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All Journal Journal of Mathematics UNP
Riri Indriani
Matematika, Universitas Negeri Padang
Computer Science & IT Decision Sciences, Operations Research & Management Mathematics

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Perhitungan Dana Tabarru’ Asuransi Syariah Menggunakan Hukum Mortalita Makeham dengan Metode Cost of Insurance Riri Indriani; Devni Prima Sari
Journal of Mathematics UNP Vol 5, No 2 (2020): Journal Of Mathematics UNP
Publisher : UNIVERSITAS NEGERI PADANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (398.93 KB) | DOI: 10.24036/unpjomath.v5i2.8926

Abstract

Abstract  — Tabarru’ funds in Islamic insurance is a number of funds that are used to help each other between insurance participants. In the fund management mechanism with savings element, Tabarru’ funds have a percentage of payment of 5%. Whereas in the management of funds without savings, it is not known how much the percentage must be paid to the company, so that it will cause confusion for customers. In this research, we will discuss how to calculate the tabarru’ funds using the cost of insurance method. This calculation involves the probability of death based on the Makeham mortality table. Makeham Mortality Tables can be arranged by estimating parameters using the least squares method. obtained parameters A, B and C, respectively for men, namely 0.05822, 0.00158 and 1.08394, while for women namely 0.04418, 0.00152 and 1.08400. So the amount of tabarru’ funds  that must be paid by someone aged x that is,Keywords — Tabarru’ funds, Makeham Mortality Law, Least Squares Method, Cost of Insurance Method
Co-Authors Devni Prima Sari