Judul: The Calculation of Annual Premiums in Life Insurance for Joint Life using Clayton Copula and Gumbel Copula Models
Abstrak: Asuransi jiwa seumur hidup adalah bentuk pengalihan risiko atas kerugian keuangan oleh tertanggung kepada penanggung yang disebabkan oleh hilangnya jiwa seseorang setelah polis disepakati. Status joint life dalam asuransi jiwa adalah sebuah status bertahan ada selama semua anggota yang terdaftar pada sebuah polis masih hidup dan gagal setelah terjadi kematian pertama. Pada status joint life, pembayaran premi akan berhenti jika salah satu peserta asuransi yang tertanggung dalam polis tersebut meninggal selama periode polis. Biasanya, risiko kematian pasangan suami istri diasumsikan saling bebas, namun dalam kenyataannya kerap kali pasangan suami istri memiliki risiko bersama. Pada karya ilmiah ini, dilakukan penghitungan premi tahunan dari asuransi jiwa seumur hidup joint life bagi pasangan suami istri menggunakan asumsi kebebasan mortalitas dan ketidakbebasan mortalitas dengan model Copula Clayton dan Copula Gumbel. Berdasarkan hasil penghitungan, premi tahunan yang dihitung menggunakan asumsi kebebasan mortalitas lebih besar dibanding asumsi ketidakbebasan mortalitas.
Keyword: Clayton copula, Gumbel copula, joint life, life insurance

Judul: Calculation of Annual Premiums and Benefit Reserves in Last Survivor Life Insurance using Joe and Clayton Copula Models
Abstrak: Asuransi jiwa last survivor merupakan asuransi yang terdiri dari dua atau lebih orang tertanggung, di mana pembayaran premi akan berakhir ketika terjadi kematian terakhir peserta polis asuransi. Risiko kematian peserta polis asuransi tersebut berpengaruh dalam menentukan besaran premi tahunan dan cadangan manfaat asuransi. Biasanya, risiko kematian pasangan suami istri peserta polis asuransi dianggap saling bebas, namun pada kenyataannya saling berpengaruh. Pada karya ilmiah ini, dilakukan penghitungan premi tahunan dan cadangan manfaat dari asuransi jiwa seumur hidup last survivor untuk pasangan suami istri menggunakan model kebebasan mortalitas dan model ketidakbebasan mortalitas Joe copula dan Clayton copula. Berdasarkan hasil penghitungan, premi tahunan yang dihitung menggunakan model kebebasan mortalitas lebih kecil dibanding menggunakan model ketidakbebasan mortalitas. Begitu pun pada cadangan manfaat, cadangan yang dihitung menggunakan model kebebasan mortalitas lebih kecil dibanding menggunakan model ketidakbebasan mortalitas., Last survivor life insurance is a form of insurance which covers two or more insured persons, in which the premium payment will end when the last person of policyholders dies. The risk of death from policyholders has an effect on determining the amount of annual premiums and benefit reserves from the insurance. Usually, the death risk of married couples are considered to be independent, but in reality are interdependent. On this scientific paper, annual premiums and benefit reserves of last survivor life insurance for married couples are calculated using independent mortality model and interdependent mortality models of Joe copula dan Clayton copula. Based on the calculation results, annual premiums calculated using independent mortality model are smaller in value than the ones using interdependent mortality models. As well as benefit reserves, the benefit reserves calculated using independent mortality model are smaller in value than the ones using interdependent models.
Keyword: Clayton copula, Joe copula, last survivor, life insurance

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