, it is known that the system can carry out its functions well. Therefore, the website can be published on the internet and can be accessed at consurence.id.
IDENTIFIKASI KUALITAS PENDANAAN DANA PENSIUN MENGGUNAKAN RASIO PENDANAAN PROGRAM MANFAAT PENSIUN PADA BERBAGAI ASUMSI TINGKAT SUKU BUNGA Rahmadhianty , Nadya; Novika, Fanny
MathVisioN Vol 6 No 2 (2024): September 2024
Publisher : Prodi Matematika FMIPA Unirow Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55719/mv.v6i2.1283

Abstract

Perubahan tingkat bunga aktuaria memiliki pengaruh terhadap proses perhitungan kewajiban program pensiun khususnya dana pensiun yang memiliki program manfaat pasti. Perubahan 1% (satu persen) tingkat bunga aktuaria  dapat memberikan pengaruh yang cukup signifikan terhadap kewajiban. Perhitungan aktuaria terhadap kewajiban aktuaria tersebut juga akan mempengaruhi Rasio Pendanaan Dana Pensiun, di mana, Rasio Pendanaan adalah salah satu alat ukur untuk dapat menilai kemampuan Dana Pensiun untuk memenuhi kewajiban dalam membayar manfaat pensiun kepada pesertanya. Proses penentuan tingkat bunga ini perlu dilakukan dengan penuh kehati-hatian karena akan berdampak langsung pada rasio pendaaan Dana Pensiun dimana hal tersebut merupakan salah satu indikator kemampuan keuangan Dana Pensiun yang diawasi oleh regulator. Penelitian ini dilakukan untuk mengetahui bagaimana Rasio Pendanaan Dana Pensiun dalam mengidentifikasi Kualitas Pendanaannya dengan pengujian menggunakan tingkat bunga aktuaria yang berbeda. Penelitian ini bersifat kuantitatif deskriptif dan dilakukan dengan metode perhitungan Attained Age Normal (AAN). Perhitungan dilakukan dengan tingkat bunga aktuaria yang berbeda sehingga akan menghasilkan estimasi perbandingan Rasio Pendanaan dan Kualitas Pendanaannya selama tahun 2022 hingga 2026. Dari proses yang dilakukan dengan menggunakan data demografi Dana Pensiun pada tahun berjalan, dihasilkan penggunaan tingkat bunga yang lebih besar akan menghasilkan nilai kewajiban yang lebih rendah dan sebaliknya. Sehingga, penggunaan tingkat bunga yang lebih besar akan membuat Rasio Pendaaan dan Kualitas Pendanaannya semakin baik
THE PHENOMENON OF ONLINE GAMBLING UNDER THE GUISE OF ONLINE GAMES AMONG THE YOUNGER GENERATION Indra, I Made; Japari, Antony; Novika, Fanny; Septivani, C. Nike; Rosmayanti, Melinia; Karina, Enno; Chalista, Bunga
International Journal of Multidisciplinary Research and Literature Vol. 4 No. 1 (2025): INTERNATIONAL JOURNAL OF MULTIDISCIPLINARY RESEARCH AND LITERATURE
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ijomral.v4i1.294

Abstract

The increasing prevalence of online gambling cases among the young generation in Indonesia has a negative impact in that the younger generation is addicted to online gambling games that are easily accessible anywhere 24 hours a day, which only have a Wi-Fi network, through smartphones, and laptops. This study uses a descriptive method with a quantitative approach; the implementation time of this research starts from September 2024 to December 2024. The population in this study is the entire community attracted to the younger generation, namely those aged 17-29 years who use social media, such as Instagram. The research sample is the younger generation willing to become respondents by promoting a questionnaire on Instagram ads for 1 month. The number of respondents in the study was 90 respondents. The results of the study found that the majority of respondents who were exposed to online games under the guise of gambling were young generations aged 17-20 years. This age group is more vulnerable to social and digital influences due to the level of media literacy and self-control that is not fully mature. Involvement in online gambling is influenced by economic factors, such as low income and the assumption that gambling is an easy way to gain financial benefits. Technology, especially stable internet access, and social media is the main means that facilitate this engagement. Influence from friends, social media promotion, and the presence of influencers are the main drivers of respondents' involvement in gambling activities. Many respondents are exposed to online games through their social environment. Online gambling activities under the guise of gaming have had a negative impact, including difficulty controlling spending, increased addiction, and even a desire to go into debt to continue playing. It shows the addictive and destructive nature of gambling. Some respondents believe their skills or experience can increase their chances of winning. This belief encourages them to continue playing even though losses occur more often.
INSURANCE AND ACTUARIAL OLYMPIAD TO INCREASE THE LITERACY OF SMA/SMK/MA STUDENTS IN INDONESIA Lie, Antonius Anton; Indra, I Made; Novika, Fanny; Awaloeddin, Mulawarman; Fandayani, Enno Karina
International Journal of Engagement and Empowerment (IJE2) Vol. 4 No. 3 (2024): International Journal of Engagement and Empowerment
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ije2.v4i3.178

