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Determination of Mount Eruption Insurance Premiums in Indonesia Based on Collective Risk and Level of Risk Spread Kalfin, Kalfin; Sukono, Sukono; Januaviani, Trisha Magdalena Adelheid; Siregar, Bakti
International Journal of Business, Economics, and Social Development Vol. 5 No. 1 (2024)
Publisher : Rescollacom (Research Collaborations Community)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v5i1.576

Abstract

Volcano eruption insurance is an insurance product that provides financial protection to policy holders who experience losses due to volcanic eruptions. This insurance product is still rarely developed in Indonesia, even though this country is very vulnerable to natural disasters. Therefore, this research aims to carry out a simulation of determining volcanic eruption disaster insurance premiums based on collective risk and the level of risk distribution. The data used in this research is the frequency of events and economic losses due to volcanic eruptions. Event frequency and loss data are analyzed using a collective risk model. Apart from that, determining insurance premiums also takes into account loading factors and the level of risk distribution from volcanic eruption disaster data. From the results of the analysis, it was found that natural disaster insurance premiums had increased, along with an increase in the loading factor provided. In addition, insurance premium expenses are influenced by the collective risks faced by customers. The greater the collective risk faced, the greater the insurance premium that customers must bear. Based on the results of the estimates carried out, it is hoped that this research can provide an overview to the Indonesian government in estimating the Mount Meletus insurance scheme. Meanwhile, insurance companies can get an idea of determining insurance premiums according to conditions in the field.
Talent Classification: Recognizing and Developing Personal Potential Optimally at Tarsisius Vireta High School Januaviani, Trisha Magdalena Adelheid; Kalfin, Kalfin; Arifin, Alicia; Gunawan, Naftali Brigitta
International Journal of Research in Community Services Vol. 5 No. 2 (2024)
Publisher : Research Collaboration Community (Rescollacom)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijrcs.v5i2.607

Abstract

Knowing students' talents and interests from an early age is very important to help them develop their potential more effectively. Every individual is unique, and the process of identifying talents and interests requires patience and a deep understanding of the student. With a good approach, we can help students develop their potential optimally. This research aims to explore the potential of students at Tarsisius Vireta High School using a talent classification approach. In the educational context, recognizing and developing students' potential is the key to achieving personal success and positive contributions to society. The research method used is qualitative with data collection techniques through questionnaires given before (Pre Test) and after (Post Test) the seminar given to students. The data obtained becomes evaluation material in determining how much students know the talents each student has. Based on the results of the analysis, it was found that there was a significant increase in students' awareness of their talents and interests, as well as their ability to identify and categorize talents. With a deeper understanding of students' potential, it is hoped that education at Tarsisius Vireta High School can be more optimal in developing students' talents and interests, so that they are ready to face the future with confidence and honed abilities.
Study of the Influence of Online Games on Adolescent Psychology in Parungponteng District: Analysis of Intensity of Use, Type of Game, and Psychological Impact Azahra, Astrid Sulistya; Saputra, Jumadil; Kalfin, Kalfin
International Journal of Ethno-Sciences and Education Research Vol. 4 No. 1 (2024): International Journal of Ethno-Sciences and Education Research (IJEER)
Publisher : Research Collaboration Community (Rescollacom)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijeer.v4i1.568

Abstract

This research aims to examine the influence of online games on adolescent psychology in Parungponteng District. By collecting data from 30 respondents through questionnaires, this research analyzed the intensity of game use, the types of games played, and the psychological impact of online game addiction on teenagers. The research results show that teenagers tend to spend an average of 15 hours per week playing online games, with the majority choosing Role-Playing Games (RPG) and Multiplayer Online Battle Arena (MOBA) games. The psychological impacts of online gaming addiction include a lack of interest in other activities and feelings of anxiety when unable to play. The implications of this research include educational awareness of game use, development of educational games, the active role of parents and educators, as well as the development of time management skills.
The Importance of Student Development in Selecting College Majors According to Their Interests and Talents at Man 5 Tasikmalaya Suhaimi, Nurnisaa binti Abdullah; Kalfin, Kalfin; Saputra, Moch Panji Agung
International Journal of Ethno-Sciences and Education Research Vol. 4 No. 2 (2024): International Journal of Ethno-Sciences and Education Research (IJEER)
Publisher : Research Collaboration Community (Rescollacom)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijeer.v4i2.619

