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Pendekatan Compound Poisson-Lognormal untuk Estimasi Kerugian Agregat dan Manajemen Modal Pada Asuransi Kendaraan Khairiati, Alfi; Pujiati, Sri
SAINSTECH: JURNAL PENELITIAN DAN PENGKAJIAN SAINS DAN TEKNOLOGI Vol. 35 No. 3 (2025): Sainstech : Jurnal Penelitian dan Pengkajian Sains dan Teknologi
Publisher : Institut Sains dan Teknologi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37277/stch.v35i3.2410

Abstract

Pertumbuhan jumlah kendaraan bermotor meningkatkan kebutuhan akan asuransi sekaligus risiko klaim akibat kecelakaan, pencurian, maupun bencana alam. Hal ini menimbulkan tantangan bagi perusajaan asuransi dalam menjaga keseimbangan premi, klaim, dan modal berbasis risiko. Permasalahan utamanya adalah bagaimana memodelkan kerugian agregat tahunan secara akurat untuk mendukung penetapan premi, perencanaan Risk-Based Capital (RBC), dan strategi reasuransi. Penelitian ini menggunakan pendekatan Compound Poisson-Lognormal dengan estimasi parameter dari data historis. Simulasi Monte Carlo dilakukan untuk menghasilkan distribusi kerugian agregat dan menghitung ukuran risiko berupa nilai harapan, Value-at-Risk (VaR) dan Tail Value-at-Risk (TVaR) pada tingkat kepercayaan 95% dan 99%. Hasil menunjukkan rata-rata kerugian tahunan sebesar Rp. 4,89 miliar, dengan  Rp. 8,72 miliar dan    Rp. 9,53 miliar. Analisis skenario premi (20%, 30%, 40%) menegaskan bahwa target modal berbasis TVaR memberikan margin keamanan lebih baik. Evaluasi retensi reasuransi menemukan titik optimal ketika biaya premi setara dengan penghematan modal, sementara stress testing (+20% frekuensi atau +30% severitas) meningkatkan kebutuhan modal lebih dari 15%. Kerangka ini memberikan dasar kuantitatif bagi perusahaan asuransi dalam menetapkan premi, mengelola RBC, dan mengoptimalkan perlindungan reasuransi.  Kata kunci: Compound Poisson-Lognormal, RBC, Simulasi Monte Carlo, TVaR, VaR.  
The Role of Monitoring and Evaluation of Teacher Performance Systems in Elementary Schools to Improve School Quality Agustina, Agustina; Pujiati, Sri; Elfrianto, Elfrianto
Indonesian Journal Education Vol. 2 No. 1 (2023): Indonesian Journal Education (IJE)
Publisher : Lembaga Riset Mutiara Akbar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56495/ije.v2i1.522

Abstract

This study discusses the importance of implementing a system for monitoring and evaluating teacher performance in elementary schools as an effort to enhance the quality of education. This approach enables schools to regularly monitor and evaluate teacher performance, identify areas in need of improvement, and provide appropriate support to teachers. Challenges in measuring and enhancing teacher performance include differences in educational backgrounds, limited resource availability, and evolving curriculum demands. However, through the monitoring and evaluation system, schools can address these challenges by conducting regular data collection, data analysis, and development of relevant strategies. The benefits of implementing this system include improved quality of teaching and learning in classrooms, teacher performance enhancement, increased student achievement, more effective resource management, enhanced school accountability, and the development of a sustainable learning culture. Recommendations for implementing this system include establishing adequate infrastructure, providing training for school staff, fostering a culture of continuous learning, involving all stakeholders, and using findings from data analysis to design relevant professional development programs. It is hoped that the implementation of the teacher performance monitoring and evaluation system will become more effective in enhancing the quality of education in elementary schoolsThis study discusses the importance of implementing a system for monitoring and evaluating teacher performance in elementary schools as an effort to enhance the quality of education. This approach enables schools to regularly monitor and evaluate teacher performance, identify areas in need of improvement, and provide appropriate support to teachers. Challenges in measuring and enhancing teacher performance include differences in educational backgrounds, limited resource availability, and evolving curriculum demands. However, through the monitoring and evaluation system, schools can address these challenges by conducting regular data collection, data analysis, and development of relevant strategies. The benefits of implementing this system include improved quality of teaching and learning in classrooms, teacher performance enhancement, increased student achievement, more effective resource management, enhanced school accountability, and the development of a sustainable learning culture. Recommendations for implementing this system include establishing adequate infrastructure, providing training for school staff, fostering a culture of continuous learning, involving all stakeholders, and using findings from data analysis to design relevant professional development programs. It is hoped that the implementation of the teacher performance monitoring and evaluation system will become more effective in enhancing the quality of education in elementary schools
PENINGKATAN HASIL BELAJAR SISWA PADA PEMBELAJARAN IPS DENGAN MENGGUNAKAN PENDEKATAN CONTEXTUAL TEACHING LEARNING (CTL) DI SD PUJIATI, SRI
e-Jurnal Inovasi Pembelajaran Sekolah Dasar Vol 1, No 1 (2013): (Januari-Juli) e-JIPSD
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (147.256 KB) | DOI: 10.24036/e-jipsd.v1i1.531

