Rescollacomm (E-Journals)
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Risk Prediction and Estimation of Corporate Product Claim Reserve Funds in Insurance Companies Using the Extreme Value Theory
Get PDFEvery human action involves risk, and in the insurance industry, customer claims are the biggest risk that companies face. This risk must be managed effectively through claim prediction, especially for corporate products. This research analyzes the risk of claims at insurance companies using the Extreme Value Theory (EVT) method, which can estimate extreme risks. Identification of extreme values in claims data is done through the EVT approach, namely Block-Maxima (BM). Generalized Extreme Value (GEV) distribution parameter estimation is performed, followed by prediction of claim risk using Value at Risk (VaR) and estimation of claim reserve funds. The results show that the GEV approach with a 95% confidence level is most suitable for predicting claim risk. Based on these results, the company requires a claim reserve fund of IDR 100,798,248,000 to deal with potential losses due to extreme claims
Annuity in Advance for Rental Properties: Profit and Risk Analysis for Owners of Student Rental Homes Near Campus
Get PDFNowadays, the rental homes business in the area around the campus offers significant profits for its owners, this is due to the large number of students who migrate so they choose to live in rental homess, but on the other hand this can also cause various risks, including fluctuations. Maintenance costs and high occupancy rates. This can make rental homes owners\u27 income unpredictable and make it difficult to create long-term financial goals. Using an upfront annuity model, where the owner receives rental payments at the start of the period, is one way to lower this risk. rental homes owners can guarantee more consistent cash flow and make more accurate income predictions by applying this concept. The aim of this research is to examine how the application of the advance annuity model affects the income and risks of rental homes owners. This study will assess how advance annuities contribute to income stability and reduce the uncertainty that often occurs in rental homes operations by using comprehensive financial techniques. Apart from that, this analysis will also consider various external factors that can influence occupancy levels, such as campus policies and economic conditions. It is hoped that the findings from this research will provide useful insights for rental homes owners in maximizing profits while managing risks more effectively, so that they can adapt to ever-changing market dynamics. Therefore, this strategy can be a smart alternative for rental homes owners in optimizing their business performance around campus
Cocoa Cultivation Technology and Cocoa Post-harvest Technology in The Kusuma Sari Women Farmers Group
Get PDFThe primary product made in Candikusuma Village, Melaya District, Jembrana Regency, Bali, is cocoa. In order to boost community empowerment based on cocoa plantations, including cocoa cultivation and cocoa post-harvest technology, the PM-UPUD initiative seeks to support the growth of farmer groups and micro, small, and medium-sized enterprises. The operational techniques that are employed include direct practice, monitoring, assessment, surveys, and consultations. The Kusuma Sari Women\u27s Farming Group, a farmer group affiliated with PM-UPUD (Community Service for Regional Superior Product Businesses), is situated in Candikusuma Village, Melaya District, Jembrana Regency, Bali. Partners encounter issues with the caliber of the cocoa beans they produce as well as insufficient knowledge about planting and caring for cocoa trees following harvest. The Kusuma Sari Women\u27s Farmers Group now has the ability to grow cocoa and manage it post-harvest in an integrated and thorough way thanks to PM-UPUD initiatives. The application of cocoa bean fermentation technology and cocoa planting technology are among the talents that the PM-UPUD program partner group will use in 2024. Farming communities now have the ability to create fermented cocoa beans, which are more valuable to consumers. PM-UPUD initiatives have the potential to boost community welfare and revenue, particularly for those in the cocoa producer group
Strengthening Banking Literacy to Optimize Small and Medium Enterprises (SMEs) Business Transactions in Subang Regency
