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Pengenalan dan Pembelajaran Asuransi Melalui Media Online, Sarana Pendukung Program 1000 Aktuaris bagi Masyarakat Indonesia Hidayat, Agus Sofian Eka
Jurnal Ilmiah Pengabdian dan Inovasi Vol. 1 No. 3 (2023): Jurnal Ilmiah Pengabdian dan Inovasi (Maret)
Publisher : Insan Kreasi Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (830.045 KB) | DOI: 10.57248/jilpi.v1i3.96

Abstract

The low number of representatives from insurance ownership in Indonesia and the lack of achievement of an equal number of actuaries in Indonesia shows the low literacy of the importance of insurance and insurance science. Insurance is an important thing for the community, to face the risk of both death, loss, and health risks. To improve community literacy, seminars and learning are needed that can be accessed easily and cheaply, one of which is using the media YouTube. The results of this service activity have a positive impact on the community, both in terms of understanding insurance terms and knowledge about actuarial fields. It is hoped that more seminars and training activities that are integrated with technology can be carried out to support an increase in the percentage of the number of insurance owners in Indonesia as well as the number of actuaries in Indonesia
How Students Solves PISA Tasks: An Overview of Students’ Mathematical Literacy Hendroanto, Aan; Istiandaru, Afit; Syakrina, Nisa; Setyawan, Fariz; Prahmana, Rully Charitas Indra; Hidayat, Agus Sofian Eka
International Journal on Emerging Mathematics Education IJEME, Vol. 2 No. 2, September 2018
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijeme.v2i2.10713

Abstract

This article aims to investigate how mathematics education students in Universitas Ahmad Dahlan solve PISA mathematics problems. This research used the descriptive method with the qualitative approach and supported with quantitative data. Research subjects were 20 new students of mathematics education at Universitas Ahmad Dahlan in the 2016/2017 academic year. We translated the 2012 PISA instrument and used it to collect data on students’ mathematical literacy skills and to identify their difficulties. All the data were analyzed based on PISA’s framework. The result shows that, in general, 65.7% of students were able to understand the problems and plan their strategies to solve them. Meanwhile, only 46.9% among them could answer correctly. In addition, only 36.8% of the students were able to understand the level 6 problems while only 23.7% among them answered correctly. The students performed well in the interpretation process towards the problems with individual and social contexts. However, they found difficulties in the formulation and employment process of the problems, especially in the work and scientific context.
Edukasi Internet Sehat Sebagai Antisipasi Cyber Crime Pada Santriwati di MTS Hikmatusysyarief Salut Kecamatan Narmada Primajati, Gilang; Supiarmo, M. Gunawan; Soraya, Siti; Hidayat, Agus Sofian Eka
Jurnal Edukasi dan Pengabdian kepada Masyarakat Vol. 3 No. 2 (2024): Desember 2024
Publisher : Yayasan Insan Literasi Cendekia (INLIC) Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35914/jepkm.v3i2.240

Abstract

Pendekatan internet sehat bagi siswa melibatkan pendidikan literasi digital untuk meningkatkan pemahaman mereka tentang keamanan siber, pengawasan orang tua dan guru, serta penerapan aturan penggunaan internet yang bijak. Selain itu, penguatan regulasi terkait perlindungan anak di dunia maya dan kolaborasi antara pemerintah, institusi pendidikan, serta platform digital juga penting untuk menciptakan lingkungan online yang aman bagi siswa. Penelitian ini bertujuan untuk mengedukasi penerapan internet sehat bagi santriwati di MTS Hikmatusysyarief Salut Kecamatan Narmada sebagai upaya preventif dalam memberikan informasi untuk mengurangi risiko cyber crime pada peserta didik. Kegiatan ini dibagi menjadi dua yaitu kelas materi dan kelas praktik. Pengabdian ini memiliki hasil kualitatif berupa sesi wawancara memetakan pengetahuan santriwati dan tanya jawab dilakukan untuk mengukur pemahaman siswa tentang materi yang telah disampaikan. Kemudian menggunakan kuisioner. Hasil pengabdian kepada masyarat di MTS Hikmatusysyarief mencapai persentase rata-rata 84,67 %, dan termasuk dalam kategori sangat puas.
APPLICATION OF EXPECTED CREDIT LOSS MODEL AND MARKOV CHAIN TO CALCULATE NET SINGLE PREMIUM OF UNSECURED CREDIT INSURANCE Lieus, Hansen Juni; Tedja, Devin; Joewita, Vanessa; Hidayat, Agus Sofian Eka; Silalahi, Alexander R. J
BAREKENG: Jurnal Ilmu Matematika dan Terapan Vol 17 No 4 (2023): BAREKENG: Journal of Mathematics and Its Applications
Publisher : PATTIMURA UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30598/barekengvol17iss4pp2161-2170

