Judul: Penentuan Premi Asuransi Penyakit Kritis Menggunakan Hukum
Mortalitas Gompertz dengan Model Suku Bunga CIR
Abstrak: Asuransi penyakit kritis hadir sebagai salah satu bentuk solusi dalam mengurangi risiko finansial yang terjadi akibat sakit kritis. Asuransi ini memberikan sejumlah uang pertanggungan apabila pemegang polis terkena penyakit kritis, seperti stroke. Penelitian ini membahas pemodelan suku bunga dengan model CIR, penentuan intensitas dan peluang transisi, serta penghitungan premi bersih tahunan tiga jenis produk asuransi penyakit kritis, yaitu stand-alone, full acceleration, dan asuransi dengan fitur pengembalian premi. Data yang digunakan dalam penelitian ini, meliputi data suku bunga cash rate target Australia dan data statistik kesehatan penyakit stroke Australia. Model CIR memberikan tingkat ketepatan peramalan yang baik terhadap suku bunga cash rate target. Intensitas dan peluang transisi meningkat seiring bertambahnya usia. Harga premi asuransi penyakit kritis full acceleration lebih tinggi dibandingkan produk lainnya. Penghitungan premi menggunakan suku bunga dinamis model CIR memberikan hasil yang lebih tinggi dibandingkan dengan suku bunga konstan. Besaran premi meningkat seiring dengan bertambahnya usia masuk seseorang, dengan laki-laki memiliki besaran yang lebih tinggi dibandingkan perempuan., Critical illness insurance exists to reduce financial risks due to critical illness. This insurance provides a sum insured if the policyholder suffers from a critical illness, such as a stroke. This research discusses modeling interest rates using the CIR model, estimating transition intensities and probabilities, and calculating the annual net premium for three types of critical illness insurance products: stand-alone, full acceleration, and insurance with premium return feature. The data used in this research includes the Australian cash rate target and Australian stroke health statistics data. The CIR model provides good prediction accuracy for the Australian cash rate target. The transition intensities and probabilities increase with age. The premium price for full acceleration critical illness insurance is higher than other products. Using the CIR dynamic interest rate model to calculate premiums provides higher results than constant interest rates. The premium amount increases with the age at entry, with males having higher premiums than females.
Keyword: critical illness insurance, premiums, CIR model, Gompertz law of mortality, Stroke

Judul: Determination of Heart Disease Insurance Premium with Vasicek Interest Rate Based on Prevalence and Incidence Rates
Abstrak: Risiko finansial akibat penyakit kritis merupakan ancaman dalam kehidupan modern. Asuransi penyakit kritis memberikan perlindungan terhadap biaya penyakit serius seperti jantung, kanker, dan stroke. Penelitian ini memodelkan suku bunga dinamis dengan model Vasicek, menentukan intensitas transisi dan peluang transisi untuk asuransi penyakit jantung, dan menghitung premi bersih tahunan asuransi penyakit jantung. Data yang digunakan mencakup BI 7-day (Reverse) Repo Rate dan data statistik kesehatan penyakit jantung dari Australia. Model Vasicek memprediksi suku bunga dengan akurasi tinggi dengan nilai MAPE sebesar 5.26%. Premi asuransi penyakit jantung untuk laki-laki lebih tinggi dibandingkan premi untuk perempuan dan meningkat seiring bertambahnya usia. Premi asuransi penyakit jantung dengan suku bunga model Vasicek lebih rendah dibandingkan dengan suku bunga konstan menggunakan rata-rata model Vasicek., Financial risk due to critical illnesses poses a threat in modern life. Critical illness insurance provides protection against the costs of serious diseases such as heart disease, cancer, and stroke. This study models dynamic interest rates using the Vasicek model, determines the transition intensity and transition probabilities for heart disease insurance, and calculates the annual net premium for heart disease insurance. The data used includes the BI 7-day (Reverse) Repo Rate and heart disease health statistics from Australia. The Vasicek model predicts interest rates with high accuracy, with a MAPE value of 5.26%. The heart disease insurance premium for men is higher than that for women and increases with age. The heart disease insurance premium with the Vasicek model interest rate is lower than the constant interest rate using the average of the Vasicek model.
Keyword: Vasicek model, financial risk, insurance premium, heart disease, transition intensity

Judul: Sintesis dan Pencirian Natrium Titanat (Na2Ti2O4(OH)2) Berbahan Dasar Titanium Dioksida
Abstrak: TiO2 can be utilized as basic material for synthesis of sodium titanate (Na2Ti2O4(OH)2). This research was purposed to synthesize and characterize sodium titanate from TiO2 rutile powder as a basic material. Sodium titanate was synthesized by hydrothermal process at temperature 130 °C by mixing TiO2 rutile powder with 5 M and 10 M NaOH solution, then each was calcinated at temperature 700 °C. The energy dispersive X-ray analysis showed that sodium titanate has been successfully synthesized. This result was also supported by functional group analysis with Fourier transform infrared (FTIR) spectrofotometer showing the existence of Ti-O-Na vibration band at 989.42 cm-1. The formation of sodium titanate was depend on the reaction condition such as temperature, reaction time, and NaOH concentration. Scanning electron microscope image indicated that sodium titanate synthesized at 130 °C in 20 hours reaction time with 10 M NaOH had crystal size of 99.37 nm.
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