Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : E-Jurnal Matematika

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.
Co-Authors AA Sudharmawan, AA AGUSTINA PAULA THERESIA PUTRI LAHALLO Ahmad Fitri Ahmad Fitri Anak Agung Gde Raka Dalem ANGGIE EZRA JULIANDA HUTAPEA AYU EKA FANNY DEVI Chandra, Veronica Celine Damayanti, Ni Kadek Vivin Desak Nyoman Trisnawati Desak Putu Eka Nilakusmawati DESI KURNIA SARI FARREL WILLIEARDAN FEMY AYU ASTITI Fitria, Ita GEDE SUMENDRA HANNY PANJAITAN I GEDE ARIS JANOVA PUTRA I GEDE BAGUS PASEK SUBADRA I GEDE DICKY ARYA BRAMANTA I GEDE ERY NISCAHYANA I GEDE PUTU MIKI SUKADANA I GUSTI AGUNG GEDE DWIPAYANA I GUSTI AYU KOMANG KUSUMA WARDHANI I Gusti Ayu Made Srinadi I GUSTI AYU MEIGAYONI LESTARI I GUSTI AYU VIDYARA VRAJESHVARI I Made Eka Dwipayana I MADE WAHYU WIGUNA I Nengah Artawan I Nengah Simpen I Putu Eka Nila Kencana I Putu Winada Gautama I WAYAN SANDY BAYU NUGRAHA I Wayan Sumarjaya Ida Ayu Eka Trisna Putri Ida Ayu Gede Widihati JENNE LALI TEWO JULIANTARI JULIANTARI K. Sari Kartika Sari Ketut Jayanegara Komang Dharmawan L. G. Astuti LIA JENITA LUH PUTU IDA HARINI MADE EDI HENDRAWAN MADE PUTRI ARIASIH MIA NUR FATAYATIN NANDA NINGTYAS RAMADHANI UTAMI NI KETUT AYU MURNIASIH Ni Ketut Tari Tastrawati NI KOMANG AYU SEDANA DEWI NI KOMANG SUKANASIH NI LUH DE SISKA SARI DEWI NI LUH PUTU RATNA DEWI NI LUH PUTU RATNA DEWI NI LUH PUTU SRI WAHYUNI Ni Luh Putu Suciptawati NI LUH ROSITA DAMAYANTHI Ni Made Asih Ni Made Puspawati NI PUTU AYU DEWI CAHYANTARI NI PUTU MIRAH PERMATASARI NI WAYAN ASRI PRADNYANI Nur Ahniyanti Rasyid RAIN FERNANDO BANGUN RIZKA AULIA NOVALINDA SANI SAEFULOH SARAH VERONICA HUTABALIAN SISILIA MARTINA UTAMI AGUSTINI Sulma, Sulma SUNDANIS AGUNG PERTIWI syamsuddin Toaha Tjokorda Bagus Oka TRI YANA BHUANA ULFA DIANITA VALERIA TRISNA YUNITA VIKY AMELIAH Wijayakusuma, I Gusti Ngurah Lanang WIMAS ASTARI YUDA Winada Gautama, I Putu YOGI PRADIPTA YOHANES BAMBANG SUGIARTO