Judul: Calculation of Premium and Benefit Reserves in Lifetime Joint Life Insurance with the New Jersey Method
Abstrak: Asuransi joint life seumur hidup merupakan model asuransi jiwa gabungan yang memberikan perlindungan atas risiko kematian pada dua orang atau lebih dalam satu polis. Perusahaan asuransi akan memberikan santunan ketika salah satu peserta meninggal, namun peserta asuransi memiliki kewajiban membayar premi selama masa hidupnya. Demi mencegah terjadi kegagalan membayar santunan di masa depan, perusahaan asuransi perlu melakukan penghitungan premi dan cadangan manfaat setiap tahun secara cermat. Karya ilmiah ini membahas penghitungan premi dengan prinsip kesetaraan dan cadangan manfaat pada asuransi joint life seumur hidup dengan metode New Jersey. Perbandingan dengan cadangan manfaat prospektif menunjukkan keefektifan cadangan manfaat dari metode New Jersey karena dapat menutupi kekurangan biaya di tahun awal polis asuransi., Lifetime joint life insurance is a multiple lifetime insurance which gives death risk protection for two or more people in one policy. The insurance company will give benefit after the first participant dies, but the insurance participants have to pay the premium insurance during their lifetime. In order to prevent failure to pay compensation in the future, insurance company must calculate the premiums and annual benefit reserves carefully. This paper discusses how to calculate premiums using the equality principle and benefit reserves in lifetime joint life insurance with the New Jersey method. Comparison with the prospective benefit reserves shows the effectiveness of the New Jersey method due to its capability to cover up the shortfall in the initial year of the insurance policy.
Keyword: benefit reserves, joint life insurance, New Jersey method, premium, prospective method

Judul: Determination of Benefit Reserves in Joint Life Insurance with the Canadian Method
Abstrak: Asuransi jiwa joint life merupakan asuransi multi life yang pembayaran preminya dibayarkan hingga salah satu tertanggung yang terdaftar pada polis meninggal dunia dan manfaat asuransi akan dibayarkan di akhir tahun kematian pertama. Pada karya ilmiah ini, metode Canadian diterapkan dalam menentukan cadangan manfaat pada asuransi jiwa seumur hidup, berjangka, endowment murni, dan dwiguna untuk asuransi jiwa multi life status joint life dua individu. Selain itu, diasumsikan pembayaran premi konstan hingga maksimal 10 tahun dan besar manfaat yang diberikan kepada tertanggung sebesar satu satuan. Berdasarkan hasil ilustrasi penghitungan, nilai cadangan manfaat asuransi jiwa berjangka meningkat setiap tahun hingga tahun ke-10 lalu menurun setiap tahun hingga tahun terakhir, sedangkan untuk ketiga jenis asuransi lainnya nilai cadangan manfaat meningkat setiap tahunnya dengan peningkatan yang signifikan terjadi ketika tertanggung masih membayarkan premi., Joint life insurance is a multi-life insurance policy in which premiums are paid until one of the insured individuals listed on the policy passes away, and the insurance benefits are paid out at the end of the first death year. In this research paper, the Canadian method is applied to determine the benefit reserves for whole life, term life, pure endowment, and endowment joint life insurance policies for two individuals. In addition, it is assumed that the premium payment is constant for up to a maximum of 10 years and the benefit amount given to the insured is one unit. Based on the results of the illustration calculation, the reserve value of term life insurance benefits increases yearly until the 10th year and then decreases every year until the last year; as for the other three types of insurance, the value of benefit reserves increases yearly, with a significant increase occurring when the insured still pays premiums.
Keyword: Canadian method, joint life insurance, benefit reserves

Judul: Sifat Pulp Campuran antara Pulp Asli Bambu dan Pulp Karton Bekas (Old Corrugated Containers)
Abstrak: OCC was soaked for 7 days and disintegrated afterward. Soda pulping of bamboo was carried out following the pulping parameters of 35% NaOH charge, L/W of 4/1, maximum temperature of 170 oC and total cooking time of 3 hours. Kappa number and pulping yield were determined based on TAPPI T236 cm-85 standard. Bamboo and OCC pulp was bleached following the method of D0ED1D2. Bleached bamboo pulp was beaten up to the freeness of 100, 200, 300, and 400 ml CSF. While that of OCC was up to 400 ml CSF only. The composisitions of bamboo/OCCpulp mixture (B/K) were 0/100, 20/80, 40/60, 60/40, 80/20 and 100/0. Physical and optical properties of pulp mixture were determined based on TAPPI T205 sp-02 standard. The pulp composition of (B/K) 20/80 at freeness level of 400 ml CSF was resulted in the highest strength properties based on Duncan scoring. Pulp beating was able to decrease the composition of bamboo pulp in pulp mixture while retaining the strength properties
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