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All Journal Dinasti International Journal of Digital Business Management Parameter: Jurnal Matematika, Statistika dan Terapannya
Ayyasy, Muhammad Yahya
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Decision Sciences, Operations Research & Management Mathematics

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The Influence of Work Stress, Work-Life Balance, and Job Insecurity on Employee Job Satisfaction at Hotel 'AI' Bekasi Ayyasy, Muhammad Yahya; Kasmir, Kasmir
Dinasti International Journal of Digital Business Management Vol. 6 No. 5 (2025): Dinasti International Journal of Digital Business Management (August - Septembe
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijdbm.v6i5.5139

Abstract

This study aims to investigate the effect of job stress on work-life balance, job insecurity, and job satisfaction, as well as to examine the intermediary roles of work-life balance and job insecurity in the connection between job stress and job satisfaction among employees of Hotel “AI” Bekasi. A quantitative method was used with Structural Equation Modeling (SEM) using Partial Least Squares (PLS). Samples were selected through purposive sampling from Hotel “Ai” Bekasi employees. Results indicate that job stress negatively impacts work-life balance and job satisfaction significantly; while positively affecting job insecurity. Furthermore, work-life balance has a positive impact on job satisfaction, whereas job insecurity negatively influences it. The findings also show that work-life balance and job insecurity significantly mediate the association between job stress and job satisfaction. This study emphasizes the importance of managing job stress and effective management strategies to enhance work-life balance, reduce job insecurity, and increase job satisfaction, thereby positively impacting service quality and hotel competitiveness
Analysis of Premium Reserves in Whole Life and Term Life Insurance Using the New Jersey Prospective Method Husuna, Cabelita; Achmad, Novianita; Nuha, Agusyarif Rezka; Yahya, Nisky Imansyah; Ayyasy, Muhammad Yahya
Parameter: Jurnal Matematika, Statistika dan Terapannya Vol 4 No 3 (2025): Parameter: Jurnal Matematika, Statistika dan Terapannya
Publisher : Jurusan Matematika FMIPA Universitas Pattimura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30598/parameterv4i3pp509-520

Abstract

Human life is constantly exposed to risks such as illness, accidents, and death, which create financial uncertainties for individuals and families. Life insurance serves as an essential financial instrument to mitigate these risks by transferring potential liabilities to insurance companies. This study analyzes premium reserves for whole life and term life insurance using the New Jersey Prospective Method, applying a 6% interest rate and the 2023 Indonesian Mortality Table (TMPI) as the basis of calculation. Actuarial commutation functions are employed to compute annuity values, single net premiums, annual net premiums, and reserve allocations across different ages. The results indicate that reserve values increase with age, reflecting higher mortality risks, with whole life insurance showing a sharper escalation compared to term life insurance. The New Jersey Prospective Method demonstrates accuracy and consistency in reserve estimation, particularly by setting zero reserves in the first policy year, thereby supporting initial liquidity. These findings highlight the method’s effectiveness in maintaining financial stability and readiness of insurance companies to meet future claims and long-term obligations to policyholders.
Co-Authors Agusyarif Rezka Nuha Husuna, Cabelita Kasmir Kasmir, Kasmir NISKY IMANSYAH YAHYA