1,720,971 research outputs found
VARIASI PEMBAYARAN ANUITAS DENGAN POLA DERET ARITMATIKA
Get PDFAnuitas adalah rangkaian pembayaran atau penerimaan dalam jumlah tertentu yang dilakukan secara berkala pada jangka waktu tertentu. Konsep anuitas dapat dimulai dengan ketersedian sejumlah dana yang digunakan untuk membayar angsuran dalam suatu jangka waktu sampai dana tersebut habis. Pembayaran anuitas biasanya dilakukan dalam jumlah tetap setiap tahunnya. Oleh karena itu penulis mencoba menganalisa secara matematika mengenai nilai sekarang dan nilai akhir dari pembayaran anuitas yang dilakukan berbeda setiap tahunnya, baik pembayaran naik maupun turun dengan skema pembayaran anuitas mengikuti pola deret aritmatika. Pembayaran anuitas yang seperti ini bisa dijadikan pilihan bagi para annuitant
Achievement Cluster of Covid-19 Vaccination at the South Bengkulu Health Center Using Agglomerative Hierarchical Clustering
Get PDFThe concerns of many people and the lack of vaccine information are significant obstacles to achieving the Covid-19 vaccination target. The government and health groups must be ready to provide correct vaccine information to reduce public doubts. To evaluate the vaccine implementation, this is necessary to cluster the area regarding the achievement of the vaccination target. Clustering this area can be done using the Agglomerative Hierarchical Clustering method. In this study, clustering was carried out using Covid-19 vaccination data at the South Bengkulu Health Center involving six variables. Three clusters were formed for the clustering process: the first dose of Covid-19 vaccination, the second dose of Covid-19 vaccination, and the first Booster vaccination. Each cluster is represented by low, medium, and high cluster
Penentuan Premi Bersih Tahunan Asuransi Jiwa Dwiguna dengan Hukum De Moivre
No full textAsuransi jiwa dwiguna merupakan gabungan asuransi jiwa berjangka dan asuransi jiwa dwiguna murni walau jangka waktu asuransi telah berakhir, pemegang polis akan memperoleh uang santunan. Tujuan dari penelitian ini ialah untuk mengidentifikasi premi tahunan bersih untuk asuransi jiwa dwiguna. Premi tahunan dipengaruhi oleh premi tunggal dan nilai tunai anuitas hidup awal. Perhitungan premi dalam konteks asuransi jiwa dwiguna, pendekatan menggunakan hukum De Moivre didasarkan pada distribusi seragam dan diterapkan untuk mengevaluasi mortalitas. Misalnya, dalam kasus seorang karyawan berusia 35 tahun dengan masa asuransi selama 30 tahun dan suku bunga sebesar 2,5%, hukum De Moivre digunakan untuk analisis. Santunan yang diterima Rp.100.000.000,-, didapat premi bersih tahunan asuransi jiwa dwigunanya dengan hukum De Moivre sebesar Rp. 3.154.482,-
ANUITAS LAST SURVIVOR UNTUK KASUS DUA DAN TIGA ORANG TERTANGGUNG
Get PDFIn multiple life insurance, there are two terms based on the status of the death of the insured is a collection of joint life and last survivor. The difference is in the status of multiple life insurance is the timing of cash coverage. A status is said to be a joint life insurance money if provision was made during the first die and life survivor status if the provision of insurance money made at the time are all dead. To get the sum insured, the insured must pay a premium. If you want to convert into a single premium be regular premium, annuity required. For the last survivor insurance cases we will use the last survivor annuity. The end result of the research process will generate mathematical formulas of present value due annuity and immediate annuity for the case of two and three people in the last survivor status
Analysis of the Quality of Health Service at the Air Haji Hearth Center Using the Ordinal Logistics Regression Method
Get PDFImproving the quality of public services has become a major concern in government agencies as an effort to provide optimal public services. The quality of service can be affected by various factors. Therefore, it is necessary to conduct an analysis to find out the relationship between factors that affect service quality and service quality itself. Efforts are made to analyze the relationship between factors that affect service quality and service quality itself by using the ordinal logistic regression method in analyzing the relationship between influencing factors and influencing factors. This type of research is applied research that begins with theoretical analysis and data collection then ordinal logistic regression analysis. Based on the results of data analysis, it was found that the variables that significantly affected the quality of service were direct evidence variables, guarantee variables, and empathy variables. This research is useful for the Air Haji health center in an effort to improve the quality of health services
Penerapan Model Black Litterman dalam Pembentukan Portofolio Optimal Saham Indeks LQ-45
Get PDFSalah satu investasi yang marak dimasyarakat yaitu investasi saham. Dalam berinvestasi saham tidak akan terlepas dari return dan risiko. Pastinya investor menginginkan return yang maksimal dengan risiko yang minimal. Hal tersebut dapat dilakukan dengan membentuk portofolio optimal. Salah satu metode untuk mendapatkan portofolio optimal dengan menerapkan model Black Litterman (BL). Model BL yaitu model yang dapat menangani kesalahan perkiraan portofolio dalam memperhitungkan return dengan menggabungkan dua sumber pengembalian yaitu return kesetimbangan pasar dengan return pandangan investor. Untuk informasi return kesetimbangan pasar akan menggunakan Capital Asset Pricing Model (CAPM). Sedangkan untuk informasi pengembalian return pandangan investor akan digunakan model-model time series. Penelitian menggunakan data harga saham penutupan mingguan LQ-45 pada periode Januari 2021-April 2023. Hasil penelitian diperoleh bobot portofolio optimal yaitu 78.06% dari saham TLKM, dan 21.94% dari saham UNTR.
