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Perhitungan Cadangan Premi Asuransi Jiwa Berjangka dengan Menggunakan Metode Zillmer dan Fackler Sitorus, Kristiani; Yulita, Tiara; Lestari, Fuji
Indonesian Journal of Applied Mathematics Vol. 4 No. 2 (2024): Indonesian Journal of Applied Mathematics Vol. 4 No. 2 October 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.v4i2.1944

Abstract

Human life is never free from risk. Along with the development of the era, humans began to realize the importance of protecting themselves in the event of a risk, including the risk of death. To overcome this, many individuals transfer the risk by registering themselves or their families with life insurance. The life insurance that is focused on is term life insurance, which is a form of protection with a certain period of time that has been set. In order to run its operations properly, insurance companies need to prepare premium reserves with accurate calculations. These calculations can be done through two actuarial methods, namely prospective and retrospective methods. This study uses the Zillmer method (prospective) and the Fackler method (retrospective) for calculating premium reserves. The purpose of this study was to determine the analysis of the results of calculating the premium reserve value from the two methods. The premium reserve values ​​calculated using the Zillmer and Fackler methods were different. At an interest rate of 6.25%, the Fackler method produces a higher premium reserve compared to the Zillmer method. This difference is because the Zillmer method includes other costs such as acquisition costs, administration, and agent commissions in calculating premium reserves. In contrast, the Fackler method does not take these costs into account in its calculations.
Effectiveness of Music Therapy on Anxiety Levels and Sleep Quality in Cancer Patients: A Systematic Review Sitorus, Kristiani; Novieastari, Enie; Gayatri, Dewi; Nuraini, Tuti
Indonesian Journal of Global Health Research Vol 6 No 4 (2024): Indonesian Journal of Global Health Research
Publisher : GLOBAL HEALTH SCIENCE GROUP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37287/ijghr.v6i4.3227

Abstract

Cancer is a major global cause of death Cancer patients have a great sense of anxiety about their illness, which has an impact on their sleep quality. Music therapy intervention is one of the non-pharmacological therapies that can be given to cancer patients. It is important to identify the effectiveness of music therapy in reducing anxiety and improving sleep quality in cancer patients. Method: Journals and articles were searched using five databases ProQuest, EBSCOHost, Pubmed, ScienceDirect, and Sage Journal. The author selected several relevant journals and articles from 2010 to 2023. The results of the search of 11 articles found that music therapy interventions proved effective in reducing the stress levels of cancer patients. Music therapy can also improve the sleep quality of cancer patients. Music therapy is effective in reducing anxiety and improving the quality of sleep of cancer patients.
MAKNA SIMBOLIK PAKAIAN ADAT DAN AKSESORIS SIMALUNGUN SEBAGAI KEARIFAN LOKAL (KAJIAN SEMIOTIKA) Purba, Hotma Uhur; Tampubolon, Tiur Angelina; Sitorus, Kristiani
Jurnal Basataka (JBT) Vol. 8 No. 2 (2025): Desember 2025
Publisher : Prodi Pendidikan Bahasa dan Sastra Indonesia, Universitas Balikpapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36277/basataka.v8i2.1138

Abstract

Penelitian ini membahas makna simbolik pakaian adat dan aksesoris Simalungun sebagai bentuk kearifan lokal dengan menggunakan kajian semiotika. Pakaian adat Simalungun tidak hanya berfungsi sebagai pelengkap upacara adat, tetapi juga sebagai sistem tanda budaya yang mencerminkan nilai, norma, serta pandangan hidup masyarakatnya. Penelitian ini menggunakan metode kualitatif dengan pendekatan semiotika untuk mengungkap makna denotatif dan konotatif dari setiap unsur pakaian adat dan aksesoris seperti gotong, bulang, hiou suri-suri, rudang jambulan, buah bamban, sinokkok, bajut hundul, dormani, dan pisau suhul gading. Hasil kajian menunjukkan bahwa setiap elemen busana adat Simalungun mengandung pesan filosofis tentang keberanian, kehormatan, kesucian, kebijaksanaan, serta hubungan harmonis antara manusia dan lingkungannya. Simbol-simbol ini memperlihatkan bahwa pakaian adat berperan penting dalam melestarikan nilai-nilai kearifan lokal dan memperkuat identitas budaya masyarakat Simalungun di tengah arus modernisasi. Dengan demikian, pakaian adat dan aksesorisnya menjadi media representasi budaya yang meneguhkan jati diri sekaligus menjaga kesinambungan warisan leluhur.