Abstract

This research base of fach in field that study of IPS in Class IV SD N 01 Sasak West Pasaman,Teacher still predominate studies process and cannot entangle student participation directly. The condition result make lower result of learning study of IPS as according to KKM which have been specified that is 70. Therefore not conducted by research with aim to increase result of learning IPS by using contextual teaching learning of according to wina ( 2009 : 255 ). In Class IV SD N 01 Sasak West Pasaman. That research use Approach qualitative and is quantitative, while this Type research that is Research Action Class (PTK ) with this Device research cover, (1) Planing, (2) Execution, (3) perception / observation, ang (4) Refleksi. Result of research be grow up result of RPP, execution, and result learn student. Become can be concluded that study of IPS by using contextual teaching learning (CTL) can improve result learn IV SD N class student 01 Sasak west Pasaman. Kata kunci : Hasil Belajar; Pembelajaran IPS; Pendekatan Contextual Teaching Learning (CTL )
PENINGKATAN HASIL BELAJAR SISWA PADA PEMBELAJARAN IPS DENGAN MENGGUNAKAN PENDEKATAN CONTEXTUAL TEACHING LEARNING (CTL) DI SD PUJIATI, SRI
e-Jurnal Inovasi Pembelajaran Sekolah Dasar Vol 1, No 1 (2013): (Januari-Juli) e-JIPSD
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/e-jipsd.v1i1.531

Abstract

This research base of fach in field that study of IPS in Class IV SD N 01 Sasak West Pasaman,Teacher still predominate studies process and cannot entangle student participation directly. The condition result make lower result of learning study of IPS as according to KKM which have been specified that is 70. Therefore not conducted by research with aim to increase result of learning IPS by using contextual teaching learning of according to wina ( 2009 : 255 ). In Class IV SD N 01 Sasak West Pasaman. That research use Approach qualitative and is quantitative, while this Type research that is Research Action Class (PTK ) with this Device research cover, (1) Planing, (2) Execution, (3) perception / observation, ang (4) Refleksi. Result of research be grow up result of RPP, execution, and result learn student. Become can be concluded that study of IPS by using contextual teaching learning (CTL) can improve result learn IV SD N class student 01 Sasak west Pasaman. Kata kunci : Hasil Belajar; Pembelajaran IPS; Pendekatan Contextual Teaching Learning (CTL )
Physiological Responses and Agronomic Characters of Local Rice (Oryza sativa L.) Varieties from Rokan Hilir to Salinity (NaCl) Stress Pujiati, Sri; Adiwirman, Adiwirman; Herman, Herman
Jurnal Biologi Tropis Vol. 25 No. 4b (2025): Special Issue
Publisher : Biology Education Study Program, Faculty of Teacher Training and Education, University of Mataram, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jbt.v25i4b.11103

