Judul: Pemetaan Habitat Pesisir Pulau Lemukutan Kabupaten Bengkayang, Kalimantan Barat Menggunakan Citra Sentinel-2A.
Abstrak: Pengelolaan sumberdaya secara optimal dapat dilakukan jika tersedia data spasial yang lengkap dan akurat. Tujuan penelitian ini adalah memetakan habitat pesisir di Pulau Lemukutan menggunakan citra Sentinel-2A. Penelitian ini dilakukan dengan survei lapangan dan pengolahan citra. Survei lapangan dilakukan untuk mengamati kenampakan objek habitat bentik. Tahapan pengolahan citra yang dilakukan adalah pre-processing citra yang meliputi koreksi radiometrik dan koreksi geometri, serta transformasi algoritma depth invariant index untuk meningkatkan ketelitian informasi di bawah permukaan air. Metode klasifikasi citra yang digunakan adalah klasifikasi Unsupervised. Hasil klasifikasi pada citra satelit Sentinel-2A terdapat 3 kelas habitat bentik di Pulau Lemukutan, Kalimantan Barat adalah dead coral, karang, dan pasir. Klasifikasi objek yang mendominasi di bagian timur Pulau Lemukutan adalah pasir, sedangkan bagian barat Pulau Lemukutan di dominasi oleh dead coral.
Keyword: Depth invariant index, habitat bentik, Pulau Lemukutan, Sentinel-2A

Judul: Pemetaan Habitat Bentik dari Citra SPOT 7 dan Citra Sentinel 2-A di Pulau Opak, Kepulauan Seribu
Abstrak: Pengelolaan sumberdaya secara optimal dapat dilakukan dengan tersedia data spasial yang lengkap dan akurat. Tujuan penelitian ini adalah memetakan sebaran spasial habitat bentik di Pulau Opak, Kepulauan Seribu dengan menggunakan citra satelit SPOT 7 dan Sentinel 2-A. Penelitian ini dilakukan dengan survei lapangan dan pengolahan citra. Survei lapangan dilakukan untuk mengamati kenampakan objek habitat bentik. Tahapan pengolahan citra yang dilakukan adalah koreksi radiometrik dan koreksi geometrik dengan transformasi algoritma depth invariant index. Metode klasifikasi citra yang digunakan adalah maximum likelihood dengan 4 kelas objek habitat bentik. Hasil klasifikasi pada citra satelit SPOT 7 dan Sentinel 2-A terdapat 4 kelas habitat bentik di perairan Pulau Opak, Kepulauan Seribu adalah dead coral alga, karang, makroalga dan pasir. Klasifikasi objek yang mendominasi di perairan tersebut adalah dead coral alga. Sebaran habitat bentik menggunakan citra satelit SPOT 7 dan Sentinel 2-A terjadi perbedaan luas klasifikasi. Hal tersebut karena kedua citra tersebut memiliki perbedaan terutama resolusi spasial.
Keyword: Depth invariant index, habitat bentik, maximum likelihood, Pulau Opak, Sentinel 2-A, SPOT 7

Judul: The Effects of Variance of Interest rate to Variance of Annuity Future Values
Abstrak: Time value of money is a concept that refers to the difference of the value of money due to time difference. The value of money for present time would not be the same as the value of money in the future. The value of money for present time is called as Present Value (PV) of the money and the value of money for future time is called Future Value (FV) of the money. Determination the value of money, for present and future time, depends on the time and rate of return. The value of money is determined by several factors such as inflation, fluctuation of interest rates, and government policy in securities and taxation. Due to fluctuation of the value of money we need a FV formulation, it is useful for knowing whether an investment can be profitable or not, and this information is useful also in budget analysis. Annuity is defined as a series of payments made for a specific period. The payment, fixed or varied, can be made at the beginning or at the end of the period. Annuity paid at the beginning of the period is called annuity-due and annuity paid at the end of the period is called immediate annuity-certain. The accumulated value of the annuity after few years later is called as a final value or a future value. Burnecki et al. (2003) have discussed about the FV of a fixed-rate annuity in which payments are made according to the arithmetic or geometric series. They have also examined FV for annuities in which payments are made according to arithmetic or geometric series with random rates of interest. This paper examines FV for annuity-due in which payments are made according to arithmetic or geometric series with interest rates as a random variable, which is normal distribution ,  . Future value formula is expressed in recursive form. FV for annuity-due which payments are made according to the arithmetic or geometric series with random rates of interest is calculated by theoretical way and simulation way. The random rates of interest is denoted as k k i  i  , where k i an independent random variable; i is a constant and k  is a random variable which has normal distribution ,  . By using the determined parameters, a sequence of random rates of interest are generated for theoretical calculation. Meanwhile for the simulation, the random rates of interest is generated 1000 times for the simulation. The generated data give mean value, variance, and standard deviation. Moreover, error of mean value, variance, and standard deviation from the theoretical and simulation results are calculated. Error calculation uses Symmetric Mean Absolute Percentage Error (SMAPE). The smaller the value of SMAPE is the more accurate the simulation. The interest rate variances are varied from 0.000036 to 0.0001 to study the relationship between variance of rates of interest and variance of future value. The theoretical and simulation results show that when the variance of random rates of interest increases, then the variance of FV increases linearly. FV of the annuity-due in
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