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All Journal Cakrawala Pendidikan Jurnal Studi Jender SRIKANDI Jurnal Matematika PIRAMIDA Buletin Udayana Mengabdi Udayana Journal of Social Sciences and Humanities (UJoSSH) JOURNAL SCIENTIFIC OF MANDALIKA (JSM) Innovative: Journal Of Social Science Research Public Service And Governance Journal E-Jurnal Matematika
Desak Putu Eka Nilakusmawati
Mathematics Department, Faculty Of Mathematics And Natural Sciences, Udayana University
Humanities Computer Science & IT Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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PERHITUNGAN PREMI BULANAN ASURANSI DANA PENSIUN MENGGUNAKAN METODE AGGREGATE COST PADA ASURANSI JIWA SEUMUR HIDUP MIA NUR FATAYATIN; I NYOMAN WIDANA; DESAK PUTU EKA NILAKUSMAWATI
E-Jurnal Matematika Vol. 14 No. 3 (2025)
Publisher : Mathematics Department, Faculty of Mathematics and Natural Sciences, Udayana University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/MTK.2025.v14.i03.p489

Abstract

Pension insurance is a long-term financial program managed by an official institution. The premium, as the participant’s mandatory contribution, is determined by the type of product and the annuity chosen. Monthly premiums in a pension program play an important role in ensuring that participants receive benefits once they reach retirement age. This study aims to explain how monthly premiums are calculated using the Aggregate Cost Method in pension insurance programs. This method is chosen because it takes into account the participant’s average salary during their working years. The calculation is carried out by estimating all future benefit payments, which are then discounted using an assumed interest rate and survival probabilities based on mortality assumptions. The research uses data from employees who started working at the ages of 22, 25, and 30, in order to show how the entry age affects the amount of monthly premiums. The results indicate that both the monthly premium and the retirement benefits vary depending on the age at which the participant begins contributing. The earlier a person starts paying premiums, the lighter the financial burden they carry.
PENENTUAN KINERJA PORTOFOLIO PADA SAHAM INVESTOR33 MENGGUNAKAN METODE GARCH DAN EWMA BERBASIS PADA INDEKS SHARPE ULFA MAULIDA; KOMANG DHARMAWAN; DESAK PUTU EKA NILAKUSMAWATI
E-Jurnal Matematika Vol. 14 No. 3 (2025)
Publisher : Mathematics Department, Faculty of Mathematics and Natural Sciences, Udayana University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/MTK.2025.v14.i03.p488

Abstract

Assessing stock portfolio peirformancei is a cruicial steip in deiteirmining an optimal inveistmeint strateigy. This stuidy aims to analyzei thei peirformancei of thei Inveistor33 stock portfolio uising thei GARCH (Geineiralizeid Auitoreigreissivei Conditional Heiteiroskeidasticity) and EiWMA (Eixponeintially Weiighteid Moving Aveiragei) volatility eistimation meithods, which arei thein evaluated uising thei Sharpei indeix as a risk-to-reituirn indicator. Thei daily stock pricei data uiseid comeis from 33 seileicteid stocks activeily tradeid on thei Indoneisia Stock Eixchangei duiring a speicific obseirvation peiriod. Thei volatility eistimateis from both meithods arei uiseid to calcuilatei risk-adjuisteid portfolio reituirns. Thei Sharpei indeix is thein applied to asseiss thei portfolio's eifficieincy in geineirating reituirns reilativei to thei volatility eincouinteireid. Thei stuidy findings indicatei a significant diffeireincei in portfolio peirformancei beitweiein thei reisuilts calcuilateid uising thei GARCH and EiWMA meithods, with thei GARCH meithod teinding to providei morei accuiratei volatility eistimateis in volatilei markeit conditions. Thuis, thei choicei of volatility eistimation meithod significantly influieinceis risk asseissmeint and inveistmeint deicisions baseid on thei Sharpei indeix.
Pengelompokan Provinsi Di Indonesia Berdasarkan Indikator Kesehatan Balita Menggunakan Metode Agglomerative Clustering Ana Fikria; I Komang Gede Sukarsa; I Putu Winada Gautama; Made Ayu Dwi Octavanny; Anggun Yuliarum Qur’ani; Desak Putu Eka Nilakusmawati
Journal Scientific of Mandalika (JSM) e-ISSN 2745-5955 | p-ISSN 2809-0543 Vol. 7 No. 1 (2026)
Publisher : Institut Penelitian dan Pengembangan Mandalika Indonesia (IP2MI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/10.36312/vol7iss1pp71-80

Abstract

Child Health is a crucial indicator in assessing the overall health of a population. However, there are disparities between provinces in terms of healthcare access, immunization coverage, and child nutrition status. Therefore, this study aims to cluster 38 provinces in Indonesia based on infant health indicators using the Agglomerative Hierarchical Clustering method. The data used is sourced from the 2023 Indonesian Health Profile Report, with variables including neonatal visit coverage, complete basic immunization, infant weighing, and the prevalence of infants with severe underweight, stunting, and malnutrition. The five agglomerative methods applied in this study are Single Linkage, Complete Linkage, Average Linkage, Centroid, and Ward. The results indicate disparities in child health conditions across provinces, with clusters representing regions with good, moderate, and poor conditions. These findings can serve as a reference for the implementation of the Free Nutritious Meal Program (MBG) in 2025 to better target areas with high vulnerability, in order to reduce stunting rates and improve overall child nutritional status.
ANALISIS SISA HASIL USAHA (SHU) KOPERASI DI INDONESIA MENGGUNAKAN REGRESI DATA PANEL VANESSA ANGELICA HERIYANTO; I GUSTI AYU MADE SRINADI; DESAK PUTU EKA NILAKUSMAWATI
E-Jurnal Matematika Vol. 15 No. 3 (2026)
Publisher : Mathematics Department, Faculty of Mathematics and Natural Sciences, Udayana University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/MTK.2026.v15.i03.p521

