cover
Contact Name
Firdaus Annas
Contact Email
firdaus@uinbukittinggi.ac.id
Phone
+6285363466196
Journal Mail Official
ekonomikasyariah.uinbukittinggi@gmail.com
Editorial Address
Data Center Building - Kampus II Institut Agama Islam Negeri (IAIN) Bukittinggi. Jln Gurun Aua Kubang Putih Kecamatan Banuhampu Kabupaten Agam Sumatera Barat Telp. 0752 33136 Fax 0752 22871
Location
Kab. agam,
Sumatera barat
INDONESIA
EKONOMIKA SYARIAH : Journal of Economic Studies
Core Subject : Economy,
EKONOMIKA SYARIAH: Journal of Economic Studies is a journal that publishes research results related to the themes of economics, finance, and Islamic banking. It also provides an important role in promoting the process of knowledge, values and skills. Scientific texts that discuss the topics of economics, finance and Islamic banking are highly expected to be presented. Interdisciplinary approaches to Islamic studies are used as instruments to overcome and solve Islamic economic, financial and banking problems. The editorial team invited researchers, scholars, and Islamic studies and economic observers to submit research articles that had never been published in other media or journals. Ekonomika Syariah is published twice a year, in June and December. The editorial team received the research article, typed 1.15 cm in space on A4 paper, double column, 15-20 pages long or 7000 to 9000 words. Every article published has gone through a peer-review process to maintain the quality of the publication.
Articles 177 Documents
HUBUNGAN SIMULTAN ANTARA AKTIVITAS PENGAWASAN PERUSAHAAN DENGAN KINERJA PERUSAHAAN DI BURSA EFEK INDONESIA Habibatur Ridhah
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 2, No 1 (2018): Januari-Juni 2018
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (598.651 KB) | DOI: 10.30983/es.v2i1.525

Abstract

The primary objective of this research is to test the simultaneous relationship between board of commisioner monitoring activity and firm performance on a sample that consist of 156 companies quoted in Indonesia Stock Exchange. This study found that monitoring activity that performed by board of comissioner affect the firm performance, and vice versa, firm performance also affect the monitoring activity.. Further this research found that family ownership and debt ratio of company affected the monitoring activity that performed by Board of Commissioner. Tujuan utama dari penulisan studi ini adalah untuk melakukan pengujian hubungan simultan antara aktivitas pengawasan dewan komisaris dan kinerja perusahaan dengan menggunakan sampel sebanyak 156 perusahaan. Penelitian ini menemukan bukti bahwa aktivitas pengawasan perusahaan dapat mempengaruhi kinerja perusahaan, begitu juga sebaliknya, kinerja perusahaan dapat mempengaruhi aktivitas pengawasan perusahaan yang dilakukan oleh dewan komisaris. Studi ini juga menemukan bahwa jumlah kepemilikan keluarga, dan tingkat hutang mempengaruhi frekuensi aktivitas pengawasan yang dilakukan oleh dewan komisaris.
Penerapan Akuntansi Pondok Pesantren (Studi pada Koperasi Pondok Pesantren Al Hasyimi Kabupaten Pekalongan) Muhamad Rozaidin; Hendri Hermawan Adinugraha
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 4, No 2 (2020): Juli-Desember 2020
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (386.27 KB) | DOI: 10.30983/es.v4i2.3716