Abstract

Choosing a college major is one of the important stages that students at the upper secondary level must go through. The decision to choose the right college major will greatly determine the future and success of students after graduation and they will not face difficulties during the study process. MAN 5 Tasikmalaya is one of the leading madrasah aliyah in Tasikmalaya which has experience in developing and guiding its students. As a school that has quite good quality, MAN 5 Tasikmalaya is required to provide maximum guidance to students in choosing college majors according to their interests and talents. It is hoped that MAN 5 Tasikmalaya students can discover their academic interests and talents from an early age so that they can make a decision on the right college major. appropriate. Good coaching will certainly be very beneficial for the future of students. This research aims to analyze the guidance for selecting college majors carried out at MAN 5 Tasikmalaya in helping students determine study programs that suit their interests and talents. The research results show that the coaching carried out by MAN 5 Tasikmalaya is quite effective in helping students determine their college major according to their interests and talents. However, the quality and quantity of coaching needs to continue to be improved by involving various internal and external parties at the school. The more optimal the coaching is, the more MAN 5 Tasikmalaya graduates will choose the right college major based on their interests and talents, so that they can achieve success in the future.
Game Online dan Kesehatan Mental Generasi Z: Studi Kasus pada Remaja Pria di SMK MAN 5 Tasikmalaya Azahra, Astrid Sulistya; Kalfin, Kalfin; Hidayana, Rizki Apriva
International Journal of Ethno-Sciences and Education Research Vol. 4 No. 3 (2024): International Journal of Ethno-Sciences and Education Research (IJEER)
Publisher : Research Collaboration Community (Rescollacom)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijeer.v4i3.712

Abstract

This research investigates the impact of online games on the mental health of Generation Z, with a focus on male adolescents at SMK MAN 5 Tasikmalaya. Quantitative research methods were used to collect data through questionnaires regarding the duration of playing online games and observations of mental health. The results of data analysis show that there is a significant relationship between the duration of playing online games and mental health in male adolescents. It was found that online gaming addiction can result in decreased mental health, including social isolation, decreased academic performance, and emotional disorders. Therefore, efforts need to be made to manage the use of online games wisely to minimize the negative impact on Generation Z's mental health.
The Impact of Online Gambling on Marital Relationships and Divorce Rates: A Literature Review Pirdaus, Dede Irman; Kalfin, Kalfin; Salih, Yasir
International Journal of Ethno-Sciences and Education Research Vol. 4 No. 3 (2024): International Journal of Ethno-Sciences and Education Research (IJEER)
Publisher : Research Collaboration Community (Rescollacom)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijeer.v4i3.721

Abstract

The prevalence of online gambling has soared in recent years, posing a significant threat to marital relationships and divorce rates. This research examines the impact of online gambling on marital relationships and levels of peace through comprehensive literature insights. This study analyzes the development of online gambling, the factors that encourage participation, the psychological impact, and its influence on marital dynamics. Findings show that online gambling can significantly damage marital relationships, cause financial conflict, reduce the quality of communication, and increase the risk of divorce. Statistical data from Indonesia shows an increase in gambling-related divorce cases in the last five years, with a peak in 2023. This research highlights the need for multi-faceted interventions, including stricter regulations, public awareness campaigns and support services for affected families to reduce Negative effects of online gambling on marriage.
Insurance Premium Determination Model Using The Cobb-Douglas Regression Method On Shallot Production Saudi, Jeremi Heryandi; Kalfin, Kalfin; Diantini, Ni Luh Sri
Mathline : Jurnal Matematika dan Pendidikan Matematika Vol. 10 No. 4 (2025): Mathline : Jurnal Matematika dan Pendidikan Matematika
Publisher : Universitas Wiralodra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/mathline.v10i4.1051

Abstract

The production risk of shallots is very high due to their vulnerability to pest attacks, diseases, and climate change, which creates uncertainty that may cause significant losses for farmers. Insurance protection has therefore become a necessity as an effort to mitigate financial losses and maintain farmers’ stability even in the event of crop failure. Accordingly, this study aims to analyze the production factors of shallots in determining agricultural insurance premiums. The study employs the Cobb-Douglas production function to analyze production factors and the pure premium model to calculate shallot insurance premiums. Data were collected through questionnaires distributed to shallot farmers in Tasikmalaya Regency, with 50 respondents included in the analysis. Based on the results, the determination of shallot insurance premiums using the expectation principle produces higher premium values compared to the standard deviation principle. Premiums under the expectation principle are more sensitive to risk variation, whereas the standard deviation principle tends to yield more conservative and relatively stable premiums. The analysis applies the Cobb-Douglas regression model, with shallot production (Y) as the dependent variable, and land area (X1), seeds (X2), fertilizer (X3), pesticide use (X4), and labor (X5) as independent variables, resulting in a coefficient of determination (R²) of 96.2%. The findings imply that the expectation principle is more appropriate for calculating insurance premiums under conditions of high and fluctuating production risk, while the standard deviation principle is more suitable for relatively stable risk conditions. These results can serve as a basis for formulating agricultural insurance policies that are adaptive to risk variation, while simultaneously promoting more effective financial protection for shallot farmers.