Claim Missing Document
Check
Articles

Pemberdayaan Ekonomi Lokal melalui Sosialisasi UMKM Digital dan Diversifikasi Produk Lokal Singkong di Desa Cibatok 2 Muhammad Akbar Zidane; Muhamad Ilham Zakaria; Radinda Swasti Maharani; Rahma Nur Aini Azzahra; Epa Malasari; Nabilla Azah Azzara; Hantrisa Nurrizki; Siti Puji Rahayu; I Gusti Putu Purnaba
Jurnal Pusat Inovasi Masyarakat Vol. 8 No. 1 (2026): April 2026
Publisher : Direktorat Pengembangan Masyarakat Agromaritim, Institut Pertanian Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jpim.8.1.134-147

Abstract

Cibatok 2 Village in Cibungbulang District, Bogor Regency, has significant agricultural potential in its abundant cassava commodity; however, its use is still limited to selling raw materials, resulting in suboptimal economic added value. Local UMKM also operate with simple business models, lack professional management, and make minimal use of digital technology for marketing, leading to low product competitiveness. The UMKM digitalization extension program and local product innovation workshop for cassava leaf jerky and ecoprint crafts by the KKN-T IPB group aimed to improve UMKM owners’ understanding of digitalization and the development of cassava by-products into high-value products. The implementation methods included an initial survey, digital UMKM socialization (computerization, digitalization, e-commerce, and digital marketing), local product innovation workshops, and evaluation involving active community and UMKM groups (PEKKA) participation. Pre-test and post-test results showed a significant improvement in participants’ knowledge, with the average score increasing from 2.435 to 3.080. The program enhanced participants’ understanding of digital UMKM and the importance of local product innovation for business sustainability, resulting in innovative products such as cassava leaf jerky and cassava leaf-patterned bags using the ecoprint technique. Participants’ enthusiasm and positive feedback are expected to motivate the development of local products combined with digital marketing, thereby increasing product value, expanding market reach, and encouraging local economic growthowner. Proficiency in digital technology and creative processing of local potential can be effective strategies to strengthen the village economy; therefore, further training, continuous mentoring, and strengthened marketing strategies are recommended to ensure the sustainability of the program.
Mathematical Model of Joint Life Term Insurance Premiums under Inflation, Interest Rate, and Dependent Mortality Ine Febrianti Habel; I Gusti Putu Purnaba; Retno Budiarti
JTAM (Jurnal Teori dan Aplikasi Matematika) Vol 10, No 2 (2026): April
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jtam.v10i2.35690

Abstract

Multilife insurance refers to a contract that covers two or more lives simultaneously, with joint life insurance representing a key form in which the benefit is paid upon the first death among the insured individuals. The lifetimes of insured individuals are typically not independent, as they may be influenced by shared environmental, health, or behavioral factors, leading to mortality dependence. Inflation and interest rates also play critical roles in determining the present value of benefits and premiums. However, most previous studies have examined either mortality dependence or macroeconomic effects in isolation. This study aims to develop a comprehensive mathematical model for determining joint life term insurance premiums that simultaneously incorporates mortality dependence through the Gumbel copula and interest rate and inflation through the Fisher equation. The model integrates demographic and economic risk components within a unified actuarial valuation framework, providing a more realistic representation of premium dynamics under varying financial conditions. Simulation results indicate that premiums incorporating inflation are consistently higher than those without inflation, whereas higher nominal interest rates result in lower premium levels. These findings reflect the theoretical relationship between inflation, real interest rates, and the time value of money. The study further introduces an elasticity-based analysis that quantifies the sensitivity of premiums to changes in inflation and interest rates, demonstrating nonlinear yet economically meaningful responses across different age structures of insured spouses. The results highlight the importance of jointly modeling mortality dependence and economic variables to enhance pricing accuracy and fairness in life insurance. The proposed model offers practical relevance for actuaries in premium determination, assists insurers in risk management and product design, and supports the development of resilient pricing strategies under inflationary and interest.
Co-Authors A. D. GARNADI Adilla, Indrya Amiruddin Saleh Amri Jahi Amri Jahi Amri Jahi Auliya Fithry Aunuddin . Awatif Berlian Setiawaty D. C. LESMANA D. S. Rahmawati Daniel Happy Putra Dara Irsalina Darwis S Gani Darwis S. Gani Darwis S. Gani Darwis S. Gani Dian Puspita Dian Puspita Djoko Susanto Djoko Susanto Donny Citra Lesmana Dwi Fidiana E. H. NUGRAHANI Epa Malasari Erliana, Windiani Fatimah Fuzzaroh Fendy Septyanto Fikri, Miftahul Fikriyah, Laila Qudrah Furlo Gilbert Godfrey Hadi Sumarno Hantrisa Nurrizki I Gede Setiawan Adi Putra I W. MANGKU I W. MANGKU I Wayan Mangku I. MAULIDI I. WIDIYASTUTI Indahwati Indrya Adilla Ine Febrianti Habel Intansari, Kumala Iwan Tjitradjaja Iwan Tjitradjaja Iwan Tjitradjaja J. S. SELEKY Kelvin Gunawan Khairiati, Alfi Kurniadi Rizki Laila Qudrah Fikriyah Luky Adrianto M. FIKRI Ma'mun Sarma Maharani, Ardella Manjaruni, Vivin Aprilia Mokhamad O Royani Muh Hatta Jamil Muhamad Ilham Zakaria Muhammad Akbar Zidane Muhammad Yusuf Sulaiman Nabilla Azah Azzara Nahrul Hayati Nur Agustiani Pang S. Asngari Pang S. Asngari Prihandoko . Prihandoko Prihandoko Prihandoko S Prihandoko S Purwoko, Agus R. BUDIARTI Radinda Swasti Maharani Rafika Septiany Rahma Nur Aini Azzahra Rahmah, Salsabilla Rahmawati, D. S. Retno Budiarti Rizki, Kurniadi Ruhiyat Ruhiyat Ruhiyat Ruhiyat Ruhiyat, Ruhiyat S. ARTIKA S. NURDIATI S. UTAMI Sapar . Sapar Sapar Septiany, Rafika Setyawan, Binar Aulia Siti Puji Rahayu Sugiyanta Sugiyanta Sulaiman, Muhammad Yusuf Tri Andika Julia Putra Vivin Manjaruni W. ERLIANA Windiani Erliana Windiani Erliana Windiani Erliana Y. ARBI Yolwi Dyatma Yolwi Dyatma Yuda Ardiansyah Yuda Ardiansyah Yudasril Yudasril _ Aunuddin