Get PDFSmall micro and medium enterprises (SMEs) in Subang Regency are still not optimal in using digital financial products in their business transactions. This is due to their limited understanding of digital financial products and how to access them. Basedon these conditions, this community service program is aimed at increasing the literacy of digital financial products owned by banks for SMEs under the guidance of UPTD-PLUT KUMKM Subang Regency. Activities begin with providing training, monitoring and evaluation. The training provided focused on knowledge and understanding of the importance of using digital finance in SMEs business management as well as the introduction of bank digital financial products such as internet banking, mobile banking, and QRIS. In addition, participants also gained an understanding of financing, especially the working capital financing credit to individuals on the SMEs scale who are productive and viable but do not yet have additional collateral or the additional collateral is not sufficient that called Kredit Usaha Rakyat (KUR), which includes procedures, requirements, loan value, term, and installment simulations. The methods used involved lectures and interactive discussions, while the effectiveness of the training was evaluated through pre-test and post-test to assess the participants\u27 knowledge improvement. The results showed that the training was effective in improving participants\u27 understanding. Based on spiderweb analysis, there was a significant increase in several banking literacy indicators. Participants also showed high enthusiasm during the discussion sessions and better understood the use of digital financial products to support business financial management. Overall, this program succeeded in strengthening the banking literacy of SMEs in Subang Regency, especially in knowing and utilizing digital banking services and financing such as KUR. This increased understanding is expected to help SMEs optimize their business management through digitalization to support better business growth
Green Economy, Technology, People and Industrial Tourism (Get Points)
Get PDFRapid technological and economic advancement has resulted in the proliferation of environmentally detrimental products and consumption patterns, significantly impacting the environment. Plastic pollution has emerged as a critical environmental concern, with Indonesia ranking fifth among the world\u27s largest plastic waste producers. Annually, Indonesia generates approximately 7.8 million tons of plastic waste, of which 4.9 million tons are inadequately managed. For an extended period, Indonesia relied on a linear economic model characterized by a "take-use-dispose" approach. However, a transition towards a circular economic model is currently underway. In response to the significant environmental challenge posed by plastic waste pollution in Indonesia, the government has strategically introduced the Green Economy initiative. This innovative framework, an integral component of Indonesias 2025-2045 Long-Term Development Plan (RPJPN), is founded upon a robust and balanced approach that prioritizes three core pillars: economic prosperity, social equity, and environmental sustainability. In response to these challenges, the researchers devised the "Get Points" program, an acronym for Green Economy, Technology, People, and Industrial Tourism. This program was implemented at Ekowisata Cimenteng, located in Cipageran, North Cimahi District. The primary objective of this initiative is to address plastic waste management concerns while simultaneously fostering economic growth within local communities and among stakeholders. The program was executed through an outreach methodology, accompanied by pre- and post-tests for evaluation purposes. Comparative analysis of the pre- and post-test results revealed a notable increase in participant comprehension of plastic waste management issues. This enhancement was achieved through the integration of financial management seminars, digital marketing workshops, and 3D printing workshops, thereby facilitating economic growth for Ekowisata Cimenteng, local communities and stakeholders
Building an Understanding of Mathematics through Ethnic Mathematics: A Case Study of Learning in Bintuni Bay Regency
Get PDFThis study explores the application of ethnomathematics in mathematics education within the context of Bintuni Bay Regency. Ethnomathematics is the approach of linking mathematical concepts with local cultural practices, aiming to make learning more relevant and engaging for students. The research focuses on how this approach enhances students\u27 understanding and motivation by integrating elements of local culture, such as traditional textile patterns, food-sharing customs, and handicrafts, into the mathematics curriculum. A qualitative case study method was used, involving classroom observations, interviews with teachers and students, and document analysis across three primary schools in Bintuni Bay. The findings indicate that students responded positively to the ethnomathematical approach, showing increased engagement and improved comprehension of mathematical concepts when taught in a culturally relevant context. Teachers also observed higher levels of participation, although they faced challenges related to limited resources and inadequate training. Despite these obstacles, ethnomathematics proved to be a valuable tool for deepening students\u27 critical thinking and creativity, as well as fostering a connection between academic learning and their cultural heritage. The study concludes that ethnomathematics has significant potential to improve the quality of mathematics education, especially in culturally diverse regions like Indonesia. However, to optimize its implementation, further support is needed, including teacher training and the development of culturally appropriate teaching materials. This research contributes to a growing body of literature advocating for the integration of local culture into the educational process, offering recommendations for policymakers and educators to develop more responsive and inclusive curricul