Abstract

Insurance and Actuarial are interrelated disciplines. However, the level of public literacy in these two fields still needs to be higher, even though both have the potential to create economic stability in Indonesia. Therefore, increasing insurance and actuarial literacy in society is critical. This service activity allows the community, especially SMA/SMK/MA students, to increase insurance literacy through participation in Olympic activities. A total of 256 participants competed in the preliminary round, of which 68 advanced to the semifinal round, and finally, only 12 in the insurance and actuarial fields advanced to the final round. The preliminary and final rounds were held offline, while the final round was held online. In the final round, the finalists answered questions from judges who were experts in the insurance and actuarial fields and provided explanations of their answers to the public via the YouTube channel. This Olympic activity received a good response from practitioners in the insurance sector, who were impressed by the finalists' ability to provide excellent answers
Rancang produk asuransi jiwa berjangka dengan metode Kostaki melalui model True Fractional Premiums Novika, Fanny; Suryamika, Putu Egawastu
PYTHAGORAS : Jurnal Program Studi Pendidikan Matematika Vol 13, No 2 (2024): PYTHAGORAS: Jurnal Program Studi Pendidikan Matematika
Publisher : UNIVERSITAS RIAU KEPULAUAN, BATAM, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33373/pyth.v13i2.6653

Abstract

Tabel Mortalitas merupakan salah satu instrumen yang digunakan dalam perhitungan premi Asuransi Jiwa. Tabel Mortalitas yang digunakan untuk menghitung premi Asuransi Jiwa sangatlah beragam. BPJS Ketenagakerjaan mengeluarkan Tabel Mortalitas dengan asumsi baru pada tahun 2022. Tabel Mortalitas ini dirancang secara ringkas dengan interpolasi menggunakan Metode Kostaki. Hasil interpolasi ini kemudian digunakan untuk menghitung premi Asuransi Jiwa Berjangka 10 tahun menggunakan teknik pembayaran True Fractional Premium. Dari hasil perhitungan yang dilakukan, diperoleh 6 tabel yang berisi harga premi Asuransi Jiwa berjangka 10 tahun dengan besaran bunga 5.75%. Tabel ini dibagi berdasarkan jenis kelamin dan 3 besar manfaat yang berbeda yaitu Rp. 300,000,000.00 , Rp. 500,000,000.00 , Rp. 1,000,000,000.00 dan didalamnya memuat 4 jenis pilihan pembayaran premi fraksional dalam setahun (Tahunan, Semesteran, Triwulanan, dan Bulanan).
VIRTUAL TRAINING PELATIHAN CODING UNTUK TENAGA PENDIDIK SD, SMP DAN SMA Istiqomah, Nalar; Novika, Fanny
Jurnal Pengabdian Masyarakat Ilmu Komputer Vol. 2 No. 1 (2025): Januari
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/jpmik.v2i1.1556

