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Dwi Haryanto
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Premium: Insurance Business Journal
Published by Sekolah Tinggi Manajemen Asuransi Trisakti
ISSN : 20868588     EISSN : 27463427     DOI : https://doi.org/10.35904/pre
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Premium Insurance Business Journal (PIBJ) adalah jurnal nasional yang dikelola oleh Pusat Penelitan dan Pengabdian Kepada Masyarakat (Puslitdimas) Sekolah Tinggi Manajemen Asuransi Trisakti. Jurnal Premium fokus menerbitkan artikel-artikel yang berkaitan dengan Asuransi, Aktuaria, Manajemen Risiko, Marketing, Manajemen Keuangan, Bisnis dan Ekonomi. Fokus dan Ruang Lingkup Asuransi (Umum, Jiwa, Syariah, Reasuransi, Broker, dll) Aktuaria Manajemen Risiko Marketing Manajemen Keuangan Ekonomi dan Bisnis
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 62 Documents
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PENGGUNAAN CHATGPT PADA PROSES PEMBELAJARAN PADA MATA KULIAH PEMASARAN DIGITAL UNTUK MENINGKATKAN KEMANDIRIAN MAHASISWA DI STMA TRISAKTI Sidik, Syahrial; Wahyuari, Wahyuari; Laratmase, Antonia Junianty; Suhendar, Bagus
Premium Insurance Business Journal Vol. 11 No. 1 (2024): PREMIUM INSURANCE BUSINESS JOURNAL
Publisher : P3M Trisakti School of Insurance (TSI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35904/premium.v11i1.57

Abstract

New technologies, like ChatGPT, are changing the way we learn in school. Some people really like it, but others don't like it as much. Many people are talking about how ChatGPT affects education. The purpose of this study is to examine how the use of ChatGPT in the learning process can increase student independence at STMA Trisakti. This is really important because students are one of the people who use ChatGPT. The type of research used is descriptive-quantitative. The sample used is the pre-test and post-test results of all STMA Trisakti students in digital marketing courses, totaling 34 respondents. The data analysis techniques used in the study were a validity test, a reliability test, a prerequisite test, and a hypothesis test (a paired sample test) to see which one had the biggest increase. The results showed that there was a significant difference between the pre-test and post-test scores on whether the use of Chat GPT in the learning process can increase student independence at STMA Trisakti. These results can be used to conclude that the knowledge score in the learning process increases student independence at Stma Trisakti.
Pengaruh Jumlah Pengajuan Penutupan dan Premi Asuransi Kebakaran terhadap Laba Bersih pada PT. Bosowa Asuransi Cabang Jakarta Kota Laksono, Ferdi; Kurniawan, Y. Jhony; Addini, Fida Fathiyah
Premium Insurance Business Journal Vol. 11 No. 1 (2024): PREMIUM INSURANCE BUSINESS JOURNAL
Publisher : P3M Trisakti School of Insurance (TSI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35904/premium.v11i1.58

Abstract

This research aims to analyze the influence of the number of closing applications and fire insurance premiums on the net profit of PT. Bosowa Insurance Jakarta City Branch. This research uses quantitative data analysis methods by collecting data from insurance transaction records from June 2022 to April 2024. The collected data is analyzed using multiple linear regression methods to identify the relationship between the independent variables (Number of Closing Applications and Fire Insurance Premiums) and the dependent variable (Profit Clean). The results of the research show that there is an influence of the Number of Closing Applications on Net Profit, while the effect of Fire Insurance Premiums on Net Profit is temporary and not strong. The implication of this research is the importance of management in managing the number of Closing Applications and Fire Insurance Premiums to increase Net Profit at PT. Bosowa Insurance Jakarta City Branch.
Sistem Pakar Rekomendasi Produk Asuransi Jiwa Berdasarkan Profil Nasabah menggunakan Algoritma Forward Chaining Istiqomah, Nalar; Novika, Fanny
Premium Insurance Business Journal Vol. 11 No. 1 (2024): PREMIUM INSURANCE BUSINESS JOURNAL
Publisher : P3M Trisakti School of Insurance (TSI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35904/premium.v11i1.59

