Judul: Penghitungan Cadangan Manfaat Asuransi Jiwa Joint Life Seumur Hidup dan Endowment Menggunakan Metode Fackler
Abstrak: Asuransi adalah bentuk perjanjian antara dua belah pihak, yaitu pihak tertanggung dan pihak penanggung, di mana tertanggung membayar sebuah iuran kepada penanggung demi mendapatkan bentuk ganti rugi atas risiko finansial yang dapat terjadi secara tak terduga. Asuransi joint life merupakan salah satu jenis asuransi jiwa multilife yang pembayaran preminya dilakukan sampai kematian pertama peserta asuransi. Karya ilmiah ini membahas penentuan cadangan manfaat asuransi joint life seumur hidup dan asuransi joint life endowment menggunakan metode Fackler. Berdasarkan hasil analisis, dengan suku bunga dan besar manfaat yang sama didapatkan nilai cadangan manfaat asuransi joint life seumur hidup meningkat setiap tahunnya dan pada tahun terakhir nilai cadangan manfaatnya bernilai nol. Pada asuransi joint life endowment nilai cadangan manfaatnya meningkat setiap tahun hingga pada tahun terakhir nilainya sama dengan besar manfaatnya., Insurance is a form of agreement between two parties, namely the insured and the insurer, in which the insured pays a contribution to the insurer in order to obtain a form of compensation for financial risks that can occur unexpectedly. Joint life insurance is a type of multi-life life insurance where the premium payments are made until the first death among the insured participants. This scientific paper discusses the calculation of the reserve for joint life insurance benefits, for whole life joint life insurance and joint life endowment insurance using the Fackler method. Assuming the same interest rate and benefit amount, the result shows that the reserve value for lifelong joint life insurance benefits increases every year and in the final year the reserve value for benefits is zero. For the joint life endowment insurance, the value of the benefit reserve increases every year until the final year where is equal to the benefit amount.
Keyword: benefit reserve, endowment insurance, Fackler method, joint life        insurance, whole life insurance

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: Synthesis of Molybdenum Trioxide (MoO3) by Electrochemical Method for Electrochromics Application
Abstrak: Molybdenum trioxide (MoO3) thin films have been deposited on glass substrates by electrochemical method using ammonium heptamolybdate tetrahydrate ((NH4)6Mo7O244H2O). The films were deposited onto glass substrates as the control temperature at 25○C and annealing treatment at 350○C for 30 mins. The MoO3 thin films were investigated by UV-Vis, X-ray diffraction techniques (XRD), Scanning Electron Microscopy (SEM). The JCPDS card show that orthorhombic MoO3 (α- phase) has been formed. Molybdenum trioxide MoO3 formation was also confirmed by JCPDS card no. 35-0609. The SEM photographs revealed that the spherical and rod-like morphology and their grains size increased with increasing of heating temperatures. The measurement results show that the MoO3 thin film prepared at 350°C transmited about 80% of the visible spectrum. The effect of different heat treatments on surface morphology, thickness and optical properties of the films are discussed in this thesis.
Keyword: Institut Pertanian Bogor, Bogor Agricultural University, IPB, Electrophoretics, electrodeposide, electrochromics, electrochromic materials, electrochromic mechanism