Abstract

Cooperatives are a vital pillar of the Indonesian economy aimed at improving member welfare, as reflected in the Surplus of Operations (SHU). This study aims to analyze the influence of the number of members, equity, business volume, and external capital on the SHU of Indonesian cooperatives at the provincial level from 2017 to 2023. Given the potential for multicollinearity among independent variables, the research method employs panel data regression analysis integrated with a Ridge Regression approach to produce more stable parameter estimates. The models estimated include the Common Effect Model (CEM), Fixed Effect Model (FEM), and Random Effect Model (REM), with the best model selected using the Chow and Hausman tests. To ensure estimation accuracy against heteroskedasticity and autocorrelation, this study applies the Robust Standard Error procedure. The results show that the Fixed Effect Model (FEM) with individual effects integrated with Ridge Regression is selected as the best model, yielding an R-squared value of 88.45%. The analysis reveals that equity and business volume have a significant effect on SHU.
PEMODELAN REGRESI DATA PANEL PADA POLA KEMISKINAN: STUDI KASUS KABUPATEN/KOTA DI PROVINSI BALI NI KADEK NITA PRATIWI; GUSTI PUTU RADHA MAHARANI; MADE SUSILAWATI; DESAK PUTU EKA NILAKUSMAWATI
E-Jurnal Matematika Vol. 15 No. 3 (2026)
Publisher : Mathematics Department, Faculty of Mathematics and Natural Sciences, Udayana University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/MTK.2026.v15.i03.p522

Abstract

Poverty remains one of the key indicators of development success and continues to challenge in Bali Province. This study combines panel data regression with comprehensive diagnostic testing and spatial analysis using Local Indicators of Spatial Association (LISA) to examine the determinants of the Poverty Rate (PR) across nine regencies/cities in Bali Province, using 72 observations from 2017–2024. Independent variables include economic growth (EG), unemployment rate (UR), district/city minimum wage in natural logarithm form ( ), and average years of schooling (AYS). Three panel data approaches were estimated, namely the Common Effect Model (CEM), Fixed Effect Model (FEM), and Random Effect Model (REM). Based on the Chow and Hausman tests, FEM was selected as the best model. Diagnostic tests revealed autocorrelation and cross-sectional dependence, so inference relied on Arellano robust standard errors. The results show that minimum wage and average years of schooling significantly reduce poverty, while economic growth and unemployment rate are not significant. LISA analysis identified a significant Low-Low cluster in Denpasar, reflecting spatial spillover in southern Bali. These findings highlight minimum wage policy, education access, and place-based regional strategies as key instruments for poverty reduction.
Co-Authors A.A DWI MARSITA ANGGRAENI Adi Ningtias, D. Novia AGUSTINA PAULA THERESIA PUTRI LAHALLO AGUSTINUS ANGELAUS ETE Ana Fikria Andini Ni Kadek Anggun Yuliarum Qur’ani DAIMATUL KHOIRIYAH Desak Made Kutha Adhya Wagiiswari DEVI NANDITA. N DEWA AYU AGUNG PUTRI RATNASARI EKA ARISTA ANJASARI EKA VIRGIA PURWANTI ELVINA LIADI G. K. GANDHIADI G.K. GANDHIADI Gde Nitiyasa GUSTI PUTU RADHA MAHARANI I Gede Arsana Wijaya I GEDE BAGUS PASEK SUBADRA I GEDE GANDEVA UMBARA I Gusti Ayu Agung Citra Santika Dewi I Gusti Ayu Made Srinadi I GUSTI NGURAH ARYA WANAYASA I KOMANG GDE SUKARSA I Komang Gede Sukarsa I NYOMAN BRYAN ANDIKA I Nyoman Widana I Putu Eka Nila Kencana I PUTU OKA PARAMARTHA I Putu Winada Gautama I Wayan Sumarjaya ICHA WINDA DIAN SAFIRA Ida Ayu Agung Diah Janawati Indah Wulantari, A.A. Istri INTAN LESTARI Ita Wulandari, Ni Gusti Ayu IYOS ALFRANTA SURBAKTI JOKO HADI APRIANTO K. Sari KADEK ANDREI PRABAWA Komang Dharmawan L. G. Astuti LIA JENITA LUH PUTU IDA HARINI LUH PUTU SAFITRI PRATIWI LUSIA EMITRIANA MAGOL M Susilawati MADE AYU DWI OCTAVANNY Made Susilawati Merylin Rafael Sitohang MIA NUR FATAYATIN MUHAMAD RIFAI NI KADEK LESTARI PUTRI NI KADEK NITA PRATIWI Ni Ketut Tari Tastrawati NI LUH PUTU RATNA DEWI Ni Luh Putu Suciptawati Ni Made Asih Ni Made Puspawati NI PUTU SRI YULI ARTINI NISA HIDAYATI PUTRI DAMEYANTI RAIN FERNANDO BANGUN SARIFUL MUNAWAROH SITTI HAJAR TJOKORDA GDE AGUNG FRISKA ADNYANA ULFA MAULIDA VANESSA ANGELICA HERIYANTO ZAKIAH NURLAILA