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All Journal Jurnal Gaussian Kubik Journal of Science and Applicative Technology Zero : Jurnal Sains, Matematika, dan Terapan Jurnal Lebesgue : Jurnal Ilmiah Pendidikan Matematika, Matematika dan Statistika Jurnal Pengabdian Masyarakat Asia KUBIK: Jurnal Publikasi Ilmiah Matematika Kalbiscientia Jurnal Sains dan Teknologi Journal of Science and Technology Enthusiastic : International Journal of Applied Statistics and Data Science Journal of Fundamental Mathematics and Applications (JFMA) Jurnal Kesehatan dan Pengelolaan Lingkungan Jurnal Matematika Integratif RENATA Jurnal Pengabdian Masyarakat Kita Semua AMMA : Jurnal Pengabdian Masyarakat Indonesian Journal of Applied Mathematics TeknoKreatif: Jurnal Pengabdian kepada Masyarakat
Fuji Lestari
Institut Teknologi Sumatera
Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Mechanical Engineering Nursing Physics Social Sciences Transportation Other

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Prediksi Finansial Distress pada Salah Satu Bank Konvensional Menggunakan Machine Learning Fuji Lestari
Indonesian Journal of Applied Mathematics Vol 3 No 1 (2023): Indonesian Journal of Applied Mathematics Vol. 3 No. 1 July Chapter
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM), Institut Teknologi Sumatera, Lampung Selatan, Lampung, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35472/indojam.v3i1.1284

Abstract

Financial distress is when a company experiences a shortage or insufficient funds to run the company. Prediction of financial distress is needed to prevent bankruptcy. In this study, financial distress predictions were made based on financial ratios obtained from monthly financial reports from a bank convention, after which the proportion that had the most influence on financial distress was determined. The models used in this study are several machine learning models, namely, Logistic Regression, Support Vector Machine, and Random Forest. Based on the analysis results, the best model for predicting financial pressure is the Random Forest Model, with an accuracy of 96.77%. Based on the best model obtained, namely the Random Forest, it can be determined that the ratio that is very influential on financial distress is the ratio of Total Asset Turnover.
Perbandingan Estimasi Premi Asuransi Jiwa Joint Life dengan Menggunakan Asumsi Kebebasan Mortalita dan Metode Copula Fuji Lestari; Azizah Dzakiya
Jurnal Matematika Integratif Vol 19, No 2: Oktober 2023
Publisher : Department of Matematics, Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/jmi.v19.n2.49447.201-212

Abstract

Setiap perseorangan pasti mempunyai risiko yang ditanggungnya, baik itu risiko yang ditanggung pada masa kini ataupun masa depan. Risiko kematian adalah risiko yang pasti akan terjadi bagi perseorangan. Oleh karena itu, dibutuhkan salah satu jenis perlindungan agar bisa mengatasi risiko kematian. Salah satu jenis perlindungan yang biasa digunakan adalah mengikuti asuransi jiwa. Asuransi jiwa yang umumnya diikuti oleh pasangan suami istri adalah asuransi jiwa joint life. Pemegang polis dari asuransi tersebut umumnya adalah pasangan suami dan istri. Penelitian ini membandingkan estimasi premi asuransi jiwa joint life dengan menggunakan asumsi kebebasan mortalita dan metode copula Archimedean. Data penelitian ini menggunakan data Tabel Mortalitas Badan Penyelenggara Jaminan Sosial (BPJS) tahun 2022 dengan berbagai asumsi, yaitu asumsi usia pasangan suami istri, jangka waktu jenis asuransi, dan suku bunga yang dipakai sebesar 6\% per tahun. Premi yang dihitung menggunakan asumsi risiko kematian tidak saling bebas menggunakan metode copula clayton lebih rendah dibandingkan dengan menggunakan asumsi kebebasan mortalita, copula Frank, dan copula Gumbel. Selain itu, perbedaan umur antara suami dan istri juga mempengaruhi besarnya nilai premi. Semakin besar perbedaan umur dari suami dan istri, maka semakin besar pula nilai premi yang dibayarkan pertahun.
Recognition of Voronoi Cell Distribution in Earthquake Epicenter Data in the Sunda Strait Region, Indonesia Muliawati, Triyana; Lestari, Fuji; Harbowo, Danni Gathot; S, Mika Alvionita
JOSTECH Journal of Science and Technology Vol 4, No 2: September 2024
Publisher : UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/jostech.v4i2.9830