Abstract

Islamic boarding schools are religious educational institutions that must be of high quality with proper infrastructure and economic facilities such as Islamic boarding school cooperatives. Islamic boarding school cooperative is an economic institution that is engaged in the scope of Islamic boarding school. As an economic institution, it is compulsory for cooperatives to be able to apply financial management appropriately. Often Islamic boarding school cooperatives do not pay too much attention to financial management in depth due to limited knowledge and experience in financial recording. In fact, financial records greatly affect financial management in Islamic boarding school cooperatives. This study aims to examine the application of accounting in the Al Hasyimi Islamic boarding school cooperative and its compliance with applicable accounting standards, and to determine the importance of accounting for an institution. This study used a qualitative descriptive research method with interviews, observation and documentation. The findings of this study reveal that accounting in the Al Hasyimi Islamic boarding school cooperative has implemented accounting even though it is not yet perfect. It is necessary to make accounting improvements to comply with applicable accounting standards by learning and evaluating the records that have been applied.Pondok pesantren merupakan lembaga pendidikan keagamaan yang semestinya memberikan kualitas yang layak dalam fasilitas infrastruktur fasilitas perekonomian seperti koperasi pondok pesantren. Koperasi pondok pesantren adalah sebuah lembaga perekonomian yang bergerak di ruang lingkup pondok pesantren yang diwajibkan untuk bisa menerapkan pengelolaan keuangan secara layak. Pengelolaan keuangan yang layak bisa diwujudkan dengan pencatatan keuangan yang baik dan sesuai dengan Standar Akuntansi yang berlaku. Seringkali koperasi pondok pesantren tidak terlalu memperhatikan pengelolaan keuangan secara mendalam dikarenakan keterbatasan keilmuan dan pengalaman dalam pencatatan keuangan. Padahal, pencatatan keuangan sangat berpengaruh terhadap pengelolaan keuangan di koperasi pondok pesantren. Penelitian ini bertujuan untuk meneliti bagaimana penerapan akuntansi yang berlaku dan kesesuaiannya dengan standar akuntansi di koperasi pondok pesantren Al Hasyimi., serta untuk mengetahui pentingnya akuntansi bagi sebuah lembaga. Penelitian ini menggunakan metode penelitian deskriptif kualitatif dengan wawancara, observasi, dan dokumentasi. Akuntansi pondok pesantren adalah suatu proses penyusunan laporan keuangan secara umum untuk menghasilkan informasi keuangan dengan mempertimbangkan karakteristik dan sifat dari pondok pesantren. Temuan penelitian ini mengungkap bahwa akuntansi yang terdapat di koperasi pondok pesantren Al Hasyimi telah menerapkan akuntansi walaupun belum sempurna. Perlunya melakukan penyempurnaan akuntansi agar sesuai dengan standar akuntansi yang berlaku dengan melakukan pembelajaran dan mengevaluasi pencatatan yang telah diterapkan.
Analysis of Stock Valuations in Estimating Stock Prices in the Covid-19 Period And Investment Decision Noni Novita Sari Br Silalahi; Tri Inda Fadhila Rahma; Nur Ahmadi Bi Rahmani
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 6, No 1 (2022): January - June 2022
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (627.856 KB) | DOI: 10.30983/es.v6i1.5377

Abstract

The purpose of this study was to determine whether the intrinsic value of the stock is in undervalued, overvalued, and fair-valued conditions. Quantitative research methods were applied to eleven companies listed on ISSI, mainly Telecommunication, Pharmaceutical, and Finance companies. Based on the use of the PER and PBV methods and the results of the independent sample T-Test test, it was revealed that there is a significant difference between the average results of PER and PBV stock valuations. Through PER, 5 companies have shares with undervalued price conditions, namely TLKM, KAEF, KLBF, PYFA, and SIDO and 6 shares are in overvalued price conditions, namely ISAT, DVLA, MERK, TSPC, BRIS, and BTPS. Based on the use of the PBV method, 5 companies have shares with undervalued price conditions , namely DVLA, KAEF, KLBF, MERK, and SIDO,  6 companies are in overvalued price conditions, namely ISAT, TLKM, PYFA, BRIS, BTPS, and TSPC, and 6 companies with the same conditions using PER and PBV, namely KAEF, KLBF, SIDO, TSPC, BRIS and BTPSTujuan penelitian ini adalah untuk mengetahui nilai intrinsic saham apakah berada pada kondisi undervalued, overvalued, dan fairvalued. Metode penelitian kuantitatif diterapkan pada 11 perusahaan yang terdaftar dalam subsektor Telekomunikasi, Farmasi, dan Keuangan yang tergabung dalam ISSI. Berdasarkan penggunaan melalui metode PER dan PBV didapatkan hasil uji independent sample t-test sebesar 0,032 < 0,05 maka H0 ditolak dan H1 diterima artinya bahwa terdapat perbedaan signifikan antara rata-rata hasil valuasi saham PER dan PBV. Root Mean Square Error digunakan untuk mengetahui tingkat kesalahan didapatkan bahwa nilai RMSE PER (1786) < PBV (1935) artinya metode PER lebih baik dibandingkan PBV karena memiliki tingkat kesalahan lebih kecil. Melaui PER didapatkan 5 perusahaan memiliki saham dengan kondisi harga undervalued yaitu TLKM, KAEF, KLBF, PYFA, dan SIDO dan 6 saham berada dalam kondisi harga overvalued yaitu ISAT, DVLA, MERK, TSPC, BRIS, dan BTPS. Berdasarkan penggunaan metode PBV didapatkan 5 perusahaan memiliki saham dengan kondisi harga undervalued yaitu DVLA, 
WAKAF SEBAGAI ALTERNATIF PENGELOLAAN DANA TABARRU’ PADA TAKAFUL Yefri Joni; Adelina Zuleika
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 1, No 2 (2017): Juli-Desember 2017
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (837.868 KB) | DOI: 10.30983/es.v1i2.436

