Judul: Analisis Komparatif Risiko Kuangan Asuransi Kerugian dan Asuransi Jiwa
Abstrak: Good insurance companies must be able to manage their financial. With the upcoming of ASEAN Economic Community in 2015, insurance company will have to improve their financial performance in order to attract customers and investors. This research aimed at 1) analyzing the financial risk comparison of the general insurance and life insurance with financial ratios analysis; 2) analyzing comparison of financial risk of general insurance and life insurance with the altman z-score methods. The research is conducted at the insurance company which has a gross premium above Rp. 1 trillion, using financial ratio analysis and altman z-score method, and processed using Microsoft Excel 2013. The result showed that general insurance company is better in managing financial risk than life insurance company, meanwhile life insurance company have a better z-score than general insurance company.
Keyword: Bogor Agricultural University (IPB), insurance, financial risk, altman z-score

Judul: Analisis Faktor-Faktor yang Memengaruhi Financial Distress pada Perusahaan Asuransi Jiwa
Abstrak: Industri subsektor asuransi jiwa mengalami penurunan kondisi keuangan. Financial distress merupakan tahap penurunan kondisi keuangan yang terjadi sebelum terjadinya kebangkrutan atau likuidasi. Pada periode 2011-2018 terdapat lima perusahaan asuransi jiwa yang mengalami financial distress. Penelitian ini bertujuan untuk menganalisis kinerja dan kesehatan perusahaan, tingkat financial distress, serta faktor-faktor yang memengaruhi terjadinya financial distress. Data penelitian berdasarkan laporan keuangan perusahaan asuransi jiwa tahun 2011-2018. Teknik analisis menggunakan rasio keuangan Early Warning System (EWS), analisis Altman’s Z-score, dan analisis regresi data panel. Metode analisis data yang digunakan adalah deskriptif kuantitatif. Pengolahan data menggunakan sofware Microsoft Excel 2013 dan Eviews 9. Hasil penelitian bahwa kinerja dan kesehatan perusahaan asuransi jiwa dalam kondisi tidak baik, memiliki potensi yang tinggi mengalami kebangkrutan, serta rasio keuangan yang berpengaruh signifikan terhadap financial distresss yaitu: solvabilitas, kecukupan dana, perubahan surplus, biaya manajemen, pengembalian investasi, investasi terhadap cadangan teknis, dan cadangan teknis.
Keyword: altman z-score, early warning system (EWS), kinerja dan kesehatan perusahaan, regresi data panel

Judul: Photosensor producing based on ferroelectric material of Ba0,5Sr0,5TiO3 doped by Ferrium Oxide (Fe2O3) on a P-Type Silicon Substate Si (100) applied as a digital camera with a single pixel image sensor
Abstrak: Thin film Ba0,5Sr0,5TiO3 (BST) doped with Fe2O3 was grown on p-type silicon substrate (100) using chemical solution deposition (CSD). It used the solvent 2-methoxyethanol with annealing temperature of 850°C and the doping treatment Fe2O3 of 2.5, 5, 7.5, 10 % of the mass formed BST. Pure BST had the highest absorption of 600 nm of light wavelength. Additions Fe2O3 moves highest absorption in the range of 560 nm. Fe2O3 addition was strengthening thin film sensitivity to the effects of light. In general, doping Fe2O3 10% was result the best absorbance and current-voltage of BST thin film. Electrical properties of thin films BST include dielectric, photoconductivity, and dissipation energy. Based on the current-voltage (I-V) analysis, pure BST and doped BST showed photodiode properties. Dielectric values obtained in the range from 23.32 to 243. Based on electrical conductivity data and energy dissipation, BST thin films have shown photodiode characteristics and are therefore suitable as light sensors. The image sensor in a digital camera is also a light sensor. This BST thin film has been scientifically proven to be a light sensor and also it can be applied as an image sensor. This is a novelty image sensor based on thin film Ba0.5Sr0.5TiO3.
Keyword: barium strontium titanate, thin film, photodiode, image sensor, digital camera