Abstract

The aim of this research is to build a web-based expert system that can provide life insurance product recommendations. This expert system can be used to help people choose life insurance products that suit their own profile. This research began by conducting a literature study to determine the type of life insurance product and compiling a questionnaire which would later be given to experts. The results of this questionnaire are used as the basis for expert system knowledge which will later be processed using a forward chaining algorithm. From this process, 6 rules were obtained that can be used to recommend life insurance products. After the rules are obtained, a web based expert system is built using the PHP programming language. The expert system was tested using the black box method. From the test results, it is known that the system can carry out its functions well. Therefore, the website can be published on the internet and can be accessed at consurence.id.
Perhitungan Premi Risiko pada Data Klaim Asuransi Kendaraan Bermotor PT Asuransi Wahana Tata Cabang Bukittinggi Rosita, Silvia; Nopri Bima Sakti; Siska Resti
Premium Insurance Business Journal Vol. 11 No. 2 (2024): PREMIUM INSURANCE BUSINESS JOURNAL
Publisher : P3M Trisakti School of Insurance (TSI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35904/premium.v11i2.60

Abstract

The insured who pays a nominal premium is a profit for the insurance company. Business actors must be prepared to face claims where losses could exceed the amount of premium income. If the amount of claims that the insurance company must pay is less than or comparable to the total amount of net funds available, then the insurance company can be able to exist longer. If the number of claims that the company will pay is less than or comparable to the amount of net funds available, then the insurance company will be able to survive. Losses can occur even though the premium paid by each policyholder has been calculated. This incident was caused by the large number of claims coming in, causing the value of the claims to become quite large. Based on the description above, this research tries to calculate risk premiums based on data on the number of claims and the amount of claims on motor vehicle insurance coverage with All Risk and TLO coverage types. Using Ozgurel's (2005) formulation at the Bukittinggi branch of the Aswata company from 2018 to 2022. This research used quantitative methodology and secondary data from each motor vehicle insurance policy holder. Based on research findings, the All Risk and TLO protection guarantees ensure that, for each protection guarantee in motor vehicle insurance for 2018–2022, the overall risk premium value isnot much higher than the total claim amount.
Penerapan Distribusi Zero Inflated Lognormal Pada Data Besar Klaim Asuransi Gempa Bumi PT X Ikbar Farid Maulana; Aceng Komarudin Mutaqin
Premium Insurance Business Journal Vol. 11 No. 2 (2024): PREMIUM INSURANCE BUSINESS JOURNAL
Publisher : P3M Trisakti School of Insurance (TSI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35904/premium.v11i2.61

Abstract

Abstrak Asuransi gempa bumi menjadi bagian penting dalam mitigasi risiko bencana alam. Data besar klaim asuransi gempa bumi seringkali mengandung nilai nol. Salah satu distribusi yang dapat digunakan untuk memodelkan data besar klaim asuransi gempa bumi yang mengandung nilai nol adalah distribusi zero inflated lognormal. Dalam penelitian ini distribusi zero inflated lognormal akan diterapkan untuk memodelkan data besar klaim asuransi gempa bumi PT X di Indonesia tahun 2019- 2023. Parameter dari distribusi zero inflated lognormal akan ditaksir menggunakan metode penaksir kemungkinan maksimum. Penelitian ini juga akan dihitung taksiran rata-rata besar klaim asuransi gempa bumi di PT X. Hasil penelitian menunjukkan bahwa distribusi zero inflated lognormal cocok untuk memodelkan data besar klaim asuransi gempa bumi PT X di Indonesia baik untuk tiap tahun dari tahun 2019-2023. Nilai taksiran rata-rata besar klaim asuransi gempa bumi sebesar Rp 1.983.096.412 untuk tahun 2019, Rp 5.052.882.209 untuk tahun 2020, Rp 7.937.183.066 untuk tahun 2021, Rp 2.960.961.523 untuk tahun 2022, dan Rp 15.642.984 untuk tahun 2023. Abstract Earthquake insurance plays a crucial role in disaster risk mitigation. Large datasets of earthquake insurance claims often contain zero values. One distribution that can be used to model large earthquake insurance claim datasets containing zero values is the zero-inflated lognormal distribution. In this study, the zero-inflated lognormal distribution will be applied to model the large earthquake insurance claim data of PT X in Indonesia for the years 2019-2023. The parameters of the zero-inflated lognormal distribution will be estimated using the maximum likelihood estimation method. This study will also calculate the estimated average earthquake insurance claims at PT X. The results of the study show that the zero-inflated lognormal distribution is suitable for modeling the large earthquake insurance claim data of PT X in Indonesia for each year from 2019 to 2023. The estimated average earthquake insurance claims are Rp 1,983,096,412 for 2019, Rp 5,052,882,209 for 2020, Rp 7,937,183,066 for 2021, Rp 2,960,961,523 for 2022, and Rp 15,642,984 for 2023.
Blockchain dan Asuransi Mikro: Kajian Literatur tentang Peluang dan Tantangan Inovasi Bani, Pristiwanto
Premium Insurance Business Journal Vol. 11 No. 2 (2024): PREMIUM INSURANCE BUSINESS JOURNAL
Publisher : P3M Trisakti School of Insurance (TSI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35904/premium.v11i2.67

