Judul: Term Joint-Life Insurance Annual Premiums for Three People with Variation of Interest Rates and Benefits
Abstrak: Salah satu faktor yang memengaruhi perhitungan premi adalah suku bunga. Pada dunia nyata suku bunga dapat bergerak naik, turun, maupun konstan. Penulisan karya ilmiah ini bertujuan untuk melihat perbandingan harga premi asuransi jiwa joint-life berjangka untuk kasus tiga orang dengan variasi suku bunga naik, turun, dan konstan serta variasi manfaat. Asuransi jiwa dengan status joint-life merupakan salah satu jenis asuransi multi-life yang mana kegagalannya ditentukan pada saat kegagalan pertama dari salah satu tertanggung. Status joint-life digunakan dalam penentuan premi yang mana pembayaran premi tidak akan dibayarkan lagi ketika salah satu tertanggung mengalami kegagalan. Terdapat dua nilai manfaat. Manfaat pertama akan diberikan ketika salah satu tertanggung mengalami kegagalan dan manfaat kedua akan diberikan ketika sudah ada dua tertanggung yang gagal., One of the factors that influence premium calculation is the interest rate. In the real world, interests rate can go up, down, or be constant. The aim of this scientific paper is to look at the comparison of term joint-life insurance premiums for the case of three people with varying interest rates up, down, and constant; and various benefits. Life insurance with joint-life status is a type of multi-life insurance, which means the failure is determined at the first failure of one of the insureds. Joint-life status is used in determining premiums where premium payments will not be paid again when one of the insureds fails. There are two benefits. The first benefit will be given when one of the insureds fails, and the second benefit will be given when two insureds have failed.
Keyword: interest rates, joint-life insurance, premium

Judul: Penentuan Premi dan Cadangan Manfaat Asuransi Jiwa Joint Life dengan Suku Bunga Metode Fuzzy Time Series
Abstrak: Asuransi joint life merupakan asuransi multi life dengan premi yang dibayarkan hingga kematian pertama dari tertanggung. Beberapa faktor yang memengaruhi premi dan cadangan manfaat adalah tingkat suku bunga dan peluang kematian. Karya ilmiah ini membahas penentuan premi tahunan dan cadangan manfaat asuransi joint life berjangka dengan nilai tingkat suku bunga yang terlah diramalkan. Tingkat suku bunga yang digunakan adalah suku bunga BI 7-day Reverse Repo Rate periode April 2016 sampai dengan Desember 2022. Data diramalkan dengan fuzzy time series metode Cheng. Berdasarkan hasil perhitungan, besar nilai premi akan meningkat seiring meningkatnya usia tertanggung saat mulai mengikuti asuransi. Besar premi tahunan pada asuransi joint life berjangka akan semakin meningkat seiring bertambahnya jangka masa pertanggungan. Besar cadangan manfaat pada asuransi joint life berjangka akan bergerak menuju nol mendekati akhir kontrak asuransi. Nilai tingkat suku bunga yang lebih besar akan menghasilkan premi dan nilai cadangan yang lebih kecil., The premium for joint life insurance must be paid up to the insured person's first passing. Interest and mortality rate are a couple of the variables that affect premiums and benefit reserves. This study's goal was to calculate the joint life insurance premium and benefit reserves using forecasted interest rates. The interest rate used is BI 7-day Reverse Repo Rate for the period from April 2016 to December 2022. The data is predicted using Cheng’s methods for fuzzy time series. According to the calculation's findings, the premium amount will rise as the insured person's age at the time of enrollment in insurance rises. The length of the coverage period will affect the annual premium for term life insurance. Towards the conclusion of the insurance contract, joint life insurance benefit reserves will decrease until they reach zero. A lower premium and reserve value will be the result of a higher interest rate.
Keyword: Asuransi jiwa joint life, Cadangan manfaat, Fuzzy time series, Peramalan, Premi

Judul: Identifikasi Isolat Bakteri Tahan Krom(VI) dan Pengujian Aktivitas Enzim Krom(VI) Reduktase
Abstrak: Cr(VI) (chromate) is a toxic, soluble environmental contaminant. A Gram-negative, Cr(VI)-resistant bacterium, has been isolated from effluent of electroplating wastewater treatment reactor. This strain had maximum identity value as high as 96% to Ralstonia pickettii and Ralstonia sp. M2S3. This value indicated that the strain was a species of Ralstonia genera. Because of this reason, the strain was designated as Ralstonia sp. Cr6NS. Ralstonia sp. Cr6NS was able to grow aerobically in 250 ppm Cr(VI) and had Cr(VI) reducing-capacity as high as 4,11 x 10-8μg Cr(VI)/hour/cell. From the study of enzymatic activity, Ralstonia sp. Cr6NS showed the activity of Cr(VI)-reductase both in periplasmic and sitoplasmic content. The highest activity was found in periplasmic matrix. However, the strain seemed not secreting this enzyme to the external medium.
Keyword: