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All Journal Desimal: Jurnal Matematika Griya Journal of Mathematics Education and Application
Saldi, Aqil Afrizqal
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Education Mathematics Social Sciences

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Analisis Faktor-Faktor Penentu Upah Minimum Regional Menggunakan Regresi Linear Berganda Manik, Indri Theresia; Saldi, Aqil Afrizqal; Junita, Iqva; Sitorus, Nadicta Eunike; Sagala, Regilpa; Pinem, Yoga Nawarisa
Griya Journal of Mathematics Education and Application Vol. 5 No. 4 (2025): Desember 2025
Publisher : Pendidikan Matematika FKIP Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/griya.v5i4.879

Abstract

This study analyzes the factors influencing the determination of the Regional Minimum Wage (UMR) in Indonesia in 2024 using multiple linear regression. The variables used include the Living Needs (KHL), Gross Domestic Product/Gross Regional Domestic Product (GDP/GRDP), and labor productivity. Data were obtained from the Central Statistics Agency (BPS) and the Ministry of Manpower of the Republic of Indonesia, covering 20 provinces after data cleaning from outliers. The results show that the KHL has a very significant and positive effect on the UMR, meaning that the higher the cost of living in a province, the higher the UMR set. GDP also has a positive effect, indicating that a region's economic capacity increases the minimum wage. Conversely, labor productivity has a negative effect on the UMR, indicating that regions with high productivity tend to have lower wage levels due to labor market dynamics. These findings emphasize the importance of considering socio-economic factors that vary across regions in formulating minimum wage policies in Indonesia.
Analysis of the Impact of Changes in the Indonesian Mortality Table III to IV on Life Insurance Premiums Using the Gompertz–Makeham Model Approach Sitorus, Nadicta Eunike; Saldi, Aqil Afrizqal; Sagala, Regilpa
Desimal Vol. 9 No. 1 (2026): Desimal
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/djm.v9i1.30906

Abstract

Life insurance premium determination is highly sensitive to mortality assumptions, which are typically represented through actuarial mortality tables. The transition from the Indonesian Mortality Table III (2011) to Table IV (2019) reflects structural shifts in population mortality that may alter both actuarial valuation and model behavior. Despite its importance, limited research has examined how such changes influence premium outcomes within a continuous mortality modeling framework. This study aims to investigate the impact of mortality table transitions on life insurance premiums using the Gompertz–Makeham model, with particular emphasis on parameter sensitivity and model consistency. Secondary data of age-specific mortality probabilities for individuals aged 20–60 years, classified by gender, were transformed into continuous mortality rates and estimated using numerical optimization techniques. Model performance was assessed through the alignment between observed and fitted mortality patterns, as well as the exponential growth structure implied by the model. Premium calculations were conducted using the net single premium approach under a constant interest rate assumption. The results show that the updated mortality table systematically reduces premium values by a measurable margin, with stronger effects observed at older ages. Furthermore, the findings reveal that parameter changes significantly influence the stability and responsiveness of the mortality model. This study contributes by offering a quantitative sensitivity-based framework that integrates mortality table transitions into continuous actuarial modeling, thereby enhancing the accuracy and reliability of premium estimation.
Co-Authors Junita, Iqva Manik, Indri Theresia Pinem, Yoga Nawarisa Sagala, Regilpa Sitorus, Nadicta Eunike