Kata Kunci: return, risiko, CAPM, Time Series, Black Litterma
Factors Affecting The Open Unemployment Rate in West Sumatra Province Using Spatial Autoregressive (SAR)
Get PDFThis paper proposes a Spatial Autoregressive (SAR) model to analyze the significant factors affecting the open unemployment rate in West Sumatra during 2023. The main advantage of the method is its ability to accurately capture spatial interactions between neighboring regions, such that it can provide a comprehensive understanding of regional unemployment patterns efficiently. By introducing the K Nearest Neighbor (KNN) weighting matrix and spatial lag parameter to the model, the effect of regional proximity on unemployment rates is more accurately captured. The viability of the SAR model is assessed by analyzing its ability to produce the lowest Akaike’s Information Criterion (AIC) value, indicating its suitability for modeling regional unemployment patterns. The result indicates that the SAR model is more effective than the multiple linear regression model in capturing regional unemployment patterns, with an AIC value of 52.756. The factors that influence the open unemployment rate are gross regional domestic product, labor force participation rate and the percentage of poor people
ESTIMATION OF BENEFIT RESERVES IN ENDOWMENT INSURANCE USING THE INDONESIAN MORTALITY TABLE IV AND ZILLMER METHOD
Get PDFThis study focuses on determining the benefit reserves for endowment life insurance using the Zillmer method, an extension of the prospective reserve approach. Benefit reserves are crucial as they represent the funds insurance companies must set aside to cover future claims. Traditionally, reserves can be calculated retrospectively or prospectively. Still, the Zillmer method introduces an innovative approach by incorporating a Zillmer rate and time to account for loading costs, particularly at the beginning of the policy period. This research's novelty lies in applying the Zillmer method using the most recent Indonesian Mortality Table (TMI) IV, which provides updated and accurate life expectancy data for calculating reserves. The study reveals that the reserve values calculated using the Zillmer method are initially lower than those derived from the conventional prospective method due to the inclusion of the Zillmer rate. However, as the policy progresses, the reserve values gradually align with the prospective reserves after the Zillmer time period concludes. This study not only applies the Zillmer method in a local context with updated mortality data but also demonstrates how insurance companies can manage reserves more effectively, particularly in the early years of the policy
Regional Clustering in Sumatera Based on Walfare Indicators Using Fuzzy C-Means
No full textWelfare refers to a condition in which individuals have sufficient means to meet both physical and spiritual needs. In Indonesia, welfare is a national goal, yet Sumatra experiences the highest development disparity, contributing to unequal welfare distribution across regions. This study aims to cluster regions in Sumatra based on welfare indicators using the Fuzzy C-Means (FCM) method, analyze cluster characteristics, and provide policy recommendations for decision-makers. FCM is used because it accommodates uncertainty and allows each data point to belong to more than one cluster, making it suitable for welfare analysis. Cluster validity was tested using Partition Coefficient Index (PCI) and Silhouette Coefficient, both indicating that the optimal number of clusters is two. The results show that Cluster 1 consists of 62 regions with relatively higher welfare conditions, while Cluster 2 includes 92 regions with lower welfare characteristics. One notable member of Cluster 2 is Ogan Komering Ulu, with a high membership degree of 0.869. Recommended policies include improving access to clean water and healthcare, enhancing education, strengthening local economies, and delivering targeted social assistance to underdeveloped areas. For Cluster 1, sustainable development efforts should be maintained.Welfare refers to a condition in which individuals have sufficient means to meet both physical and spiritual needs. In Indonesia, welfare is a national goal, yet Sumatra experiences the highest development disparity, contributing to unequal welfare distribution across regions. This study aims to cluster regions in Sumatra based on welfare indicators using the Fuzzy C-Means (FCM) method, analyze cluster characteristics, and provide policy recommendations for decision-makers. FCM is used because it accommodates uncertainty and allows each data point to belong to more than one cluster, making it suitable for welfare analysis. Cluster validity was tested using Partition Coefficient Index (PCI) and Silhouette Coefficient, both indicating that the optimal number of clusters is two. The results show that Cluster 1 consists of 62 regions with relatively higher welfare conditions, while Cluster 2 includes 92 regions with lower welfare characteristics. One notable member of Cluster 2 is Ogan Komering Ulu, with a high membership degree of 0.869. Recommended policies include improving access to clean water and healthcare, enhancing education, strengthening local economies, and delivering targeted social assistance to underdeveloped areas. For Cluster 1, sustainable development efforts should be maintained
Application of Seasonal Autoregressive Integrated Moving Average (SARIMA) Method in Forecasting Chicken Egg Prices in Indonesia
Get PDFChicken eggs are one of the widely known food commodities and are routinely used for daily food menus. Therefore, the price often fluctuates. So that the forecasting of chicken egg prices in Indonesia is very necessary so that the government can monitor price stability and plan future steps. The method that is suitable for this forecast is the Seasonal Autoregressive Integrated Moving Average (SARIMA). The results of data analysis using the SARIMA method show that the best model used for forecasting is SARIMA (2,1,3)(0,1,1)12. This model has a Mean Square Error value of 815267 and a Mean Absolute Percentage Error of 4% so it is good for forecasting. From this model, it is estimated that the price of broiler chicken eggs will tend to fluctuate and increase in the next 24 months, namely from January 2025 to December 2026.
Keywords: price, chiken eggs, forcasting, sarima method
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