Teaching Daily Conversational Language to Toddlers at PAUD Tunas Mekar in Melatiwangi Village, Bandung
Get PDFLanguage is a tool of social interaction or communication because humans are basically social creatures. Humans have spoken since birth, although only in the form of vague or unclear sounds, but still in the form of signs or symbols that emit sounds, therefore it is called baby speech. Children first learn a language by speaking simple spellings until they can speak it well, which is called mother tongue or first language. In general, parents often do not have a good way of control in the process of fostering their children to be able to speak and speak, thus making children easily close themselves and have difficulty communicating with speakers. The purpose of this article is to find out early childhood language acquisition at the phonological, semantic, and syntactic levels through psycholinguistic research using qualitative methods using data collection techniques that underlie language acquisition: Several hypotheses, such as 1) conscience hypothesis, 2) tabularasa hypothesis, 3) cognitive universality hypothesis. Whether or not a child is good at language, raises the question of how important the role of parents is in child development, and how it can be controlled to minimize language problems faced by childre
Instilling National Awareness in Elementary School Students in Indonesia Through Cartoon Wayang
Get PDFThis paper discusses the significance of integrating traditional Indonesian culture, particularly wayang (puppet theatre), into modern educational practices to foster national awareness among elementary school students. By utilizing animated wayang cartoons, this initiative aims to connect young learners with their cultural heritage, instilling a sense of pride and identity that resonates with the values of Indonesian society. The paper outlines the methodology of implementation, discusses the results, and highlights the sustainability of such educational programs
Factors Influencing the Human Development Index in Indonesia Using Structural Equation Modeling-Partial Least Square
Get PDFHDI is a benchmark for a country in achieving human development in the country. Indonesia is a developing country with a relatively increasing HDI value every year. This shows that the efforts made by Indonesia are going well. However, Indonesia experienced a decrease in HDI value in 2019 towards 2020, due to restrictions on activities caused by the Covid-19 pandemic. In addition, the HDI value in each province in Indonesia is uneven, even from the publication data of the Central Statistics Agency (BPS) shows a significant difference in HDI value between provinces in Indonesia. So that evaluation and improvement are needed to be able to equalize and stabilize HDI in Indonesia. HDI value can be influenced by several factors including economy, education, and health. This study aims to determine the direct effect of economic variables on HDI, the direct effect of education variables on HDI, the direct effect of health variables on HDI, the indirect effect of education variables on HDI through economic variables and health variables. The data used in this study are data on the Human Development Index of economic, education and health variables along with the indicators that measure them, from 34 provinces in Indonesia in 2022. This study applies SEM-PLS to determine the factors that influence the Human Development Index (HDI). The results of this study indicate that economic variables and education variables have a direct influence on the Human Development Index (HDI), while health variables have no direct influence on the Human Development Index (HDI). Then the education variable through the economic variable has an indirect effect on the Human Development Index (HDI), and the education variable through the health variable has no indirect effect on the Human Development Index (HDI)
Analysis of Economic Factors Affecting Tax Revenues in Indonesia Over The 2019-2023 Period
Get PDFThis analysis is carried out with the intention of examining economic factors that have an influence on tax revenue in Indonesia in the 2019-2023 timeframe. The variables analyzed include taxpayer compliance, unemployment rate, and Gross Domestic Product (GDP). The approach applied is quantitative through multiple regression analysis to analyze the relationship of all these variables. The results of the analysis prove that taxpayer compliance, unemployment rate and gross domestic product have a positive impact. Simultaneously, these three variables significantly affect tax revenue. The findings indicate that increasing tax compliance, reducing unemployment, and sustained economic growth can be effective strategies in increasing tax revenue in Indonesia. Therefore, a more inclusive tax policy and support for economic stability are crucial steps in optimizing tax revenue