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All Journal EKSAKTA: Journal of Sciences and Data Analysis Jurnal Ekonomi Modernisasi JURNAL PENGABDIAN KEPADA MASYARAKAT BAREKENG: Jurnal Ilmu Matematika dan Terapan JOURNAL OF APPLIED ACCOUNTING AND TAXATION Indonesian Journal of Applied Informatics Jurnal Administrasi Bisnis Terapan Jurnal Statistika dan Matematika (Statmat) Mathematics and Applications (MAp) Journal Journal of Fundamental Mathematics and Applications (JFMA) Statistika Jurnal Vokasi Indonesia

Yulial Hikmah

Unknown Affiliation

Author-ID : 834035

Arts Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Engineering Health Professions Languange, Linguistic, Communication & Media Materials Science & Nanotechnology Mathematics Mechanical Engineering Physics Public Health Social Sciences Transportation Other

Published : 17 Documents Claim Missing Document

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ANALISIS PROSES UNDERWRITING PADA PRODUK PENJAMINAN SURETY BOND DI PT. ASURANSI KREDIT INDONESIA CABANG BEKASI Julyet Cipta Fauziyah; Yulial Hikmah; Isriani Isriani
Jurnal Administrasi Bisnis Terapan Vol 3, No 2 (2021): Jurnal Administrasi Bisnis Terapan
Publisher : Universitas Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.7454/jabt.v3i2.149

Pembangunan daerah secara merata di seluruh Indonesia dapat mewujudkan masyarakat adil dan makmur yang merata, dalam proses pembangunan tersebuki tidak terlepas dari proyek pembangunan. Di indonesia ada keputusan presiden yang mengatur bahwa setiap pengadaan proyek pembangunan selain harus melengkapi syarat administratif juga harus adapenjaminan suretybond. PT. Askrindo salah satu perusahaan asuransi yang dapat menerbitkan jaminan surety bond. Untuk mendapatkan jaminan suretybond, principal harus memenuhi dokumen yang telah ditetapkan oleh PT. Askrindo dan dokumen tersebut harus melalui proses underwriting untuk menganalisis layak atau tidaknya proyek tersebut dijamin. Jika layak maka polis akan terbit, tetapi jika tidak layak maka PT. Askrindo akan memberi surat penolakan kepada prinsipal.Kata Kunci: Penjaminan, Surety Bond, Underwriting

ETHICAL JUDGMENT AND DECISION-MAKING AMONG TAX VOLUNTEERS: A CASE STUDY OF THE UNIVERSITY INDONESIA TAX ADMINISTRATION’S VOCATIONAL EDUCATION PROGRAM Elsie Sylviana Kasim; Yulial Hikmah
Jurnal Administrasi Bisnis Terapan Vol 3, No 1 (2020): Jurnal Administrasi Bisnis Terapan
Publisher : Universitas Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.7454/jabt.v3i1.118

This study aims to determine whether tax volunteers in the Tax Administration Department of the University of Indonesia’s Vocational Education Program are engaged in the development of ethical judgment and decision-making. The data collection technique used in this study is field study (field research) wherein survey questionnaires were administered before and after the implementation of the tax volunteer program. The results of research and analysis concluded that participation among tax volunteers can improve students’ ethical judgment and their ability to make ethical decisions in income scenarios but not in deduction scenarios.Keyword : ethical assessment, ethical decision-making, tax volunteers

PERHITUNGAN CADANGAN PREMI ASURANSI JIWA DENGAN METODE GROSS PREMIUM VALUATION (GPV) Yulial Hikmah
Jurnal Administrasi Bisnis Terapan Vol 1, No 2 (2019): Jurnal Administrasi Bisnis Terapan
Publisher : Universitas Indonesia

Perusahaan asuransi jiwa maupun umum harus memenuhi persyaratan tingkat kesehatan keuangan yang terdapat dalam Peraturan Otoritas Jasa Keuangan Nomor 71 Tahun 2016, yaitu tingkat sovabilitas, cadangan teknis, kecukupan investasi, ekuitas, dana jaminan, dan ketentuan lain yang berhubungan dengan kesehatan keuangan. Metode Gross Premium Valuation (GPV) merupakan salah satu cara perhitungan cadangan premi. Tujuan penelitian ini adalah untuk memberikan infromasi mekanisme perhitungan cadangan premi asuransi jiwa dengan metode Gross Premium Valuation (GPV) menggunakan Tabel Mortalita Indonesia dan Tabel Mortalita Modifikasi Perusahaan. Dari hasil tersebut, diperoleh bahwa cadangan premi yang lebih ideal adalah cadangan premi yang menggunakan tabel mortalita modifikasi perusahaan.