Abstract

The Sunda Strait is currently one of the busiest transportation hubs. However, this area has a significant history of geological disasters caused by the dynamic tectonic activity of the Eurasian and Indo-Australian tectonic plates. These disasters include the supervolcanic eruption of Krakatoa in 1883, the Sunda Strait tsunami in 2018, and decades of frequent earthquakes. To address these challenges, this study analyzes the frequency and distribution of seismic activity in the Sunda Strait region based on epicenter data recorded in the United States Geological Survey (USGS) Earthquake Catalog. We collected 440 multivariate earthquake data points between 1990 and 2023 (over three decades). The results of this study show that a machine learning approach accurately identified four relevant parameters for k-means clustering, followed by a silhouette value analysis to recognize the distribution of Voronoi cells. Based on earthquake data from the Sunda Strait from 1990 to 2023, the two highest silhouette analysis values, 0.40 and 0.39, are located at k=3 and k=5 in k-means clustering. This approach has recognized and identified the cell area of earthquake activity in the Sunda Strait, particularly around Anak Krakatoa. This study provides new insights into the spatiotemporal characteristics and identifies clusters of earthquake-prone areas. The information generated in this study facilitates the evaluation of future earthquake disaster risks, especially those with epicenters in the Sunda Strait region.
PENERAPAN MODEL RANTAI MARKOV DALAM PERHITUNGAN PREMI ASURANSI LONG TERM CARE UNTUK PENYAKIT JANTUNG DI PULAU SUMATERA Lestari, Fuji; Sumarna, Nur Alvyanti
Jurnal Lebesgue : Jurnal Ilmiah Pendidikan Matematika, Matematika dan Statistika Vol. 5 No. 3 (2024): Jurnal Lebesgue : Jurnal Ilmiah Pendidikan Matematika, Matematika dan Statistik
Publisher : LPPM Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/lb.v5i3.750

Abstract

Health insurance is insurance that provides health benefits in the form of cash compensation for medical and treatment costs. One of the health insurance products is Long Term Care (LTC) insurance. Long Term Care insurance provides compensation for the insured who requires medical care or for those suffering from chronic illnesses or physical disabilities that cannot be covered by other insurance. This study discusses the calculation of premiums for heart disease, including hypertension and diabetes, for the LTC insurance product Annuity as a Rider Benefit using a multi-state model application from the Markov Chain model. The multi-state model used includes healthy, sick, and deceased states, with the assumption that there is no transition from sick to healthy. The premium calculation is based on the Markov chain with a transition probability matrix using heart disease prevalence data in Sumatra Island in 2018. The case study in this research includes males and females aged 25, 35, and 45 years, with premium payment periods of 5, 10, and 15 years. The death benefit is IDR 500,000,000.00, the care benefit is IDR 100,000,000.00, and the interest rate is 6.25%. Based on age, the calculation of the annual net premium for Long Term Care insurance, the Annuity as a Rider Benefit product for heart disease in Sumatra Island, shows that men generally have higher premiums compared to women, with a range of 0.9598 to 1.0028 times. Meanwhile, based on the premium payment period, men also have higher premiums than women.
Recognizing the Spatial Distribution and Voronoi Patterns of the Recorded Earthquake Epicenters in Sunda Strait, Indonesia Muliawati, Triyana; Lestari, Fuji; Alvionita, Mika; Satria, Ardika; Harbowo, DG
Journal of Fundamental Mathematics and Applications (JFMA) Vol 7, No 2 (2024)
Publisher : Diponegoro University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jfma.v7i2.21931

Abstract

Currently, Sunda Strait is one of the most active transportation hubs. However, this region also bears a notable history of geohazards associated with the dynamics of tectonic activity of the Eurasian and Indo-Australian tectonic plates, such as the super-eruption of Krakatoa volcano in 1883, the Sunda Strait tsunami in 2018, and decades of frequent earthquakes. To address these challenges, this study conducted a statistical analysis of the frequency and distribution of seismic activities in the Sunda Strait region based on recorded epicenter data in the United States Geological Survey's (USGS) Earthquake catalog. We assembled 440 multivariate earthquake data points between 1990 and 2023 (over three decades). The results of this study indicate that the machine learning approach precisely identifies four relevant parameters for -means clustering, followed by an analysis of silhouette values to recognize Voronoi patterns. These statistical patterns also have significant implications for the number of epicenter clusters and recognizing their spatial distribution. It provides a new understanding of the spatial-temporal characteristics and locates the list of frequent earthquake regions. Having all the necessary information would help to comprehensively evaluate geohazard risks in Sunda Strait region.
Perhitungan Cadangan Premi Asuransi Jiwa Dwiguna Menggunakan Metode Premium Sufficiency dengan Asumsi Usia Pecahan Rafli Ramadhan; Fuji Lestari
KALBISCIENTIA Jurnal Sains dan Teknologi Vol. 12 No. 01 (2025): Jurnal Sains dan Teknologi
Publisher : Research and Community Service UNIVERSITAS KALBIS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53008/kalbiscientia.v12i01.4522

