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All Journal International Journal of Business, Economics, and Social Development Operations Research: International Conference Series
Raharjanti, Amalia
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Mathematics Social Sciences

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Journal : Operations Research: International Conference Series

 1 
Calculation of Motor Vehicle Insurance Premiums Through Evaluation of Claim Frequency and Amount Data Bagariang, Elizabeth Irene; Raharjanti, Amalia
Operations Research: International Conference Series Vol. 5 No. 3 (2024): Operations Research International Conference Series (ORICS), September 2024
Publisher : Indonesian Operations Research Association (IORA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47194/orics.v5i3.330

Abstract

Insurance, as a risk control strategy by transferring the burden of risk from one party to another, consists of two main forms: life insurance, which covers financial losses from the risk of death of the policyholder, and general insurance, which involves the transfer of risk against property losses. Motor vehicle insurance has become a common product reflecting the high value and benefits of motor vehicles, which has resulted in an increase in vehicle ownership. Although the increase in the number of vehicles contributes to the increase in road accidents, many owners who suffer losses do not receive the compensation they deserve. In this context, the premium becomes a key factor, where the policyholder pays a certain amount of money to get protection. This research aims to apply risk premium calculation based on claim frequency and claim size data, as conducted by Ozgurel in 2005, especially for each vehicle category and region in XYZ insurance company. The main problem is to optimize the premium calculation to reflect the actual risk, providing a more accurate understanding of the influence of vehicle and regional characteristics in determining a fair and appropriate premium.
Calculation of Motor Vehicle Insurance Premiums Through Evaluation of Claim Frequency and Amount Data Bagariang, Elizabeth Irene; Raharjanti, Amalia
Operations Research: International Conference Series Vol. 4 No. 4 (2023): Operations Research International Conference Series (ORICS), December 2023
Publisher : Indonesian Operations Research Association (IORA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47194/orics.v4i4.270

Abstract

Insurance, as a risk control strategy by transferring the burden of risk from one party to another, consists of two main forms: life insurance, which covers financial losses from the risk of death of the policyholder, and general insurance, which involves the transfer of risk against property losses. Motor vehicle insurance has become a common product reflecting the high value and benefits of motor vehicles, which has resulted in an increase in vehicle ownership. Although the increase in the number of vehicles contributes to the increase in road accidents, many owners who suffer losses do not receive the compensation they deserve. In this context, the premium becomes a key factor, where the policyholder pays a certain amount of money to get protection. This research aims to apply risk premium calculation based on claim frequency and claim size data, as conducted by Ozgurel in 2005, especially for each vehicle category and region in XYZ insurance company. The main problem is to optimize the premium calculation to reflect the actual risk, providing a more accurate understanding of the influence of vehicle and regional characteristics in determining a fair and appropriate premium.
Mean-Variance Investment Without Risk-Free Assets in PT Company Shares PT Ace Hardware (Aces.Jk), PT Mayora Indah (Myor.Jk), PT Bri (Bbri.Jk), PT Siloam Hospital (Silo.Jk), PT Eterindo Wahanatama (Etwa.Jk) Raharjanti, Amalia
Operations Research: International Conference Series Vol. 4 No. 3 (2023): Operations Research International Conference Series (ORICS), September 2023
Publisher : Indonesian Operations Research Association (IORA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47194/orics.v4i3.251

Abstract

Portfolio is a form of strategy that investors often apply in risky investment conditions. The essence of portfolio construction is to allocate funds to various investment options to minimize investment risk. Therefore, the aim of this discussion is to construct an investment portfolio of several shares using an average variable portfolio optimization model without risk-free assets. To obtain an optimal portfolio, a mean-variance investment optimization model without risk-free assets or what is called the Basic Markowitz model is used. This involves investors measuring the risk of an asset using its “variance” and then comparing it to the asset's average. It is hoped that this discussion can help investors to obtain an optimal portfolio, especially from the five selected shares. 
Co-Authors Bagariang, Elizabeth Irene Riaman Riaman, Riaman Sukono Sukono