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All Journal Sahwahita: Community Engagement Journal Indonesian Actuarial Journal
Lintang, Alfonsius
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Mathematics Physics

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Introduction to the Importance of Waste Management for Elementary School Students in Sumberejo Village, Madiun Lintang, Alfonsius; Andiyani, Razita Sabrina Putri; Tiviani, Zaira; Indraputri, Amara Jasmine; Aisyavarya, Fisca Dwanda Caesara; Yunas, Novy Setia
Sahwahita: Community Engagement Journal Vol. 2 No. 1 (2024): Community Engagement Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/sahwahita.v2i1.88

Abstract

In 2022, based on data from the National Waste Management Information System (SIPSN) and the Ministry of Environment and Forestry (KLHK), Indonesia produced around 19.45 million tons of waste. The increase in waste continues with the increasing population and community consumption. The waste management program at the elementary school level aims to increase student awareness of waste reduction, environmental conservation, and participation in recycling practices. Socialization is carried out through material presentations, recycling practices, and interactive Q&A, with a focus on the role of individuals in protecting the environment. This program took place at SD Desa Sumberejo, Madiun District, Madiun Regency, and involved students in organic and inorganic waste sorting activities. The results of the activities showed an increase in students' understanding of the concept of recycling and their motivation to take real action, such as managing waste independently. The high enthusiasm from students and the positive response from the school showed the success of the socialization. However, the effectiveness of long-term behavioral change was measured through post-program surveys and follow-up observations that showed an increase in waste sorting in the school environment as an indicator of the program's sustainability.
Advancing Sharia Insurance Product for Natural Disaster Risks: A Collective Risk Model Approach Saragih, Trecy Elisabet Tioralina; Lintang, Alfonsius; Sinaga, Chintya Luminar
Indonesian Actuarial Journal Vol. 1 No. 1 (2025): Indonesian Actuarial Journal
Publisher : Persatuan Aktuaris Indonesia

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Abstract

Sharia insurance (takaful) serves as a means to promote solidarity and shared responsibility, helping protect individuals from unexpected risks by transferring or minimizing these risks through coverage provided by insurance companies. Sharia insurance is grounded in the concept of ta’awun which leads to mutual assistance and aims to eliminate forbidden elements in conventional insurance practices such as interest (riba), uncertainty (gharar), and gambling (maysir). Although interest rates are not used to calculate the present value of benefits, sharia insurance products can be improved through actuarial modelling based on expected risk levels and historical data. This paper creates a sharia insurance model for natural disasters of floods and earthquakes using the Collective Risk Model (CRM), with natural disaster frequency data distributed Poisson and natural disaster loss amounts distributed Weibull 3-Parameters. The result reflects the contribution value calculated using the expectation principle and standard deviation of total natural disaster losses. This study also provides a mathematical table as a model for applying the CRM’s contribution value to sharia insurance for natural disasters of floods and earthquakes. This table will detail how funds contributed by policyholders are managed, including the percentages allocated to personal accounts, the tabarru’ (donation) account, and ujrah (management fees), as well as the amounts of profit and benefits accrued to policyholders. This breakdown aims to promote transparency and fairness in shariah-compliant insurance for companies and policyholders, ensuring that fund contributions are managed equitably.
Co-Authors Aisyavarya, Fisca Dwanda Caesara Andiyani, Razita Sabrina Putri Indraputri, Amara Jasmine Novy Setia Yunas Saragih, Trecy Elisabet Tioralina Sinaga, Chintya Luminar Tiviani, Zaira