Abstract

Risk is a part of human life that can cause financial losses, so insurance is needed to deal with these risks. Insurance is an agreement between an insurance company and a policyholder, with the company required to provide compensation for financial losses experienced by the policyholder. As an imbalance, the policyholder needs to pay a certain amount of premium. This study aims to analyze the calculation of premium reserves using the Premium Sufficiency method with the assumption of fractional age. The Premium Sufficiency method is one of the prospective premium reserve calculations using gross premiums. In reality, insurance participants do not always register at an integer age, but at a fractional age, so a fractional age assumption is needed. The results of the premium reserve calculation using Premium Sufficiency for the fractional age assumption increase every year, with the premium reserve value at the end of the insurance period increasing the same as the amount of insurance. In addition, the difference in the premium reserve value between the case of a premium payment period of 5 years and 10 years in the first year for the fractional age assumption is Rp 21,498,124,302.
PERHITUNGAN PREMI ASURANSI PERTANIAN BERDASARKAN INDEKS IKLIM CURAH HUJAN DENGAN MENGGUNAKAN METODE BLACK-SCHOLES DI PROVINSI LAMPUNG Vikarti, Maulida Magdalena; Lestari, Fuji
Jurnal Lebesgue : Jurnal Ilmiah Pendidikan Matematika, Matematika dan Statistika Vol. 6 No. 1 (2025): Jurnal Lebesgue : Jurnal Ilmiah Pendidikan Matematika, Matematika dan Statistik
Publisher : LPPM Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/lb.v6i1.956

Abstract

Agriculture plays an important role in national economic development, but has the highest risk of loss due to its dependence on climatic conditions. One of the efforts to reduce the risk of crop failure is through an agricultural insurance program. The agricultural insurance used in this study is rainfall climate index-based agricultural insurance. This study aims to analyze the value of the rainfall climate index to be used and analyze the calculation of agricultural insurance premiums based on the rainfall climate index. The method used to determine the rainfall climate index is the Historical Burn Analysis method and the method used to calculate agricultural insurance premiums is the Black-Scholes method. The results showed variations in trigger and exit values at each BMKG station, with North Lampung Geophysical Station having the highest trigger and exit of 36,87 mm and 49,64 mm, while the highest premium was recorded at Panjang Maritime Meteorological Station at Rp 3.025.887,38. This is due to the risk of extreme events below the trigger value occurring more frequently
Pelatihan Pembuatan Laporan Keuangan Pelaku Usaha Mikro, Kecil, Dan Menengah (UMKM) Di Desa Badran Sari Julianty, Dila Tirta; Listiani, Amalia; Lestari, Fuji; Sofia, Ayu; Rivai, Muklas; Mahrani, Dwi; Fitriawati, Andi
RENATA: Jurnal Pengabdian Masyarakat Kita Semua Vol. 3 No. 3 (2025): Renata - Desember 2025
Publisher : PT Berkah Tematik Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61124/1.renata.140

Abstract

Hingga saat ini terdapat sekitar 15 Usaha Mikro, Kecil, dan Menengah yang ada di Desa Badran Sari. Kegiatan usaha yang dilakukan oleh UMKM tidak terlepas dari transaksi keuangan baik transaksi masuk maupun keluar. Apabila transaksi tersebut diolah dengan baik maka dapat menghasilkan laporan keuangan yang tepat untuk berbagai periode waktu. Dengan adanya laporan keuangan yang tepat, maka bisa didapatkan informasi yang tepat mengenai kondisi keuangan dari suatu usaha sehingga bisa membuat keputusan yang tepat untuk masa yang akan datang. Dengan rendahnya kemampuan masyarakat desa dalam mengolah informasi sehingga menjadikan para pelaku UMKM tidak dapat memanfaat informasi keuangan yang mereka miliki sebagai dasar dalam pengambilan keputusan dan pengembangan usahanya. Oleh karena itu perlu diadakannnya suatu pelatihan terkait pembuatan laporan keuangan untuk meningkatkan kemampuan masyarakat Desa Badran Sari yang memiliki UMKM sehingga tercapainya masyarakat informasi dan berbasi pengetahuan. Hal ini diharapkan dapat meningkatkan ukuran usaha UMKM dan meningkatkan kegiatan perekonomian di Desa Badran Sari, Kecamatan Punggur, Kabupaten Lampung Tengah. Setelah dilaksanakannya pelatihan mengenai penyusunan laporan keuangan, jumlah peserta yang memiliki tingkat pemahaman rendah mengalami penurunan dari semula 68,18% menjadi 36,36% dan jumlah responden dengan tingkat pemahaman sedang mengalami peningkatan lebih dari dua kali lipat dari semula 27,27% menjadi 59,09%
Teknologi Smart Conservation Untuk Identifikasi Spesies Mangrove Di Kawasan Ekowisata Cuku Nyinyi, Lampung Triyana Muliawati; Fuji Lestari; Mika Alvionita Sitinjak; Eristia Arfi; Devia Gahana Cindi Alfian
AMMA : Jurnal Pengabdian Masyarakat Vol. 4 No. 1 : Februari (2025): AMMA : Jurnal Pengabdian Masyarakat
Publisher : CV. Multi Kreasi Media