Abstract

Takaful industry has shown significant growth in term of assets and market penetrations, for the past few years. Despite its significant growth and role, it keeps several issues pertaining its fund management i.e. the tabarru’ fund. Hence, this paper attemps to analyze its issues and challenges, and to propose a way forward to overcome those issues. Researcher argue that applying Waqf mchanism would solve those issues. Method and Findings: applying literature review approach, researchers analyzed the Wakalah and Mudarabah model that are applied to manage Tabarru’ fund which based on Hibah. Takaful Operator has to ensure the availability of Tabarru’ fund to meet the participant claims, and to make use of the fund through investment activities. It is found that the underwriting surplus of Tabarru’ fund is divided among the participant and Takaful Operator, which invites the Shariah issue, since the fund is not belong to Operator neither returned back to participant. Accordingly, the cash Waqf mechanism is better applied. The benefit of cash wakaf could be used by contracting parties, while the main matter should be kept. Accordingly, by applying cash wakaf mechanism the shariah issue of underwriting surplus could be overcome; while the Operator could keep the fund as third party’s capital for its long term sustainability. Beberapa tahun belakangan ini Industri Asuransi berkembang signifikan dalam hal pertunbuhan aset dan penetrasi pasar. Namun dibalikperkembangan signifikan tersebut, terdapat isu terkait manajemen dana Asuransi , tepatnya manajemen dana Tabarru’. Penelitian ini bermaksud untuk menganalisis isu, tantangan, berikut saran untuk mengatasi masalah tersebut. Peneliti berargumen, bahwa dengan menerapkan mekanisme wakaf tunai bisa mengatasi masalah yang dimaksud. Metode dan Temuan: menggunakan pendekatan tinjauan pustaka, peneliti menganalisis model Wakalah dan Mudarabah yang diterapkan untuk mengelola dana Tabarru’. Perusahaan harus memastikan ketersediaan dana Tabarru’ untuk memenuhi klaim kerugian peserta, dan untuk investasi. Dalam prakteknya surplus underwriting, yaitu; surplus dari iyuran tabarru’ ditambah keuntungan investasi dikurangi biaya klaim dan tanggungan lainnya; dibagikan kepada peserta dan perusahaan Asuransi , yang kemudian menimbulkan isu ketaatan , karena dana tabarru’ bukan ditujukan untuk perusahaan dan tidak boleh dikembalikan kepada peserta. Oleh karenanya, mekanisme wakaf tunai dipandang lebih baik untuk diterapkan. Manfaat dari wakaf tunai dapat digunakan oleh pihak yang terikat kontrak sedangkan wakaf itu sendiri harus tetap dijaga kelestariannya. Dengan demikian, isu pelanggaran ketaatan karena pembagian surplus underwriting dapat ditanggulangi; sekaligus perusahaan mengelola dana wakaf sebagai modal pihak ketiga untuk keberlangsungan jangka panjang perusahaan.
Pengaruh Financial Sustainability Terhadap Jangkauan BPR Syariah Di Propinsi Sumatera Barat Hidayatul Arief; Iiz Izmuddin; Hesi Eka Puteri
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 3, No 2 (2019): Juli-Desember 2019
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (722.892 KB) | DOI: 10.30983/es.v3i2.2576