Scholarship’s Payment Modelling for Work Accident Insurance Program (JKK) in Indonesia Yulial Hikmah
EKSAKTA: Journal of Sciences and Data Analysis VOLUME 2, ISSUE 1, February 2021
Publisher : Fakultas Matematika dan Ilmu Pengetahuan Alam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/EKSAKTA.vol2.iss1.art2

Work Accident Insurance (JKK) is a protection for the risk of accidents or illness due to work during the service period. JKK is divided into two benefits, namely care and compensation. Undang-Undang Republik Indonesia No 102/2015 regulates that scholarship assistance is given in lump sum (at once). Giving lumpsum scholarship assistance is felt to be less on target. Some cases that have occurred, the recipient (heir) has not attended school when given scholarship assistance so it is probable that the scholarship assistance is not used properly. This study discusses 3 models, namely the lumpsum model based on Undang-Undang Republik Indonesia No 102/2015, alternative model 1 (Rp 30,000,000 and given when entering a new level of education), and alternative model 2 (Rp 40,000,000 and given when entering a new level of education). There are three criteria in determining the best model, which has a greater benefit value, the burden that must be borne by the company is smaller or the same as the lumpsum method and payment is more targeted. By using these three criteria, it was found that alternative model 2 was the best model.

LITERASI KEUANGAN PADA SISWA SEKOLAH DASAR DI KOTA DEPOK, PROVINSI JAWA BARAT, INDONESIA Yulial Hikmah
JURNAL PENGABDIAN KEPADA MASYARAKAT Vol 26, No 2 (2020): APRIL - JUNI
Publisher : Universitas Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24114/jpkm.v26i2.16780

Menurut Kementerian Pendidikan dan Kebudayaan, Indonesia, Pendidikan literasi keuangan sangat diperlukan untuk mendidik manusia sadar dan paham tentang bagaimana cara mengelola keuangan secara bijak. Pendidikan literasi keuangan harus diberikan sedini mungkin kepada anak terutama pada anak usia pra sekolah dan sekolah dasar. Studi dari University of Cambridge mengungkapkan bahwa anak-anak mulai membentuk kebiasaan finansial sejak usia 7 tahun. Oleh karena itu, penelitian ini melaksanakan serangkaian kegiatan literasi keuangan untuk siswa sekolah dasar, yaitu menonton video edukasi animasi, simulasi permainana monopoli ramah anak, simulasi menabung dan membuat anggaran, serta wisata edukasi ke Museum Bank Indonesia. Kegiatan literasi diharapkan mampu meningkatkan kecerdasan finansial anak. Penelitian ini menggunakan uji beda rata-rata statistik untuk menemukan apakah rangkaian kegiatan literasi finansial meningkatkan kecerdasan finansial atau tidak. Sebelum melakukan uji beda mean, dilakukan uji kenormalan data. Jika data tidak normal maka digunakan uji beda mean Wilcoxon. Hasil pengujian menunjukkan bahwa kegiatan literasi keuangan dapat meningkatkan kecerdasan siswa sekolah dasar.Kata kunci: Kecerdasan Finansial; Permaninan Monopoli Ramah Anak; Uji Beda Mean Wilcoxon.AbstractBased on Kementerian Pendidikan dan Kebudayaan Republik Indonesia, financial literacy education is needed to educate people to be aware and understand how to manage finances wisely. Financial literacy education must be given as early as possible to the children, especially in pre-school and elementary school. A study from the University of Cambridge results that the children begin to form the financial habits from the age of 7 years old. Therefore, this study conducted a series of financial literacy activities to elementary school students, namely watching animated education videos, simulating child-friendly monopoly game, saving simulations and making budgets, and educational tours to the Bank Indonesia Museum. Literacy activities are expected to increase children's financial intelligence. This study uses a statistical mean difference test to find out whether a series of financial literacy activities increase financial intelligence or not. Before conducting the mean difference test, a normality test is performed. If the data don’t spread normally then used the Wilcoxon mean different test. The test results show that financial literacy activities can improve the financial intelligence of elementary school students.Keywords: Financial Literacy; Child-Friendly Monopoly Game; Wilcoxon Mean Difference Test.