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

Abstract

Mangroves are a type of forest ecosystem that grows in coastal areas along tropical and subtropical shores throughout Indonesia, particularly in Lampung Province. This ecosystem is found in regions influenced by tidal seawater. Mangroves consist of various species of trees, shrubs, and other plants that can survive in highly saline and muddy environments. Additionally, mangroves provide numerous benefits for environmental sustainability and human well-being. A healthy mangrove ecosystem contains diverse plant species with specific characteristics that help maintain ecological balance and ensure optimal ecological functions.Lampung Province has a mangrove ecotourism site located in Sidodadi Village, Teluk Pandan District, Pesawaran Regency, known as Cuku Nyinyi. Uniquely, Cuku Nyinyi is often used as a research and learning site for students, researchers, and the general public to study mangroves.One of the challenges faced by the ecotourism management team, the Bina Jaya Lestari Forest Farmers Group (KTH), is the difficulty in identifying and classifying mangrove species planted in the Cuku Nyinyi ecotourism area. Additionally, there is a lack of adequate information about mangroves, such as their age, anatomy, habitat, environmental adaptations, benefits, and other relevant details. To address this issue, researchers are developing an automatic identification system for mangrove species based on leaf morphology using a Convolutional Neural Network (CNN) approach. CNN is one of the most effective methods for pattern recognition in images and mangrove image processing. This technology is expected to be implemented in the form of a camera application that can automatically identify information from an image of mangrove leaf morphology captured in the Cuku Nyinyi ecotourism area.The Mangrove Camera Application provides new insights to KTH and the general public regarding the potential and importance of conserving natural resources.
Implementation of Amortization and Sinking Fund in Financial Literacy Education to Prevent Online Loan Traps Among Students of MAN 1 Bandarlampung Indah Gumala Andirasdini; Fuji Lestari; Dila Tirta Julianty; Muklas Rivai
Jurnal Pengabdian Masyarakat Vol. 7 No. 1 (2026): Jurnal Pengabdian Masyarakat
Publisher : Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jpm.v7i1.2837

Abstract

Purpose: This community service initiative aims to strengthen students’ financial literacy by introducing key concepts such as amortization tables and sinking fund strategies. A significant proportion of students exhibit limited understanding of high-interest debt structures and lack essential personal financial management skills. The concept of amortization was introduced to demystify loan repayment mechanisms, while the sinking fund approach was presented as a disciplined strategy for long-term saving and financial goal achievement. Method: The program was implemented through a series of interactive socialization sessions, hands-on educational activities, and simulation workshops. Students actively developed amortization schedules and sinking fund models, enabling them to apply theoretical knowledge in practical contexts. To measure the impact, pre-test and post-test questionnaires were administered to assess improvements in students’ comprehension of financial principles. Practical Applications: The program successfully produced a range of accessible educational resources, including learning modules, student-friendly booklets, and digital Excel templates. These tools empower students to independently simulate loan repayment scenarios and savings plans, promoting self-reliance and informed financial decision-making. Conclusion: The results demonstrated a marked improvement in students’ financial literacy, with scores increasing from an average of 5.67 to 8.00. The integrated, experiential approach not only enhanced understanding but also fostered greater financial resilience among youth, equipping them with the knowledge to avoid predatory online lending practices that are increasingly common among students today.
Co-Authors Agnes Monika Simalango Andi Fitriawati Ardika Satria Ayu Sofia Azahra Sukesih Azizah Dzakiya Danni Gathot Harbowo Danni Gathot Harbowo Debra Carol Lin G.N. Devia Gahana Cindi Alfian Dila Tirta Julianty Dwi Mahrani Elifas Hani Christien Eristia Arfi Giandito Iskandar Haninda Bharata Indah Gumala Andirasdini Isti Dina Febriyanti Kristiani Sitorus Listiani, Amalia Mika Alvionita S Mika Alvionita Sitinjak Muliawati Natalie Evangelista Nia Ahmadia Sumardi Nur Faizaturrohmah Radot MH Siahaan Rafli Ramadhan Rifka Noor Azizah Rini Asnawati Rivai, Muklas Satria, Ardika Sumarna, Nur Alvyanti Tiara Yulita Triyana Muliawati Vikarti, Maulida Magdalena Welson Tawan Zalikha Alma