Abstract

This study aims to analyze the effect of Financial Sustainability as proxied by CAR, FDR, ROA, ROE, NOM and BOPO on the outreach of BPR Syariah that are proxied by the number of financing customers in West Sumatra Province. The study population was all BPR Syariah in the Province of West Sumatra, the research sample was taken using purposive sampling technique to obtain a sample of 6 companies. The data analysis technique used is the panel data regression method which is a combination of cross section data and time series data using STATA 13 software. While testing the hypothesis using the GLS model with a significance level of 5%. The results of the analysis showed that partially the FDR and ROA variables had a significant effect on increasing outreach while the other variables had no significant effect on the outreach of BPR Syariah in West Sumatra Province. Financial Sustainability has a significant simultaneous effect on the outreach of Sharia Rural Banks in West Sumatra Province. Penelitian ini bertujuan untuk menganalisis pengaruh Financial Sustainability yang diproksikan oleh CAR, FDR, ROA, ROE, NOM dan BOPO terhadap jangkauan BPR Syariah yang diproksikan dengan jumlah nasabah pembiayaan di Propinsi Sumatera Barat. Populasi penelitian adalah seluruh BPR Syariah yang ada di Propinsi Sumatera Barat, sampel penelitian diambil menggunakan teknik purposive sampling sehingga diperoleh sampel sebanyak 6 perusahaan. Teknik analisis data yang digunakan adalah metode regresi data panel yang merupakan gabungan dari data cross section dan data time series dengan menggunakan perangkat lunak STATA 13. Sedangkan pengujian hipotesis menggunakan model GLS dengan tingkat signifikansi 5%. Hasil analisis menunjukkan secara parsial variable FDR dan ROA memilik ipengaruh signifikan terhadap peningkatan jangkauan sedangkan variable lainnya berpengaruh tidak signifikan terhadap jangkauan BPR Syariah di Propinsi Sumatera Barat. Financial Sustainability memiliki pengaruh yang signifikan secara simultan terhadap jangkauan BPR Syariah di Propinsi Sumatera Barat
Perception of Riau Muslim Entrepreneurs on the Merger of Islamic Commercial Banking into Indonesian Islamic Bank Marabona Munthe; Mohd Winario
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 5, No 2 (2021): July - December 2021
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (693.644 KB) | DOI: 10.30983/es.v5i2.4724