Perbandingan Nilai Akuntansi Jasa Dagang dan Pengantar Akuntansi 1 pada Dua Kurikulum Berbeda. Studi Kasus: Program Studi Akuntansi Vokasi UI Birawani Dwi Anggraeni; Yulial Hikmah; Sandra Aulia Zanny
Journal of Applied Accounting and Taxation Vol 2 No 2 (2017): Journal of Applied Accounting and Taxation (JAAT)
Publisher : Pusat P2M Politeknik Negeri Batam

Accounting Studies Vocational UI begin implementing a new curriculum based on competency started the school year 2016/2017. The curriculum changes implemented in the 2016 freshmen class accounting curriculum change significantly in terms of both depth and breadth of study material, naming the subjects or the number of hours of study implementation. The purpose of this study to compare the final value accounting students in the subject of Accounting Services trade on the New Curriculum and course Introduction to Accounting 1 Curriculum Lama where the subject is given in the first semester as a basic accounting course. The data used in this study is the student of 2016 and 2015. The methodology used is two different hypothesis test average. Limitations of this study was to use secondary data that the final value to be tested with a significance test average of two independent. Results obtained from this research possible differences in learning achievement results are reflected in the final grades of students using the new curriculum. New curriculum in 2016 is considered to provide a significant effect on students' academic achievement in basic accounting course, as a foundation reinforcement materials accounting for the next semester.

PEMODELAN SPASIAL DATA PANEL UNTUK MENENTUKAN FAKTOR-FAKTOR YANG MEMPENGARUHI KESEHATAN DI PROVINSI PAPUA Ira Rosianal Hikmah; Yulial Hikmah
STATMAT : JURNAL STATISTIKA DAN MATEMATIKA Vol 2, No 2 (2020)
Publisher : Math Program, Math and Science faculty, Pamulang University

Menurut data BPS, tingkat pertumbuhan populasi di Indonesia secara konsisten meningkat setiap tahun. Kondisi pertumbuhan populasi yang tidak dapat ditekan akan menyebabkan berbagai masalah. Salah satu masalah yang mungkin terjadi di Indonesia dan sulit diselesaikan adalah kesehatan masyarakat Indonesia. Hingga saat ini, jumlah penduduk sakit di Indonesia masih cukup tinggi. Model panel spasial merupakan hasil pengembangkan model data panel. Pengembangan ini dilakukan karena adanya pengaruh spasial atau lokasi pada data panel. Informasi spasial sangat penting karena dapat menentukan hubungan suatu daerah dengan daerah lain yang berdekatan. Data yang mengandung elemen spasial tidak akan akurat jika hanya menggunakan regresi panel karena ada asumsi yang dilanggar, salah satunya akan menghasilkan kesalahan yang heterogen. Hal ini disebabkan karena adanya hubungan antar wilayah. Tujuan dari penelitian ini adalah menentukan faktor-faktor yang mempengaruhi persentase penduduk sakit di Provinsi Papua berdasarkan beberapa model panel spasial yang dipilih, yaitu model SAR, SEM, dan GSM. Selanjutnya dilakukan analisis untuk mendapatkan model panel spasial terbaik.

ANALISIS TARIF PREMI DAN ASUMSI LOADING PADA PRODUK ASURANSI DWIGUNA BEASISWA Ira Rosianal Hikmah; Yulial Hikmah
Journal of Fundamental Mathematics and Applications (JFMA) Vol 3, No 1 (2020)
Publisher : Diponegoro University

Based on data from Badan Pusat Statistik (BPS), the number of Indonesia's population has consistently increased every year. This will cause several problems, one of them is public health. Health problems that occur cause some risks that cause losses. Therefore, one way to reduce the impact of these risks is insurance. This study analyzes how the process of forming premium prices with loading assumptions that are in accordance with existing assumptions in order to meet the criteria of equitable to the client, deliverable by the agent, and profitable to the company. This research uses a quantitative research approach. The population in this study was all Sum Insured (SI) while the sample was 1000 SI male sex. The data used in this study are secondary data that is data from an ABC insurance company in Indonesia, literature study through books, journal references, and previous research. The results of this study are the calculation of premiums by the methods used by the company more efficiently when compared with formulas in accordance with the theory. Although the price of a premium is more expensive using the company method, it is not significantly different. If using the company method, the sum insured used is the sum insured from death benefit whereas the theory is the average of claims incurred at that age. The fees charged are still fairly reasonable in accordance with the rules of setting the price of insurance premiums. In addition, the use of CSO 80 tables and Reinsurance Rates that have been adjusted to the company's interest rate of 5% in accordance with the expected cash value desired by the company.

