Judul: Determination of Net Single Premiums  of Joint Life Credit Life Insurance
Abstrak: Asuransi jiwa kredit adalah jenis asuransi berjangka yang melindungi kreditur dan debitur dari risiko gagal bayar. Asuransi jiwa kredit status joint life merupakan produk asuransi dengan dua orang tertanggung. Manfaat asuransi akan diberikan hanya jika terjadi kegagalan pertama. Namun, pada kenyataan sesungguhnya, produk asuransi jiwa kredit yang beredar memberikan manfaat yang lebih kompleks dan memberikan perlindungan bukan hanya jika terjadi kematian. Tujuan dari karya ilmiah ini adalah menerapkan ilmu aktuaria dalam menentukan nilai premi tunggal bersih asuransi jiwa kredit status joint life dan pengaruh usia masuk peserta dan periode pinjaman terhadap premi. Nilai premi tunggal kotor dihitung dengan asumsi loading factor yang digunakan perusahaan adalah 60% dari premi tunggal bersih. Berdasarkan hasil penelitian, nilai premi tunggal bersih asuransi jiwa kredit status joint life akan meningkat seiring bertambahnya usia masuk peserta atau debitur. Nilai premi tunggal bersih asuransi jiwa kredit juga mengalami peningkatan saat periode pelunasan utang semakin lama., Credit life insurance is a type of term insurance that protects creditors and debtors from the risk of default. Joint life status of credit life insurance is an insurance product with two insured people. Insurance benefits will be provided only in the event of a first failure. However, in reality, the credit life insurance products in circulation provide more complex benefits and protection not only in the event of death. The aim of this scientific work is to apply actuarial science in determining the net single premium value of credit life insurance with joint life status and the influence of participant entry age and debt repayment period on premiums. The gross single premium value is calculated assuming that the company’s loading factor is 60% of the net single premium. Based on the research results, the net single premium value of credit life insurance with joint life status will increase as the age of the participant or debtor increases. The net single premium value of credit life insurance also increases as the debt repayment period becomes longer.
Keyword: Credit life insurance, gross single premium, joint life status, net single premium

Judul: Determination of Premium and Reserve Benefits of Term Life Insurance for Three Insureds with Combined Joint Life and Last Survivor Status
Abstrak: Asuransi jiwa berjangka adalah pertanggungan atas risiko meninggalnya peserta asuransi dalam jangka waktu tertentu. Asuransi jiwa multi life dengan status joint life memberikan santunan saat kematian pertama pada kelompok peserta, sedangkan status last survivor memberikan santunan saat kematian terakhir pada kelompok peserta. Karya ilmiah ini membahas tentang penentuan peluang kegagalan status, premi bersih tahunan, dan cadangan manfaat asuransi dengan menggunakan metode prospektif pada asuransi jiwa berjangka untuk suami, istri, dan anak laki-laki dengan status joint life antara anak laki-laki dengan status last survivor pasangan suami istri. Perhitungan dilakukan dengan beberapa skenario berdasarkan usia mulai asuransi dan masa pertanggungan. Hasil penelitian menunjukkan bahwa peluang kegagalan status menurun ketika anak masih sangat muda dan meningkat setelahnya. Besar premi bersih tahunan menurun untuk beberapa skenario dengan usia awal termuda dan meningkat setelahnya. Nilai cadangan pada awal dan akhir kontrak bernilai nol, namun beberapa skenario memiliki cadangan negatif., Term life insurance is coverage for the risk of death of insurance participants within a certain period of time. Multi life insurance with joint life status provides compensation at the first death of the group of participants, while the last survivor status provides compensation at the last death of the group of participants. This scientific work discusses the determination of failure probability, annual net premium, and insurance benefit reserve using the prospective method in term life insurance for husband, wife, and son with joint life status between son and last survivor status of husband and wife. The calculation is done with several scenarios based on the starting age of insurance and the coverage period. The results show that the probability of failure status decreases when the child is very young and increases thereafter. The annual net premium decreases for scenarios with the youngest starting age and increases thereafter. The reserve value at the beginning and end of the contract is zero, but some scenarios have negative reserves.
Keyword: combined joint life and last survivor, insurance, premium, 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