Judul: Penyusunan Tabel Hayat Menggunakan Laju Mortalitas Model Lee-Carter untuk Menentukan Peluang Bertahan Perusahaan Asuransi Jiwa.
Abstrak: Life Insurance Company determines the claim and the premium price based on customer’s age and corresponding life tables. Life tables can be composed according to previous life tables using Lee-Carter force of mortality model. First, estimate the parameters by solving some of the nonlinear equations using numerical methods for determining force of mortality and then determining some of measurements in life tables. By establishing the probability of the total premium income and claim to pay, which is assumed satisfying the Poisson distribution, the life insurance company’s survival probability can be determined every year, whether determined independence every year or cumulative by time. The result show that life insurance company being in surplus condition almost every time, except in the last customers’ years and the first year for one which accept customers only at age x = 0 (case-1). The ways to reduce the deficit probability of life insurance company at the first year are: add the premium loading (case-2), add the initial fund (case-3), combine add the initial fund and add the premium loading (case-4) or add amount of the customers at age..dst
Keyword: laju mortalitas, tabel hayat, proses surplus, sebaran Poisson

Judul: Aplikasi Tabel Select-dan-Ultimate dalam Penentuan Premi Asuransi
Abstrak: Mortality is one of the three demographic components, namely mortality, fertility, and migration. Life table can be constructed mathematically to give a description of mortality. Life table is also needed to determine insurance premiums. Being insured can reduce losses caused by accidents, because insurance is a product of planning for the future. In general, life table is constructed based on some health informations. But, certain selected health informations may result in different life table, which is called select-and-ultimate table. The purpose of this paper is to study and construct life table as well as select-and-ultimate table. Futhermore, select-and-ultimate table is applied to determine insurance premiums. The results of the analysis show that the select-and-ultimate table can reduce the premiums paid by insurance participants
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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.
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