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All Journal Journal of Saintech Transfer Journal of Research in Mathematics Trends and Technology
Maulida Yanti
Department Of Mathematics, Universitas Sumatera Utara, Medan
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Mathematics Other

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Empowerment of cake SMEs in Laras Village through profit optimization Maulida Yanti; Mardiningsih; Putri Khairiah Nasution; Enita Dewi Br Tarigan
Journal of Saintech Transfer Vol. 8 No. 2 (2025): Journal of Saintech Transfer
Publisher : Talenta Publisher Universitas Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/jst.v8i2.19774

Abstract

In a village, called Laras, there is a small business (SME) that produces wet and dry cookies, marketed on a small scale. The problems faced by the SMEs include the lack of a strategic and easily accessible stall for the public, as well as minimal product promotion being conducted. Several important indicators in optimizing product sales results can be achieved through packaging design, shelf availability, and effective marketing. To address these issues, the Community Service Team provided a workshop to enhance skills related to the making of packaging label and marketing techniques. The abdimas team also provided an attractive shelving unit as a place to display the cakes to facilitate sales and make them visible to the surrounding community. In the end, a paired t-test was used to measure the benefits of the service provided. Based on the questionnaire data, the t-test statistic value obtained is |-65.21| = 65.21 > t-table value 1.699, hence it can be concluded that there was an improvement outcome after the service was conducted.
Stochastic Interest Rate Models in Pension Fund Valuation: A Comparative Study of Vasicek and Cox-Ingersoll-Ross under the Aggregate Cost Method Angel Tiovanny; Maulida Yanti; Citra Dewi Hasibuan
Journal of Research in Mathematics Trends and Technology Vol. 8 No. 1 (2026): Journal of Research in Mathematics Trends and Technology (JoRMTT)
Publisher : Talenta Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/jormtt.v8i1.22753

Abstract

This research aims to implement the Vasicek and Cox-Ingersoll-Ross (CIR) interest rate models in pension fund calculations using the Aggregate Cost method. These interest rate models are utilized to manage the uncertainty of interest rates influenced by inflation, providing a more realistic projection of future pension contributions. The analyzed data includes the Indonesian Mortality Table IV and historical BI-Rate interest rate data from January 2015 to December 2024. Parameter estimation for the Vasicek and CIR models is conducted using the Maximum Likelihood Estimation (MLE) method, and long-term interest rate simulations are performed using the Milstein method. The findings indicate that the Vasicek model has a MAPE of 14.97%, while the CIR model has a MAPE of 19.06%. Pension fund calculations are conducted for participants with starting ages of 25, 30, and 35 years, revealing that the use of Vasicek and CIR interest rate models yields higher present value of pension benefit compared to a constant interest rate. Additionally, normal contributions for younger participants tend to be lower due to longer working periods. The study concludes that the Vasicek model is more accurate in estimating interest rates for pension fund calculations.
Co-Authors Angel Tiovanny Citra Dewi Hasibuan Enita Dewi Br Tarigan Mardiningsih Putri Khairiah Nasution