Abstract

The purpose of this study is to further examine the perceptions of Muslim entrepreneurs in Riau towards the merger of a Islamic Commercial Banking to become an Indonesian Islamic bank. The method used is a qualitative method generated from a questionnaire filled out by Muslim entrepreneurs in Riau Province, explaining the perception of Riau Muslims about the merger of Islamic banks under BUMN. The results of this study indicate that the perceptions of Muslim entrepreneurs in Riau towards the joining of Islamic banks as BUMN, in this case Bank Syariah Mandiri, BNI Syariah and BRI syariah to become Bank Syariah Indonesia which is abbreviated as BSI in general have different perceptions, there are still many who disagree. by joining the Islamic Bank under the BUMN. Entrepreneurs are also not too sure about the joining of the Islamic Bank to become the icon and direction of the World Islamic Bank, they think that the joining of the Bank is influenced by political elements among the political elite. However, Muslim entrepreneurs in Riau on average will still become customers of Indonesian Islamic Bank, because apart from being a Islamic bank, there is no better choice than other banks. Tujuan penelitian ini adalah untuk mengkaji lebih jauh persepsi pengusaha muslim Riau terhadap penggabungan Bank Syariah BUMN menjadi bank syariah Indonesia. Metode  yang digunakan adalah kualitatif yang dihasilkan dari kuisioner yang diisi oleh para pengusaha muslim yang ada di Provinsi Riau, menjelaskan mengenai persepsi muslim riau terhadap mergernya bank syariah di bawah BUMN. Hasil penelitian ini menunjukan bahwa persepsi pengusaha muslim riau terhadap bergabungnya bank syariah di bawah BUMN dalam hal ini Bank Syariah Mandiri, BNI Syariah dan BRI syariah menjadi Bank Syariah Indonesia yang disingkat menjadi BSI secara umum memiliki persepsi yang berbeda-beda, masih banyak yang tidak setuju dengan begabungnya Bank Syariah BUMN tersebut. Pengusaha juga tidak terlalu yakin dengan bergabungnya Bank Syariah tersebut menjadi icon dan kiblat Bank Syariah dunia, mereka menganggap bergabungnya Bank banyak dipengaruhi oleh unsur politis dikalangan elit politik. Namun pengusaha muslim Riau rata-rata tetap akan menjadi Nasabah Bank Syariah Indonesia, karena selain merupakan bank syariah, dan tidak ada pilihan lain yang lebih baik dari bank lain. Kata Kunci: Persepsi, Pengusaha Muslim, Merger, Bank Syariah.
Pengaruh Financial literacy Terhadap Preferensi Masyarakat Kabupaten Tanah Datar Memilih Produk-Produk Pendanaan Pada Perbankan Syariah Febby Irfayunita; Hesi Eka Puteri
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 3, No 1 (2019): Januari-Juni 2019
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (619.153 KB) | DOI: 10.30983/es.v3i1.973

Abstract

The purpose of this study investigates whether financial literacy affects the  preferences of choosing  the funding product at Islamic Banks. The research method used is a quantutative method that uses a sample of  385 customers of Islamic banks in Tanah Datar district, under condition 2018, this study reveals that financial literacy is positively associated with  the  preferences of choosing funding products.  This finding offer the empirical evidence of the importance on the relationship of financial literacy to the  preferences of choosing  the funding product. It indicates that the financial literacy  is a important point in Islamic banks thay will make peoples turn to Islamic banks . Furthermore, this research recommends strategy of increasing market share of Islamic Bank by increasing public’s finance literacy.
Kesesuaian Fatwa DSN MUI No. 4 Tahun 2000 Pada Pembiayaan Murabahah di Bank Syariah Mandiri KCP Padang Panjang Rahmat Firdaus; Melisantri Okvita
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 4, No 2 (2020): Juli-Desember 2020
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (513.628 KB) | DOI: 10.30983/es.v4i2.3584

Abstract

The purpose of this research is to find out and to analyze the implementation of murabahah financing at Bank Syariah Mandiri KCP Padang Panjang its conformity with the DSN MUI Fatwa Number four of two thousand. This type of research is field research field research and library research research. The research method used is a qualitative method. Data collection techniques are observation, interview and documentation. The results of this study indicate that in the general provisions of Islamic banks that the bank buys the goods needed only on behalf of the bank itself and the purchase must be separate and have personal limitations. However, in practice, it is found that the bank provides money to customers to buy one of the items needed on behalf of the bank using an installment system based on the amount and time determined by the bank. in is allowed by the clerics on the condition that the bank authorizes the customer to buy goods under the murabahah bil wakalah contract. However, according to the author's opinion, there is no conformity of the DSN-MUI fatwa regarding murabahah with its practice at Bank Syariah Mandiri KCP Padang Panjang.Tujuan dalam penelitian ini adalah untuk mengetahui dan menganalisis pelaksanaan pembiayaan murabahah pada Bank Syariah Mandiri KCP Padang Panjang kesesuaiannya dengan Fatwa DSN MUI No. 4 Tahun 2000. Jenis penelitian adalah penelitian lapangan field research. Metode penelitian yang digunakan adalah metode penelitian kualitatif. Teknik pengumpulan data adalah observasi, wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwasannya dalam ketentuan umum fatwa murabahah di bank syariah yaitu bank membeli barang yang dibutuhkan nasabah atas nama bank sendiri dan pembelian harus sah dan bebas riba. Akan tetapi pada prakteknya dilapangan adalah bank memberikan uang kepada nasabah untuk membeli salah satu barang yang dibutuhkan atas nama bank dengan sistem angsuran berdasarkan jumlah dan waktu yang telah ditetapkan oleh bank. Hal ini dibolehkan oleh ulama dengan ketentuan pihak bank menguasakan kepada nasabah untuk membeli barang dengan akad murabahah bil wakalah.
ANALISA KEBUTUHAN SILABUS BAHASA INGGRIS I MAHASISWA PERBANKAN SYARIAH BERBASIS ESP Hilma Pami Putri
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 2, No 2 (2018): Juli-Desember 2018
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (593.68 KB) | DOI: 10.30983/es.v2i2.663

