Judul: Determining Unit Link Term Life Insurance Net Single Premium Using the Compound Annual Ratchet Method
Abstrak: Asuransi unit link merupakan salah satu bentuk asuransi jiwa modern yang memberikan dua manfaat, yakni manfaat kematian dan manfaat investasi bagi tertanggung. Penghitungan premi dilakukan dengan mengasumsikan instrumen investasi yang digunakan berupa saham serta suku bunga konstan selama periode asuransi. Namun, pada keadaan sesungguhnya, instrumen investasi yang digunakan dapat berupa sebuah portofolio investasi yang terdiri atas berbagai instrumen investasi yang dimiliki oleh perusahaan asuransi serta suku bunga bervariasi. Tujuan karya ilmiah ini adalah menentukan besaran premi tunggal bersih dari asuransi jiwa berjangka unit link menggunakan metode pengindeksan saham compound annual ratchet pada empat skenario berbeda di mana tingkat cap dan tingkat floor divariasikan. Hasil penghitungan memberikan empat nilai premi tunggal bersih untuk masing-masing skenario. Secara keseluruhan, peningkatan tingkat floor dari 0% menjadi 3% memberikan nilai premi tunggal bersih yang lebih tinggi, sedangkan peningkatan tingkat cap dari 9% menjadi 12% memberikan nilai premi tunggal bersih yang lebih tinggi, tetapi kurang signifikan., The unit link insurance is one of the modern forms of life insurance that provides two benefits, namely death benefits and investment benefits for the insured. The calculation of the premiums is based on the assumption that the investment instruments used are equities and constant interest rates during the insurance period. However, in actual circumstances, the investment instrument used may be an investment portfolio consisting of different investments owned by the insurance company as well as varying interest rates. This scientific paper aims to determine the net single premium of life insurance unit link using the indexing method of compound annual ratchet stocks in four scenarios where the cap and floor values vary. The calculation results give net single premium values for each scenario. Overall, an increase in the floor level from 0% to 3% yields a higher net single premium value while an increase in the cap level rate from 9% to 12% gives a higher but less significant net single premium value.
Keyword: asuransi jiwa berjangka, Investasi, compound annual ratchet, premi tunggal bersih, unit link

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: Drought Stress Tolerance Mechanisms of Eggplant (Solanum spp.): Physiology and Molecular.
Abstrak: Eggplant (Solanum melongena L.) is a popular and economically important vegetable crop grown in the tropics and subtropics, especially in Asia and Africa. Most of these crops grown in Asia and Africa are tolerant to biotic and abiotic stresses. Eggplant has a wide variation in morphological and physiological characteristics, therefore, it is necessary to explore the germplasm to gain more genotypes tolerant to biotic and abiotic stresses. Sufficient water availability at the first stage of plant growth is very important. Limited water supply may lead to drought stress. The long period of drought stress may disturb the metabolic process and lead the irreversible damage of the plant tissues, so the plant can not recover. This abiotic stress has been significantly proved to be one of factors decreasing the plant growth and productivity. The objective of this research was to reveal physiological and molecular response of six eggplant accessions (i.e. 098, 155, 414, 754, 772, and 827 accessions, and Panjalu-F1 as the control genotype) to drought stress. Plants were grown in medium containing soil, sand and compost (1:1:1, v/v/v) in the greenhouse. Plants were exposed to the drought treatment at 21 days after the plants have 6 fully leaves. Some parameters were examined during the drought treatment, which were media water content (MWC), relative water content (RWC), plant growth and dry weight, proline concentration, chlorophyll content and polyamine concentration. Total RNA was extracted from leaves on day 21st of the treatment. The arginine decarboxylase S. melongena (SmADC) fragment gene was amplified from the cDNA. ADC gene is one of genes involved in polyamine biosynthesis and plays important role in the plant tolerance mechanism to drought stress. The results showed that drought stress significantly reduced plant height, leaf area, stomatal density and aperture in all plants. Levels of chlorophylls were similar during the drought treatment in all plants. Proline and/or polyamines were accumulated and reached the maximum levels after 14 to 21 days after the treatment. High levels of these amines can be used to indicate that the plant is stressed by drought. Levels of proline and polyamines, especially putrescine, increased 10 times higher in the stressed-plants compared to those grown in the optimum condition. cDNA was synthesized from the total RNA by reverse transcription. In total, four fragments of SmADC were obtained by PCR from cDNA of accession 098 (2 fragments), cDNA of accession 772 (1 fragment) and genomic DNA of accession 098 (1 fragment). ADC primers were designed based on the conserved regions in ADC Solanum lycopersicum (accession number HM629957.1). Sequences analysis showed that the four SmADC fragments were 1 442 bp, 1 422 bp, 1 407 bp and 636 bp, encoding 151, 357, 466, 182 amino acids, respectively. Nucleotide alignment analysis showed that four SmADC fragments were 86-93 % homologue to Solanum lycopersicum (Acc: NM_001247720.1), Datura stramonium (Acc: AJ251898.1), Capsicum annuum (Acc: AY156514.1) and Nicotiana tabacum (Acc: AF321137.1). Based on the phylogenetic tree developed from the deduced amino acid sequence of ADC, SmADCs were grouped with Solanum lycopersicum, Datura stramonium, Capsicum annuum and Nicotiana tabacum. Analysis of conserved domains revealed that
Keyword: eggplant, proline, polyamine, arginine decarboxylase (ADC), pyridoxal 5-phosphate (PLP)