Abstract

Transferring credit risk to an insurance company is a way to mitigate risk. Premiums should be calculated accurately to attain economic value for both the lender and the guarantor. The aim of this study was to determine the net single premium (NSP) values for an unsecured credit insurance product using the expected credit loss (ECL) method from IFRS 9. This study used data generated through simulation of insurance policies issued in 2015 or 2016. Their state classifications were monthly observed from 2016 to 2020. The probability of disbursed claim (PDC) parameter replaced the probability of default parameter on the ECL model, whereas the PDC model was constructed based on the components of a state-transition probability matrix, obtained with the Markov chain approach using the cohort method: = 0.999181, = 0.000130, and = 0.000689. The PDC model validation showed relatively decent results, whereas MSE = 2.457% and zs = 0.608 with a = 5%. These results indicated that the PDC model was a good fit to calculate ECL. 5,000 iterations were done as part of the cash flow simulation process, whereas debtors’ loan amounts were randomly generated during each iteration, and the average NPV of these iterations was -Rp564.419.305. Based on model sensitivity analysis, cash flow values were most sensitive to the variable used to construct the PDC model (). Thus, the 5,000-iteration process was repeated with the newly adjusted PDC value, which were = 0.998924 and = 0.000946. The new average NPV of these iterations was Rp409,877,840, indicating that the constructed ECL model was a good fit to calculate NSP values for unsecured credit insurance products.
COMMISSIONERS METHOD FOR LAST SURVIVOR WHOLE LIFE INSURANCE RESERVES WITH GOMPERTZ LAW Hidayat, Agus Sofian Eka; Styven, Arnol
BAREKENG: Jurnal Ilmu Matematika dan Terapan Vol 18 No 2 (2024): BAREKENG: Journal of Mathematics and Its Application
Publisher : PATTIMURA UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30598/barekengvol18iss2pp0937-0948

Abstract

Life insurance plays an important role in protecting one’s life in terms of financial risks. The right required reserve is one aspect that should be secured to obtain a good company’s financial health. A study reported that insufficient reserve is one of the primary causes of insolvency issues among bankrupted insurance companies. Therefore, this study aims to use the Commissioners method in calculating the reserve of the last-survivor whole life insurance policy The Gompertz mortality law is used to estimate Indonesian death probability of age . Gompertz law is employed due to its practical convenience in dealing with continuous case calculation. Linear Least Square Method will be utilized to estimate the Gompertz parameters and . This study uses secondary data from Indonesian Mortality Table IV published by OJK. The result of this study is that the reserve of multiple life status policies, such as last-survivor insurance, depends on the states of individuals of each pair. In this study, the reserve has the highest amount in cases where only the male person is alive. Average Relative Error values of the estimated Gompertz to the TMI IV show that the overall accuracy exhibits a deviation of up to 1.67%. MAPE values of Gompertz show that the estimated model best fits the TMI IV for the interval age of 0-60.
FACTORS AFFECTING INDONESIAN PADDY HARVEST FAILURE: A COMPARISON OF BETA REGRESSION, QUASI-BINOMIAL REGRESSION, AND BETA MIXED MODELS Kusumaningrum, Dian; Hidayat, Agus Sofian Eka; Notodiputro, Khairil Anwar; Kurnia, Anang; Sartono, Bagus; Sumertajaya, I Made
BAREKENG: Jurnal Ilmu Matematika dan Terapan Vol 18 No 4 (2024): BAREKENG: Journal of Mathematics and Its Application
Publisher : PATTIMURA UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30598/barekengvol18iss4pp2611-2622

