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All Journal International Journal of Applied Sciences and Smart Technologies Jurnal Medika: Medika
Wynnie, Illuminata
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Computer Science & IT Dentistry Energy Engineering Health Professions Industrial & Manufacturing Engineering Medicine & Pharmacology Nursing Public Health

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Determination of Premium Reserves for Whole Life Insurance Using the Canadian Method with Varying Premium Payment Periods Wynnie, Illuminata; Yefan, Yefan
International Journal of Applied Sciences and Smart Technologies Volume 07, Issue 1, June 2025
Publisher : Universitas Sanata Dharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24071/ijasst.v7i1.12283

Abstract

Premium reserves are essential funds prepared by insurance companies, particularly in life insurance, to cover potential future claims. These reserves are calculated based on premiums paid by policyholders and must be sufficient to meet all projected claim-related expenses. A lower reserve implies reduced financial liability and typically correlates with more affordable premium rates for policyholders. This study aims to analyze the determination of premium reserves using the Canadian and Prospective methods in traditional life insurance products, specifically whole life insurance, focusing on different premium payment periods. The Indonesian Population Mortality Table (TMPI) 2023 and the Bank Indonesia interest rate of 5.57% (as of April 2025) as the calculation basis. The results show that the Canadian method produces lower reserve values compared to the Prospective method and indicate a decreasing trend in reserve values as the premium payment period increases in both methods.
Pendampingan Kompetensi Transformasi Digital Perangkat Desa Pesisir Kabupaten Bulukumba Sampetoding, Eliyah Acantha Manapa; Alpiani, Alpiani; Wynnie, Illuminata; Ramadhan, Muhammad Zoel; Sianipar, Kelvin Leonardo; Amiruddin, Muh. Adnan Putra; Hendra, Muhammad Ilham Syahfithrah
Jurnal Medika: Medika Vol. 4 No. 4 (2025)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/a68ka906

Abstract

Kabupaten Bulukumba merupakan daerah pesisir dengan garis pantai yang cukup panjang. Kementerian Desa PDTT telah menetapkan 20 desa di wilayah ini sebagai lokus Desa Cerdas, salah satunya Desa Gunturu. Program Desa Cerdas menekankan pentingnya pemanfaatan teknologi digital dalam mendukung pembangunan desa. Melalui program Pengabdian kepada Masyarakat (PkM) bertajuk SiBulu, kegiatan ini bertujuan meningkatkan kompetensi transformasi digital perangkat Desa Gunturu dengan melibatkan mitra BUMDes Passiturukan. PkM SiBulu berkontribusi pada agenda Asta Cita “Membangun dari desa dan dari bawah” dalam mendorong pemerataan ekonomi serta pengentasan kemiskinan melalui peningkatan kualitas SDM yang sejalan dengan SDGs. Pelaksanaan kegiatan dilakukan dengan pendekatan lima tahap berbasis metode Design-Science Research di bidang Sistem Informasi. Hasil pelaksanaan mendapatkan tanggapan positif dari mitra, dan diharapkan kegiatan ini dapat berlanjut serta diperluas pada tahun mendatang.
Co-Authors Alpiani, Alpiani Amiruddin, Muh. Adnan Putra Eliyah Acantha Manapa Sampetoding Hendra, Muhammad Ilham Syahfithrah Ramadhan, Muhammad Zoel Sianipar, Kelvin Leonardo Yefan, Yefan