Abstract

Berdasarkan survey yang telah dilakukan Microsoft YouthSpark #WeSpeakCode dari 1850 siswa, coding lebih banyak ingin diketahui siswa sebanyak 91%. Sayangnya, hanya separuhnya siswa yang memiliki kesempatan belajar coding di sekolah, baik sebagai intrakulikuler maupun ekstrakulikuler. Selain itu, tidak banyak guru dan orang tua yang mempunyai kemampuan coding. Pelatihan coding menggunakan Scratch telah berhasil dilaksanakan dengan tujuan memperkenalkan keterampilan dasar coding kepada guru dan orang tua. Aplikasi Scratch dipilih karena mudah digunakan oleh siapa saja tanpa memerlukan pemahaman mendalam tentang bahasa pemrograman. Melalui kegiatan ini, peserta mampu memahami konsep computational thinking yang menjadi dasar dalam pembelajaran coding. Selain itu, mereka juga berhasil membuat flowchart untuk merancang game sederhana menggunakan Scratch. Berdasarkan hasil kuisioner, seluruh peserta menyatakan puas dengan pelatihan ini dan berharap adanya program lanjutan untuk mempelajari coding lebih mendalam. Hasil ini menunjukkan bahwa pelatihan telah berhasil memperkenalkan keterampilan coding secara efektif sekaligus memotivasi guru dan orang tua untuk mengajarkan coding kepada anak-anak atau siswa mereka.
ANALISIS MODEL EMPIRIK DALAM MELANJUTKAN STUDI DI PERGURUAN TINGGI DI BIDANG ASURANSI Novika, Fanny; Irwandi, Muhammad
Premium Insurance Business Journal Vol. 7 No. 1 (2020): PREMIUM INSURANCE BUSINESS JOURNAL
Publisher : P3M Trisakti School of Insurance (TSI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (673.176 KB)

Abstract

Empirical analysis is an analysis obtained from data that has been observed by a researcher conducted through an experiment or making data on its own. One empirical analysis used is the Structural Equation Model (SEM). SEM is based on causality, where changes in one variable will change the other variables. One form of relationship patterns can be described through path analysis obtained using the SPSS application. Before the data is analyzed, test the reliability of the data with Cronbach’s Alpha. The experimental data used in this study were the analysis of the factors that cause students to continue their studies in university (economic factors, parental education and family environment) and analysis of the factors that cause students to choose to continue their studies in insurance (welfare factors after graduation and interest). On the data of continuing studies in university, the Cronbach's Alpha score is 0.804 and on the data of continuing study interest is 0.862. Both data are greater than 0.6 so it can be said that both data are reliabel. The data of continuing studies in university, which have the highest level of effect on continuing studies to tertiary education is parental education. In the interest analysis data which has a higher effect to measure interest in continuing studies in the insurance field is the level of economic welfare.
ANALISIS BIPLOT UNTUK RETURN ON ASSET (ROA) DAN RETURN ON EQUITY (ROE) PADA PERUSAHAAN ASURANSI JIWA NASIONAL Novika, Fanny; Saptyarani, Amelia
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 (631.509 KB)

Abstract

Biplot analysis is a type of multivariate analysis used to solve problems or process data that involves many variables. The number of variables in a data often makes it difficult to represent the results. Therefore, Biplot is a media solution for describing the data in the summary table in a two dimensional graph. This analysis can be applied to find out information about the relative position, similarity of characteristics between objects and the diversity of variables or variables in the elements of return on assets and return on equity in national life insurance companies related to aspects of a health assessment and company grouping. The results of the biplot analysis show two categories, namely grouping based on biplot points and year variability. There are differences in the results of national life insurance groupings, namely the AJB Bumiputera 1912 company, Central Asia Raya Life Insurance, Equity Life Indonesia, Heksa Solution Insurance, Jiwasraya Insurance, Indosurya Sukses Life Insurance. Meanwhile, national life insurance companies that have the same characteristics for return on assets and return on equity are divided into 3 (three) groups. In the management aspect, namely related to life insurance companies that are stable and healthy in investing, ROA and ROE are shown by group III. The greatest and most dominant diversity of years for return on assets lies in 2018, while for return on equity, the greatest diversity is in 2019. There is a difference in the results of the variation in ROA and ROE due to the variable used differently. ROA shows aspects of assets consisting of liabilities and equity. If the acquisition of large assets, it can be used to pay corporate liabilities. ROE only shows from the side of equity without paying attention to liabilities.
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).
Co-Authors Amalina, Anvika Nur Awaloeddin, Mulawarman Chalista, Bunga Fandayani, Enno Karina I Made Indra Irwandi, Muhammad Istiqomah, Nalar Japari Antony Karina, Enno Kusdani, Dedi Lie, Antonius Anton Mahmudi Mahmudi Marsanto, Budi Maulidi, Ikhsan Muhamad Syazali Nalar Istiqomah Namiera, Adinda Nike Septivani P, I Made Indra Rahmadhianty , Nadya Rosmayanti, Melinia Saptyarani, Amelia Suryamika, Putu Egawastu Vina Apriliani