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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.
Reaching the 'New Normal': A Wish for Breast Cancer Patients in Palliative Care Sitorus, Kristiani; Novieastari, Enie; Nuraini, Tuti
JURNAL INFO KESEHATAN Vol 23 No 1 (2025): JURNAL INFO KESEHATAN
Publisher : Research and Community Service Unit, Poltekkes Kemenkes Kupang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31965/infokes.Vol23.Iss1.1830

Abstract

More than 80% of breast cancer patients in Indonesia who are diagnosed are at an advanced stage. Advanced cancer treatment is directed at palliative care from the beginning of diagnosis.  Patients undergoing palliative care must adjust to the changing needs that occur during palliative care in line with the decline in the condition of the disease and the impact of its treatment. It can affect changes in the patient's daily life patterns. This study was conducted to explore the unmet needs of breast cancer patients during palliative care in the context of the culture and healthcare system in Indonesia. This study utilized a descriptive qualitative phenomenological method. In-depth interviews with semi-structured interview guidelines were conducted on 14 breast cancer patients undergoing palliative care. The thematic analysis uses the Colaizzi approach. The results of this study obtained three specific themes of unmet needs in the study participants: 1) the need to achieve the 'New Normal' to return to activities with enthusiasm and hope, 2) the need for appreciation and recognition, and 3) Support to overcome the fear of death and the uncertainty of the future. Breast cancer patients want to return to their activities with enthusiasm and hope despite facing physical limitations and emotional challenges. In conclusion, achieving the 'New Normal' is an important aspect of this adjustment process, which involves physical, emotional, social, and spiritual support. This finding differs from previous research, where other publications did not explicitly mention the need to achieve the 'New Normal'. Therefore, the role of nurses in addressing unmet needs, both in the context of the 'New Normal' and more generally, is crucial in palliative care for breast cancer patients. This support enhances the patient's quality of life and gives greater meaning to the remainder of their lives.