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All Journal Jurnal Lebesgue : Jurnal Ilmiah Pendidikan Matematika, Matematika dan Statistika Enthusiastic : International Journal of Applied Statistics and Data Science
Vikarti, Maulida Magdalena
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Mathematics

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PERHITUNGAN PREMI ASURANSI PERTANIAN BERDASARKAN INDEKS IKLIM CURAH HUJAN DENGAN MENGGUNAKAN METODE BLACK-SCHOLES DI PROVINSI LAMPUNG Vikarti, Maulida Magdalena; Lestari, Fuji
Jurnal Lebesgue : Jurnal Ilmiah Pendidikan Matematika, Matematika dan Statistika Vol. 6 No. 1 (2025): Jurnal Lebesgue : Jurnal Ilmiah Pendidikan Matematika, Matematika dan Statistik
Publisher : LPPM Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/lb.v6i1.956

Abstract

Agriculture plays an important role in national economic development, but has the highest risk of loss due to its dependence on climatic conditions. One of the efforts to reduce the risk of crop failure is through an agricultural insurance program. The agricultural insurance used in this study is rainfall climate index-based agricultural insurance. This study aims to analyze the value of the rainfall climate index to be used and analyze the calculation of agricultural insurance premiums based on the rainfall climate index. The method used to determine the rainfall climate index is the Historical Burn Analysis method and the method used to calculate agricultural insurance premiums is the Black-Scholes method. The results showed variations in trigger and exit values at each BMKG station, with North Lampung Geophysical Station having the highest trigger and exit of 36,87 mm and 49,64 mm, while the highest premium was recorded at Panjang Maritime Meteorological Station at Rp 3.025.887,38. This is due to the risk of extreme events below the trigger value occurring more frequently
Black-Scholes Method for Rainfall Index-Based Agricultural Insurance Premiums Lestari, Fuji; Julianty, Dila Tirta; Vikarti, Maulida Magdalena
Enthusiastic : International Journal of Applied Statistics and Data Science Volume 6 Issue 1, April 2026
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/enthusiastic.vol6.iss1.art7

Abstract

Agriculture plays an important role in national economic development. However, it has the highest risk of loss due to its dependence on climate conditions. One of the efforts to reduce the risk of crop failure is through an agricultural insurance program. This study aimed to analyze the value of the rainfall climate index used and the calculation of agricultural insurance premiums based on it. The method used to determine the rainfall climate index was the historical burn analysis method, while the method used to calculate agricultural insurance premiums was the Black-Scholes method. The study showed significant spatial variation in rainfall index-based agricultural insurance premiums across Sumatra. Premiums rose with higher percentiles, with North Sumatra the highest (IDR 3.28–3.55 million) and Aceh the lowest (IDR 100–137 thousand). The inclusion of all rainfall stations revealed a more detailed spatial pattern. Overall, premiums strongly reflect local climatic conditions and can aid risk assessment and insurance planning.
Co-Authors Dila Tirta Julianty Fuji Lestari Fuji Lestari