Abstract

Rokan Hilir District, tidal swamp areas have potential for rice cultivation but often experience rising salinity due to seawater intrusion. This study aimed to analyze the physiological responses and agronomic characteristics of two local varieties, Sigudang and Sikuning, under different salinity levels, and to identify inter-parameter relationships associated with varietal tolerance. The experiment using a Completely Randomized Design (CRD) with two factors: local rice varieties (Sigudang and Sikuning) and four salinity levels (0, 2500, 5000, and 7500 ppm), each replicated five times. Data were analyzed using ANOVA at the 5% level, followed by the BNJ test at 5%, and correlation analysis to determine relationships among parameters. The results of the study showed that salinity stress had a significant effect on almost all physiological parameters and agronomic traits, with reductions at the highest salinity level ranging from 22-76%. Correlation analysis revealed very strong relationships (r > 0,80) between physiological parameters and agronomic traits, indicating that reductions in physiological function due to salinity directly contribute to decreased growth and yield. Conversely, days to maturity showed negative correlations with most parameters, indicating that prolonged maturity reflects a stress response rather than an indicator of tolerance.
PERKEMBANGAN KONSEP DAN TEORI DALAM PENELITIAN PENDIDIKAN AGAMA ISLAM: PERUBAHAN PARADIGMA, ALIRAN PEMIKIRAN, DAN KRITIK TEORITIK Sri Pujiati; Hanifatun Nisa; Mardiah Astuti; Hartati
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 No. 2, Juni 2026 Publish
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i02.45270

Abstract

Penelitian ini bertujuan untuk menganalisis fenomena penyalahgunaan cadar di masa kini dalam perspektif hadis, dengan fokus pada praktik crosshijaber dan tindak pencurian. Metode yang digunakan adalah penelitian kualitatif dengan pendekatan kajian pustaka (library research), melalui pengumpulan dan analisis berbagai sumber literatur yang relevan. Hasil penelitian menunjukkan bahwa penyalahgunaan cadar terjadi akibat kurangnya pemahaman terhadap adab dan tujuan syar’i dalam penggunaannya, di mana cadar sering dipandang hanya sebagai penutup wajah semata. Fenomena crosshijaber dan pencurian dengan menggunakan cadar semakin marak, terutama di media sosial dan ruang publik, sehingga menimbulkan stigma negatif terhadap pengguna cadar yang sebenarnya. Dalam perspektif hadis, tindakan menyerupai lawan jenis dan pencurian merupakan perbuatan yang dilarang dalam Islam, sehingga penggunaan cadar untuk tujuan tersebut bertentangan dengan nilai-nilai syariat. Penelitian ini menegaskan bahwa cadar seharusnya digunakan sebagai bentuk ketaatan dan penjagaan kehormatan, bukan sebagai alat untuk melakukan penyimpangan.
ANALISIS FAKTOR- FAKTOR YANG MEMPENGARUHI MARJIN PEMASARAN KARET RAKYAT DI DESA TAPANG PULAU KECAMATAN BELITANG HILIR KABUPATEN SEKADAU Pujiati, Sri; Kusrini, Novira; Kurniati, Dewi
Jurnal Sains Pertanian Equator Vol. 2 No. 3: Desember 2013
Publisher : Fakultas Pertanian Universitas Tanjungpura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/jspe.v2i3.4099

Abstract

Tujuan penelitian ini adalah untuk menganalisis faktor- faktor yang mempengaruhi marjin pemasaran dan menganalisis elastisitas transmisi harga yang terjadi dalam pemasaran karet rakyat di Desa Tapang Pulau Kecamatan Belitang Hilir Kabupaten Sekadau. Metode penelitian dilakukan dengan metode survei. Lokasi penelitian ditentukan secara sengaja (purposive), yaitu di Desa Tapang Pulau Kecamatan Belitang Hilir Kabupaten Sekadau sebagai daerah penilitian dengan pertimbangan bahwa daerah ini merupakan wilayah yang terluas pengguanaan lahan karetnya bila dibandingkan dengan desa lain yang ada di kecamatan Belitang Hilir. Pengambilan jumlah sampel penelitian dilakukan dengan menggunakan Stratified random sampling. Hasil penelitian menunjukkan bahwa faktor- faktor yang mempengharuhi marjin pemasaran karet lump adalah harga ditingkat petani (X1) , jumlah lembaga pemasaran yang dilalui (X3) dan jarak petani denganbarik (X4). Nilai elastisitas transmisi harga pada pemasaran karet lump di Desa Tapang Pulau untuk saluran pemasaran I sebesar 0,0903, saluran pemasaran II dan III sebesar 0,078. Nilai elastisitas transmisi harga yang diperoleh untuk semua saluran pemasaran lebih kecil dari 1, Artinya setiap perubahan harga ditingkat pengecer sebesar 1% maka akan mengakibatkan perubahan harga kurang dari 1% ditingkat produsen (petani). Kata kunci : Karet Lump, Marjin Pemasaran, Transmisi Harga