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All Journal Desimal: Jurnal Matematika Nusantara Hasana Journal
Anggraini, Dyah Prita
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Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Education Mathematics Nursing Social Sciences

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THE INFLUENCE OF LITERACY AND INCOME ON PEOPLE’S DECISIONS TO HAVE INSURANCE AND PENSION PROGRAMS Anggraini, Dyah Prita; Aldila Nur Indah Berliana Ratam
Nusantara Hasana Journal Vol. 5 No. 1 (2025): Nusantara Hasana Journal, June 2025
Publisher : Yayasan Nusantara Hasana Berdikari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59003/nhj.v5i1.1481

Abstract

This study aims to determine wether there is a positive and significant relationship between insurance literacy or pension programs and people’s decisions to have insurance or pension programs, wether there is a positive and significant relationship between income and people’s decisons to have insurance or pension programs, and wether there is a positive and significant relationship between insurance literacy or pension programs and income with people’s decisions to have insurance and pension programs. The subjects of this study were respondents from the webinar “Insurance Literacy in Maintaining Finansial Stability”. The method used is the Pearson Product Moment correlation tehnique to determine the relationship between each literacy variable and income to people’s decisions to have insurance or pension programs. From the test results, it was obtained that there was a positive and significant relationship between literacy and people’s decisions to have insurance or pension programs, there was a positive and significant relationship between income and people’s decisions to have insurance literacy or pension programs, income, and people’s decisions to have insurance or pension programs. Results of this study provided information for insurance industry that people will buy insurance if they have sufficient income and a good literacy about insurance and pension programs.
Dynamic Modeling and Stability Analysis of Loans, Deposits, and Liquidity in Conventional Banking Aulia, Lathifatul; Diana, Arista Fitri; Anggraini, Dyah Prita; Ginanjar, Agung
Desimal: Jurnal Matematika Vol. 9 No. 3 (2026): Desimal
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/desimal.v9i3.32376

Abstract

This study develops a three-dimensional nonlinear ordinary differential-equation model linking normalized deposits, loans, and liquidity through liquidity-dependent deposit pressure. The analysis derives the equilibrium conditions while retaining the regularization parameter, examines conditional positivity and boundedness, and evaluates local stability using the Jacobian and Routh–Hurwitz criterion. The nonnegative orthant is not generally forward invariant; therefore, global positivity is not claimed. For a literature-informed illustrative baseline, the model admits two positive interior equilibria. The lower equilibrium (D=0.165214, L=0.141010, R=0.047210) is unstable, whereas the upper equilibrium (D=0.999790, L=0.853321, R=0.285690) is locally asymptotically stable. The origin is also locally stable in the mathematical domain. Recalculated fourth-order Runge–Kutta simulations and ±5% one-at-a-time sensitivities show how the 50-year normalized indices respond to baseline parameters; deposit carrying capacity has the largest positive local sensitivity for deposits under the selected conditions. The numerical parameters are assumed or literature-informed rather than fitted to historical banking observations. Accordingly, the model offers a conditional theoretical account of nonlinear banking feedback and requires formal parameter estimation and external validation before operational or regulatory application.
Co-Authors Agung Ginanjar Aldila Nur Indah Berliana Ratam Aulia, Lathifatul Diana, Arista Fitri