Abstract

The Paddy harvest failure rate is one of the key aspects in determining the total number of claims in a crop insurance policy. It is also an important factor indicating the fulfillment of targeted total production. Therefore, we proposed Beta Regression, Quasi Binomial Regression, and Beta Mixed Models which can be used to analyze significant variables affecting paddy harvest failure rates. Model selection and evaluations indicated that the Nested Beta Mixed Model is the best. Previous research has shown four significant fixed effect variables: drought, flood, pests, and disease risks. Pests and other types of risks also affect the variability of loss rate. All variables have positive effects, indicating higher values cause a higher possibility of a higher average harvest failure rate. High variability was shown for province, municipality, and farmers' random effects. Hence, to prevent a more significant loss rate, MoA should consider more intensive and innovative participatory activities in farmer groups to enhance good farming practices, especially for farmers who suffer from certain risks. These activities should also consider the local characteristics of each province or municipality. As for AUTP development and improvement, farmers with lower failure risks could be given a discounted premium to make it more appealing.
Application of Projected Unit Credit Method (PUC) and Entry Age Normal (EAN) in Pension Fund Calculation Hidayat, Agus Sofian Eka; Maharani, Ni Kadek Gita; Hapsari, Nayla; Ajeng, Aprilia
Journal of Actuarial, Finance, and Risk Management Vol 4, No 1 (2025)
Publisher : President University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33021/jafrm.v4i1.5993

Abstract

This study explores the application of the Projected Unit Credit (PUC) and Entry Age Normal (EAN) methods in calculating normal cost and actuarial liability for pension funds. By comparing the two methods, the research aims to provide insights into their implications for pension fund management. The PUC method, which takes into account salary growth over time, typically results in increasing normal cost and smaller actuarial liability as the participant's service period lengthens. Conversely, the EAN method spreads the pension cost evenly over an employee's working years, leading to stable normal cost and higher actuarial liability, particularly in the mid-period of membership. The study utilizes data from PT. XYZ, applying both methods separately for male and female participants due to differences in life expectancy. The results offer a comparative analysis that highlights the financial implications of each method for both participants and pension fund companies, contributing to more effective pension fund management strategies.
ANALISIS RISIKO KEBANGKRUTAN PERUSAHAAN ASURANSI JIWA INDONESIA MENGGUNAKAN METODE ALTMAN SPRINGATE, GROVER, DAN ZMIJEWSKI Chandra, Laura Stephanie; Kusumaningrum, Dian; Hidayat, Agus Sofian Eka
VARIANCE: Journal of Statistics and Its Applications Vol 6 No 1 (2024): VARIANCE: Journal of Statistics and Its Applications
Publisher : Statistics Study Programme, Department of Mathematics, Faculty of Mathematics and Natural Sciences, University of Pattimura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30598/variancevol6iss1page55-62

