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All Journal LOGIK@ CAUCHY: Jurnal Matematika Murni dan Aplikasi Phenomenon : Jurnal Pendidikan MIPA Mimbar Agribisnis: Jurnal Pemikiran Masyarakat Ilmiah Berwawasan Agribisnis Jurnal Matematika: MANTIK Risâlah, Jurnal Pendidikan dan Studi Islam Desimal: Jurnal Matematika Limits: Journal of Mathematics and Its Applications M A T H L I N E : Jurnal Matematika dan Pendidikan Matematika Jurnal Matematika UNAND Jurnal Mantik Vygotsky: Jurnal Pendidikan Matematika dan Matematika Jurnal Ilmiah Matematika dan Pendidikan Matematika (JMP) InPrime: Indonesian Journal Of Pure And Applied Mathematics Majalah Ilmiah Matematika dan Statistika (MIMS) Jurnal Lebesgue : Jurnal Ilmiah Pendidikan Matematika, Matematika dan Statistika Jambura Journal of Biomathematics (JJBM) Tarbiyatuna: Jurnal Pendidikan Ilmiah PROSISKO : Jurnal Pengembangan Riset dan observasi Rekayasa Sistem Komputer Jurnal Matematika Integratif Limits: Journal of Mathematics and Its Applications
Irma Fauziah
Unknown Affiliation
Agriculture, Biological Sciences & Forestry Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Languange, Linguistic, Communication & Media Mathematics Mechanical Engineering Physics Social Sciences Transportation

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Journal : M A T H L I N E : Jurnal Matematika dan Pendidikan Matematika

 1 
Tabarru’ Fund Sharia Insurance Using The 2019 Mortality Table, Mortality Law and Cost of Insurance Method Wulandari, Fitria Sisca; Fauziah, Irma; Fitriyati, Nina
Mathline : Jurnal Matematika dan Pendidikan Matematika Vol. 8 No. 4 (2023): Mathline: Jurnal Matematika dan Pendidikan Matematika
Publisher : Universitas Wiralodra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/mathline.v8i4.542

Abstract

The sharia life insurance program has two ways of managing funds, namely involving a savings element and not involving a savings element. Programs that do not involve a savings element do not have a clear division of tabarru’ funds that must be paid participant so it is the company's job to calculate it . In calculating the percentage of tabarru' funds used method Cost of Insurance (COI) . The COI method is method for calculating tabarru’ funds  with using several parameters, namely mortality tables , investment value , management fees and discount factors . In this research, we will discuss how to obtain tabarru' funds using the 2019 Indonesian mortality table and the 2019 Indonesian mortality table with the Gompertz mortality law, Makeham mortality law and De Moivre mortality law. with method Cost of Insurance . Based on the case illustration, the results show that the tabarru' funds that must be paid by participants are directly proportional to the participant's age, management fees and insurance money, but inversely proportional to the investment value. Tabarru' funds will be greater if using the De Moivre mortality table so this can be a consideration for the company while the Makeham mortality table can be a consideration for participants.
Comparative Study of Data Generation for Normal, Lognormal, and Gamma Distributions using PLS and Usury Models Handarbeni, Zalfa Talitha; Fauziah, Irma; Fitriyati, Nina
Mathline : Jurnal Matematika dan Pendidikan Matematika Vol. 8 No. 4 (2023): Mathline: Jurnal Matematika dan Pendidikan Matematika
Publisher : Universitas Wiralodra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/mathline.v8i4.543

Abstract

Mathematical modeling in the world of economics and banking has particular relevance, especially in terms of providing capital for business activities, particularly for Micro, Small, and Medium Enterprises (MSMEs). Currently, banking activities are predominantly dominated by conventional banks that apply interest, which in Islamic Sharia is considered as riba, and it is incumbent upon Muslims to avoid riba and conduct all their affairs in accordance with Islamic Sharia. This research discusses a mathematical model of a profit-loss sharing system in accordance with Islamic Sharia using the profit-loss sharing model scheme, which is one of the investment models in Islamic finance with a musyarakah contract. The data is derived from the daily profit and loss of a micro trader for the period of September 2023 in Cijantung, East Jakarta, which is then generated for periods of 35, 40, and 50 days, following normal, lognormal, and gamma distributions, with an investment capital of Rp 1,500,000, Rp 3,000,000, and Rp 4,500,000, and profit-sharing portions of 2%, 5%, and 7%. This research is capable of demonstrating a profit-sharing scheme and optimization functions in profit distribution, as well as determining parameters that are more advantageous for traders and capital owners compared to the usury model because the imposed penalties are considered burdensome for the public. Generating data following a normal distribution provides a more realistic profit-sharing scheme but a lognormal and gamma distribution yields the largest profit-sharing portion for investor and trader.
Co-Authors Achmad Reza Fahcruroji Alfina Nur Safitri Ana Nurhasanah Ayu Amalia Azizah, Maghvirotul Bagus Fajar Apriyanto Cahyaningtyas, Nur Indah Elisda Mieldhania Zhafirah Eti Hartati Fadhilah, Muhammad Luthfie Fahcruroji, Achmad Reza Handarbeni, Zalfa Talitha Inna, Suma Jefry Apriyanto Kurnia, Hafsah Laili Nahlul Farih Liska Simamora Madona Yunita Wijaya Muhammad Manaqib, Muhammad Mujiyanti Mujiyanti Nadilia, Nindita Nina Fitriyati Nina Fitriyati Nindita Nadilia Novitaningrum, Restie NURLIANA NURLIANA Priska Maya Putri Priska Maya Putri Putri, Levana Masitajasmin Rahmaningtyas, Avivah Santoso, Ary Suma Inna Suma Inna Taufik Edy Sutanto Wahyu Triwulan Asih Wahyuningrum, Dinar Wijaya, Madona Yunita Wulandari, Fitria Sisca