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: Premium and Reserve Benefits of Term Life Insurance Product for Four Insureds
Abstrak: Asuransi jiwa multi life memiliki dua istilah mengenai status kegagalan dari kumpulan tertanggungnya, yaitu joint life dan last survivor. Keduanya memiliki syarat kegagalan yang berbeda. Kegagalan pada status joint life akan terjadi apabila terjadi kegagalan pada salah satu anggota kelompok, sedangkan pada status last survivor, kegagalan akan terjadi apabila seluruh anggota dalam suatu kelompok mengalami kegagalan. Pada karya ilmiah ini, premi dan cadangan manfaat akan dihitung berdasarkan status kegagalan gabungan last survivor dan joint life dari empat orang tertanggung. Perhitungan premi dilakukan dengan menggunakan metode kesetaraan, sedangkan cadangan manfaat akan dihitung menggunakan metode prospektif dan rataan komposisi dengan menggunakan suku bunga majemuk konstan. Peluang kematian dari masing-masing individu didapatkan dari Tabel Mortalitas Indonesia IV 2019. Premi yang dihasilkan akan semakin meningkat seiring bertambahnya usia masing-masing kelompok., Multi-life insurance has two terms regarding the failure status of the insured group, namely joint life and last survivor. Both have different failure conditions. Failure under joint life status will occur if there is a failure in any one member of the group, while under last survivor status, failure will only occur if all members of the group experience failure. This scientific work calculates premiums and benefit reserves based on the combined failure status of the last survivor and joint life for four insured individuals. Premium calculation is carried out using the equivalence method, while the calculation of benefit reserves will use the prospective method and the mean composition, along with a constant compound interest rate. The mortality probabilities of each individual are obtained from the Indonesian Mortality Table IV 2019. The resulting premiums will increase with the age of each group.
Keyword: asuransi jiwa berjangka, cadangan manfaat, joint life dan last survivor, premi, benefit reserves, joint life and last survivor, premium, term life insurance

Judul: Elektrode Pasta Karbon Termodifikasi Kuersetin untuk Analisis Ion Tembaga(II) secara Voltammetri
Abstrak: Quercetin is a flavonoid compound that can form stable complexes with various metal ions. Its use as a modifier for carbon paste electrode is expected to improve sensitivity in measurement by voltammetry. Quercetin-modified carbon paste electrode used for copper(II) ions analysis was evaluated in terms of the effect of some parameters such as quercetin composition, scan rate, pH, preconcentration time, preconcentration potential, and linearity of measurement. Copper-(II) ions analysis with cyclic voltammetry at potential range of -0.5–1.0 V resulted well-defined 2 pairs of reduction-oxidation peaks with the optimum conditions for reliable measurement were 0.1 M NaCl pH 6, and 5% quercetin. The cyclic voltammetry response was linear with the determination coefficient 0.995 in the concentration range of CuCl2 2.0–100 mM. Anodic stripping voltammogram resulted the optimum preconcentration potential of -600 mV and preconcentration time of 80 s. The anodic stripping voltammogram was linear with the determination coefficient 0.983 in the concentration range of CuCl2 0.2– 0.8 mM. This modified electrode increases the intensity of the current and can be developed for environmental samples measurement.
Keyword: anodic stripping voltammetry, copper(II), electrode, quercetin