Abstract

English is a compulsory subject that must be studied by all students, including students of Islamic Banking. Various efforts have been made by the lecturers so that the learning of English is interesting and attractive to students, including designing learning for the specific purposes (English for Specific Purposes). However, students are still having difficulties and have not had a good output after learning it. In addition, the material provided seemed unattractive to students. It was because of the material provided is not based on students’ needs. This research is a descriptive research by using a qualitative approach to see students' needs for English.The data was taken in the form of qualitative data, the utterances from interviews with respondents. In addition, quantitative data was taken from questionnaires distributed to Islamic Banking students related to the needs analysis of the English syllabus. The questionnaire consisted of learning need which was divided into input, procedure, setting, teacher's role, and learners' role. From the results of the research, it was found that students have their own learning needs for the material taught to them. Their learning needs must be realized in the learning plan in order to the goals of English can be achieved well. Keywords: Learning Need, Need Analysis, ESP
PREMI ASURANSI PERAWATAN JANGKA PANJANG Tasnim Rahmat
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 1, No 2 (2017): Juli-Desember 2017
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (565.817 KB) | DOI: 10.30983/es.v1i2.426

Abstract

Long-term care is given to people who have reached a stage in life, where they depend on others people for their social, personal and medical. The Centers for Medicare and Medicaid Service (CMS) sad that about nine million men and women over the age of 65 in the US will need long-term care assistance in 2006. And it is estimated that by 2020 there are about 12 million Americans will need treatment long-term. Most insurance companies do not want to remove this product because the cost is difficult to forecast. Long-term care (LTC) can be modeled by markov model multistate. Long-term care insurance is quite difficult to determine the appropriate premiums and risk, for lack of information obtained. Moreover the duration of their lives is strongly influenced by demographic trends. Estimated transtitionon a state model with approach likelihood maximum. The framework adopted is a multistate, continuous time models, the determination of premiums and individual risk. Abstract Perawatan jangka panjang diberikan kepada orang-orang yang telah mencapai suatu tahap dalam hidup, di mana mereka bergantung pada orang lain untuk kebutuhan sosial, pribadi dan medis. The Centers for Medicare and Medicaid Service (CMS) mengatakan bahwa sekitar sembilan juta laki-laki dan wanita di atas usia 65 di AS akan memerlukan bantuan perawatan jangka panjang pada tahun 2006. Dan diperkirakan pada tahun 2020 ada sekitar 12 juta orang AS akan membutuhkan perawatan jangka panjang. Kebanyakan perusahaan asuransi tidak mau mengeluarkan produk ini karena biaya yang sulit untuk diramalkan. Perawatan Jangka Panjang (LTC) bisa dimodelkan dengan model markov multi status. Asuransi Perawatan jangka panjang merupakan asuransi yang cukup sulit untuk menentukan premi dan resiko yang tepat, karena kekurangan informasi yang diperoleh. Terlebih lagi durasi hidup mereka sangat dipengaruhi oleh tren demografis. Estimasi transisi pada suatu model status dengan pendekatan maksimum likelihood. Dan menggunakan Kolmogorov Backward Forward dalam probabilitas transisi. Kerangka yang dianut adalah multistate, model waktu kontinu, penetapan premi.

Page 2 of 18 | Total Record : 177