Judul: Premi Tunggal Bersih Asuransi Jiwa Berjangka Unit Link Menggunakan Metode Point-to-Point dengan Manfaat Bervariasi
Abstrak: Karya ilmiah ini membahas asuransi jiwa berjangka 20-tahun unit link menggunakan metode Point-to-Point dengan manfaat bervariasi. Asuransi unit link adalah jenis asuransi modern yang menggabungkan unsur proteksi kematian dengan unsur investasi. Metode Point-to-Point adalah metode pengindeksan manfaat investasi asuransi unit link di mana tingkat pengembalian investasi hanya dipengaruhi oleh harga saham pada waktu awal dan akhir investasi. Premi tunggal bersih dihitung menggunakan prinsip kesetaraan. Berdasarkan asumsi bahwa peserta asuransi berjenis kelamin laki-laki berusia 30 tahun, manfaat kematian 10 tahun pertama berbeda dengan manfaat kematian 10 tahun berikutnya, tingkat bunga bebas risiko sebesar 3,5%, tingkat partisipasi 80%, tingkat pengembalian premi 90%, nilai cap (batas atas return investasi yang ditanggung) 20%, garansi minimum return investasi 5%, dan investasi pada saham PT. Telekomunikasi Indonesia Tbk (TLKM), maka dapat dihitung besar premi tunggal bersihnya., This scientific paper studies about a 20-years term life unit link insurance using the Point-to-Point method with varied benefit. Unit link insurance is a modern type of insurance which combine death protection and investment. The Point-to Point method is an indexing method for the investment benefit where the return of the investment is only affected by the initial price and the ending price of the stock invested. The net single premium is calculated using equivalence principal. Based on the assumption that the insurance participant is 30 years old male, the death benefit for the first 10 years of insurance is not the same as the death benefit for the next 10 years, the risk-free interest rate of 3,5%, the participation rate of 80%, the rate of premium return of 90%, cap rate (upper limit of the investment return covered) of 20%, minimum guarantee of the investment return of 5%, and investment in PT. Telekomunikasi Indonesia Tbk (TLKM) stocks, then the net single premium can be determined.
Keyword: net single premium, point-to-point method, term life insurance, unit link, varied benefit

Judul: Calculation of Premium for Life Insurance and Life Annuity Policies when Interest Rates are Modeled Using Moving Average
Abstrak: Mengikuti program asuransi jiwa adalah suatu usaha yang dapat dilakukan untuk meminimumkan risiko keuangan yang diakibatkan oleh kematian. Ketika seseorang mengikuti program asuransi, orang tersebut memiliki kewajiban untuk membayar sejumlah uang yang disebut premi. Salah satu faktor penting yang menentukan besar premi yang harus dibayar adalah tingkat bunga yang digunakan. Penelitian ini bertujuan untuk membandingkan besar premi tunggal bersih beberapa polis asuransi jiwa dan anuitas hidup saat tingkat bunga dimodelkan dengan proses moving average dan saat tingkat bunga dimodelkan dengan model independent and identically distributed. Data yang digunakan adalah data tingkat bunga BI 7-day (Reverse) Repo Rate periode April 2016 sampai April 2021 dan Tabel Mortalitas Indonesia IV. Berdasarkan hasil penghitungan, premi tunggal bersih yang dihasilkan saat tingkat bunga dimodelkan dengan proses moving average lebih besar daripada saat dimodelkan dengan model independent and identically distributed., Joining a life insurance program is an effort that can be done to minimize the financial risk due to death. When someone joins an insurance program, that person must pay a certain amount of money so-called premium. One of the important factors that determine the amount of premium to be paid is the interest rate used. This study aims to compare the net single premium of several life insurance and life annuity policies when the interest rate is modeled using a moving average process and when the interest rate is modeled using an independent and identically distributed model. The data used are BI 7-day (Reverse) Repo Rate for the period April 2016 to April 2021 and the Indonesia Mortality Table IV. Based on the calculation, the net single premiums produced when the interest rate is modeled using a moving average process is higher than those when the interest rate is modeled using an independent and identically distributed model.
Keyword: interest rate, life annuity, life insurance, moving average, net single premium

Judul: Synthesis of Apatite - Chitosan Composite Using Duck Eggshell and Chitosan with Temperature and pH Control
Abstrak: Composite of apatite-chitosan was prepared by using chitosan as polymer matrix. Calcium phosphate was prepared from CaO and (NH4)2HPO4, which the ratio Ca : P had to be 1.67. Chitosan is produced by deacetilase from biopolymer chitin. Duck eggshell (95% CaCO3) as starting material was converted to be calcium oxide (CaO) through calcinations with temperature 1000oC for 5 hours. In-situ and ex-situ methods were prepared from apatite and chitosan (dissolved with acetate acid 2%). Calcium phosphate prepared for bone implantation, but it is too fragile and brittle to be implant into the body. So addition of chitosan can decrease crystalinity and increase mechanic characteristic (tougher). Composite apatite-chitosan was resulted by fast precipitation. Fast precipitation was held in a breaker glass with nitrogen atmosphere, under controlled temperature at 37oC and pH 7, in order to increase amount of hydroxyapatite. Precipitation with CaO which was dropped by (NH4)2HPO4. Hydroxyapatite and chitosan were appearing at samples with in-situ and ex-situ methods which indicating by peak matching of XRD (closed lattice parameter, crystal size), overlapping at FTIR spectra and supporting by SEM picture (homogenous and agglomerated particle). However, it still needs further research to examine biocompatibility osteoconductive degree of sample by in-vivo and in-vitro test.
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