ESTIMASI CADANGAN KLAIM IBNR MENGGUNAKAN METODE CHAIN-LADDER DAN BORNHUETTER-FERGUSON PADA PRODUK INDEMNITY DI PT. XYZ Raisha Amini; Yulial Hikmah
MAp (Mathematics and Applications) Journal Vol 4, No 1 (2022)
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/map.v4i1.4203

Klaim IBNR (Incurred But Not Reported) adalah klaim yang sudah terjadi namun belum dilaporkan. Karena belum dilaporkan, maka totalnya diakumulasikan dalam bentuk cadangan dan dianggap sebagai kewajiban bagi perusahaan asuransi karena sudah terjadi. Klaim yang sudah terjadi namun belum dilaporkan ini disebabkan oleh keterlambatan atau disebut lag/jarak yang disebabkan oleh berbagai faktor. Setiap produk asuransi memiliki lag yang berbeda-beda. Perusahaan asuransi tidak mempunyai data keterlambatan tersebut sehingga data tersebut dapat dibentuk dari data klaim historis menggunakan run-off triangle. Tujuan dari run-off triangle adalah mengetahui berapa lama yang dibutuhkan dari suatu klaim yang terjadi sampai klaim tersebut dilaporkan. Data klaim historis dalam bentuk run-off triangle disebut sebagai incurred sehingga diperoleh gambaran pengalaman klaim dan data tersebut digunakan untuk mengestimasikan masa depan dengan tujuan untuk mendapatkan estimasi ultimate loss. Estimasi ultimate loss adalah estimasi total klaim jika sudah full terlaporkan. Jika sudah didapatkan estimasi ultimate loss dan incurred, maka selisihnya merupakan cadangan klaim yang sudah terjadi namum belum dilaporkan atau IBNR. Terdapat banyak metode untuk memperhitungkan cadangan klaim IBNR. Beberapa Metode yang dapat digunakan adalah dengan metode Chain-Ladder dan Bornhuetter-Ferguson. Hasil menunjukkan bahwa metode Bornhuetter-Ferguson lebih sesuai pada pehitungan cadangan klaim untuk produk indemnity di PT. XYZ. Hal ini disebabkan oleh data klaim historis di penelitian ini memiliki rata-rata waktu penundaan pelaporan klaim lebih dari dua hingga tiga bulan serta estimasi cadangan klaim dengan metode Bornhuetter-Ferguson menghasilkan cadangan klaim lebih besar dibandingkan dengan metode Chain-Ladder. Oleh karena itu, PT. XYZ akan lebih aman untuk menghindar risiko kekurangan cadangan jika menerapkan metode Bornhuetter-Ferguson dibandingkan dengan metode Chain-Ladder.

Proses Klaim Produk Director & Officers (D&O) Liability Insurance di Indonesia Yulial Hikmah
Jurnal Ekonomi Modernisasi Vol. 15 No. 3 (2019): Oktober
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Kanjuruhan Malang

D&O (Directors & Officers) liability insurance is a protection of guarantees for Directors and Company officials (the insured) for losses arising from third party claims due to negligence around managerial or operational matters carried out by the insured. This study discusses the process of settling claims for D&O liability insurance products, claim adjustments in compensation calculations, and provisions in policies that are considered adjustments to compensation calculations. This research was conducted by interview, observation and literature study. The claim process begins with claims from third parties to the insured, and must be reported directly to the guarantor (insurance company) as soon as possible. After the report is received by the guarantor, the guarantor will begin to follow up on the claim by conducting a survey of claim investigation and collecting supporting documents needed. Furthermore, the guarantor will make a decision whether the claim submitted by the insured is guaranteed or not based on the provisions of the policy. If the claim is rejected, a rejection notice will be sent. However, if it turns out that the claim is declared guaranteed, a claim approval notice will be sent to subsequently make a claim payment. Adjustment in the calculation of compensation is needed to optimize the amount of compensation issued by the insurance company so that it can be minimized in order to achieve corporate profits.

Co-Authors Adam, Fia Fridayanti Birawani Dwi Anggraeni Clarissa, Putri Rumondang Husna, Azka Nurul Imani, Alvira Adya Ira Rosianal Hikmah Isriani Isriani Jihan Khafidhotin Najah Julyet Cipta Fauziyah kasim, elsie Raisha Amini Safitri, Karin Amelia Sandra Aulia

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