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All Journal Jurnal Online Mahasiswa (JOM) Bidang Matematika dan Ilmu Pengetahuan Alam Nusantara Hasana Journal Ulil Albab
Aldila Nur Indah Berliana Ratam
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Religion Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Education Mathematics Nursing Social Sciences

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CADANGAN COMMISSIONERS ASURANSI DWIGUNA DENGAN FORMULA WOOLHOUSE Aldila Nur Indah Berliana Ratam; Tumpal Parulian Nababan; Hasriati '
Jurnal Online Mahasiswa (JOM) Bidang Matematika dan Ilmu Pengetahuan Alam Vol 2, No 1 (2015): Wisuda Februari 2015
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Matematika dan Ilmu Pengetahuan Alam

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This article discusses the commissioner reserves for endowment insurance, where in determining the  annual premium is used single premium and the cash value of the  m times  annuity  payments per year by the Woolhouse’s formula.  Moreover, in determining the commissioners reserves is also used commutation functions.
THE INFLUENCE OF LITERACY AND INCOME ON PEOPLE’S DECISIONS TO HAVE INSURANCE AND PENSION PROGRAMS Anggraini, Dyah Prita; Aldila Nur Indah Berliana Ratam
Nusantara Hasana Journal Vol. 5 No. 1 (2025): Nusantara Hasana Journal, June 2025
Publisher : Yayasan Nusantara Hasana Berdikari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59003/nhj.v5i1.1481

Abstract

This study aims to determine wether there is a positive and significant relationship between insurance literacy or pension programs and people’s decisions to have insurance or pension programs, wether there is a positive and significant relationship between income and people’s decisons to have insurance or pension programs, and wether there is a positive and significant relationship between insurance literacy or pension programs and income with people’s decisions to have insurance and pension programs. The subjects of this study were respondents from the webinar “Insurance Literacy in Maintaining Finansial Stability”. The method used is the Pearson Product Moment correlation tehnique to determine the relationship between each literacy variable and income to people’s decisions to have insurance or pension programs. From the test results, it was obtained that there was a positive and significant relationship between literacy and people’s decisions to have insurance or pension programs, there was a positive and significant relationship between income and people’s decisions to have insurance literacy or pension programs, income, and people’s decisions to have insurance or pension programs. Results of this study provided information for insurance industry that people will buy insurance if they have sufficient income and a good literacy about insurance and pension programs.
ANALISIS FAKTOR YANG MEMPENGARUHI KESEHATAN KEUANGAN PERUSAHAAN ASURANSI PRUDENTIAL Ratam, Aldila Nur Indah Berliana; Azzanina, Nanda; Rivai, Muklas; Selvira, Natalia Aisa; Lase, Marie Vivien; Rohmah, Iffah Nurul; Situmorang, Anita Grace Pretty; Rinaldi, Fanny Dwi Putri; Antika, Siluh Putu Dela; Nadeak, Natasha Putri
Nusantara Hasana Journal Vol. 5 No. 3 (2025): Nusantara Hasana Journal, August 2025
Publisher : Yayasan Nusantara Hasana Berdikari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59003/nhj.v5i3.1595

Abstract

The financial health of an insurance company is a crucial aspect that must be ensured to maintain its ability to manage risks. The insurance industry plays a significant role in economic growth through risk transfer mechanisms. This study aims to analyze the factors influencing the financial health of Prudential Insurance Company during the 2023–2024 period. The method used is factor analysis, a multivariate statistical method designed to identify the underlying structure among financial variables. The analysis results show that two main factors explain 99.2% of the data variance. The first factor is influenced by premium income (X1), claims and benefits paid (X2), and operating expenses (X5). The second factor is influenced by technical reserves (X3) and investment income (X4). These findings highlight the importance of managing premiums, improving operational efficiency, controlling claims, and optimizing assets and investments to maintain the company's financial health. With the right approach, Prudential is expected to maintain its financial stability and competitive position in the insurance industry.  
Segment Risks Based on Age, Wages, Working Hours, and Claim Costs using K-Medoids Clustering Agus Irawan; Dwi Mahrani; Aldila Nur Indah Berliana Ratam; Marisa Marisa
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 5 No. 7: Juni 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jim.v5i7.17771

Abstract

Occupational risk plays a crucial role in employment insurance management due to its direct impact on claim frequency and the sustainability of insurance systems. However, workers’ risk levels are heterogeneous and influenced by factors such as age, wages, working hours, and claim costs. This study aims to determine the optimal number of clusters and analyze worker risk segmentation using the K-Medoids Clustering method. Secondary data, obtained from Kaggle and consisting of 54,000 observations, were used. From this dataset, 300 samples were selected using the Slovin formula. The analyzed variables included age, weekly wages, hours worked per week, initial claim cost, and final claim cost. Prior to clustering, the data were standardized using a robust scaler and tested for multicollinearity. The optimal number of clusters was determined using the Silhouette Coefficient method. The results indicated that the optimal clustering structure consisted of three clusters, with a Silhouette Coefficient value of 0.703. These clusters represented low-risk, medium-risk, and high-risk worker groups. The findings offer valuable insights for insurers to enhance risk segmentation, claims management, and more targeted premium policy formulation.
Co-Authors Agus Irawan Anggraini, Dyah Prita Antika, Siluh Putu Dela Azzanina, Nanda Dwi Mahrani Hasriati Hasriati Lase, Marie Vivien Marisa Marisa Nadeak, Natasha Putri Rinaldi, Fanny Dwi Putri Rivai, Muklas Rohmah, Iffah Nurul Selvira, Natalia Aisa Situmorang, Anita Grace Pretty Tumpal Parulian Nababan