Claim Missing Document
Check
Articles

PEMODELAN KREDIBILITAS BÜHLMANN-STRAUB UNTUK DATA FREKUENSI KLAIM BERDISTRIBUSI POISSON-SUJATHA Evania Putri; Aceng Komarudin Mutaqin
RAGAM: Journal of Statistics & Its Application Vol 4, No 1 (2025): RAGAM: Journal of Statistics & Its Application
Publisher : Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/ragam.v4i1.14679

Abstract

Motor vehicle insurance provides compensation for damage or loss incurred by motor vehicles. In determining credibility values, claim frequency data is required. Sometimes, this claim frequency data contains overdispersion issues, necessitating alternative methods for modeling claim frequency using a mixture distribution. The mixture distribution used in this research is the Poisson-Sujatha mixture distribution. The credibility method employed is an advancement of the Bühlmann method, known as the Bühlmann-Straub credibility method. The BühlmannStraub credibility model has been successfully applied in various insurance contexts, previously used in modeling with the Negative Binomial-Lindley distribution in 2023, yielding significant results. Before applying the credibility model, the parameters of the PoissonSujatha distribution are estimated using the maximum likelihood estimation method. The goodness-of-fit test used in this research is the chi-squared goodness-of-fit test. The research data consists of secondary claim frequency data for motor vehicle insurance recorded by PT. X in Category 1 (passenger transport with coverage values between Rp 0 to Rp 125,000,000) in Region 2 (DKI Jakarta, West Java, and Banten) for 2018 and 2019. Based on the application of this claim frequency data, the Bühlmann-Straub credibility factor is close to 1, indicating that the processed data has a significant impact on estimating the average future claim frequency. The estimated average motor insurance claim frequency for Indonesia, Category 1, Region 2, in 2020 is 0.0041, meaning that if there are 10,000 insurance policyholders in 2020, approximately 41 partial loss claims are expected.
Penerapan Model Kredibilitas Bühlmann Pada Data Frekuensi Klaim Asuransi Kendaraan Bermotor Di Indonesia Yang Berdistribusi Poisson-Amarendra Aliya Maharani; Aceng Komarudin Mutaqin
RAGAM: Journal of Statistics & Its Application Vol 4, No 2 (2025): RAGAM: Journal of Statistics & Its Application
Publisher : Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/ragam.v4i2.16591

Abstract

In motor vehicle insurance, policyholders are required to pay a premium to the insurance company. One method to assist insurance companies in determining premiums is credibility theory. One model from this approach is the Bühlmann credibility model. Generally, claim frequency data is overdispersed. There are various distributions suitable for addressing overdispersion, one of which is the Poisson-Amarendra distribution. The method used to estimate the parameters of the Poisson-Amarendra is the maximum likelihood method. The research material used is motor vehicle insurance data in Indonesia for the year 2019, recorded by PT. X, categorized into 8 categories and 3 regions. The results of the Chi-Square goodness-of-fit test show that the claim frequency data from the population distributed by the Poisson-Amarendra distribution includes category 2 in region 1 and category 6 in region 3. The results of applying the Bühlmann credibility model yield a credibility factor of 0.0029 for category 2 in region 1 and 0.0101 for category 6 in region 3. The estimated average claim frequency for motor vehicle insurance in the next period for category 2 in region 1 is 0.0029. This means that if the number of insurance policyholders in 2020 is the same as in 2019, which is 15,878, an estimated 46 partial loss claims will occur. The estimated average claim frequency for category 6 in region 3 is 0.0102, with an estimated 44 partial loss claims occurring in 2020, assuming the number of policyholders in 2020 remains the same as in 2019, which is 4,313.
Pengelompokan Kabupaten/Kota di Jawa Barat Berdasarkan Akses Air Minum dan Sanitasi Layak Menggunakan Metode Ward Zelfa Syta Najjiny; Aceng Komarudin Mutaqin
Bandung Conference Series: Statistics 207-216
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcss.v6i2.25291

Abstract

Abstract. Access to adequate drinking water and sanitation remains uneven across regions in West Java Province. This study aims to cluster the 27 regencies/cities in West Java Province based on the percentage of households with access to adequate drinking water sources and adequate sanitation in 2024 using Agglomerative Clustering with Ward’s Method. The data used were obtained from Statistics Indonesia (BPS). The analysis stages included outlier detection using the Interquartile Range (IQR), multicollinearity testing using the Variance Inflation Factor (VIF), Euclidean distance calculation, and determination of the optimal number of clusters based on the Silhouette Index (SI) and Calinski–Harabasz Index (CHI). The results showed that there were no outliers or multicollinearity in the two variables. Evaluation of cluster numbers from 2 to 5 indicated that three clusters were the optimal configuration, with an SI value of 0.55 and a CHI value of 84.87. The clustering results using Ward’s Method formed Cluster 0, consisting of 13 regencies/cities with high and relatively even access to adequate drinking water and sanitation; Cluster 1, consisting of 7 regencies/cities with good access to adequate drinking water but moderate access to adequate sanitation; and Cluster 2, consisting of 7 regencies/cities with the lowest access to adequate drinking water and sanitation. These findings can serve as a basis for formulating more targeted policies for drinking water and sanitation infrastructure development in West Java Province. Keywords: Ward’s Method, adequate drinking water, adequate sanitation. Abstrak. Akses terhadap air minum dan sanitasi layak masih menunjukkan ketimpangan antarwilayah di Provinsi Jawa Barat. Penelitian ini bertujuan mengelompokkan 27 kabupaten/kota di Provinsi Jawa Barat berdasarkan persentase rumah tangga dengan akses sumber air minum layak dan sanitasi layak tahun 2024 menggunakan Agglomerative Clustering dengan Ward’s Method. Data yang digunakan bersumber dari Badan Pusat Statistik (BPS). Tahapan analisis meliputi pemeriksaan outlier menggunakan Interquartile Range (IQR), pengujian multikolinearitas menggunakan Variance Inflation Factor (VIF), perhitungan jarak Euclidean, serta penentuan jumlah klaster optimal berdasarkan Silhouette Index (SI) dan Calinski–Harabasz Index (CHI). Hasil pengujian menunjukkan tidak terdapat outlier maupun multikolinearitas pada kedua variabel. Evaluasi jumlah klaster 2 hingga 5 menunjukkan bahwa tiga klaster merupakan konfigurasi optimal dengan nilai SI sebesar 0,55 dan CHI sebesar 84,87. Hasil clustering dengan Ward’s Method membentuk Klaster 0 sebanyak 13 kabupaten/kota dengan akses air minum dan sanitasi layak yang tinggi dan merata, Klaster 1 sebanyak 7 kabupaten/kota dengan akses air minum baik namun sanitasi pada tingkat menengah, serta Klaster 2 sebanyak 7 kabupaten/kota dengan akses air minum dan sanitasi layak paling rendah. Hasil penelitian ini dapat menjadi dasar dalam perumusan kebijakan pembangunan infrastruktur air minum dan sanitasi yang lebih tepat sasaran di Provinsi Jawa Barat. Kata Kunci: Ward’s Method, air minum layak, sanitasi layak..