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All Journal Jurnal Online Mahasiswa (JOM) Bidang Matematika dan Ilmu Pengetahuan Alam Mandalika Mathematics and Educations Journal Nusantara Hasana Journal Jurnal Pengabdian Masyarakat Bangsa
Aldila Nur Indah Berliana Ratam
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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.  
Peningkatan Literasi Statistika dan Pemahaman Peluang bagi Siswa SMA Negeri 1 Sukoharjo melalui Media Interaktif GeoGebra Saefulloh, Annisa Hevita Gustina Kumalasari; Baiti, Putri Isnaini Cahyaning; Azzanina, Nanda; Ratam, Aldila Nur Indah Berliana; Marisa, Marisa
Jurnal Pengabdian Masyarakat Bangsa Vol. 3 No. 12 (2026): Februari
Publisher : Amirul Bangun Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59837/jpmba.v3i12.4145

Abstract

Siswa SMA sering mengalami kesulitan dalam memahami konsep statistika dan peluang yang bersifat abstrak, sehingga berdampak pada rendahnya kemampuan numerasi dan literasi statistik. Kurangnya media pembelajaran interaktif menjadi salah satu kendala dalam proses pembelajaran matematika di SMA N 1 Sukoharjo. Program Pengabdian kepada Masyarakat ini bertujuan meningkatkan literasi statistika siswa melalui pelatihan interaktif berbasis aplikasi GeoGebra. GeoGebra merupakan perangkat lunak matematika dinamis yang memungkinkan visualisasi data, grafik, dan simulasi peluang secara interaktif sehingga membantu siswa memahami konsep secara lebih konkret. Kegiatan dilaksanakan melalui tahapan pre-test, pelatihan interaktif, pemberian lembar kerja, post-test, serta evaluasi kepuasan peserta. Hasil kegiatan menunjukkan adanya peningkatan pemahaman konsep statistika dan peluang pada sebagian besar peserta. Luaran program berupa bahan ajar interaktif berbasis GeoGebra, lembar kerja siswa, serta dokumentasi kegiatan. Program ini diharapkan dapat meningkatkan motivasi belajar matematika dan mendorong pemanfaatan teknologi pembelajaran yang inovatif di SMA.
Pemodelan Premi Asuransi Jiwa Dwiguna Unit Link dengan Metode Annual Ratchet dan Hukum Gompertz Ratam, Aldila Nur Indah Berliana; Marisa; Irawan, Agus; Nasrullah
Mandalika Mathematics and Educations Journal Vol 8 No 1 (2026): Edisi Maret
Publisher : FKIP Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jm.v8i1.11061

Abstract

The risk of death is one of the risks that can have a significant impact on an individual’s financial condition. Therefore, protection through life insurance is required. Unit-linked endowment life insurance combines protection and investment benefits, with the premium amount affecting both. This study is a quantitative research with an actuarial modeling approach that aims to model the premium of unit-linked endowment life insurance based on stock investment using the annual ratchet method and Gompertz’s law. Stock returns and volatility are used as the basis for determining investment benefits under the annual ratchet method, using stock data for PT Bank Central Asia Tbk. The annual ratchet method is applied to protect the investment value from market declines by implementing cap and floor limits. Survival and mortality probabilities are modeled using Gompertz’s law. The results of the study show that, based on mortality modeling using Gompertz’s law and the annual ratchet mechanism, the net single premium for unit-linked endowment life insurance that must be paid at the beginning of the contract was Rp 129,098,509. These results show that applying the annual ratchet method can protect against fluctuations in investment value while accounting for mortality risk in premium determination, making the resulting model an alternative for developing more stable unit-linked life insurance products.
Co-Authors Agus Irawan Anggraini, Dyah Prita Antika, Siluh Putu Dela Azzanina, Nanda Baiti, Putri Isnaini Cahyaning Hasriati Hasriati Lase, Marie Vivien Marisa Marisa Marisa Nadeak, Natasha Putri Nasrullah Rinaldi, Fanny Dwi Putri Rivai, Muklas Rohmah, Iffah Nurul Saefulloh, Annisa Hevita Gustina Kumalasari Selvira, Natalia Aisa Situmorang, Anita Grace Pretty Tumpal Parulian Nababan