Abstract

Microinsurance has emerged as an important solution in risk management for low-income communities, especially in developing countries. On the other hand, blockchain technology offers promising innovations with the ability to improve transparency, efficiency, and security in various sectors, including insurance. This literature review explores the opportunities and challenges of innovation in the integration of blockchain technology with microinsurance. Using a narrative literature review method, we analysed relevant scientific articles from various academic databases such as Scopus, Web of Science, Google Scholar and other trusted sources to provide a comprehensive overview of this topic. Key findings indicate that blockchain offers significant potential to improve the efficiency, transparency, and accessibility of microinsurance, especially in developing countries. This article examines the potential integration between microinsurance and blockchain technology, as well as the challenges faced in its implementation, we find that the combination of these two fields can create an ecosystem that is more inclusive and responsive to the needs of the community. However, challenges such as regulatory issues, infrastructure limitations, and the need for digital literacy still need to be overcome. The review also identifies several key areas for further research, including the development of sustainable business models, increasing interoperability between blockchain systems and traditional insurance, and exploring the socio-economic implications of widespread adoption of this technology. Overall, blockchain integration in microinsurance shows transformative potential to enhance financial inclusion, although its implementation requires a careful and collaborative approach from various stakeholders.
Peran Manajemen Risiko dalam Pengambilan Keputusan Brand Owner Entertaiment di Live House Indonesia M Agung Akhdani
Premium Insurance Business Journal Vol. 11 No. 2 (2024): PREMIUM INSURANCE BUSINESS JOURNAL
Publisher : P3M Trisakti School of Insurance (TSI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35904/premium.v11i2.68

Abstract

This research will discuss the role of risk management in decision making by entertainment brand owner in Live House Indonesia. The approach used this study is qualitative approach. The analysis in this research uses the stages of the ISO 31000 Risk Management process. This analysis begins with risk identification, risk analysis, risk evaluation, risk assessment, and risk control. The data sources for this research were obtained through in-depth interview with three informants. The result of this research is that by integrating or aligning risk management into every operational activity of entertainment live house in Indonesia entertainment brand owners are able to identify potential risks more quickly, evaluate risk faster, and make decisions more promptly. Furthermore, risk management plays a crucial role in decision-making for entertainment brand owner. By integrating risk management into every operational activity, entertainment brand owner can make wiser decisions.
Analisis Pengaruh Pengembangan Sumber Daya Manusia Terhadap Efektivitas Organisasi di Sektor Asuransi: Studi Kasus di PT ABC Insurance Nina Rohmadhani; Mohamad Wafdy; Ashar; Sitti Rakhman
Premium Insurance Business Journal Vol. 11 No. 2 (2024): PREMIUM INSURANCE BUSINESS JOURNAL
Publisher : P3M Trisakti School of Insurance (TSI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35904/premium.v11i2.69