Abstract

Penelitian ini bertujuan untuk menganalisis risiko kebangkrutan pada perusahaan asuransi jiwa di Indonesia yang terdaftar di Otoritas Jasa Keuangan (OJK). Pada peneltian ini digunakan 4 metode perhitungan risiko yang antara lain adalah Altman Z – score, Springate S – score, Zmijewski X – score, dan Grover G – score. Data yang akan digunakan sebagai objek observasi pada penelitian ini merupakan perusahaan asuransi yang sudah memiliki kepercayaan dan terdaftar di OJK, serta perusahaan asuransi yang mengalami kebangkrutan. Hasil analisis menggunakan metode perhitungan risiko akan dibandingkan dengan kondisi nyata perusahaan. Perbedaan karakteristik metode yang digunakan akan dijadikan rekomendasi terkait dasar evaluasi bagi perusahaan yang memiliki potensi mengalami kebangkrutan. Hasil analisis masing masing metode akan menghasilkan suatu interpretasi yang akan dihimpun untuk dijadikan penentu kinerja perusahaan. Berdasarkan hasil tersebut, penelitian ini bertujuan untuk membantu meningkatkan kesadaran perusahaan asuransi dan pemerintah terhadap risiko kebangkrutan yang ada dalam pengambilan keputusan yang tidak baik terkait kebijakan keuangan dalam perusahaan asuransi.
PENENTUAN PREMI MURNI DARI DATA KLAIM ASURANSI KENDARAAN RODA EMPAT DENGAN JENIS PERLINDUNGAN COMPREHENSIVE Yulita, Tiara; Patricia, Mitha; Hidayat, Agus Sofian Eka
VARIANCE: Journal of Statistics and Its Applications Vol 6 No 1 (2024): VARIANCE: Journal of Statistics and Its Applications
Publisher : Statistics Study Programme, Department of Mathematics, Faculty of Mathematics and Natural Sciences, University of Pattimura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30598/variancevol6iss1page75-86

Abstract

Produk asuransi kendaraan bermotor sudah banyak digunakan oleh banyak orang karena semakin banyak yang membutuhkan untuk meminimalkan risiko yang didapat oleh pihak tertanggung. Sehingga pihak tertanggung perlu membayarkan kewajiban berupa premi serta mengikuti syarat dan ketentuan yang telah disepakati bersama sebelumnya, untuk mendapatkan haknya berupa pembayaran klaim ketika terjadi suatu kejadian yang merugikan tertanggung. Besarnya premi dapat dilihat dari berbagai faktor seperti jenis perlindungannya yaitu Total Loss Only dan Comprehensive, usia kendaraan, riwayat klaim sebelumnya, dan faktor-faktor lainnya. Pada penelitian ini perhitungan yang dilakukan adalah perhitungan premi yang menggunakan data riwayat klaim dari asuransi kendaraan roda empat periode 2020-2022 dengan jenis perlindungan comprehensive dengan menggunakan metode compound model. Dimana data banyak klaim mengikuti model distribusi Negative Binomial, dan data besar klaim mengikuti model distribusi Lognormal. Selanjutnya nilai ekspektasi dari kedua distribusi ini akan dikalikan untuk menentukan premi murni dari asuransi kendaraan roda empat.
Solving the Problem of Profit Maximization in Najwa Sewing House Textile Business in Salatiga Hutauruk, Stefany Margaretha; Pitaningtyas, Farisca Ayu; Albar, Wakhid Fitri; Hidayat, Agus Sofian Eka
Mathematical Journal of Modelling and Forecasting Vol. 1 No. 1 (2023): June 2023
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/mjmf.v1i1.4

Abstract

Linear programs are often referred to as linear problem-solving methods, one of which is the simplex method. The simplex method is an approach that the author can use in solving a linear program problem in determining the optimal solution that has two or more decision variables where in determining the combination itself can be repeated iterating over the simplex table until the optimum value is found in the optimization problem that has been studied. The business world must have optimization problems that include maximum profits and minimum costs where both problems can be solved using the simplex method. The research began on May 14, 2023 at Najwa Sewing House (Clothing Store) Ngelosari, Jombor, Kec.Tuntang, Semarang Regency. The purpose of this study is to describe and analyze the simplex method in a linear program so that maximum profit is obtained in the production of Najwa Sewing House. The analysis carried out in this study is an analysis using the simplex method with calculations assisted by excel applications. The results showed that the amount of optimum production from each product capacity at Najwa Sewing House resulted in a maximum profit of IDR 2.550.000.