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All Journal Panthera : Jurnal Ilmiah Pendidikan Sains dan Terapan Madani: Multidisciplinary Scientific Journal
Hondro, Yizhar Saputra
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Analisis Faktor-faktor yang Mempengaruhi Keputusan Pembelian Mobil Menggunakan Regresi Logistik Biner Haliza, Putri Yusra; Tamara, Angga; Mario, Christoffel; Hondro, Yizhar Saputra; Siahaan, Linda Natasya; Dalimunthe, Syairal Fahmy
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 2 (2025): March
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.15077946

Abstract

This study aims to analyze the factors influencing car purchase decisions using binary logistic regression. Data were obtained from 1,000 respondents with independent variables including age, marital status, gender, car ownership, and income. The analysis results show that marital status, gender, and income significantly influence purchase decisions. Married respondents tend to have a lower likelihood of purchasing a car compared to single respondents, while females have a smaller tendency compared to males. On the other hand, higher income significantly increases the probability of car purchase. The constructed binary logistic regression model has a prediction accuracy of 93.8%, demonstrating its reliability in classifying purchase decisions. This study provides valuable insights for the automotive industry in designing effective and targeted marketing strategies. Additionally, further exploration of other factors such as brand preferences, geographic location, and psychological factors is recommended to enrich the understanding of automotive market behavior.
Analisis Autokorelasi Spasial: Studi Kasus Pembangunan Sekolah dan Kepadatan Penduduk di Wilayah Sumatera Utara Hondro, Yizhar Saputra; Triono, Wira; Panjaitan, Rizky Rafiza
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 3 (2025): April 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.15152625

Abstract

This study uses a quantitative approach that examines the development of schools, especially elementary schools, towards population density in the North Sumatra region using the Moran's I and LISA methods. Defining spatial autocorrelation as the relationship between the closest spatial units as seen on the map, and based on the results of the analysis, 4 regions were obtained for the number of residents that significantly influenced autocorrelation, including Deli Serdang (p-value = 0.0004), Karo (p-value = 0.0086), Medan (p-value = 0.00001), and Binjai (p-value = 0.0028). In addition, for the number of elementary schools, 7 regions were obtained that significantly influenced autocorrelation, namely Batu Bara (0.0371), Deli Serdang (p-value = 0.0003), Karo (p-value = 0.0006), Binjai (p-value = 0.0015), Medan (p-value = 0.0009), Pematangsiantar (p-value = 0.0279), and Sedang Berdagai (p-value = 0.0310). These regions have p-values less than 0.05 so it can be concluded that these regions significantly influence spatial autocorrelation.
Analisis Perbandingan Premi Asuransi Jiwa Berjangka Model Diskrit dan Kontinu dengan Suku Bunga CIR Sinaga, Anita; Surbakti, Christina Amanda; Hondro, Yizhar Saputra
Panthera : Jurnal Ilmiah Pendidikan Sains dan Terapan Vol. 6 No. 2 (2026): April
Publisher : Lembaga Pendidikan, Penelitian, dan Pengabdian Kamandanu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/panthera.v6i2.1234

Abstract

This study aims to analyze and compare the calculation of the net single premium of term life insurance using the discrete and continuous model approaches with the Cox-Ingersoll-Ross (CIR) stochastic interest rate. The data used are the BI Rate interest rate for the period January 2022 to February 2026, as well as the 2023 Indonesian Population Mortality Table (TMPI) for the female category. The CIR model parameter estimation was carried out using the Ordinary Least Squares (OLS) method. The estimation results show that the model has mean reversion characteristics with a long-term average of 0.05 (5%) and a variance of 0.0000002, which indicates relatively stable interest rate fluctuations. The interest rate rate (force of interest) is obtained at δ = 0.036025. Furthermore, the model is used to calculate the discount factor and premium. The calculation results show that the net single premium with the discrete approach is Rp 911,088.22, smaller than the continuous approach of Rp 927,703.73. This difference is due to the timing of benefit payments. The discrete model assumes payment at the end of the year of death, while the continuous model assumes payment at the time of death. Therefore, the continuous approach yields a greater present value of future benefits. This study shows that the choice of premium model and interest rate assumptions significantly influence premium amounts.
Co-Authors Haliza, Putri Yusra Mario, Christoffel Panjaitan, Rizky Rafiza Siahaan, Linda Natasya Sinaga, Anita Surbakti, Christina Amanda Syairal Fahmy Dalimunthe Tamara, Angga Triono, Wira