Abstract

This research discusses work environment management, human resource acquisition and development, and compensation systems that support economic, social and environmental sustainability at PT ABC Insurance. Inclusive and adaptive work environment management can improve company performance by creating a harmonious work atmosphere and minimizing work stress. This research shows that implementing sustainable HRM that integrates sustainability aspects in work environment management, HR acquisition, career development, and compensation can create a positive impact on overall company performance and increase competitiveness in a competitive market.
Upaya Meningkatkan Keterampilan Siswa Dalam Membaca Melalui Penerapan Metode Drill di Kelas 2 SDN Pasirangsana 02 Kabupaten Bogor Ati, Hesti Mustika; Sutisna, Muhammad; Meliana, Meliana; Indah, Wirda
Premium Insurance Business Journal Vol. 11 No. 2 (2024): PREMIUM INSURANCE BUSINESS JOURNAL
Publisher : P3M Trisakti School of Insurance (TSI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35904/premium.v11i2.71

Abstract

Penelitian ini bertujuan untuk mengetahui peningkatan keterampilan siswa dalam membaca melalui penerapan metode drill di Kelas 2 SDN Pasirangsana 02. Metode yang digunakan dalam penelitian ini adalah deskriptif analitik melalui Penelitian Tindakan Kelas. Data yang terkumpul dianalisis dengan analisis model alir (flow model). Hasil penelitian diketahui bahwa penggunaan metode drill dapat meningkatkan hasil belajar peserta didik tentang Membaca di SDN Pasirangsana 02 pada peserta didik Kelas 2 semester 1 tahun pelajaran 2021-2022. Hal ini diketahui bahwa nilai terendah pada pra siklus adalah 60 dan pada siklus 1 dengan nilai terendah 60 kemudian pada siklus 2 nilai terendah 80. Selanjutnya nilai tertinggi pada pra siklus adalah 80 kemudian meningkat menjadi 90 pada siklus 1 dan pada siklus 2 menjadi 100 dengan ketuntasan belajar pada pra siklus sebanyak 5 orang (20,83%), siklus 1 sebanyak 12 (50%) dan siklus 2 sebanyak 24 orang (100%) Hal ini menandakan bahwa metode drill cocok untuk diterapkan pada materi Membaca.
Upaya Meningkatkan Pemahaman Kegiatan Ekonomi Melalui Model Kontekstual Kelas IV SDN Sukamaju Indah, Wirda; Ramadan, Lutfi; Lubis, Taupik; Arto, Artono; Ati, Hesti Mustika
Premium Insurance Business Journal Vol. 11 No. 1 (2024): PREMIUM INSURANCE BUSINESS JOURNAL
Publisher : P3M Trisakti School of Insurance (TSI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35904/premium.v11i1.82

Abstract

Tujuan penelitian ini adalah meningkatkan pemahaman siswa pada mata pelajaran IPS. Metodelogi yang digunakan adalah tindakan kelas, dengan 2 siklus. Objek penelitian yaitu peserta didik Sekolah Dasar di SDN Sukamaju 3 Cilodong Depok kelas IV berjumlah 33 siswa. Instrument penelitian yang digunakan yaitu berupa tes tentang kegiatan ekonomi dan lembar observasi guru dalam menerapkan model pembelajaran kontekstual. Indikator keberhasilan yang diterapkan adalah berupa nilai tes pemahaman materi sebesar 75 dengan target siswa 80%. Hasil penelitian berupa prapenelitian dengan jumlah siswa yang tuntas 13 siswa dan persentase ketuntasan 39,39% dari 33 siswa. Siklus I jumlah siswa yang tuntas sebesar 20 siswa dan persentase ketuntasan 60,60%. Siklus II jumlah siswa yang tuntas adalah 29 siswa dan persentase ketuntasannya 87,87%. Kesimpulan penelitian ini adalah penerapan model pembelajaran kontekstual mampu meningkatkan pemahaman siswa pada mata pelajaran IPS tentang kegiatan ekonomi siswa kelas IV Sekolah Dasar.

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